All FDIC-Insured Commercial Banks

Quarterly Banking Profile

Fourth Quarter 2023

INCOME DATA

Total interest income ......................................................................................... $1,091,855 $704,378 55.0 $294,584 $228,631 28.9

Total interest expense ........................................................................................ 431,711 112,004 285.4 129,471 59,223 118.6

Net interest income ....................................................................................... 660,143 592,374 11.4 165,113 169,408 -2.5

Provision for credit losses .................................................................................. 79,280 47,566 66.7 22,559 19,388 16.4

Total noninterest income ................................................................................... 294,993 280,332 5.2 64,933 61,070 6.3

Total noninterest expense ................................................................................. 560,747 507,605 10.5 159,782 127,723 25.1

Securities gains (losses) ..................................................................................... -11,021 -3,519 N/M -3,677 -1,858 N/M

Applicable income taxes .................................................................................... 56,607 63,648 -11.1 7,992 15,883 -49.7

Extraordinary gains, net ..................................................................................... 882 -264 N/M 825 -3 N/M

Net income ..................................................................................................... 247,980 249,862 -0.8 36,773 65,566 -43.9

Net charge-offs ................................................................................................... 57,427 28,547 101.2 18,450 9,982 84.8

Cash dividends ................................................................................................... 208,817 139,288 49.9 71,093 51,334 38.5

Net operating income .................................................................................... 256,497 253,404 1.2 39,069 67,323 -42.0

N/M - Not Meaningful

%Change 

22Q4-23Q4

Full Year

2023

Full Year

2022 %Change

4th Quarter

2023

4th Quarter

2022

(dollar figures in millions)

Number of institutions reporting .................................................................................... 4,026 4,049 4,127 -2.4

Total employees (full-time equivalent) .......................................................................... 1,974,360 1,994,022 2,016,527 -2.1

CONDITION DATA

Total assets ...................................................................................................................... $22,452,226 $22,200,488 $22,317,953 0.6

Loans secured by real estate ...................................................................................... 5,506,429 5,468,624 5,338,488 3.1

Commercial & industrial loans ................................................................................... 2,442,416 2,442,486 2,488,982 -1.9

Loans to individuals ................................................................................................... 1,972,812 1,939,263 1,921,498 2.7

Farm loans .................................................................................................................. 78,986 74,793 73,528 7.4

Other loans & leases ................................................................................................... 1,811,413 1,785,394 1,764,823 2.6

Less: Unearned income .............................................................................................. 1,402 2,229 1,750 -19.9

Total loans & leases .................................................................................................... 11,810,654 11,708,331 11,585,570 1.9

Less: Reserve for losses .............................................................................................. 201,884 197,598 181,145 11.4

Net loans and leases ........................................................................................................ 11,608,770 11,510,733 11,404,425 1.8

Securities ......................................................................................................................... 4,984,545 4,847,888 5,367,625 -7.1

Other real estate owned .................................................................................................. 2,741 2,755 2,470 11.0

Goodwill and other intangibles ....................................................................................... 419,809 429,693 423,258 -0.8

All other assets ................................................................................................................ 5,436,361 5,409,419 5,120,175 6.2

Total liabilities and capital ............................................................................................. 22,452,226 22,200,488 22,317,953 0.6

Noninterest-bearing deposits .................................................................................... 4,006,684 4,103,023 4,868,499 -17.7

Interest-bearing deposits ........................................................................................... 13,824,189 13,477,333 13,264,077 4.2

Other borrowed funds ................................................................................................ 1,614,554 1,627,940 1,264,247 27.7

Subordinated debt ..................................................................................................... 57,049 56,375 65,106 -12.4

All other liabilities ....................................................................................................... 756,070 788,939 742,363 1.8

Equity capital .............................................................................................................. 2,193,680 2,146,878 2,113,662 3.8

Loans and leases 30-89 days past due ............................................................................ 69,226 60,901 62,232 11.2

Noncurrent loans and leases ........................................................................................... 99,218 93,762 81,471 21.8

Restructured loans and leases ........................................................................................ 34,826 27,965 41,217 -15.5

1-4 family residential mortgages .................................................................................... 2,588,885 2,572,691 2,499,381 3.6

Mortgage-backed securities ............................................................................................ 2,582,202 2,527,844 2,777,453 -7.0

Earning assets ................................................................................................................. 20,331,530 20,036,670 20,185,129 0.7

Long-term assets (5+ years) ............................................................................................ 6,167,750 6,163,421 6,656,105 -7.3

Volatile liabilities ............................................................................................................. 3,269,580 3,204,693 2,846,336 14.9

Foreign office deposits .................................................................................................... 1,467,776 1,394,917 1,488,788 -1.4

