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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 4,870 4,867 0.1
Total employees (full-time equivalent) 407,901 403,002 401,912 1.5
CONDITION DATA
Total assets $2,267,582 $2,238,343 $2,149,512 5.5
Loans secured by real estate 1,239,029 1,218,664 1,169,668 5.9
1-4 Family residential mortgages 399,943 393,048 384,243 4.1
Nonfarm nonresidential 479,116 470,911 446,828 7.2
Construction and development 113,784 111,996 104,385 9.0
Home equity lines 47,306 47,059 47,172 0.3
Commercial & industrial loans 221,869 215,689 204,557 8.5
Loans to individuals 65,103 63,225 61,202 6.4
Credit cards 2,025 1,980 2,005 1.0
Farm loans 53,410 50,820 51,634 3.4
Other loans & leases 43,265 39,621 39,109 10.6
Less: Unearned income 642 629 666 -3.7
Total loans & leases 1,622,035 1,587,390 1,525,503 6.3
Less: Reserve for losses 18,291 18,097 17,747 3.1
Net loans and leases 1,603,744 1,569,293 1,507,756 6.4
Securities 389,305 394,334 395,274 -1.5
Other real estate owned 2,834 2,938 3,406 -16.8
Goodwill and other intangibles 16,998 16,546 15,133 12.3
All other assets 254,701 255,232 227,942 11.7
Total liabilities and capital 2,267,582 2,238,343 2,149,512 5.5
Deposits 1,859,739 1,844,447 1,762,042 5.5
Domestic office deposits 1,857,467 1,842,137 1,760,060 5.5
Foreign office deposits 2,271 2,310 1,982 14.6
Brokered deposits 75,516 76,747 71,624 5.4
Estimated insured deposits 1,350,104 1,343,483 1,292,781 4.4
Other borrowed funds 123,286 118,214 130,837 -5.8
Subordinated debt 631 618 620 1.9
All other liabilities 18,935 17,532 15,762 20.1
Total equity capital (includes minority interests) 264,991 257,532 240,252 10.3
Bank equity capital 264,916 257,464 240,141 10.3
Loans and leases 30-89 days past due 8,031 9,157 7,268 10.5
Noncurrent loans and leases 12,178 12,324 12,545 -2.9
Restructured loans and leases 5,965 6,030 6,392 -6.7
Mortgage-backed securities 179,687 177,763 173,810 3.4
Earning assets 2,115,034 2,088,720 2,005,031 5.5
FHLB Advances 100,718 94,981 108,492 -7.2
Unused loan commitments 315,984 310,403 293,266 7.7
Trust assets 276,541 268,537 260,358 6.2
Assets securitized and sold 12,908 12,965 14,113 -8.5
Notional amount of derivatives 99,265 81,473 72,967 36.0
INCOME DATA First Half
2019
First Half
2018
% Change 2nd Quarter
2019
2nd Quarter
2018
% Change
18Q2-19Q2
Total interest income $48,048 $42,231 13.8 $24,422 $21,675 12.7
Total interest expense 9,819 6,175 59.0 5,112 3,310 54.5
Net interest income 38,229 36,056 6.0 19,310 18,365 5.1
Provision for loan and lease losses 1,325 1,447 -8.5 673 658 2.3
Total noninterest income 8,901 8,725 2.0 4,695 4,483 4.7
Total noninterest expense 30,160 28,705 5.1 15,326 14,509 5.6
Securities gains (losses) 405 86 372.4 234 31 656.7
Applicable income taxes 2,737 2,455 11.5 1,407 1,285 9.5
Extraordinary gains, net* 115 2 N/M 118 1 N/M
Total net income (includes minority interests) 13,428 12,263 9.5 6,949 6,427 8.1
Bank net income 13,424 12,256 9.5 6,946 6,424 8.1
Net charge-offs 781 883 -11.6 426 405 5.1
Cash dividends 6,671 5,283 26.3 3,417 2,870 19.1
Retained earnings 6,754 6,973 -3.1 3,529 3,554 -0.7
Net operating income 12,973 12,190 6.4 6,631 6,402 3.6
* See Notes to Users for explanation N/M - Not Meaningful