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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-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions
(dollar figures in millions) 3rd Quarter
2018
2nd Quarter
2018
3rd Quarter
2017
% Change
17Q3-18Q3
Number of institutions reporting 5,477 5,542 5,738 -4.6
Total employees (full-time equivalent) 2,070,684 2,077,035 2,084,080 -0.6
CONDITION DATA
Total assets $17,672,777 $17,532,824 $17,242,461 2.5
Loans secured by real estate 4,863,210 4,831,924 4,730,489 2.8
1-4 Family residential mortgages 2,112,280 2,090,427 2,042,017 3.4
Nonfarm nonresidential 1,427,084 1,421,835 1,377,485 3.6
Construction and development 350,878 346,909 330,919 6.0
Home equity lines 381,638 389,048 417,297 -8.6
Commercial & industrial loans 2,087,325 2,076,565 1,988,590 5.0
Loans to individuals 1,690,634 1,658,212 1,602,624 5.5
Credit cards 856,327 837,186 795,424 7.7
Farm loans 82,355 79,844 80,882 1.8
Other loans & leases 1,218,111 1,212,445 1,156,415 5.3
Less: Unearned income 2,330 2,346 2,059 13.2
Total loans & leases 9,939,305 9,856,644 9,556,941 4.0
Less: Reserve for losses 123,724 123,420 123,504 0.2
Net loans and leases 9,815,581 9,733,223 9,433,437 4.1
Securities 3,630,097 3,633,322 3,615,280 0.4
Other real estate owned 7,187 7,612 9,099 -21.0
Goodwill and other intangibles 397,110 391,770 378,111 5.0
All other assets 3,822,802 3,766,897 3,806,534 0.4
Total liabilities and capital 17,672,777 17,532,824 17,242,461 2.5
Deposits 13,573,676 13,468,725 13,219,299 2.7
Domestic office deposits 12,321,840 12,235,437 11,919,815 3.4
Foreign office deposits 1,251,835 1,233,288 1,299,484 -3.7
Other borrowed funds 1,497,300 1,494,288 1,474,114 1.6
Subordinated debt 68,844 67,197 75,110 -8.3
All other liabilities 535,705 518,828 518,543 3.3
Total equity capital (includes minority interests) 1,997,252 1,983,786 1,955,395 2.1
Bank equity capital 1,993,760 1,980,305 1,950,359 2.2
Loans and leases 30-89 days past due 63,203 59,365 64,083 -1.4
Noncurrent loans and leases 101,259 104,834 114,840 -11.8
Restructured loans and leases 56,400 57,614 61,547 -8.4
Mortgage-backed securities 2,157,652 2,156,909 2,117,153 1.9
Earning assets 15,959,373 15,852,110 15,586,357 2.4
FHLB Advances 553,369 583,974 575,406 -3.8
Unused loan commitments 7,837,284 7,736,524 7,409,672 5.8
Trust assets 20,495,983 20,369,312 19,708,519 4.0
Assets securitized and sold 626,047 642,731 699,500 -10.5
Notional amount of derivatives 209,754,241 209,828,278 190,609,917 10.0
INCOME DATA First Three Quarters
2018
First Three Quarters
2017
% Change 3rd Quarter
2018
3rd Quarter
2017
% Change
17Q3-18Q3
Total interest income $484,904 $423,152 14.6 $169,021 $147,383 14.7
Total interest expense 83,177 52,334 58.9 31,927 19,840 60.9
Net interest income 401,727 370,818 8.3 137,094 127,543 7.5
Provision for loan and lease losses 35,971 37,539 -4.2 11,863 13,575 -12.6
Total noninterest income 201,949 193,029 4.6 66,658 64,237 3.8
Total noninterest expense 341,862 325,900 4.9 113,594 109,249 4.0
Securities gains (losses) 558 2,107 -73.5 130 825 -84.2
Applicable income taxes 48,050 62,861 -23.6 16,349 21,879 -25.3
Extraordinary gains, net* -227 135 N/M -39 119 N/M
Total net income (includes minority interests) 178,125 139,788 27.4 62,037 48,021 29.2
Bank net income 177,906 139,523 27.5 61,967 47,934 29.3
Net charge-offs 34,894 33,646 3.7 11,163 10,991 1.6
Cash dividends 112,078 91,456 22.6 43,815 35,924 22.0
Retained earnings 65,828 48,066 37.0 18,152 12,010 51.1
Net operating income 177,904 138,212 28.7 61,973 47,340 30.9

* See Notes to Users for explanation.

N/M - Not Meaningful