Dollar Amounts in Billions Other

All Insured Commercial Savings Credit Card International Agricultural Commercial Mortgage Consumer Specialized All Other All Other

Fourth Quarter 2018 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 5,406 4,715 691 12 5 1,346 2,866 401 69 226 432 49

Number of FDIC-Supervised 3,483 3,140 343 6 0 959 1,858 189 45 138 271 17

Total Assets $ 17,943 16,728 1,215 652 4,286 287 6,374 346 218 36 76 5,668

Total Loans $ 10,152 9,460 692 536 1,622 197 4,523 206 154 10 44 2,861

Domestic Deposits $ 12,613 11,645 968 384 2,071 238 4,981 272 179 29 64 4,394

Bank Net Income (QTR) $ 59.062 55.124 3.937 5.422 10.904 0.873 19.821 0.911 0.710 0.382 0.212 19.827

Percent Profitable (QTR) % 93.5 94.0 90.0 100.0 100.0 92.1 95.4 87.5 88.4 88.1 93.3 95.9

Average Return on Assets (QTR) % 1.33 1.33 1.31 3.36 1.02 1.23 1.26 1.07 1.32 3.97 1.12 1.41

Average Return on Equity (QTR) % 11.78 11.75 12.19 21.97 10.30 10.88 10.53 9.49 12.47 24.76 9.12 12.76

Net Interest Margin (QTR) % 3.48 3.45 3.92 10.77 2.62 3.88 3.62 2.97 4.34 2.85 3.80 3.08

Equity to Assets % 11.25 11.29 10.74 15.29 9.88 11.34 11.94 11.08 10.51 16.72 12.35 11.04

Noncurrent Loan Rate - Total Loans * % 0.99 0.95 1.54 1.54 0.93 1.04 0.78 2.07 0.68 1.28 1.00 1.17

 Real Estate Loans % 1.32 1.29 1.59 2.12 1.70 1.02 0.82 2.20 1.41 1.48 1.07 2.22

 C&I Loans % 0.68 0.67 1.13 0.68 0.64 1.31 0.80 1.07 0.42 1.03 0.96 0.49

 Loans to Individuals % 1.03 0.97 1.65 1.61 0.94 0.50 0.90 0.45 0.50 0.67 0.72 0.74

Coverage Ratio ** % 124.43 126.90 103.64 281.31 137.93 134.21 126.18 31.58 153.67 126.83 125.13 88.29

Net Charge-Off Rate - All Loans (QTR) % 0.50 0.48 0.82 3.85 0.49 0.19 0.21 0.06 0.80 0.24 0.22 0.39

 Real Estate Loans (QTR) % 0.02 0.02 0.00 0.00 -0.02 0.08 0.02 0.01 -0.04 0.03 0.10 0.01

 C&I Loans (QTR) % 0.32 0.32 0.41 2.07 0.23 0.42 0.39 -0.01 0.85 0.21 0.57 0.15

 Loans to Individuals (QTR) % 2.38 2.25 3.74 4.03 2.53 0.89 1.21 1.18 1.06 0.86 0.79 1.87

Fourth Quarter 2017

Number of FDIC-Insured 5,670 4,918 752 11 5 1,389 2,944 420 59 272 510 60

Number of FDIC-Supervised 3,637 3,267 370 7 0 981 1,915 194 41 168 308 23

Total Assets $ 17,415 16,218 1,198 563 4,196 283 6,026 349 271 47 89 5,592

Total Loans $ 9,721 9,006 715 456 1,550 191 4,233 209 195 13 50 2,823

Domestic Deposits $ 12,081 11,150 931 306 2,025 234 4,717 273 228 38 75 4,186

Bank Net Income (QTR) $ 25.303 22.487 2.816 -0.049 -4.521 0.336 13.469 0.566 0.462 0.334 0.173 14.532

Percent Profitable (QTR) % 83.4 85.6 69.0 63.6 80.0 89.7 82.1 73.6 71.2 79.8 85.1 88.3

Average Return on Assets (QTR) % 0.58 0.56 0.95 -0.04 -0.43 0.48 0.90 0.65 0.69 2.86 0.78 1.04

Average Return on Equity (QTR) % 5.19 4.94 8.81 -0.23 -4.35 4.22 7.54 5.78 6.86 18.69 6.51 9.39

Net Interest Margin (QTR) % 3.31 3.27 3.88 11.17 2.46 3.77 3.50 2.92 3.66 2.80 3.55 2.95

Equity to Assets % 11.22 11.25 10.75 15.10 9.83 11.18 11.95 11.22 10.00 15.26 11.94 11.09

Noncurrent Loan Rate - Total Loans * % 1.20 1.17 1.58 1.54 1.27 0.97 0.86 2.71 0.49 1.35 1.10 1.56

 Real Estate Loans % 1.66 1.65 1.78 0.66 2.33 0.95 0.91 2.98 0.49 1.54 1.15 2.95

 C&I Loans % 0.90 0.90 0.90 0.91 1.03 1.30 0.96 0.44 0.35 1.27 1.04 0.75

 Loans to Individuals % 0.97 0.92 1.46 1.57 0.89 0.49 0.76 0.50 0.55 0.56 1.20 0.74

Coverage Ratio ** % 106.30 107.15 98.39 284.47 107.71 144.82 119.74 27.74 169.94 105.97 114.35 73.16

Net Charge-Off Rate - All Loans (QTR) % 0.55 0.52 0.86 4.18 0.56 0.24 0.23 0.06 0.62 0.36 0.18 0.51

 Real Estate Loans (QTR) % 0.04 0.04 0.04 -0.04 0.01 0.10 0.05 0.03 0.03 0.16 0.07 0.03

 C&I Loans (QTR) % 0.45 0.43 0.99 2.69 0.24 0.84 0.44 0.05 0.30 0.57 0.61 0.51

 Loans to Individuals (QTR) % 2.38 2.26 3.51 4.24 2.51 0.69 1.08 1.18 1.03 0.98 0.72 1.94

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

 Statistics At A Glance

 As of December 31, 2018

Asset Concentration Group

See back of page for FDIC historical trends.