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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
(dollar figures in millions) 3rd Quarter
2018
2nd Quarter
2018
3rd Quarter
2017
% Change
17Q3-18Q3
Number of institutions reporting 5,044 5,111 5,296 -4.8
Total employees (full-time equivalent) 411,581 415,507 423,950 -2.9
CONDITION DATA
Total assets $2,222,322 $2,221,472 $2,233,171 -0.5
Loans secured by real estate 1,221,867 1,216,782 1,205,471 1.4
1-4 Family residential mortgages 396,234 400,051 400,412 -1.0
Nonfarm nonresidential 474,079 468,330 460,660 2.9
Construction and development 110,521 108,610 105,171 5.1
Home equity lines 48,665 48,775 50,373 -3.4
Commercial & industrial loans 210,596 210,251 207,286 1.6
Loans to individuals 63,184 62,697 61,979 1.9
Credit cards 1,802 1,885 2,048 -12.0
Farm loans 53,732 52,103 52,693 2.0
Other loans & leases 39,751 39,804 39,744 0.0
Less: Unearned income 656 701 695 -5.6
Total loans & leases 1,588,475 1,580,935 1,566,478 1.4
Less: Reserve for losses 18,267 18,240 18,522 -1.4
Net loans and leases 1,570,208 1,562,695 1,547,956 1.4
Securities 396,652 402,667 421,115 -5.8
Other real estate owned 3,267 3,571 4,241 -23.0
Goodwill and other intangibles 15,594 15,200 14,529 7.3
All other assets 236,602 237,339 245,330 -3.6
Total liabilities and capital 2,222,322 2,221,472 2,233,171 -0.5
Deposits 1,823,190 1,818,268 1,824,166 -0.1
Domestic office deposits 1,822,599 1,817,681 1,823,494 0.0
Foreign office deposits 591 587 671 -12.0
Brokered deposits 73,308 74,632 90,221 -18.7
Estimated insured deposits 1,331,063 1,335,078 1,346,745 -1.2
Other borrowed funds 131,606 138,438 138,590 -5.0
Subordinated debt 624 629 1,007 -38.1
All other liabilities 16,997 16,067 17,387 -2.2
Total equity capital (includes minority interests) 249,906 248,070 252,021 -0.8
Bank equity capital 249,797 247,954 251,905 -0.8
Loans and leases 30-89 days past due 7,785 7,435 7,700 1.1
Noncurrent loans and leases 12,746 12,922 14,236 -10.5
Restructured loans and leases 6,500 6,554 7,368 -11.8
Mortgage-backed securities 174,568 177,081 180,369 -3.2
Earning assets 2,073,087 2,072,192 2,081,821 -0.4
FHLB Advances 109,271 115,387 112,506 -2.9
Unused loan commitments 306,329 303,200 294,910 3.9
Trust assets 297,976 293,501 298,440 -0.2
Assets securitized and sold 14,956 19,211 21,799 -31.4
Notional amount of derivatives 75,823 78,052 72,220 5.0
INCOME DATA First Three Quarters
2018
First Three Quarters
2017
% Change 3rd Quarter
2018
3rd Quarter
2017
% Change
17Q3-18Q3
Total interest income $66,275 $62,628 5.8 $23,144 $21,690 6.7
Total interest expense 10,168 7,743 31.3 3,868 2,803 38.0
Net interest income 56,107 54,885 2.2 19,276 18,886 2.1
Provision for loan and lease losses 2,084 2,322 -10.2 627 766 -18.2
Total noninterest income 13,766 14,489 -5.0 4,661 4,960 -6.0
Total noninterest expense 44,708 44,974 -0.6 15,093 15,291 -1.3
Securities gains (losses) 120 335 -64.1 23 105 -78.6
Applicable income taxes 3,838 5,361 -28.4 1,354 1,898 -28.7
Extraordinary gains, net* -195 4 N/M -33 5 N/M
Total net income (includes minority interests) 19,168 17,056 12.4 6,853 6,002 14.2
Bank net income 19,158 17,038 12.4 6,849 5,995 14.2
Net charge-offs 1,467 1,595 -8.0 412 498 -17.2
Cash dividends 7,771 7,278 6.8 2,548 2,251 13.2
Retained earnings 11,387 9,760 16.7 4,301 3,744 14.9
Net operating income 19,264 16,800 14.7 6,868 5,917 16.1

* See Notes to Users for explanation

N/M - Not Meaningful

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