FHLB Advances ................................................................................................................ 499,316 512,324 515,478 -3.1

Unused loan commitments ............................................................................................. 9,135,436 9,222,367 8,962,146 1.9

Off-balance-sheet derivatives ......................................................................................... 194,690,966 207,264,697 192,809,784 1.0

TABLE II-A. Aggregate Condition and Income Data, FDIC-Insured Commercial Banks

4th Quarter

2023

3rd Quarter

2023

4th Quarter

2022

%Change 

22Q4-23Q4

2023 2022 2021 2020 2019 2018 2017

Return on assets (%) ............................................................................. 1.12 1.12 1.24 0.71 1.29 1.35 0.96

Return on equity (%) ............................................................................. 11.60 11.80 12.27 6.75 11.32 11.99 8.49

Core capital (leverage) ratio ................................................................. 9.05 8.93 8.67 8.79 9.61 9.66 9.57

Noncurrent assets plus

other real estate owned to assets (%) ........................................... 0.46 0.38 0.40 0.56 0.52 0.58 0.71

Net charge-offs to loans (%) ................................................................. 0.50 0.26 0.24 0.49 0.49 0.46 0.48

Asset growth rate (%) ............................................................................ 0.60 0.53 8.35 17.15 4.57 3.15 3.78

Net interest margin (%) ........................................................................ 3.30 2.93 2.52 2.80 3.32 3.37 3.21

Net operating income growth (%) ....................................................... 1.22 -3.05 100.38 -39.29 -3.33 47.56 -2.74

Number of institutions reporting ........................................................ 4,026 4,127 4,232 4,375 4,518 4,715 4,918

Percentage of unprofitable institutions (%) ....................................... 3.75 2.98 2.62 4.02 3.30 2.97 4.72

Number of failed institutions ............................................................... 5 0 0 4 3 0 6

TABLE I-A. Selected Indicators, FDIC-Insured Commercial Banks
Quarterly Banking Profile

Fourth Quarter 2023 All FDIC-Insured Commercial Banks

FULL YEAR

(The way it is...)

Number of institutions reporting .................................. 4,026 611 2,574 698 130 13 284 476 847 1,135 970 314

Total assets (in billions) ................................................. $22,452.2 $37.9 $963.8 $2,005.5 $6,100.8 $13,344.2 $4,172.8 $4,856.8 $5,899.1 $4,166.8 $1,472.8 $1,884.0

Total deposits (in billions) ............................................. 17,830.9 31.7 819.2 1,649.9 4,914.0 10,416.1 3,326.6 3,882.1 4,523.9 3,371.9 1,211.5 1,514.9

Net income (in millions) ................................................. 247,980 357 10,284 23,582 74,962 138,795 41,497 55,875 70,694 41,291 16,665 21,959

% of unprofitable institutions ....................................... 3.8 9.3 2.9 2.2 3.1 7.7 5.6 5.3 3.0 1.9 3.4 9.6

% of institutions with earnings gains ............................ 49.4 60.7 50.0 40.0 35.4 46.2 40.5 56.1 47.3 45.8 55.2 48.4

Performance Ratios (%)

Yield on earning assets ................................................... 5.45 4.94 5.08 5.53 5.84 5.29 5.72 5.23 5.15 5.52 5.36 6.26

Cost of funding earning assets ...................................... 2.16 1.05 1.49 1.85 2.30 2.19 2.64 1.87 2.02 2.17 1.88 2.40

Net interest margin ........................................................ 3.30 3.89 3.59 3.68 3.54 3.10 3.08 3.36 3.14 3.34 3.48 3.86

Noninterest income to earning assets .......................... 1.47 1.16 0.86 1.12 1.61 1.51 1.39 1.37 1.65 1.20 0.96 2.36

Noninterest expense to earning assets ......................... 2.80 3.76 2.91 2.87 2.89 2.74 2.62 2.73 2.71 2.76 2.74 3.75

Credit loss provision to assets ....................................... 0.36 0.08 0.11 0.25 0.45 0.35 0.38 0.43 0.26 0.37 0.16 0.57

Net operating income to assets ..................................... 1.16 0.97 1.15 1.25 1.31 1.08 1.02 1.19 1.27 1.01 1.17 1.35

Pretax return on assets .................................................. 1.38 1.10 1.28 1.51 1.54 1.29 1.26 1.35 1.53 1.23 1.37 1.55

Return on assets ............................................................. 1.12 0.96 1.09 1.21 1.25 1.05 1.01 1.17 1.22 1.00 1.15 1.18

Return on equity ............................................................ 11.60 8.11 11.93 12.46 12.64 10.97 10.03 11.98 12.97 10.54 11.69 12.30

