Dollar Amounts in Billions Other

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

Third Quarter 2023 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 4,614 4,049 565 10 5 1,020 2,523 318 39 233 399 67

Number of FDIC-Supervised 2,952 2,670 282 5 0 727 1,630 153 26 138 249 24

Total Assets $ 23,409 22,200 1,208 490 5,798 295 8,368 613 390 50 92 7,313

Total Loans $ 12,344 11,708 636 409 2,062 194 5,609 212 296 13 52 3,497

Domestic Deposits $ 17,158 16,185 973 374 3,132 248 6,742 497 317 42 80 5,726

Bank Net Income (QTR) $ 68.393 66.230 2.163 3.186 18.640 0.917 20.203 0.812 1.013 0.249 0.253 23.120

Percent Profitable (QTR) % 93.4 95.2 80.7 90.0 100.0 96.5 94.8 78.6 84.6 86.3 94.0 92.5

Average Return on Assets (QTR) % 1.17 1.19 0.71 2.64 1.28 1.25 0.97 0.52 1.05 1.97 1.10 1.27

Average Return on Equity (QTR) % 12.18 12.33 8.83 25.59 13.62 14.16 9.71 7.77 12.47 17.10 12.47 13.16

Net Interest Margin (QTR) % 3.30 3.30 3.29 10.74 2.91 3.40 3.33 1.55 3.61 3.11 3.48 3.19

Equity to Assets % 9.58 9.66 8.11 10.25 9.46 8.68 9.91 6.81 8.34 11.04 8.64 9.60

Noncurrent Loan Rate - Total Loans1 % 0.82 0.80 1.22 1.50 0.73 0.54 0.71 0.40 0.64 0.77 0.61 1.03

 Real Estate Loans % 1.00 0.98 1.21 0.75 0.98 0.52 0.78 0.43 0.18 0.80 0.56 1.82

 C&I Loans % 0.68 0.68 0.77 0.70 0.76 0.81 0.76 0.46 0.84 0.83 0.73 0.51

 Loans to Individuals % 1.01 0.97 1.43 1.61 0.91 0.35 0.54 0.13 0.81 0.63 0.57 1.08

Coverage Ratio2 % 209.94 210.78 199.83 471.03 256.03 244.62 181.66 156.90 322.49 212.26 203.28 172.36

Net Charge-Off Rate - All Loans (QTR) % 0.51 0.49 0.86 3.57 0.57 0.05 0.22 0.02 0.93 0.34 0.05 0.60

 Real Estate Loans (QTR) % 0.05 0.06 0.00 0.01 0.01 0.01 0.06 -0.01 0.00 0.10 0.00 0.08

 C&I Loans (QTR) % 0.39 0.39 0.46 2.32 0.29 0.18 0.45 0.01 0.29 0.12 0.07 0.25

 Loans to Individuals (QTR) % 2.28 2.21 3.24 3.78 2.36 0.46 1.22 0.34 1.48 2.07 0.35 2.32

Third Quarter 2022

Number of FDIC-Insured 4,746 4,160 586 11 5 1,064 2,468 306 41 314 460 77

Number of FDIC-Supervised 3,062 2,768 294 5 0 752 1,611 150 24 192 300 28

Total Assets $ 23,631 22,257 1,374 552 5,827 297 7,549 758 577 71 110 7,890

Total Loans $ 12,001 11,305 696 468 1,870 185 5,010 271 437 19 60 3,681

Domestic Deposits $ 17,891 16,717 1,175 406 3,237 258 6,287 678 480 62 97 6,385

Bank Net Income (QTR) $ 71.663 67.909 3.754 4.632 15.354 1.015 23.374 1.925 1.863 0.377 0.308 22.814

Percent Profitable (QTR) % 96.4 97.2 91.3 90.9 100.0 98.5 97.6 90.2 90.2 87.3 96.1 97.4

Average Return on Assets (QTR) % 1.21 1.22 1.08 3.43 1.05 1.37 1.24 0.98 1.31 2.14 1.12 1.16

Average Return on Equity (QTR) % 13.09 13.06 13.57 28.83 11.72 15.94 12.80 15.94 15.64 21.37 12.96 12.45

Net Interest Margin (QTR) % 3.14 3.13 3.41 11.35 2.46 3.54 3.49 2.13 3.46 2.85 3.47 2.78

Equity to Assets % 9.15 9.25 7.62 11.55 8.97 8.34 9.51 5.80 8.23 9.48 8.42 9.20

Noncurrent Loan Rate - Total Loans1 % 0.72 0.69 1.24 1.16 0.72 0.57 0.66 0.76 0.43 0.61 0.57 0.79

 Real Estate Loans % 0.92 0.87 1.42 0.79 1.15 0.55 0.73 0.81 0.12 0.62 0.58 1.46

 C&I Loans % 0.63 0.63 0.72 0.44 0.88 0.91 0.66 0.53 0.61 0.62 0.76 0.50

 Loans to Individuals % 0.73 0.71 0.97 1.25 0.57 0.33 0.45 0.07 0.81 0.40 0.44 0.63

Coverage Ratio2 % 214.87 220.67 162.60 576.98 246.93 239.10 182.11 82.31 333.26 277.10 217.43 170.00

Net Charge-Off Rate - All Loans (QTR) % 0.26 0.25 0.44 2.13 0.31 0.04 0.10 0.01 0.41 0.08 0.03 0.22

 Real Estate Loans (QTR) % -0.01 -0.01 -0.01 -0.02 -0.05 0.01 0.00 0.00 0.00 -0.04 -0.01 -0.02

 C&I Loans (QTR) % 0.17 0.16 0.67 1.03 0.14 0.13 0.19 0.02 0.42 -0.05 0.10 0.09

 Loans to Individuals (QTR) % 1.26 1.21 1.95 2.28 1.29 0.39 0.76 0.20 0.92 0.79 0.26 0.99

1

Nonaccruing loans and loans past due 90+ days.

2

Loss reserve as a percentage of noncurrent loans.

 Statistics At A Glance

 As of September 30, 2023

Asset Concentration Group