Dollar Amounts in Billions Other

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

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

Number of FDIC-Insured 5,177 4,518 659 12 6 1,291 2,732 393 58 210 428 47

Number of FDIC-Supervised 3,338 3,013 325 6 1 921 1,779 192 40 123 263 13

Total Assets $ 18,645 17,491 1,154 531 4,494 284 6,723 393 231 38 76 5,876

Total Loans $ 10,518 9,863 655 441 1,722 192 4,733 228 156 10 44 2,992

Domestic Deposits $ 13,220 12,299 921 353 2,211 236 5,268 305 192 30 64 4,560

Bank Net Income (QTR) $ 55.245 51.705 3.540 4.177 13.492 0.895 18.526 1.190 0.420 0.423 0.204 15.919

Percent Profitable (QTR) % 92.8 93.5 87.9 100.0 100.0 93.1 94.3 86.8 91.4 83.8 90.9 97.9

Average Return on Assets (QTR) % 1.20 1.20 1.24 3.17 1.20 1.27 1.13 1.22 0.74 4.49 1.07 1.09

Average Return on Equity (QTR) % 10.58 10.54 11.29 24.87 11.76 10.70 9.24 11.12 6.91 24.22 8.35 9.91

Net Interest Margin (QTR) % 3.28 3.25 3.72 10.78 2.76 3.80 3.38 2.75 4.05 2.75 3.62 2.83

Equity to Assets % 11.32 11.35 10.84 12.81 10.21 11.85 12.27 10.95 10.46 18.48 12.80 10.93

Noncurrent Loan Rate - Total Loans1 % 0.91 0.85 1.74 1.67 0.79 1.04 0.78 1.97 0.69 1.42 0.87 0.99

 Real Estate Loans % 1.12 1.04 1.98 0.98 1.22 1.00 0.80 2.16 1.43 1.52 0.93 1.69

 C&I Loans % 0.79 0.79 0.88 0.71 0.82 1.31 0.88 0.63 0.16 1.32 0.84 0.64

 Loans to Individuals % 1.02 0.98 1.52 1.77 0.95 0.51 0.80 0.45 0.52 1.32 0.53 0.78

Coverage Ratio2 % 129.73 135.73 85.57 267.58 178.94 135.53 117.54 30.74 154.59 106.18 142.98 101.42

Net Charge-Off Rate - All Loans (QTR) % 0.54 0.52 0.82 4.07 0.75 0.23 0.23 0.05 0.87 0.34 0.17 0.42

 Real Estate Loans (QTR) % 0.02 0.02 0.01 0.08 -0.01 0.10 0.03 -0.01 -0.05 0.07 0.07 0.01

 C&I Loans (QTR) % 0.42 0.42 0.70 2.39 0.51 0.69 0.41 0.43 0.16 1.53 0.37 0.28

 Loans to Individuals (QTR) % 2.41 2.31 3.53 4.25 2.74 0.80 1.27 1.28 1.21 0.61 0.68 1.87

Fourth Quarter 2018

Number of FDIC-Insured 5,406 4,715 691 12 5 1,346 2,866 401 69 227 431 49

Number of FDIC-Supervised 3,483 3,140 343 6 0 959 1,858 189 45 138 271 17

Total Assets $ 17,943 16,728 1,215 652 4,286 287 6,374 346 218 37 76 5,668

Total Loans $ 10,152 9,460 692 536 1,622 197 4,523 205 154 10 44 2,861

Domestic Deposits $ 12,613 11,645 968 384 2,071 238 4,981 272 179 29 64 4,394

Bank Net Income (QTR) $ 59.344 55.414 3.930 5.422 10.932 0.865 19.821 0.957 0.709 0.385 0.210 20.044

Percent Profitable (QTR) % 92.8 93.4 89.0 100.0 100.0 91.6 94.7 87.0 87.0 87.7 92.8 95.9

Average Return on Assets (QTR) % 1.33 1.34 1.31 3.36 1.03 1.22 1.26 1.12 1.32 3.96 1.11 1.42

Average Return on Equity (QTR) % 11.84 11.81 12.17 21.97 10.33 10.79 10.53 9.97 12.45 24.67 9.10 12.90

Net Interest Margin (QTR) % 3.48 3.45 3.93 10.77 2.63 3.88 3.62 2.96 4.34 2.81 3.80 3.08

Equity to Assets % 11.25 11.29 10.74 15.29 9.88 11.34 11.94 11.08 10.51 16.74 12.31 11.04

Noncurrent Loan Rate - Total Loans1 % 0.99 0.95 1.54 1.54 0.93 1.06 0.78 2.07 0.68 1.28 1.01 1.17

 Real Estate Loans % 1.32 1.29 1.59 2.12 1.70 1.03 0.82 2.20 1.41 1.48 1.07 2.22

 C&I Loans % 0.68 0.67 1.13 0.68 0.64 1.33 0.80 1.07 0.42 1.03 0.96 0.49

 Loans to Individuals % 1.03 0.97 1.65 1.61 0.94 0.50 0.90 0.45 0.50 0.71 0.70 0.74

Coverage Ratio2 % 124.39 126.86 103.64 281.31 137.93 132.49 126.16 31.58 153.88 127.03 124.61 88.29

Net Charge-Off Rate - All Loans (QTR) % 0.50 0.48 0.82 3.85 0.49 0.21 0.21 0.06 0.80 0.25 0.22 0.39

 Real Estate Loans (QTR) % 0.02 0.02 0.00 0.00 -0.02 0.09 0.03 0.01 -0.04 0.03 0.10 0.01

 C&I Loans (QTR) % 0.32 0.32 0.41 2.07 0.23 0.44 0.39 -0.01 0.85 0.21 0.56 0.15

 Loans to Individuals (QTR) % 2.38 2.25 3.74 4.03 2.53 0.89 1.21 1.18 1.06 0.91 0.76 1.87

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, 2019

Asset Concentration Group

See back of page for FDIC historical trends.