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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 5,044 5,038 0.1
Total employees (full-time equivalent) 416,241 414,148 408,694 1.8
CONDITION DATA
Total assets $2,222,322 $2,202,617 $2,124,022 4.6
Loans secured by real estate 1,221,867 1,203,764 1,144,756 6.7
1-4 Family residential mortgages 396,234 392,968 379,019 4.5
Nonfarm nonresidential 474,079 465,322 438,015 8.2
Construction and development 110,521 107,928 100,235 10.3
Home equity lines 48,665 48,589 48,320 0.7
Commercial & industrial loans 210,596 208,807 194,865 8.1
Loans to individuals 63,184 61,945 60,336 4.7
Credit cards 1,802 1,914 1,957 -7.9
Farm loans 53,732 51,934 52,720 1.9
Other loans & leases 39,751 39,873 37,476 6.1
Less: Unearned income 656 650 628 4.5
Total loans & leases 1,588,475 1,565,673 1,489,525 6.6
Less: Reserve for losses 18,267 18,112 17,809 2.6
Net loans and leases 1,570,208 1,547,562 1,471,717 6.7
Securities 396,652 401,199 401,822 -1.3
Other real estate owned 3,267 3,524 4,085 -20.0
Goodwill and other intangibles 15,594 15,199 13,180 18.3
All other assets 236,602 235,133 233,218 1.5
Total liabilities and capital 2,222,322 2,202,617 2,124,022 4.6
Deposits 1,823,190 1,801,900 1,740,789 4.7
Domestic office deposits 1,822,599 1,801,282 1,740,193 4.7
Foreign office deposits 591 618 596 -0.9
Brokered deposits 73,308 72,300 84,889 -13.6
Estimated insured deposits 1,331,063 1,324,593 1,290,133 3.2
Other borrowed funds 131,606 137,951 126,378 4.1
Subordinated debt 624 620 566 10.2
All other liabilities 16,997 15,936 16,490 3.1
Total equity capital (includes minority interests) 249,906 246,210 239,798 4.2
Bank equity capital 249,797 246,099 239,699 4.2
Loans and leases 30-89 days past due 7,785 7,368 7,440 4.6
Noncurrent loans and leases 12,746 12,836 13,584 -6.2
Restructured loans and leases 6,500 6,527 7,126 -8.8
Mortgage-backed securities 174,568 176,444 170,381 2.5
Earning assets 2,073,087 2,054,214 1,980,909 4.7
FHLB Advances 109,271 115,066 101,761 7.4
Unused loan commitments 306,329 300,266 281,454 8.8
Trust assets 297,976 288,882 270,165 10.3
Assets securitized and sold 14,956 14,181 16,680 -10.3
Notional amount of derivatives 75,823 78,770 70,089 8.2
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 $58,551 13.2 $23,144 $20,287 14.1
Total interest expense 10,168 7,143 42.3 3,868 2,586 49.6
Net interest income 56,107 51,408 9.1 19,276 17,700 8.9
Provision for loan and lease losses 2,084 2,237 -6.8 627 739 -15.2
Total noninterest income 13,766 13,306 3.5 4,661 4,551 2.4
Total noninterest expense 44,708 41,980 6.5 15,093 14,238 6.0
Securities gains (losses) 120 330 -63.5 23 105 -78.5
Applicable income taxes 3,838 4,871 -21.2 1,354 1,749 -22.6
Extraordinary gains, net* -195 4 N/M -33 5 N/M
Total net income (includes minority interests) 19,168 15,961 20.1 6,853 5,636 21.6
Bank net income 19,158 15,950 20.1 6,849 5,631 21.6
Net charge-offs 1,467 1,521 -3.6 412 477 -13.5
Cash dividends 7,771 6,731 15.4 2,548 2,154 18.3
Retained earnings 11,387 9,218 23.5 4,301 3,477 23.7
Net operating income 19,264 15,709 22.6 6,868 5,551 23.7

* See Notes to Users for explanation

N/M - Not Meaningful

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