Net charge-offs to loans and leases .............................. 0.50 0.08 0.10 0.28 0.49 0.60 0.55 0.63 0.37 0.50 0.15 0.70

Loan and lease loss provision to net charge-offs ......... 137.04 187.24 166.78 128.88 144.98 133.02 135.45 131.65 153.70 137.76 167.00 123.72

Efficiency ratio ................................................................ 57.32 74.39 64.89 59.20 54.93 57.67 57.69 54.30 56.15 60.45 60.97 58.22

Condition Ratios (%)

Earning assets to total assets ........................................ 90.55 92.74 93.70 92.96 91.84 89.37 89.87 90.34 89.80 90.60 91.60 94.06

Loss allowance to:

Loans and leases ...................................................... 1.71 1.44 1.31 1.39 1.68 1.85 1.86 1.74 1.59 1.83 1.27 1.79

Noncurrent loans and leases ................................... 203.48 191.11 253.57 203.75 211.00 196.25 175.23 202.41 215.62 195.03 204.71 274.85

Noncurrent assets plus

other real estate owned to assets ........................... 0.46 0.46 0.38 0.51 0.52 0.43 0.56 0.46 0.37 0.48 0.44 0.45

Equity capital ratio ......................................................... 9.76 12.25 9.57 10.08 10.18 9.53 10.26 9.90 9.29 9.46 10.29 10.03

Core capital (leverage) ratio .......................................... 9.05 13.83 11.05 10.51 9.61 8.41 9.35 8.69 8.53 8.94 10.26 10.21

Common equity tier 1 capital ratio* .............................. 13.65 21.29 14.91 13.29 13.21 13.87 13.98 13.14 14.19 13.05 12.92 14.58

Tier 1 risk-based capital ratio* ....................................... 13.71 21.30 14.96 13.31 13.33 13.90 14.02 13.19 14.24 13.13 13.01 14.63

Total risk-based capital ratio* ....................................... 15.05 22.34 16.08 14.40 14.69 15.29 15.34 14.44 15.65 14.63 14.26 15.86

Net loans and leases to deposits ................................... 65.10 65.05 75.95 84.13 78.20 55.06 64.28 63.78 61.90 60.24 77.83 80.54

Structural Changes (YTD)

New reporters .......................................................... 6 6 0 0 0 0 1 0 2 0 0 3

Banks absorbed by mergers .................................... 100 25 52 20 3 0 11 12 27 27 20 3

Failed banks ............................................................. 5 1 1 0 3 0 1 0 0 2 0 2

PRIOR FULL YEARS

(The way it was...)

Number of institutions ....................................... 2022 4,127 666 2,632 687 130 12 295 488 874 1,161 987 322

 ................................ 2020 4,375 827 2,769 644 123 12 308 518 922 1,252 1,038 337

 ................................ 2018 4,715 1,133 2,941 518 114 9 341 572 999 1,333 1,109 361

Total assets (in billions) ...................................... 2022 $22,318.0 $41.1 $967.9 $1,945.6 $6,626.6 $12,736.7 $4,175.9 $4,560.2 $5,504.3 $4,187.9 $1,416.5 $2,473.2

 ................................ 2020 20,490.8 50.1 959.5 1,727.3 5,813.9 11,940.0 3,596.1 4,360.5 5,108.3 4,095.9 1,241.8 2,088.2

 ................................ 2018 16,728.1 67.4 954.1 1,386.0 5,499.2 8,821.4 2,915.6 3,573.3 3,942.9 3,627.3 994.2 1,675.0

Return on assets (%) ........................................... 2022 1.12 0.84 1.16 1.37 1.26 1.02 1.05 1.17 1.07 0.97 1.28 1.43

 ................................ 2020 0.71 0.89 1.20 1.14 0.72 0.60 0.61 0.61 0.84 0.48 1.10 1.00

 ................................ 2018 1.35 0.99 1.25 1.39 1.46 1.29 1.26 1.45 1.26 1.25 1.41 1.72

Net charge-offs to loans & leases (%) ................ 2022 0.26 0.06 0.06 0.16 0.23 0.32 0.29 0.35 0.19 0.27 0.07 0.30

 ................................ 2020 0.49 0.15 0.13 0.24 0.60 0.52 0.55 0.55 0.42 0.53 0.27 0.49

 ................................ 2018 0.46 0.20 0.14 0.22 0.62 0.43 0.70 0.57 0.22 0.51 0.17 0.42

Noncurrent assets plus

OREO to assets .............................................. 2022 0.38 0.50 0.34 0.49 0.39 0.36 0.48 0.37 0.33 0.39 0.34 0.33

 ................................ 2020 0.56 0.74 0.60 0.66 0.62 0.51 0.61 0.49 0.51 0.70 0.62 0.44

