Dollar Amounts in Billions Other

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

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

Number of FDIC-Insured 4,587 4,026 561 10 5 1,016 2,503 326 40 225 395 67

Number of FDIC-Supervised 2,930 2,651 279 5 0 721 1,608 160 27 136 249 24

Total Assets $ 23,669 22,452 1,217 514 5,856 303 8,417 620 393 50 95 7,420

Total Loans $ 12,452 11,811 641 431 2,102 198 5,623 221 296 14 53 3,515

Domestic Deposits $ 17,345 16,363 982 392 3,178 256 6,767 506 322 42 81 5,802

Bank Net Income (QTR) $ 38.392 36.773 1.619 2.728 8.793 0.775 10.429 0.696 1.011 0.242 0.217 13.502

Percent Profitable (QTR) % 89.1 90.8 77.2 90.0 80.0 91.0 91.5 73.6 80.0 80.0 88.9 83.6

Average Return on Assets (QTR) % 0.65 0.66 0.54 2.17 0.60 1.03 0.50 0.45 1.03 1.93 0.93 0.73

Average Return on Equity (QTR) % 6.77 6.79 6.47 21.38 6.54 11.55 4.92 6.23 12.18 16.45 10.26 7.59

Net Interest Margin (QTR) % 3.28 3.27 3.32 10.84 2.98 3.37 3.30 1.51 3.63 3.18 3.34 3.07

Equity to Assets % 9.69 9.76 8.51 10.12 9.00 9.29 10.34 7.52 8.62 12.47 9.43 9.72

Noncurrent Loan Rate - Total Loans1 % 0.86 0.84 1.23 1.67 0.72 0.49 0.76 0.46 0.62 0.67 0.58 1.08

 Real Estate Loans % 1.03 1.02 1.15 1.04 0.99 0.46 0.82 0.49 0.24 0.69 0.51 1.86

 C&I Loans % 0.73 0.72 0.90 0.74 0.74 0.84 0.83 0.41 0.47 0.81 0.74 0.57

 Loans to Individuals % 1.13 1.09 1.61 1.79 1.03 0.36 0.62 0.17 0.85 0.56 0.49 1.21

Coverage Ratio2 % 203.31 203.48 201.20 424.19 258.49 265.39 173.07 139.28 311.27 232.61 218.80 168.01

Net Charge-Off Rate - All Loans (QTR) % 0.65 0.63 1.06 4.17 0.76 0.08 0.28 0.03 1.46 0.32 0.10 0.77

 Real Estate Loans (QTR) % 0.13 0.13 0.03 0.04 0.05 0.02 0.11 0.00 -0.01 0.01 0.00 0.26

 C&I Loans (QTR) % 0.45 0.45 0.47 2.60 0.51 0.28 0.45 0.08 0.95 0.36 0.26 0.29

 Loans to Individuals (QTR) % 2.77 2.67 3.94 4.43 2.74 0.65 1.52 0.44 2.22 2.44 0.63 2.77

Fourth Quarter 2022

Number of FDIC-Insured 4,706 4,127 579 10 5 1,054 2,501 320 35 300 410 71

Number of FDIC-Supervised 3,032 2,743 289 5 0 750 1,628 152 24 184 263 26

Total Assets $ 23,599 22,318 1,281 453 5,746 298 8,139 721 590 70 96 7,485

Total Loans $ 12,227 11,586 641 386 1,892 188 5,433 247 450 19 52 3,559

Domestic Deposits $ 17,725 16,644 1,082 339 3,187 258 6,652 631 494 61 84 6,020

Bank Net Income (QTR) $ 68.215 65.566 2.649 3.429 14.897 0.891 26.018 1.591 1.486 0.479 0.244 19.179

Percent Profitable (QTR) % 94.0 94.6 89.8 90.0 100.0 93.7 96.0 86.3 82.9 87.7 94.6 91.5

Average Return on Assets (QTR) % 1.16 1.18 0.83 3.13 1.03 1.20 1.29 0.87 1.02 2.72 1.02 1.02

Average Return on Equity (QTR) % 12.52 12.57 11.33 28.86 11.30 14.16 13.43 16.21 12.48 27.20 12.51 10.93

Net Interest Margin (QTR) % 3.38 3.36 3.59 10.68 2.78 3.61 3.69 2.09 3.32 3.11 3.49 3.16

Equity to Assets % 9.34 9.46 7.26 10.65 9.26 8.66 9.76 5.27 8.15 10.27 8.35 9.39

Noncurrent Loan Rate - Total Loans1 % 0.74 0.70 1.31 1.24 0.68 0.50 0.69 0.40 0.44 0.68 0.55 0.85

 Real Estate Loans % 0.90 0.86 1.44 0.77 1.10 0.50 0.74 0.43 0.10 0.68 0.55 1.51

 C&I Loans % 0.67 0.67 0.80 0.51 0.74 0.71 0.74 0.37 0.60 0.83 0.80 0.54

 Loans to Individuals % 0.85 0.82 1.17 1.33 0.67 0.34 0.68 0.12 0.85 0.59 0.48 0.83

Coverage Ratio2 % 217.32 222.34 168.59 520.12 275.64 267.19 175.62 152.57 333.71 236.69 227.62 189.08

Net Charge-Off Rate - All Loans (QTR) % 0.36 0.35 0.58 2.54 0.40 0.11 0.15 0.02 0.55 0.22 0.15 0.44

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

 C&I Loans (QTR) % 0.25 0.25 0.39 1.47 0.26 0.60 0.22 0.05 0.24 0.46 0.17 0.23

 Loans to Individuals (QTR) % 1.69 1.64 2.38 2.71 1.54 0.52 1.14 0.27 1.33 1.13 0.42 1.74

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, 2023

Asset Concentration Group