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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-A. Aggregate Condition and Income Data, FDIC-Insured Commercial Banks
(dollar figures in millions) 1st Quarter
2019
4th Quarter
2018
1st Quarter
2018
% Change
18Q1-19Q1
Number of institutions reporting 4,681 4,715 4,881 -4.1
Total employees (full-time equivalent) 1,945,141 1,943,051 1,953,719 -0.4
CONDITION DATA
Total assets $16,906,570 $16,728,088 $16,327,918 3.5
Loans secured by real estate 4,435,078 4,414,355 4,327,870 2.5
Commercial & industrial loans 2,157,726 2,114,560 1,975,187 9.2
Loans to individuals 1,565,924 1,595,492 1,488,514 5.2
Farm loans 75,114 78,826 72,229 4.0
Other loans & leases 1,241,947 1,259,129 1,184,803 4.8
Less: Unearned income 2,216 2,247 2,113 4.8
Total loans & leases 9,473,573 9,460,116 9,046,489 4.7
Less: Reserve for losses 114,667 113,722 112,467 2.0
Net loans and leases 9,358,906 9,346,394 8,934,023 4.8
Securities 3,344,285 3,318,703 3,231,444 3.5
Other real estate owned 6,166 6,287 7,604 -18.9
Goodwill and other intangibles 386,809 385,297 377,173 2.6
All other assets 3,810,404 3,671,406 3,777,675 0.9
Total liabilities and capital 16,906,570 16,728,088 16,327,918 3.5
Noninterest-bearing deposits 3,067,997 3,169,183 3,287,937 -6.7
Interest-bearing deposits 9,916,745 9,729,271 9,283,076 6.8
Other borrowed funds 1,407,799 1,373,661 1,373,250 2.5
Subordinated debt 68,835 68,662 69,836 -1.4
All other liabilities 514,386 495,266 475,458 8.2
Equity capital 1,930,808 1,892,045 1,838,360 5.0
Loans and leases 30-89 days past due 58,032 59,513 57,862 0.3
Noncurrent loans and leases 90,014 89,630 100,908 -10.8
Restructured loans and leases 52,197 52,473 55,144 -5.3
1-4 Family residential mortgages 2,231,106 2,233,939 2,209,200 1.0
Mortgage-backed securities 1,948,010 1,905,370 1,852,275 5.2
Earning assets 15,230,601 15,102,793 14,738,640 3.3
Long-term assets (5+ years) 4,418,751 4,373,340 4,304,303 2.7
Volatile liabilities 2,743,257 2,708,667 2,616,943 4.8
Foreign office deposits 1,240,765 1,253,301 1,271,984 -2.5
FHLB Advances 439,608 485,978 471,691 -6.8
Unused loan commitments 7,379,721 7,203,660 7,035,976 4.9
Off-balance-sheet derivatives 203,876,078 178,004,854 205,912,679 -1.0
INCOME DATA Full Year
2018
Full Year
2017
% Change 1st Quarter
2019
1st Quarter
2018
% Change
18Q1-19Q1
Total interest income $610,047 $524,347 16.3 $165,847 $141,909 16.9
Total interest expense 111,299 66,849 66.5 37,386 21,607 73.0
Net interest income 498,747 457,498 9.0 128,461 120,302 6.8
Provision for loan and lease losses 43,924 44,355 -1.0 12,659 10,615 19.3
Total noninterest income 254,342 235,853 7.8 62,699 62,255 0.7
Total noninterest expense 430,309 408,705 5.3 108,025 106,556 1.4
Securities gains (losses) 181 1,823 -90.1 698 186 276.2
Applicable income taxes 56,661 90,205 -37.2 14,397 13,704 5.1
Extraordinary gains, net -37 -87 57.1 -10 -8 -29.6
Net income 222,059 151,493 46.6 56,704 51,769 9.5
Net charge-offs 42,070 41,497 1.4 11,255 10,558 6.6
Cash dividends 158,391 113,422 39.7 35,441 29,063 22.0
Net operating income 222,252 150,612 47.6 56,213 51,717 8.7