 ................................ 2018 0.58 0.97 0.74 0.66 0.55 0.57 0.60 0.58 0.54 0.68 0.61 0.41

Equity capital ratio (%) ....................................... 2022 9.46 11.46 8.85 9.54 9.64 9.39 9.78 9.73 9.21 9.23 9.61 9.29

 ................................ 2020 10.20 12.88 10.93 10.80 10.97 9.67 10.34 10.81 9.54 9.82 11.31 10.38

 ................................ 2018 11.29 12.90 11.20 11.84 12.43 10.49 12.61 12.12 10.30 10.21 11.97 11.51

San Francisco - Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming

Regions:

New York - Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Puerto Rico Rhode Island, Vermont, U.S. Virgin Islands

Atlanta - Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia

Chicago - Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin

Kansas City - Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota

Dallas - Arkansas, Colorado, Louisiana, Mississippi, New Mexico, Oklahoma, Tennessee, Texas

* Beginning March 2020, does not include institutions that have a Community Bank Leverage Ratio election in effect at the report date.

TABLE III-A. Full Year 2023, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

$10 Billion

to

$250 Billion

Greater

Than $250

Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco
All FDIC-Insured Commercial Banks

Quarterly Banking Profile

Fourth Quarter 2023

FOURTH QUARTER

(The way it is...)

Number of institutions reporting .................................. 4,026 611 2,574 698 130 13 284 476 847 1,135 970 314

Total assets (in billions) ................................................. $22,452.2 $37.9 $963.8 $2,005.5 $6,100.8 $13,344.2 $4,172.8 $4,856.8 $5,899.1 $4,166.8 $1,472.8 $1,884.0

Total deposits (in billions) ............................................. 17,830.9 31.7 819.2 1,649.9 4,914.0 10,416.1 3,326.6 3,882.1 4,523.9 3,371.9 1,211.5 1,514.9

Net income (in millions) ................................................. 36,773 70 2,287 5,307 12,446 16,663 7,114 3,072 13,040 5,144 3,223 5,180

% of unprofitable institutions ....................................... 9.2 19.2 7.6 6.6 8.5 15.4 10.6 9.2 7.2 8.3 10.1 14.0

% of institutions with earnings gains ............................ 33.4 38.0 35.2 25.9 19.2 15.4 24.3 34.9 31.8 34.6 37.5 26.8

Performance Ratios (annualized, %)

Yield on earning assets ................................................... 5.84 5.46 5.44 5.90 6.20 5.69 6.11 5.62 5.56 5.89 5.69 6.63

Cost of funding earning assets ...................................... 2.57 1.39 1.86 2.26 2.71 2.60 3.09 2.32 2.41 2.57 2.27 2.76

Net interest margin ........................................................ 3.27 4.07 3.57 3.64 3.49 3.09 3.02 3.30 3.16 3.32 3.41 3.87

Noninterest income to earning assets .......................... 1.29 1.23 0.84 1.08 1.37 1.32 1.36 1.01 1.42 1.01 0.81 2.37

Noninterest expense to earning assets ......................... 3.17 4.20 3.00 2.91 3.11 3.24 2.92 3.40 2.99 3.18 2.87 3.85

Credit loss provision to assets ....................................... 0.40 0.11 0.15 0.28 0.51 0.40 0.50 0.44 0.24 0.48 0.16 0.64

Net operating income to assets ..................................... 0.70 0.78 1.01 1.13 0.88 0.53 0.67 0.29 0.95 0.52 0.92 1.25

Pretax return on assets .................................................. 0.80 0.88 1.11 1.32 1.01 0.61 0.82 0.35 1.10 0.54 0.99 1.43

Return on assets ............................................................. 0.66 0.75 0.96 1.07 0.82 0.50 0.69 0.26 0.89 0.50 0.88 1.10

Return on equity ............................................................ 6.79 6.23 10.35 10.88 8.22 5.24 6.75 2.60 9.48 5.24 8.84 11.22

Net charge-offs to loans and leases .............................. 0.63 0.11 0.14 0.35 0.63 0.75 0.71 0.76 0.46 0.66 0.19 0.88

Loan and lease loss provision to net charge-offs ......... 119.75 174.99 156.47 114.25 129.16 114.36 136.32 114.32 115.99 115.18 140.40 112.53

Efficiency ratio ................................................................ 66.18 79.05 66.89 61.19 63.19 68.46 66.02 65.25 64.75 73.04 66.84 60.72

Structural Changes (QTR)

New reporters .......................................................... 1 1 0 0 0 0 0 0 0 0 0 1

Banks absorbed by mergers .................................... 20 4 13 3 0 0 4 0 2 9 4 1

Failed banks ............................................................. 1 1 0 0 0 0 0 0 0 1 0 0

PRIOR FOURTH QUARTERS

(The way it was...)

