Dollar Amounts in Billions Other

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

Fourth Quarter 2013 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 6,812 5,876 936 16 4 1,532 3,377 588 55 406 772 62

Number of FDIC-Supervised 4,312 3,873 439 8 0 1,070 2,197 270 36 240 468 23

Total Assets $ 14,723 13,670 1,052 591 3,691 262 4,922 487 162 63 138 4,407

Total Loans $ 7,893 7,246 647 469 1,299 164 3,318 297 111 18 75 2,141

Domestic Deposits $ 9,791 8,988 803 323 1,621 218 3,796 362 137 51 116 3,166

Bank Net Income (QTR) $ 40.263 37.377 2.886 5.441 8.590 0.703 12.064 1.168 0.366 0.346 0.275 11.310

Percent Profitable (QTR) % 87.8 88.7 82.6 100.0 100.0 91.8 87.2 83.0 94.5 83.5 87.4 96.8

Average Return on Assets (QTR) % 1.10 1.10 1.10 3.72 0.93 1.09 0.99 0.96 0.91 2.18 0.80 1.03

Average Return on Equity (QTR) % 9.87 9.92 9.33 25.40 10.23 9.81 8.39 8.29 9.48 16.21 7.05 8.87

Net Interest Margin (QTR) % 3.28 3.26 3.46 9.58 2.47 3.68 3.53 2.85 3.41 2.69 3.55 2.80

Equity to Assets % 11.16 11.12 11.76 14.73 9.30 10.98 11.79 11.62 9.51 13.50 11.34 11.52

Noncurrent Loan Rate - Total Loans * % 2.62 2.64 2.44 1.17 2.73 1.09 1.90 3.01 1.66 1.91 1.82 4.14

 Real Estate Loans % 4.44 4.63 3.03 0.79 6.36 1.39 2.65 3.27 4.53 2.39 2.08 7.69

 C&I Loans % 0.62 0.60 1.03 0.95 0.59 1.30 0.71 1.66 0.84 1.21 1.55 0.41

 Loans to Individuals % 1.05 1.05 1.05 1.20 1.13 0.56 0.98 0.72 0.78 0.57 0.93 0.93

Coverage Ratio ** % 65.61 66.09 59.70 296.22 82.57 132.85 80.03 42.96 75.78 96.95 82.55 34.55

Net Charge-Off Rate - All Loans (QTR) % 0.60 0.59 0.62 3.09 0.81 0.20 0.37 0.28 0.88 0.66 0.35 0.35

 Real Estate Loans (QTR) % 0.34 0.35 0.25 4.17 0.51 0.16 0.33 0.26 0.62 0.61 0.29 0.32

 C&I Loans (QTR) % 0.30 0.28 0.78 2.48 0.26 0.51 0.30 0.61 0.53 0.41 0.61 0.14

 Loans to Individuals (QTR) % 2.04 2.02 2.31 3.16 2.79 0.56 1.02 1.25 1.00 0.92 0.79 1.10

Fourth Quarter 2012

Number of FDIC-Insured 7,083 6,096 987 19 5 1,537 3,499 659 51 414 826 73

Number of FDIC-Supervised 4,460 4,020 440 10 0 1,066 2,282 299 33 239 500 31

Total Assets $ 14,451 13,391 1,060 601 3,808 240 4,339 628 102 65 146 4,522

Total Loans $ 7,696 7,048 648 479 1,296 145 2,902 379 71 18 79 2,327

Domestic Deposits $ 9,447 8,644 803 313 1,555 200 3,374 481 84 52 123 3,265

Bank Net Income (QTR) $ 34.434 31.787 2.647 4.551 6.667 0.662 9.480 1.331 0.292 0.166 0.287 10.998

Percent Profitable (QTR) % 85.0 85.5 81.9 100.0 100.0 90.5 83.0 82.7 86.3 81.9 85.7 90.4

Average Return on Assets (QTR) % 0.96 0.96 1.00 3.08 0.70 1.13 0.88 0.85 1.16 1.02 0.79 0.98

Average Return on Equity (QTR) % 8.53 8.54 8.38 20.88 7.77 9.92 7.34 7.59 11.92 7.01 6.84 8.22

Net Interest Margin (QTR) % 3.34 3.35 3.25 9.32 2.52 3.70 3.66 2.97 3.96 2.58 3.53 2.91

Equity to Assets % 11.17 11.10 11.94 14.67 8.93 11.14 11.93 11.09 9.57 14.27 11.47 11.84

Noncurrent Loan Rate - Total Loans * % 3.60 3.62 3.32 1.39 3.82 1.27 2.54 3.82 1.17 2.43 2.08 5.48

 Real Estate Loans % 6.00 6.26 4.09 3.93 8.70 1.68 3.51 4.10 2.12 2.97 2.35 9.74

 C&I Loans % 0.88 0.86 1.44 1.33 0.99 1.46 1.01 1.73 1.48 1.56 1.86 0.57

 Loans to Individuals % 1.17 1.17 1.11 1.40 1.38 0.57 0.73 0.94 0.83 0.74 0.94 1.06

Coverage Ratio ** % 58.55 59.62 45.85 293.16 78.06 118.57 69.10 36.99 157.10 80.18 75.84 33.25

Net Charge-Off Rate - All Loans (QTR) % 0.97 0.99 0.79 3.36 1.04 0.35 0.72 0.60 1.50 0.65 0.47 0.85

 Real Estate Loans (QTR) % 0.85 0.89 0.54 3.26 0.96 0.36 0.80 0.59 2.25 0.56 0.43 1.00

 C&I Loans (QTR) % 0.41 0.39 0.93 2.87 0.03 0.80 0.51 0.67 1.42 0.96 0.75 0.29

 Loans to Individuals (QTR) % 2.43 2.46 2.11 3.42 3.24 0.54 1.07 1.58 1.23 0.64 0.73 1.69

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

Statistics At A Glance

Asset Concentration Group

As of December 31, 2013