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FDIC Quarterly Banking Profile

FDIC First-Half of 2019 Banking Profile - All FDIC-Insured Institutions
Table III-B. Aggregate Condition and Income Data by Geographic Region, FDIC-Insured Community Banks
2nd Quarter 2019
(dollar figures in millions) All Community
Banks
Geographic Regions*
New York Atlanta Chicago Kansas City Dallas San Francisco
Number of institutions reporting 4,874 552 561 1,073 1,304 1,085 299
Total employees (full-time equivalent) 407,901 83,284 45,641 83,857 71,971 88,728 34,420
CONDITION DATA
Total assets $2,267,582 $619,673 $230,159 $397,946 $373,103 $421,133 $225,569
Loans secured by real estate 1,239,029 385,019 126,300 209,657 184,502 211,185 122,365
1-4 Family residential mortgages 399,943 137,499 39,625 68,256 55,040 68,070 31,453
Nonfarm nonresidential 479,116 139,676 55,381 78,957 62,268 85,936 56,897
Construction and development 113,784 26,440 14,268 16,667 16,187 29,659 10,564
Home equity lines 47,306 14,943 6,252 10,010 5,334 4,907 5,860
Commercial & industrial loans 221,869 56,158 19,238 42,177 39,641 42,457 22,198
Loans to individuals 65,103 15,916 6,395 12,251 11,070 12,938 6,532
Credit cards 2,025 427 144 247 566 213 428
Farm loans 53,410 641 1,447 8,498 30,178 9,616 3,030
Other loans & leases 43,265 12,439 3,267 8,171 6,809 7,912 4,666
Less: Unearned income 642 161 90 48 107 131 105
Total loans & leases 1,622,035 470,013 156,558 280,705 272,094 283,978 158,687
Less: Reserve for losses 18,291 4,393 1,755 3,209 3,543 3,438 1,953
Net loans and leases 1,603,744 465,620 154,803 277,497 268,550 280,539 156,734
Securities 389,305 92,329 42,101 72,008 63,818 82,370 36,679
Other real estate owned 2,834 500 557 531 493 611 142
Goodwill and other intangibles 16,998 4,884 1,194 2,951 2,438 3,174 2,357
All other assets 254,701 56,339 31,504 44,959 37,804 54,438 29,657
Total liabilities and capital 2,267,582 619,673 230,159 397,946 373,103 421,133 225,569
Deposits 1,859,739 490,873 192,573 328,707 307,569 353,940 186,076
Domestic office deposits 1,857,467 490,188 192,573 328,578 307,569 353,940 184,619
Foreign office deposits 2,271 685 1 129 0 0 1,457
Brokered deposits 75,516 25,744 4,935 14,193 14,026 10,122 6,496
Estimated insured deposits 1,350,104 343,241 139,959 256,874 238,615 252,377 119,039
Other borrowed funds 123,286 50,041 9,056 19,338 20,004 14,616 10,231
Subordinated debt 631 509 13 36 10 42 21
All other liabilities 18,935 6,435 1,701 2,992 2,500 3,069 2,237
Total equity capital (includes minority interests) 264,991 71,814 26,817 46,872 43,020 49,465 27,003
Bank equity capital 264,916 71,789 26,813 46,848 43,019 49,444 27,002
Loans and leases 30-89 days past due 8,031 1,743 867 1,531 1,509 1,841 538
Noncurrent loans and leases 12,178 3,492 1,179 2,243 2,157 2,344 763
Restructured loans and leases 5,965 2,034 603 1,378 845 698 406
Mortgage-backed securities 179,687 52,938 19,446 29,741 23,033 33,429 21,100
Earning assets 2,115,034 580,771 213,514 371,159 348,926 390,589 210,076
FHLB Advances 100,718 44,067 7,430 14,924 15,702 11,204 7,390
Unused loan commitments 315,984 85,606 27,581 56,415 55,230 54,272 36,880
Trust assets 276,541 55,868 8,973 58,577 92,878 42,089 18,155
Assets securitized and sold 12,908 7,599 69 1,061 2,804 950 424
Notional amount of derivatives 99,265 39,554 8,573 14,880 15,212 13,337 7,708
INCOME DATA All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Total interest income $24,422 $6,364 $2,498 $4,214 $4,116 $4,742 $2,488
Total interest expense 5,112 1,633 475 849 862 881 412
Net interest income 19,310 4,731 2,023 3,366 3,254 3,861 2,076
Provision for loan and lease losses 673 144 59 109 138 159 64
Total noninterest income 4,695 916 471 1,120 834 974 380
Total noninterest expense 15,326 3,669 1,692 2,858 2,543 3,089 1,475
Securities gains (losses) 234 71 38 72 20 26 7
Applicable income taxes 1,407 422 144 266 187 187 201
Extraordinary gains, net** 118 118 0 0 0 -1 0
Total net income (includes minority interests) 6,949 1,602 637 1,324 1,241 1,423 722
Bank net income 6,946 1,601 637 1,323 1,241 1,422 722
Net charge-offs 426 94 33 63 88 97 50
Cash dividends 3,417 784 214 796 678 620 326
Retained earnings 3,529 817 423 526 563 802 397
Net operating income 6,631 1,425 606 1,258 1,222 1,403 717

* See Table V-A for explanation.

** See Notes to Users for explanation.