Return on assets (%) ........................................... 2022 1.18 0.81 1.24 1.41 1.22 1.11 1.10 1.31 1.23 0.94 1.39 1.23

 ................................ 2020 1.11 0.66 1.16 1.31 1.38 0.94 0.87 1.10 1.22 0.88 1.26 1.62

 ................................ 2018 1.34 0.87 1.24 1.40 1.50 1.24 1.31 1.47 1.18 1.19 1.40 1.75

Net charge-offs to loans & leases (%) ................ 2022 0.35 0.10 0.11 0.23 0.30 0.44 0.37 0.47 0.25 0.35 0.09 0.45

 ................................ 2020 0.41 0.17 0.16 0.27 0.49 0.43 0.48 0.41 0.38 0.43 0.25 0.45

 ................................ 2018 0.48 0.27 0.21 0.25 0.65 0.44 0.69 0.59 0.24 0.52 0.23 0.46

TABLE IV-A. Fourth Quarter 2023, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

$10 Billion

to

$250 Billion

Greater

Than $250

Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco
Quarterly Banking Profile

Fourth Quarter 2023 All FDIC-Insured Commercial Banks

December 31, 2023

Percent of Loans 30-89 Days Past Due

All loans secured by real estate ...................................... 0.43 0.93 0.46 0.31 0.45 0.46 0.50 0.47 0.37 0.51 0.41 0.32

Construction and development ............................... 0.36 1.14 0.46 0.31 0.32 0.44 0.48 0.23 0.27 0.43 0.31 0.56

Nonfarm nonresidential ........................................... 0.25 0.85 0.32 0.20 0.23 0.28 0.27 0.26 0.22 0.29 0.22 0.20

Multifamily residential real estate ........................... 0.25 0.16 0.22 0.21 0.23 0.30 0.32 0.04 0.25 0.50 0.27 0.06

Home equity loans .................................................... 0.61 0.45 0.49 0.49 0.71 0.58 0.63 0.53 0.71 0.61 0.61 0.46

Other 1-4 Family residential ..................................... 0.62 1.30 0.73 0.53 0.73 0.56 0.74 0.70 0.45 0.69 0.75 0.49

Commercial and industrial loans ................................... 0.33 1.17 0.59 0.62 0.28 0.29 0.17 0.29 0.40 0.26 0.40 0.70

Loans to individuals ........................................................ 1.69 1.95 1.36 2.04 1.58 1.73 1.54 2.32 1.03 1.53 1.93 1.93

Credit card loans ....................................................... 1.57 4.05 4.38 3.80 1.47 1.55 1.95 2.00 1.13 1.39 0.58 1.22

Other loans to individuals ........................................ 1.81 1.94 1.27 1.61 1.66 2.01 1.16 2.66 0.92 1.89 2.06 2.34

All other loans and leases (including farm) ................... 0.22 0.34 0.33 0.43 0.22 0.20 0.27 0.14 0.30 0.16 0.23 0.15

Total loans and leases .................................................... 0.59 0.95 0.51 0.47 0.59 0.62 0.59 0.73 0.46 0.54 0.44 0.77

Memo: Nonfarm nonres loans not secured by RE ........ 0.15 0.05 0.65 0.08 0.11 0.16 0.11 0.02 0.40 0.02 0.25 0.11

Percent of Loans Noncurrent*

All real estate loans ......................................................... 1.02 0.74 0.47 0.53 0.86 1.56 1.24 1.09 0.96 1.44 0.58 0.52

Construction and development ............................... 0.49 0.44 0.41 0.48 0.34 0.82 1.05 0.36 0.57 0.30 0.25 0.56

Nonfarm nonresidential ........................................... 1.18 0.95 0.51 0.50 0.92 2.87 1.48 1.51 0.88 2.24 0.51 0.52

Multifamily residential real estate ........................... 0.32 0.44 0.19 0.36 0.38 0.26 0.60 0.26 0.18 0.43 0.12 0.14

Home equity loans .................................................... 1.77 0.47 0.40 0.47 1.15 2.85 1.62 1.25 2.26 3.73 0.80 0.49

Other 1-4 Family residential ..................................... 1.12 0.74 0.46 0.66 1.08 1.33 1.27 1.01 1.13 1.38 0.95 0.63

Commercial and industrial loans ................................... 0.72 1.11 0.81 1.16 0.84 0.57 1.00 0.59 0.77 0.48 0.82 0.88

Loans to individuals ........................................................ 1.09 0.69 0.44 1.35 0.98 1.15 1.25 1.33 0.70 1.19 1.02 0.97

Credit card loans ....................................................... 1.64 1.76 1.99 4.17 1.60 1.59 2.06 2.07 1.10 1.48 0.45 1.40

