Dollar Amounts in Billions Other

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

First Quarter 2020 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 5,116 4,464 652 11 6 1,260 2,707 384 50 214 428 56

Number of FDIC-Supervised 3,303 2,980 323 6 0 902 1,760 192 34 126 267 16

Total Assets $ 20,254 19,019 1,235 504 5,250 279 7,549 388 155 37 79 6,014

Total Loans $ 10,961 10,313 648 409 1,826 187 5,227 229 104 10 45 2,924

Domestic Deposits $ 14,306 13,319 987 336 2,616 231 5,814 302 129 29 66 4,782

Bank Net Income (QTR) $ 18.467 16.647 1.819 0.137 5.417 0.888 4.092 0.122 0.663 0.240 0.181 6.726

Percent Profitable (QTR) % 92.7 94.3 81.4 72.7 100.0 96.9 92.4 83.3 90.0 89.3 93.9 87.5

Average Return on Assets (QTR) % 0.38 0.36 0.61 0.11 0.44 1.28 0.22 0.13 1.79 2.64 0.93 0.47

Average Return on Equity (QTR) % 3.50 3.35 5.82 0.89 4.71 10.80 1.87 1.30 17.39 14.65 7.27 4.39

Net Interest Margin (QTR) % 3.13 3.10 3.56 10.66 2.54 3.69 3.29 2.61 3.30 2.80 3.57 2.71

Equity to Assets % 10.44 10.46 10.25 11.51 8.77 11.85 11.63 9.66 9.61 17.77 12.66 10.25

Noncurrent Loan Rate - Total Loans1 % 0.93 0.88 1.79 1.72 0.80 1.24 0.84 1.93 0.60 1.25 0.94 0.99

 Real Estate Loans % 1.16 1.08 2.05 0.57 1.15 1.21 0.90 2.12 0.50 1.30 1.02 1.73

 C&I Loans % 0.83 0.82 1.05 0.75 0.79 1.39 0.89 0.70 3.75 1.47 0.91 0.69

 Loans to Individuals % 1.05 1.01 1.48 1.82 1.00 0.55 0.85 0.48 0.38 1.00 0.55 0.80

Coverage Ratio2 % 192.23 201.43 120.14 483.65 290.91 116.63 162.94 32.61 357.09 122.41 134.10 144.41

Net Charge-Off Rate - All Loans (QTR) % 0.55 0.53 0.82 4.32 0.75 0.10 0.26 0.04 0.54 0.27 0.09 0.46

 Real Estate Loans (QTR) % 0.00 0.00 0.00 0.09 -0.09 0.04 0.02 -0.01 -0.02 0.14 0.03 -0.01

 C&I Loans (QTR) % 0.47 0.47 0.38 2.52 0.44 0.19 0.47 0.20 0.17 0.28 0.03 0.37

 Loans to Individuals (QTR) % 2.51 2.41 3.69 4.52 2.96 0.62 1.38 1.39 0.82 0.98 0.53 1.95

First Quarter 2019

Number of FDIC-Insured 5,362 4,681 681 12 5 1,316 2,854 395 70 234 423 53

Number of FDIC-Supervised 3,459 3,122 337 6 0 936 1,857 194 44 142 262 18

Total Assets $ 18,090 16,907 1,183 663 4,340 284 6,327 356 220 39 75 5,786

Total Loans $ 10,147 9,474 674 517 1,589 194 4,485 212 152 11 43 2,944

Domestic Deposits $ 12,685 11,744 941 388 2,082 235 4,961 276 182 31 63 4,466

Bank Net Income (QTR) $ 60.711 56.700 4.011 5.011 13.067 0.944 19.215 1.061 0.724 0.339 0.203 20.148

Percent Profitable (QTR) % 96.0 96.6 92.2 100.0 100.0 96.9 96.4 90.4 97.1 94.4 96.5 96.2

Average Return on Assets (QTR) % 1.35 1.35 1.36 3.05 1.21 1.33 1.23 1.21 1.32 3.55 1.09 1.39

Average Return on Equity (QTR) % 11.93 11.89 12.62 19.98 12.29 11.57 10.21 10.94 12.54 20.94 8.80 12.47

Net Interest Margin (QTR) % 3.42 3.39 3.87 10.37 2.62 3.78 3.54 2.91 4.26 3.08 3.61 3.04

Equity to Assets % 11.37 11.40 10.87 15.22 9.85 11.70 12.09 11.05 10.61 17.16 12.47 11.25

Noncurrent Loan Rate - Total Loans1 % 0.99 0.95 1.59 1.54 0.95 1.19 0.80 1.95 0.67 1.39 0.99 1.14

 Real Estate Loans % 1.27 1.23 1.67 1.88 1.60 1.12 0.83 2.07 1.38 1.61 1.05 1.99

 C&I Loans % 0.82 0.81 1.01 0.70 0.85 1.48 0.85 1.12 0.25 1.05 0.96 0.75

 Loans to Individuals % 1.02 0.96 1.65 1.62 0.96 0.53 0.88 0.43 0.50 1.03 0.59 0.70

Coverage Ratio2 % 124.49 127.65 98.01 287.81 138.78 115.62 124.15 32.53 159.26 116.25 124.62 90.61

Net Charge-Off Rate - All Loans (QTR) % 0.50 0.48 0.88 4.09 0.55 0.19 0.17 0.02 0.79 0.24 0.08 0.38

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

 C&I Loans (QTR) % 0.27 0.27 0.37 2.35 0.23 0.35 0.21 0.26 0.47 0.15 0.08 0.25

 Loans to Individuals (QTR) % 2.47 2.33 4.04 4.27 2.75 0.58 1.22 1.01 1.06 1.16 0.49 1.83

* Nonaccruing loans and loans past due 90+ days.

** Loss reserve as a percentage of noncurrent loans.

 Statistics At A Glance

 As of March 31, 2020

Asset Concentration Group

See back of page for FDIC historical trends.