Dollar Amounts in Billions Other

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

Third Quarter 2015 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 6,270 5,410 860 14 4 1,494 3,124 515 57 337 663 62

Number of FDIC-Supervised 3,995 3,588 407 8 0 1,061 2,039 241 40 193 392 21

Total Assets $ 15,800 14,727 1,074 520 3,837 275 5,509 416 185 55 118 4,887

Total Loans $ 8,642 7,974 669 400 1,353 182 3,767 261 136 15 65 2,463

Domestic Deposits $ 10,649 9,822 827 294 1,726 225 4,232 317 154 44 100 3,557

Bank Net Income (QTR) $ 40.356 37.568 2.788 3.647 8.114 0.252 13.550 0.599 0.490 0.349 0.224 13.132

Percent Profitable (QTR) % 95.0 95.6 90.9 100.0 100.0 97.6 94.9 90.5 93.0 90.2 94.9 98.4

Average Return on Assets (QTR) % 1.02 1.02 1.04 2.83 0.84 0.37 0.99 0.57 1.08 2.55 0.76 1.08

Average Return on Equity (QTR) % 9.09 9.08 9.17 19.11 8.50 3.19 8.44 4.93 10.52 16.65 6.31 9.47

Net Interest Margin (QTR) % 3.08 3.04 3.49 9.70 2.29 3.71 3.28 2.55 3.71 2.66 3.51 2.72

Equity to Assets % 11.33 11.33 11.36 14.83 9.98 11.48 11.81 11.63 10.22 15.49 12.10 11.42

Noncurrent Loan Rate - Total Loans * % 1.61 1.59 1.83 1.08 1.89 0.88 1.13 2.68 1.28 1.66 1.46 2.24

 Real Estate Loans % 2.62 2.66 2.25 0.35 4.06 1.00 1.45 2.89 3.36 1.93 1.66 4.55

 C&I Loans % 0.69 0.69 0.72 0.62 0.77 1.23 0.71 0.89 0.26 1.54 1.32 0.59

 Loans to Individuals % 0.80 0.77 1.04 1.13 0.98 0.55 0.68 0.49 0.57 0.74 0.62 0.55

Coverage Ratio ** % 85.19 86.01 76.62 301.00 85.79 159.49 107.04 38.38 85.61 103.65 99.21 54.67

Net Charge-Off Rate - All Loans (QTR) % 0.40 0.39 0.53 2.61 0.49 0.08 0.20 0.12 0.58 0.19 0.18 0.37

 Real Estate Loans (QTR) % 0.09 0.09 0.06 0.34 0.08 0.04 0.08 0.08 0.15 0.12 0.09 0.11

 C&I Loans (QTR) % 0.25 0.24 0.78 1.94 0.17 0.21 0.25 0.31 0.04 -0.03 0.46 0.20

 Loans to Individuals (QTR) % 1.71 1.67 2.16 2.69 2.24 0.36 0.84 1.53 0.80 0.57 0.61 1.41

Third Quarter 2014

Number of FDIC-Insured 6,589 5,670 919 16 3 1,501 3,284 570 50 371 729 65

Number of FDIC-Supervised 4,177 3,756 421 8 0 1,065 2,124 268 33 212 442 25

Total Assets $ 15,349 14,280 1,069 606 3,691 254 5,186 435 168 60 129 4,820

Total Loans $ 8,160 7,492 668 477 1,275 163 3,532 271 119 17 70 2,236

Domestic Deposits $ 10,173 9,358 815 323 1,633 209 3,975 321 140 49 108 3,414

Bank Net Income (QTR) $ 38.411 35.320 3.091 4.674 7.267 0.812 12.218 0.925 0.494 0.319 0.294 11.408

Percent Profitable (QTR) % 93.4 94.2 88.0 100.0 100.0 97.4 92.6 90.4 100.0 87.3 93.0 95.4

Average Return on Assets (QTR) % 1.01 1.00 1.16 3.10 0.79 1.28 0.95 0.83 1.18 2.12 0.92 0.96

Average Return on Equity (QTR) % 8.98 8.91 9.84 21.00 8.30 11.33 7.91 6.95 11.98 14.93 7.74 8.57

Net Interest Margin (QTR) % 3.15 3.12 3.49 9.58 2.42 3.72 3.42 2.72 3.59 2.74 3.52 2.54

Equity to Assets % 11.20 11.15 11.82 14.90 9.50 11.40 11.97 12.03 9.96 14.30 11.91 11.09

Noncurrent Loan Rate - Total Loans * % 2.11 2.11 2.11 1.04 2.44 1.03 1.50 3.12 1.44 1.64 1.85 3.11

 Real Estate Loans % 3.57 3.69 2.62 0.55 5.65 1.24 2.07 3.44 3.78 1.91 2.07 6.01

 C&I Loans % 0.55 0.54 0.84 0.74 0.52 1.35 0.63 1.08 0.60 1.50 1.83 0.36

 Loans to Individuals % 0.93 0.92 1.04 1.07 1.07 0.54 0.80 0.57 0.77 0.63 0.98 0.78

Coverage Ratio ** % 72.85 73.35 67.35 318.98 80.17 140.95 90.26 38.50 79.31 114.03 78.97 40.87

Net Charge-Off Rate - All Loans (QTR) % 0.45 0.45 0.49 2.62 0.68 0.09 0.25 0.15 0.57 0.30 0.24 0.26

 Real Estate Loans (QTR) % 0.18 0.18 0.12 0.05 0.38 0.04 0.18 0.13 0.29 0.16 0.19 0.10

 C&I Loans (QTR) % 0.22 0.20 0.70 2.26 0.12 0.30 0.22 0.01 0.06 0.58 0.37 0.12

 Loans to Individuals (QTR) % 1.83 1.81 2.03 2.67 2.52 0.42 0.92 0.95 0.71 0.47 0.58 1.28

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

 Statistics At A Glance

 As of September 30, 2015

Asset Concentration Group