Other loans to individuals ........................................ 0.53 0.68 0.39 0.66 0.57 0.48 0.52 0.56 0.27 0.44 1.08 0.72

All other loans and leases (including farm) ................... 0.19 0.56 0.52 0.47 0.16 0.18 0.36 0.10 0.20 0.15 0.28 0.13

Total loans and leases .................................................... 0.84 0.76 0.52 0.68 0.80 0.94 1.06 0.86 0.74 0.94 0.62 0.65

Memo: Nonfarm nonres loans not secured by RE ........ 0.31 0.32 0.23 0.16 0.28 0.32 0.23 0.14 0.79 0.09 0.05 0.03

Percent of Loans Charged-Off (net, YTD)

All real estate loans ......................................................... 0.08 0.01 0.01 0.03 0.08 0.12 0.12 0.11 0.06 0.07 0.02 0.06

Construction and development ............................... 0.04 0.00 0.02 0.02 0.06 0.05 0.07 0.00 0.07 0.01 0.00 0.17

Nonfarm nonresidential ........................................... 0.22 0.02 0.02 0.05 0.18 0.59 0.30 0.35 0.19 0.28 0.05 0.10

Multifamily residential real estate ........................... 0.05 -0.01 0.02 0.02 0.07 0.04 0.11 0.02 0.05 0.00 0.01 0.01

Home equity loans .................................................... -0.06 0.01 0.00 0.01 -0.02 -0.14 -0.03 -0.12 -0.09 -0.08 -0.01 0.02

Other 1-4 Family residential ..................................... 0.00 0.02 0.01 0.00 0.00 0.01 -0.01 0.00 0.02 0.00 0.00 0.01

Commercial and industrial loans ................................... 0.35 0.21 0.35 0.36 0.49 0.27 0.24 0.35 0.36 0.18 0.42 0.86

Loans to individuals ........................................................ 2.21 0.52 0.80 2.98 1.97 2.32 2.41 2.41 1.55 2.72 1.15 2.12

Credit card loans ....................................................... 3.46 13.80 4.55 9.27 3.41 3.33 4.21 3.81 2.55 3.38 1.70 3.38

Other loans to individuals ........................................ 1.02 0.42 0.68 1.52 1.06 0.94 0.91 1.09 0.60 1.20 1.11 1.42

All other loans and leases (including farm) ................... 0.12 0.04 0.17 0.17 0.08 0.14 0.08 0.16 0.14 0.10 0.18 0.08

Total loans and leases .................................................... 0.50 0.08 0.10 0.28 0.49 0.60 0.55 0.63 0.37 0.50 0.15 0.70

Memo: Nonfarm nonres loans not secured by RE ........ 0.01 0.03 -0.07 -0.07 0.05 0.00 0.04 0.00 0.00 0.03 -0.04 0.00

Loans Outstanding (in billions)

All real estate loans ......................................................... $5,506.4 $13.6 $483.7 $1,026.8 $1,965.9 $2,016.5 $1,039.8 $1,002.2 $1,292.9 $898.0 $673.9 $599.6

Construction and development ............................... 473.3 1.0 53.4 120.8 200.9 97.2 73.5 76.1 85.7 71.3 121.0 45.8

Nonfarm nonresidential ........................................... 1,719.2 3.2 186.6 461.3 695.4 372.8 337.7 335.5 297.1 222.8 286.7 239.5

Multifamily residential real estate ........................... 563.1 0.3 27.9 109.4 232.3 193.2 159.5 54.6 172.5 62.8 38.1 75.7

Home equity loans .................................................... 255.6 0.2 13.7 34.1 95.2 112.4 66.0 57.6 64.2 27.2 20.4 20.3

Other 1-4 Family residential ..................................... 2,333.3 5.7 150.0 261.6 724.9 1,191.1 397.7 463.6 647.1 431.9 184.1 208.8

Commercial and industrial loans ................................... 2,442.4 2.7 80.6 229.1 798.4 1,331.7 396.5 635.2 592.4 433.0 186.6 198.8

Loans to individuals ........................................................ 1,972.8 1.5 25.6 85.6 681.4 1,178.7 394.0 489.1 426.4 317.0 30.8 315.6

Credit card loans ....................................................... 1,006.8 0.0 0.8 16.8 276.2 713.0 187.3 250.8 219.6 228.8 2.7 117.6

Other loans to individuals ........................................ 966.0 1.5 24.8 68.8 405.2 465.7 206.7 238.3 206.8 88.2 28.1 198.0

All other loans and leases (including farm) ................... 1,890.4 3.1 41.0 66.5 463.5 1,316.2 348.9 393.5 533.9 421.1 64.0 129.0

