Dollar Amounts in Billions Other

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

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

Number of FDIC-Insured 4,645 4,071 574 10 5 1,018 2,521 326 41 254 403 67

Number of FDIC-Supervised 2,983 2,697 286 5 0 731 1,631 158 28 150 256 24

Total Assets $ 23,465 22,191 1,274 476 5,889 289 8,347 686 386 56 92 7,242

Total Loans $ 12,299 11,642 656 397 2,053 187 5,575 243 290 15 51 3,486

Domestic Deposits $ 17,198 16,180 1,018 365 3,208 245 6,674 548 318 48 80 5,713

Bank Net Income (QTR) $ 70.772 68.240 2.531 2.979 19.232 0.868 22.655 1.098 1.425 0.483 0.240 21.792

Percent Profitable (QTR) % 94.9 96.0 87.3 90.0 100.0 97.0 96.0 85.9 85.4 89.8 95.0 92.5

Average Return on Assets (QTR) % 1.21 1.23 0.79 2.53 1.32 1.21 1.08 0.63 1.49 3.41 1.04 1.19

Average Return on Equity (QTR) % 12.60 12.72 10.16 24.30 14.15 13.35 10.87 9.98 17.93 31.21 11.86 12.39

Net Interest Margin (QTR) % 3.28 3.28 3.17 10.32 2.86 3.44 3.36 1.53 3.63 3.15 3.42 3.17

Equity to Assets % 9.59 9.68 8.02 10.36 9.28 9.00 10.01 6.74 8.42 11.14 8.78 9.68

Noncurrent Loan Rate - Total Loans1 % 0.76 0.73 1.25 1.31 0.66 0.49 0.68 0.40 0.62 0.74 0.61 0.92

 Real Estate Loans % 0.94 0.91 1.33 0.81 0.92 0.47 0.75 0.43 0.21 0.75 0.58 1.66

 C&I Loans % 0.68 0.68 0.75 0.68 0.80 0.75 0.74 0.42 0.69 0.99 0.72 0.52

 Loans to Individuals % 0.88 0.86 1.22 1.40 0.79 0.33 0.49 0.12 0.80 0.48 0.49 0.94

Coverage Ratio2 % 224.78 228.46 186.60 524.73 279.64 272.21 188.09 154.45 332.96 213.54 207.85 191.10

Net Charge-Off Rate - All Loans (QTR) % 0.48 0.47 0.80 3.54 0.56 0.06 0.18 0.02 0.84 0.17 0.10 0.61

 Real Estate Loans (QTR) % 0.08 0.09 0.00 0.00 0.04 0.00 0.06 -0.01 0.00 -0.07 0.03 0.21

 C&I Loans (QTR) % 0.32 0.31 0.70 2.38 0.34 0.21 0.29 0.06 0.91 0.23 0.21 0.22

 Loans to Individuals (QTR) % 2.17 2.09 3.19 3.73 2.20 0.41 1.12 0.33 1.20 1.21 0.37 2.25

Second Quarter 2022

Number of FDIC-Insured 4,771 4,179 592 11 5 1,074 2,438 295 35 342 481 90

Number of FDIC-Supervised 3,080 2,784 296 5 0 765 1,587 144 19 207 315 38

Total Assets $ 23,718 22,293 1,425 529 5,920 299 7,448 334 364 78 117 8,629

Total Loans $ 11,772 11,093 679 448 1,868 180 4,851 190 267 22 61 3,885

Domestic Deposits $ 18,077 16,857 1,220 380 3,317 262 6,257 280 303 68 103 7,107

Bank Net Income (QTR) $ 64.411 60.610 3.801 5.166 14.269 0.911 20.472 0.738 1.755 0.307 0.291 20.502

Percent Profitable (QTR) % 95.1 96.2 87.7 100.0 100.0 96.7 96.0 87.1 91.4 88.9 96.3 96.7

Average Return on Assets (QTR) % 1.08 1.08 1.06 4.00 0.95 1.22 1.11 0.89 1.93 1.56 0.99 0.94

Average Return on Equity (QTR) % 11.55 11.49 12.58 32.00 10.85 13.29 11.02 9.91 22.31 13.81 10.62 10.39

Net Interest Margin (QTR) % 2.80 2.77 3.16 10.68 2.11 3.29 3.17 2.55 3.75 2.48 3.13 2.39

Equity to Assets % 9.35 9.42 8.24 12.25 8.87 8.80 9.95 8.76 8.56 10.59 9.01 9.06

Noncurrent Loan Rate - Total Loans1 % 0.75 0.71 1.38 0.95 0.74 0.64 0.70 0.51 0.65 0.66 0.58 0.82

 Real Estate Loans % 1.01 0.95 1.67 0.88 1.26 0.64 0.80 0.51 0.22 0.70 0.60 1.48

 C&I Loans % 0.64 0.64 0.76 0.33 0.92 0.82 0.67 1.14 0.85 0.58 0.74 0.49

 Loans to Individuals % 0.64 0.63 0.83 1.03 0.53 0.34 0.42 0.22 0.81 0.38 0.40 0.56

Coverage Ratio2 % 203.64 210.50 146.18 695.25 235.30 219.60 171.96 143.81 296.90 261.56 224.48 153.21

Net Charge-Off Rate - All Loans (QTR) % 0.23 0.22 0.38 2.14 0.30 0.03 0.08 0.02 0.45 0.11 0.03 0.18

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

 C&I Loans (QTR) % 0.14 0.14 0.18 0.94 0.15 0.10 0.14 -0.02 0.37 0.00 0.00 0.08

 Loans to Individuals (QTR) % 1.15 1.09 1.82 2.30 1.24 0.30 0.59 0.65 0.66 0.95 0.22 0.81

1

Nonaccruing loans and loans past due 90+ days.

2

Loss reserve as a percentage of noncurrent loans.

 Statistics At A Glance

 As of June 30, 2023

Asset Concentration Group