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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

Table III-B. Aggregate Condition and Income Data by Geographic Region, FDIC-Insured Community Banks
1st Quarter 2018
(dollar figures in millions) All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Number of institutions reporting 5,168 593 601 1,139 1,372 1,138 325
Total employees (full-time equivalent) 411,542 84,938 46,984 86,655 69,803 90,480 32,682
CONDITION DATA
Total assets $2,200,587 $603,592 $226,658 $398,208 $348,879 $424,022 $199,228
Loans secured by real estate 1,196,115 377,303 123,622 208,190 168,679 209,118 109,203
1-4 Family residential mortgages 394,000 138,024 39,146 71,907 51,421 66,466 27,037
Nonfarm nonresidential 459,216 133,966 53,428 76,385 56,653 86,336 52,449
Construction and development 105,991 24,578 13,868 15,041 14,519 29,010 8,975
Home equity lines 48,308 16,179 6,673 10,745 5,081 4,845 4,786
Commercial & industrial loans 204,497 49,920 18,567 40,325 35,370 41,563 18,754
Loans to individuals 61,406 14,934 6,720 12,110 10,297 12,812 4,531
Credit cards 1,923 423 153 373 551 225 198
Farm loans 48,594 583 1,222 8,029 27,312 8,822 2,626
Other loans & leases 38,159 11,614 3,129 7,260 5,843 7,019 3,295
Less: Unearned income 694 168 101 54 95 130 147
Total loans & leases 1,548,077 454,185 153,160 275,861 247,406 279,203 138,262
Less: Reserve for losses 18,140 4,584 1,797 3,245 3,295 3,449 1,771
Net loans and leases 1,529,937 449,602 151,363 272,616 244,111 275,754 136,492
Securities 405,387 94,419 42,559 79,265 63,945 89,864 35,335
Other real estate owned 3,777 651 851 651 613 807 204
Goodwill and other intangibles 14,021 4,647 1,067 2,586 1,986 2,684 1,051
All other assets 247,465 54,273 30,818 43,091 38,225 54,913 26,146
Total liabilities and capital 2,200,587 603,592 226,658 398,208 348,879 424,022 199,228
Deposits 1,812,310 478,264 190,389 329,717 290,147 358,258 165,534
Domestic office deposits 1,811,520 477,542 190,389 329,677 290,147 358,258 165,507
Foreign office deposits 789 722 0 40 0 0 27
Brokered deposits 92,583 30,295 7,182 17,141 15,823 12,858 9,284
Estimated insured deposits 1,335,694 339,352 142,322 260,494 226,314 256,672 110,540
Other borrowed funds 128,275 51,578 10,347 21,623 18,417 16,730 9,580
Subordinated debt 630 508 10 45 10 42 15
All other liabilities 15,462 5,519 1,450 2,591 1,836 2,458 1,607
Total equity capital (includes minority interests) 243,910 67,723 24,461 44,231 38,470 46,534 22,491
Bank equity capital 243,796 67,654 24,457 44,212 38,469 46,512 22,491
Loans and leases 30-89 days past due 8,962 2,253 997 1,531 1,605 2,052 524
Noncurrent loans and leases 13,172 4,233 1,381 2,420 1,957 2,475 706
Restructured loans and leases 6,607 2,050 761 1,571 908 903 413
Mortgage-backed securities 174,030 53,334 18,201 30,498 20,671 34,101 17,225
Earning assets 2,056,721 567,028 209,882 371,825 326,435 394,097 187,455
FHLB Advances 106,075 46,161 8,566 17,050 13,939 13,110 7,249
Unused loan commitments 297,365 79,136 26,958 56,105 51,400 53,350 30,415
Trust assets 286,832 63,471 9,091 73,183 88,677 44,071 8,340
Assets securitized and sold 19,462 7,259 74 7,923 2,651 781 774
Notional amount of derivatives 69,529 29,404 6,195 14,894 9,036 7,203 2,797
INCOME DATA All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Total interest income $21,563 $5,652 $2,251 $3,829 $3,467 $4,300 $2,065
Total interest expense 3,036 986 284 527 499 523 217
Net interest income 18,528 4,666 1,966 3,303 2,968 3,777 1,848
Provision for loan and lease losses 804 323 62 95 113 141 70
Total noninterest income 4,497 928 451 1,148 710 931 328
Total noninterest expense 14,992 3,699 1,666 2,929 2,343 3,027 1,329
Securities gains (losses) 52 39 6 3 -4 2 7
Applicable income taxes 1,221 347 121 258 146 183 166
Extraordinary gains, net** 2 0 0 0 0 0 1
Total net income (includes minority interests) 6,061 1,265 576 1,171 1,073 1,357 620
Bank net income 6,058 1,263 576 1,169 1,073 1,357 620
Net charge-offs 489 235 33 41 57 95 29
Cash dividends 2,439 245 220 633 595 550 196
Retained earnings 3,619 1,018 355 537 478 808 424
Net operating income 6,016 1,232 571 1,169 1,076 1,356 612

* See Table V-A for explanation.

** See Notes to Users for explanation.