Total loans and leases .................................................... 11,812.1 20.9 630.8 1,408.1 3,909.2 5,843.1 2,179.2 2,520.0 2,845.6 2,069.1 955.3 1,242.9

Memo: Nonfarm nonres loans not secured by RE ........ 205.7 0.1 1.9 5.9 51.4 146.5 32.4 65.6 53.7 35.3 6.5 12.3

Memo: Other Real Estate Owned (in millions)

All other real estate owned ............................................. $2,740.8 $16.1 $347.4 $565.1 $747.6 $1,064.6 $360.1 $600.9 $539.2 $532.7 $509.5 $198.4

Construction and development ............................... 399.6 2.9 111.3 148.6 98.2 38.6 37.4 44.6 21.0 100.0 170.8 25.8

Nonfarm nonresidential ........................................... 1,527.2 7.2 150.4 304.9 347.3 717.4 119.6 427.7 282.7 355.1 239.2 103.0

Multifamily residential real estate ........................... 36.5 0.2 10.5 10.7 14.4 0.7 4.7 0.0 5.5 6.6 12.0 7.8

1-4 Family residential ............................................... 711.7 5.6 52.1 79.7 272.3 301.9 198.5 127.1 226.9 53.6 61.5 44.2

Farmland ................................................................... 59.8 0.1 23.1 21.2 15.3 0.0 0.0 1.5 3.1 11.5 26.1 17.7

Other real estate owned in foreign offices .............. 6.0 0.0 0.0 0.0 0.0 6.0 0.0 0.0 0.0 6.0 0.0 0.0

* Noncurrent loan rates represent the percentage of loans in each category that are past due 90 days or more or that are in nonaccrual status.

TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

$10 Billion

to

$250 Billion

Greater

Than $250

Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco
All FDIC-Insured Savings Institutions

Quarterly Banking Profile

Fourth Quarter 2023

2023 2022 2021 2020 2019 2018 2017

Return on assets (%) ............................................................................. 0.73 0.99 1.11 0.85 1.34 1.27 1.10

Return on equity (%) ............................................................................. 9.35 12.24 11.30 8.34 12.30 11.74 10.14

Core capital (leverage) ratio (%) .......................................................... 10.72 9.76 9.69 9.25 10.27 10.29 10.35

Noncurrent assets plus

other real estate owned to assets (%) ........................................... 0.66 0.67 0.94 1.41 1.02 0.91 0.99

Net charge-offs to loans (%) ................................................................. 0.89 0.48 0.40 0.66 0.91 0.81 0.77

Asset growth rate (%) ............................................................................ -5.00 -15.69 10.22 19.41 -5.02 1.45 3.96

Net interest margin ............................................................................... 3.29 3.28 2.78 3.09 3.87 3.85 3.82

Net operating income growth (%) ....................................................... -29.94 -14.33 52.27 -31.26 -0.28 19.73 -9.27

Number of institutions reporting ........................................................ 561 579 607 627 659 691 752

Percentage of unprofitable institutions (%) ....................................... 15.69 7.60 6.43 9.41 6.68 6.80 11.44

Number of failed institutions ............................................................... 0 0 0 0 1 0 2

TABLE I-B. Selected Indicators, FDIC-Insured Savings Institutions

(dollar figures in millions)

Number of institutions reporting .................................................................................... 561 565 579 -3.1

Total employees (full-time equivalent) .......................................................................... 104,368 104,476 108,648 -3.9

CONDITION DATA

Total assets ...................................................................................................................... $1,216,577 $1,208,427 $1,280,557 -5.0

Loans secured by real estate ...................................................................................... 423,267 421,048 428,170 -1.2

1-4 family residential .............................................................................................. 247,623 245,924 253,139 -2.2

Multifamily residential property ............................................................................ 48,488 48,290 48,496 0.0

Nonfarm nonresidential ......................................................................................... 98,822 98,470 99,284 -0.5

Construction, development, and land ................................................................... 28,230 28,264 27,159 3.9

Commercial & industrial loans ........................................................................................ 39,910 44,604 43,569 -8.4

Loans to individuals ........................................................................................................ 162,805 157,027 149,077 9.2

Other loans & leases ........................................................................................................ 15,398 13,628 20,567 -25.1

Less: Unearned income & contra accounts .................................................................... 164 253 204 -19.5

Total loans & leases ......................................................................................................... 641,215 636,054 641,179 0.0

Less: Reserve for losses ................................................................................................... 15,921 15,494 14,165 12.4

Net loans & leases ........................................................................................................... 625,294 620,560 627,014 -0.3

Securities ......................................................................................................................... 450,366 455,910 516,219 -12.8

Other real estate owned .................................................................................................. 127 136 123 2.9

