Below is the list of tables from the database along with their columns and datatype. Need to generate an accurate SQL query for the question.
Only use the columns present in the respective table. Only use the columns which are required to generate the SQL query. Only use table joins if required and not otherwise.

### Tables ###
TABLE: CREATE TABLE table_name_54 ( profits__billion_ INTEGER, sales__billion_$_ VARCHAR, headquarters VARCHAR, industry VARCHAR )

### Question ###
How many profits is the company that is headquartered in the USA, in the banking industry, and has sales (billion $) less than 98.64 bringing in?

### Accurate SQL ###

SELECT SUM(profits__billion_) AS $_ FROM table_name_54 WHERE headquarters = "usa" AND industry = "banking" AND sales__billion_$_ < 98.64