Dollar Amounts in Billions Other

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

Fourth Quarter 2016 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 5,913 5,113 800 13 5 1,429 3,026 461 65 300 549 65

Number of FDIC-Supervised 3,787 3,397 390 8 0 1,014 1,971 221 44 178 326 25

Total Assets $ 16,780 15,629 1,151 519 4,053 285 5,629 331 256 51 98 5,559

Total Loans $ 9,305 8,605 701 418 1,476 191 3,929 209 180 14 55 2,834

Domestic Deposits $ 11,647 10,736 912 274 1,951 236 4,417 263 215 41 83 4,167

Bank Net Income (QTR) $ 43.700 40.369 3.330 2.815 10.528 0.775 13.259 0.833 0.508 0.414 0.211 14.357

Percent Profitable (QTR) % 91.9 92.5 87.9 100.0 100.0 91.5 93.4 87.6 86.2 87.0 90.9 95.4

Average Return on Assets (QTR) % 1.04 1.03 1.17 2.21 1.03 1.10 0.95 1.01 0.80 3.26 0.87 1.04

Average Return on Equity (QTR) % 9.34 9.24 10.73 14.71 10.40 9.50 7.95 8.89 7.99 20.91 7.44 9.45

Net Interest Margin (QTR) % 3.16 3.12 3.67 10.82 2.36 3.68 3.35 2.84 3.44 2.73 3.44 2.80

Equity to Assets % 11.11 11.13 10.85 14.85 9.97 11.30 11.82 11.29 10.04 15.24 11.42 10.85

Noncurrent Loan Rate - Total Loans * % 1.41 1.39 1.70 1.39 1.57 0.97 1.04 2.97 0.94 1.46 1.20 1.80

 Real Estate Loans % 1.95 1.94 2.02 0.56 2.79 0.94 1.08 3.21 1.51 1.67 1.30 3.22

 C&I Loans % 1.27 1.29 0.83 0.87 1.47 1.46 1.28 1.06 0.15 1.42 1.19 1.19

 Loans to Individuals % 0.92 0.88 1.28 1.41 1.02 0.54 0.76 0.47 0.59 0.88 0.81 0.63

Coverage Ratio ** % 92.26 93.12 83.66 274.64 92.71 144.20 105.28 29.03 103.30 104.99 108.69 65.88

Net Charge-Off Rate - All Loans (QTR) % 0.53 0.52 0.65 3.79 0.64 0.25 0.27 0.06 0.60 0.33 0.23 0.42

 Real Estate Loans (QTR) % 0.05 0.06 0.03 0.53 0.04 0.08 0.06 0.03 0.06 0.20 0.12 0.03

 C&I Loans (QTR) % 0.50 0.49 0.79 2.47 0.47 0.66 0.56 0.14 0.06 0.48 0.75 0.39

 Loans to Individuals (QTR) % 2.23 2.18 2.81 3.85 2.75 0.77 1.01 1.15 1.00 0.70 0.74 1.72

Fourth Quarter 2015

Number of FDIC-Insured 6,182 5,338 844 14 4 1,479 3,089 500 65 332 632 67

Number of FDIC-Supervised 3,947 3,544 403 8 0 1,044 2,013 235 44 196 383 24

Total Assets $ 15,968 14,893 1,074 549 3,775 278 5,892 385 187 57 114 4,730

Total Loans $ 8,839 8,170 669 425 1,378 184 3,999 243 137 16 63 2,395

Domestic Deposits $ 10,905 10,065 840 317 1,756 230 4,522 306 157 46 96 3,475

Bank Net Income (QTR) $ 40.587 37.881 2.706 3.557 7.829 0.769 13.070 0.845 0.376 0.486 0.606 13.050

Percent Profitable (QTR) % 90.4 91.2 85.7 100.0 100.0 91.9 91.7 84.4 86.2 85.2 87.8 95.5

Average Return on Assets (QTR) % 1.02 1.02 1.03 2.66 0.82 1.12 0.90 0.90 0.81 3.41 2.14 1.12

Average Return on Equity (QTR) % 9.08 9.07 9.19 18.30 8.18 9.80 7.59 7.80 7.99 22.44 17.92 9.97

Net Interest Margin (QTR) % 3.12 3.10 3.36 9.74 2.40 3.70 3.17 2.81 3.69 2.67 3.45 2.80

Equity to Assets % 11.24 11.25 11.03 14.29 10.13 11.32 11.76 11.37 10.12 15.02 11.80 11.08

Noncurrent Loan Rate - Total Loans * % 1.56 1.54 1.76 1.17 1.81 0.80 1.13 2.65 1.26 1.46 1.44 2.18

 Real Estate Loans % 2.48 2.52 2.15 0.55 3.79 0.90 1.42 2.90 3.35 1.66 1.63 4.36

 C&I Loans % 0.78 0.78 0.75 0.69 0.77 1.14 0.81 0.82 0.22 1.26 1.32 0.72

 Loans to Individuals % 0.85 0.82 1.10 1.21 1.02 0.56 0.71 0.42 0.57 0.88 0.78 0.59

Coverage Ratio ** % 85.97 86.72 78.02 274.03 87.52 172.14 103.85 36.45 89.88 115.08 95.46 55.14

Net Charge-Off Rate - All Loans (QTR) % 0.49 0.48 0.68 3.01 0.68 0.17 0.24 0.10 0.71 0.32 0.21 0.44

 Real Estate Loans (QTR) % 0.14 0.15 0.05 0.06 0.32 0.09 0.09 0.07 0.36 0.12 0.15 0.15

 C&I Loans (QTR) % 0.39 0.37 0.72 1.92 0.40 0.48 0.35 0.16 0.06 0.93 0.30 0.34

 Loans to Individuals (QTR) % 1.90 1.80 2.89 3.12 2.23 0.60 0.97 0.82 0.92 0.73 0.49 1.58

* Nonaccruing loans and loans past due 90+ days.

** Loss reserve as a percentage of noncurrent loans.

 Statistics At A Glance

 As of December 31, 2016

Asset Concentration Group

See back of page for FDIC historical trends.