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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Quarterly Banking Profile

Table II-B. Aggregate Condition and Income Data, FDIC-Insured Community Banks
Prior Periods Adjusted for Mergers
(dollar figures in millions) 1st Quarter
2018
4th Quarter
2017
1st Quarter
2017
% Change
17Q1-18Q1
Number of institutions reporting 5,168 5,165 5,162 0.1
Total employees (full-time equivalent) 411,542 409,786 402,539 2.2
CONDITION DATA
Total assets $2,200,587 $2,176,109 $2,090,201 5.3
Loans secured by real estate 1,196,115 1,180,843 1,110,036 7.8
1-4 Family residential mortgages 394,000 391,706 374,806 5.1
Nonfarm nonresidential 459,216 450,518 420,364 9.2
Construction and development 105,991 104,750 95,160 11.4
Home equity lines 48,308 48,813 46,969 2.9
Commercial & industrial loans 204,497 202,207 190,430 7.4
Loans to individuals 61,406 61,422 58,390 5.2
Credit cards 1,923 2,022 2,000 -3.8
Farm loans 48,594 51,480 47,797 1.7
Other loans & leases 38,159 38,387 34,769 9.7
Less: Unearned income 694 694 646 7.5
Total loans & leases 1,548,077 1,533,645 1,440,777 7.4
Less: Reserve for losses 18,140 17,907 17,633 2.9
Net loans and leases 1,529,937 1,515,738 1,423,144 7.5
Securities 405,387 405,284 411,640 -1.5
Other real estate owned 3,777 3,877 4,598 -17.9
Goodwill and other intangibles 14,021 13,135 12,193 15.0
All other assets 247,465 238,075 238,626 3.7
Total liabilities and capital 2,200,587 2,176,109 2,090,201 5.3
Deposits 1,812,310 1,784,519 1,725,829 5.0
Domestic office deposits 1,811,520 1,784,029 1,725,378 5.0
Foreign office deposits 789 490 451 74.9
Brokered deposits 92,583 88,785 79,813 16.0
Estimated insured deposits 1,335,694 1,315,282 1,289,778 3.6
Other borrowed funds 128,275 133,096 117,465 9.2
Subordinated debt 630 618 582 8.2
All other liabilities 15,462 15,645 15,268 1.3
Total equity capital (includes minority interests) 243,910 242,231 231,056 5.6
Bank equity capital 243,796 242,119 230,950 5.6
Loans and leases 30-89 days past due 8,962 8,340 8,594 4.3
Noncurrent loans and leases 13,172 13,197 14,134 -6.8
Restructured loans and leases 6,607 6,942 7,479 -11.7
Mortgage-backed securities 174,030 171,960 174,433 -0.2
Earning assets 2,056,721 2,029,328 1,949,553 5.5
FHLB Advances 106,075 109,030 93,781 13.1
Unused loan commitments 297,365 286,028 273,316 8.8
Trust assets 286,832 329,637 263,395 8.9
Assets securitized and sold 19,462 24,076 21,535 -9.6
Notional amount of derivatives 69,529 64,570 57,844 20.2
INCOME DATA Full Year
2017
Full Year
2016
% Change 1st Quarter
2018
1st Quarter
2017
% Change
17Q1-18Q1
Total interest income $80,928 $73,563 10.0 $21,563 $19,150 12.6
Total interest expense 10,163 8,511 19.4 3,036 2,255 34.6
Net interest income 70,765 65,052 8.8 18,528 16,895 9.7
Provision for loan and lease losses 3,114 2,841 9.6 804 650 23.7
Total noninterest income 18,137 18,095 0.2 4,497 4,369 2.9
Total noninterest expense 57,890 55,608 4.1 14,992 14,029 6.9
Securities gains (losses) 343 593 -42.2 52 124 -57.7
Applicable income taxes 7,992 5,818 37.4 1,221 1,569 -22.2
Extraordinary gains, net* 2 -9 N/M 2 7 N/M
Total net income (includes minority interests) 20,251 19,464 4.0 6,061 5,148 17.7
Bank net income 20,233 19,447 4.0 6,058 5,144 17.7
Net charge-offs 2,364 2,150 9.9 489 380 28.6
Cash dividends 9,663 9,241 4.6 2,439 2,348 3.9
Retained earnings 10,570 10,206 3.6 3,619 2,797 29.4
Net operating income 19,988 19,001 5.2 6,016 5,057 19.0
* See Notes to Users for explanation N/M - Not Meaningful