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FDIC Quarterly Banking Profile

Table II-B. Aggregate Condition and Income Data, FDIC-Insured Community Banks
(dollar figures in millions) 2nd Quarter
2019
1st Quarter
2019
2nd Quarter
2018
% Change
18Q2-19Q2
Number of institutions reporting 4,874 4,932 5,112 -4.7
Total employees (full-time equivalent) 407,901 406,575 415,477 -1.8
CONDITION DATA
Total assets $2,267,582 $2,258,777 $2,221,855 2.1
Loans secured by real estate 1,239,029 1,234,817 1,216,853 1.8
1-4 Family residential mortgages 399,943 399,232 400,033 0.0
Nonfarm nonresidential 479,116 477,544 468,395 2.3
Construction and development 113,784 113,466 108,623 4.8
Home equity lines 47,306 47,539 48,776 -3.0
Commercial & industrial loans 221,869 216,995 210,179 5.6
Loans to individuals 65,103 64,037 62,697 3.8
Credit cards 2,025 1,988 1,885 7.5
Farm loans 53,410 50,933 52,095 2.5
Other loans & leases 43,265 40,150 39,804 8.7
Less: Unearned income 642 642 701 -8.5
Total loans & leases 1,622,035 1,606,289 1,580,927 2.6
Less: Reserve for losses 18,291 18,271 18,243 0.3
Net loans and leases 1,603,744 1,588,018 1,562,684 2.6
Securities 389,305 392,599 403,050 -3.4
Other real estate owned 2,834 2,985 3,571 -20.6
Goodwill and other intangibles 16,998 16,725 15,202 11.8
All other assets 254,701 258,450 237,348 7.3
Total liabilities and capital 2,267,582 2,258,777 2,221,855 2.1
Deposits 1,859,739 1,861,209 1,818,620 2.3
Domestic office deposits 1,857,467 1,858,899 1,818,033 2.2
Foreign office deposits 2,271 2,310 587 287.0
Brokered deposits 75,516 77,356 74,726 1.1
Estimated insured deposits 1,350,104 1,355,680 1,335,071 1.1
Other borrowed funds 123,286 119,332 138,443 -10.9
Subordinated debt 631 618 629 0.4
All other liabilities 18,935 17,711 16,068 17.8
Total equity capital (includes minority interests) 264,991 259,907 248,095 6.8
Bank equity capital 264,916 259,839 247,978 6.8
Loans and leases 30-89 days past due 8,031 9,212 7,432 8.1
Noncurrent loans and leases 12,178 12,375 12,925 -5.8
Restructured loans and leases 5,965 6,033 6,549 -8.9
Mortgage-backed securities 179,687 177,205 177,217 1.4
Earning assets 2,115,034 2,107,482 2,072,598 2.0
FHLB Advances 100,718 95,973 115,387 -12.7
Unused loan commitments 315,984 313,263 303,200 4.2
Trust assets 276,541 269,923 293,149 -5.7
Assets securitized and sold 12,908 12,965 19,148 -32.6
Notional amount of derivatives 99,265 83,604 78,089 27.1
INCOME DATA First Half
2019
First Half
2018
% Change 2nd Quarter
2019
2nd Quarter
2018
% Change
18Q2-19Q2
Total interest income $48,048 $43,782 9.7 $24,422 $22,383 9.1
Total interest expense 9,819 6,400 53.4 5,112 3,401 50.3
Net interest income 38,229 37,382 2.3 19,310 18,982 1.7
Provision for loan and lease losses 1,325 1,496 -11.5 673 678 -0.7
Total noninterest income 8,901 9,205 -3.3 4,695 4,710 -0.3
Total noninterest expense 30,160 30,016 0.5 15,326 15,126 1.3
Securities gains (losses) 405 91 345.5 234 31 664.4
Applicable income taxes 2,737 2,538 7.8 1,407 1,314 7.1
Extraordinary gains, net* 115 -162 N/M 118 -163 N/M
Total net income (includes minority interests) 13,428 12,466 7.7 6,949 6,441 7.9
Bank net income 13,424 12,458 7.8 6,946 6,436 7.9
Net charge-offs 781 1,086 -28.1 426 590 -27.8
Cash dividends 6,671 5,320 25.4 3,417 2,921 17.0
Retained earnings 6,754 7,138 -5.4 3,529 3,516 0.4
Net operating income 12,973 12,554 3.3 6,631 6,581 0.8
* See Notes to Users for explanation N/M - Not Meaningful