Dollar Amounts in Billions Other

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

Fourth Quarter 2021 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 4,839 4,231 608 12 5 1,121 2,417 293 33 357 506 95

Number of FDIC-Supervised 3,122 2,816 306 6 0 801 1,574 139 20 226 318 38

Total Assets $ 23,719 22,195 1,524 500 5,827 303 7,372 776 353 83 130 8,375

Total Loans $ 11,247 10,561 686 428 1,846 176 4,539 204 246 24 68 3,716

Domestic Deposits $ 18,189 16,898 1,291 345 3,310 260 6,214 693 301 71 113 6,882

Bank Net Income (QTR) $ 63.872 60.077 3.795 5.399 12.586 0.794 20.638 1.639 1.626 0.332 0.275 20.583

Percent Profitable (QTR) % 92.2 92.5 90.0 100.0 100.0 88.4 95.9 90.1 90.9 81.2 90.1 98.9

Average Return on Assets (QTR) % 1.09 1.09 1.02 4.42 0.86 1.06 1.14 0.87 1.90 1.61 0.86 1.00

Average Return on Equity (QTR) % 10.90 10.93 10.32 34.02 9.46 9.70 10.52 10.30 20.63 12.12 7.81 10.15

Net Interest Margin (QTR) % 2.56 2.54 2.79 10.74 1.91 3.21 2.92 1.70 3.51 2.31 3.03 2.19

Equity to Assets % 9.94 9.96 9.66 12.56 9.20 10.78 10.71 8.17 9.00 12.97 10.79 9.75

Noncurrent Loan Rate - Total Loans1 % 0.89 0.81 2.06 0.91 0.82 0.73 0.85 0.65 0.68 0.78 0.64 1.00

 Real Estate Loans % 1.29 1.15 2.80 0.81 1.46 0.72 1.03 0.72 0.32 0.83 0.66 1.90

 C&I Loans % 0.68 0.67 0.88 0.29 1.02 1.00 0.68 0.64 0.96 0.65 0.64 0.53

 Loans to Individuals % 0.64 0.62 0.79 0.98 0.52 0.36 0.43 0.07 0.78 0.42 0.38 0.57

Coverage Ratio2 % 178.82 192.43 96.39 763.75 209.81 200.81 149.62 102.48 289.43 207.31 211.75 131.60

Net Charge-Off Rate - All Loans (QTR) % 0.21 0.20 0.33 1.58 0.28 0.07 0.09 0.01 0.34 0.21 0.07 0.17

 Real Estate Loans (QTR) % 0.01 0.01 0.01 -0.03 -0.06 0.04 0.01 0.02 -0.02 0.06 0.02 0.03

 C&I Loans (QTR) % 0.13 0.13 0.12 0.59 0.24 0.26 0.13 -0.48 0.05 0.33 0.24 0.05

 Loans to Individuals (QTR) % 0.96 0.91 1.61 1.71 1.13 0.34 0.59 0.16 0.53 0.37 0.33 0.73

Fourth Quarter 2020

Number of FDIC-Insured 5,002 4,375 627 11 5 1,163 2,667 291 36 277 485 67

Number of FDIC-Supervised 3,221 2,909 312 6 0 839 1,730 135 22 159 311 19

Total Assets $ 21,869 20,491 1,378 493 5,539 288 7,591 684 145 52 106 6,972

Total Loans $ 10,864 10,204 660 386 1,760 177 5,020 165 104 14 58 3,178

Domestic Deposits $ 16,290 15,150 1,139 335 2,951 243 6,235 602 123 42 90 5,669

Bank Net Income (QTR) $ 59.462 55.854 3.608 5.625 14.219 0.816 21.592 1.481 0.817 0.338 0.272 14.301

Percent Profitable (QTR) % 92.5 93.2 88.2 100.0 100.0 91.2 94.6 89.3 91.7 82.3 91.3 95.5

Average Return on Assets (QTR) % 1.10 1.11 1.07 4.49 1.05 1.15 1.15 0.90 2.34 2.68 1.05 0.83

Average Return on Equity (QTR) % 10.79 10.79 10.85 37.30 11.64 10.04 10.22 10.52 25.24 16.72 8.76 8.33

Net Interest Margin (QTR) % 2.68 2.66 2.97 9.74 2.02 3.38 3.09 1.72 3.04 2.35 3.17 2.26

Equity to Assets % 10.17 10.20 9.74 12.61 8.95 11.37 11.22 8.40 9.21 15.79 11.81 9.90

Noncurrent Loan Rate - Total Loans1 % 1.19 1.07 2.92 1.17 1.14 1.00 1.08 1.21 0.35 1.01 0.86 1.43

 Real Estate Loans % 1.65 1.44 3.91 0.64 1.90 1.03 1.31 1.32 0.41 1.23 0.91 2.49

 C&I Loans % 0.99 0.99 0.98 0.42 1.40 0.96 0.84 1.08 0.64 0.54 0.76 1.09

 Loans to Individuals % 0.86 0.85 1.04 1.24 0.85 0.45 0.81 0.15 0.33 0.51 0.57 0.75

Coverage Ratio2 % 183.71 201.35 83.25 838.76 254.94 148.27 141.07 69.09 499.54 158.17 149.27 142.29

Net Charge-Off Rate - All Loans (QTR) % 0.42 0.41 0.45 2.78 0.54 0.18 0.24 0.06 0.45 0.17 0.09 0.37

 Real Estate Loans (QTR) % 0.07 0.07 0.02 0.02 -0.02 0.09 0.07 0.00 0.03 0.07 0.04 0.12

 C&I Loans (QTR) % 0.47 0.48 0.29 1.95 0.56 0.47 0.43 0.69 1.44 0.12 0.27 0.42

 Loans to Individuals (QTR) % 1.54 1.50 2.09 2.87 1.95 0.47 0.82 0.32 0.52 0.52 0.39 1.09

1

Nonaccruing loans and loans past due 90+ days.

2

Loss reserve as a percentage of noncurrent loans.

 Statistics At A Glance

 As of December 31, 2021

Asset Concentration Group