Dollar Amounts in Billions Other

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

Second Quarter 2019 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 5,303 4,630 673 11 5 1,329 2,803 388 70 220 426 51

Number of FDIC-Supervised 3,418 3,086 332 6 0 945 1,817 188 47 131 267 17

Total Assets $ 18,267 17,098 1,169 521 4,489 291 6,584 356 222 38 76 5,691

Total Loans $ 10,300 9,624 675 423 1,693 202 4,668 220 155 10 44 2,885

Domestic Deposits $ 12,748 11,823 924 344 2,124 239 5,117 274 183 30 63 4,374

Bank Net Income (QTR) $ 62.574 58.787 3.787 4.188 13.931 0.968 20.419 1.003 0.798 0.286 0.272 20.710

Percent Profitable (QTR) % 96.2 96.8 92.0 100.0 100.0 97.7 96.3 91.5 97.1 93.6 96.0 98.0

Average Return on Assets (QTR) % 1.38 1.38 1.30 3.21 1.24 1.34 1.25 1.13 1.44 3.05 1.44 1.46

Average Return on Equity (QTR) % 12.07 12.09 11.81 26.13 11.93 11.32 10.33 10.35 13.41 17.65 11.18 12.96

Net Interest Margin (QTR) % 3.39 3.36 3.87 10.53 2.77 3.84 3.51 2.88 4.24 2.97 3.71 3.01

Equity to Assets % 11.47 11.49 11.08 12.32 10.46 11.94 12.18 11.05 10.93 17.57 13.09 11.31

Noncurrent Loan Rate - Total Loans * % 0.93 0.89 1.49 1.48 0.88 1.17 0.77 1.84 0.64 1.14 0.92 1.05

 Real Estate Loans % 1.19 1.14 1.60 1.71 1.48 1.11 0.79 1.97 1.29 1.30 0.99 1.88

 C&I Loans % 0.79 0.79 1.04 0.65 0.84 1.37 0.86 1.01 0.23 0.79 0.85 0.66

 Loans to Individuals % 0.92 0.88 1.44 1.57 0.88 0.49 0.79 0.42 0.48 0.83 0.62 0.67

Coverage Ratio ** % 130.53 133.97 101.30 303.96 161.64 116.66 126.54 33.78 163.89 126.40 138.23 96.99

Net Charge-Off Rate - All Loans (QTR) % 0.50 0.47 0.94 4.33 0.73 0.17 0.19 0.02 0.79 0.15 0.16 0.35

 Real Estate Loans (QTR) % 0.00 0.00 0.00 -0.01 -0.02 0.04 0.02 -0.02 -0.04 -0.01 0.05 -0.06

 C&I Loans (QTR) % 0.33 0.32 0.79 2.26 0.36 0.25 0.31 -0.13 0.72 0.19 0.30 0.25

 Loans to Individuals (QTR) % 2.44 2.29 4.13 4.56 2.89 0.59 1.16 1.12 1.07 0.58 0.89 1.77

Second Quarter 2018

Number of FDIC-Insured 5,542 4,834 708 12 5 1,383 2,894 406 71 245 475 51

Number of FDIC-Supervised 3,569 3,219 350 6 0 981 1,883 191 47 149 293 19

Total Assets $ 17,533 16,367 1,166 626 4,222 284 6,168 356 217 39 81 5,540

Total Loans $ 9,857 9,188 668 492 1,579 195 4,360 212 153 11 46 2,808

Domestic Deposits $ 12,235 11,311 925 359 2,030 236 4,816 276 177 31 68 4,241

Bank Net Income (QTR) $ 60.115 56.587 3.528 4.249 13.021 0.947 19.579 0.957 0.647 0.369 0.230 20.117

Percent Profitable (QTR) % 96.0 96.6 91.9 100.0 100.0 96.7 96.7 92.6 93.0 93.9 93.7 100.0

Average Return on Assets (QTR) % 1.37 1.38 1.22 2.73 1.23 1.34 1.28 1.07 1.20 3.76 1.14 1.45

Average Return on Equity (QTR) % 12.20 12.26 11.37 17.77 12.36 11.91 10.75 9.45 11.69 22.74 9.62 13.10

Net Interest Margin (QTR) % 3.38 3.35 3.79 10.26 2.53 3.83 3.55 2.95 4.00 2.94 3.66 3.02

Equity to Assets % 11.30 11.33 10.76 15.29 10.02 11.31 11.91 11.23 10.35 16.60 11.89 11.12

Noncurrent Loan Rate - Total Loans * % 1.06 1.03 1.54 1.33 1.05 1.12 0.80 2.59 0.64 1.22 1.02 1.34

 Real Estate Loans % 1.47 1.44 1.67 1.88 1.98 1.10 0.82 2.72 1.26 1.32 1.13 2.55

 C&I Loans % 0.79 0.78 1.32 0.67 0.74 1.31 0.93 4.60 0.44 1.17 0.95 0.56

 Loans to Individuals % 0.88 0.84 1.37 1.40 0.84 0.53 0.72 0.43 0.46 0.86 0.52 0.64

Coverage Ratio ** % 117.73 119.38 102.61 334.66 124.21 125.39 126.16 27.42 161.90 122.00 126.00 80.75

Net Charge-Off Rate - All Loans (QTR) % 0.48 0.45 0.88 4.02 0.50 0.19 0.16 0.01 1.14 0.04 0.09 0.36

 Real Estate Loans (QTR) % 0.01 0.00 0.07 0.32 -0.11 0.03 0.02 -0.03 1.04 0.02 0.03 0.01

 C&I Loans (QTR) % 0.28 0.28 0.43 2.34 0.24 0.47 0.28 0.15 0.84 -0.63 0.09 0.18

 Loans to Individuals (QTR) % 2.38 2.23 4.01 4.16 2.77 0.44 1.01 1.01 1.22 0.58 0.58 1.76

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

 Statistics At A Glance

 As of June 30, 2019

Asset Concentration Group

See back of page for FDIC historical trends.