Goodwill and other intangibles ....................................................................................... 5,822 6,490 6,807 -14.5

All other assets ................................................................................................................ 134,968 125,330 130,394 3.5

Total liabilities and capital ............................................................................................. 1,216,577 1,208,427 1,280,557 -5.0

Deposits ...................................................................................................................... 982,425 973,164 1,081,971 -9.2

Other borrowed funds ................................................................................................ 109,706 117,062 87,651 25.2

Subordinated debt ..................................................................................................... 832 832 81 921.2

All other liabilities ....................................................................................................... 20,079 19,293 17,797 12.8

Equity capital .............................................................................................................. 103,535 98,077 93,057 11.3

Loans and leases 30-89 days past due ............................................................................ 6,711 5,911 5,690 18.0

Noncurrent loans and leases ........................................................................................... 7,913 7,756 8,402 -5.8

Restructured loans and leases ........................................................................................ 1,658 1,376 2,844 -41.7

Mortgage-backed securities ............................................................................................ 339,276 342,311 372,727 -9.0

Earning assets ................................................................................................................. 1,152,523 1,141,912 1,214,831 -5.1

FHLB Advances ................................................................................................................ 84,976 90,318 72,097 17.9

Unused loan commitments ............................................................................................. 606,893 606,717 607,342 -0.1

TABLE II-B. Aggregate Condition and Income Data, FDIC-Insured Savings Institutions

4th Quarter

2023

3rd Quarter

2023

4th Quarter

2022

%Change 

22Q4-23Q4

INCOME DATA

Total interest income ......................................................................................... $58,192 $46,515 25.1 $15,386 $13,619 13.0

Total interest expense ........................................................................................ 20,117 5,575 260.9 5,901 2,716 117.3

Net interest income ....................................................................................... 38,075 40,940 -7.0 9,485 10,903 -13.0

Provision for credit losses .................................................................................. 7,043 4,063 73.4 2,117 1,415 49.6

Total noninterest income ................................................................................... 10,386 10,524 -1.3 2,669 1,870 42.7

Total noninterest expense ................................................................................. 29,516 30,450 -3.1 7,777 8,189 -5.0

Securities gains (losses) ..................................................................................... -467 -384 N/M -170 116 -247.2

Applicable income taxes .................................................................................... 2,524 3,627 -30.4 463 659 -29.8

Extraordinary gains, net ..................................................................................... -4 31 -112.8 0 31 -100.1

Net income ..................................................................................................... 8,878 12,957 -31.5 1,619 2,649 -38.9

Net charge-offs ................................................................................................... 5,490 2,908 88.8 1,686 909 85.6

Cash dividends ................................................................................................... 4,262 13,074 -67.4 1,147 5,831 -80.3

Net operating income .................................................................................... 9,290 13,260 -29.9 1,772 2,536 -30.1

N/M - Not Meaningful

%Change 

22Q4-23Q4

Full Year

2023

Full Year

2022 %Change

4th Quarter

2023

4th Quarter

2022
Quarterly Banking Profile

Fourth Quarter 2023 All FDIC-Insured Savings Institutions

FULL YEAR

(The way it is...)

Number of institutions reporting ................................. 561 88 325 133 15 256 43 132 36 65 29

Total assets (in billions) ................................................ $1,216.6 $5.1 $132.7 $331.3 $747.5 $367.4 $14.4 $75.2 $58.6 $529.2 $171.8

Total deposits (in billions) ............................................ 982.4 3.8 105.3 257.7 615.7 289.2 11.7 53.7 49.6 441.5 136.7

Net income (in millions) ............................................... 8,878.3 27.0 1,438.7 2,158.9 5,253.7 2,465.5 90.3 1,137.8 773.6 1,663.8 2,747.4

% of unprofitable institutions ...................................... 15.7 31.8 16.0 5.3 6.7 11.3 23.3 22.0 11.1 18.5 13.8

% of institutions with earnings gains ........................... 35.3 43.2 35.7 28.6 40.0 33.6 37.2 39.4 38.9 33.9 27.6

Performance Ratios (%)

Yield on earning assets ................................................. 5.03 4.51 4.51 4.60 5.30 4.56 4.76 4.65 4.66 3.28 12.45

Cost of funding earning assets ..................................... 1.74 1.31 1.46 1.76 1.78 1.63 1.56 2.18 1.27 1.47 2.92

Net interest margin ....................................................... 3.29 3.20 3.05 2.84 3.52 2.93 3.20 2.48 3.39 1.82 9.53

Noninterest income to earning assets ......................... 0.90 5.07 3.73 0.78 0.45 0.78 1.21 5.30 0.67 0.49 0.66

Noninterest expense to earning assets ........................ 2.55 7.30 5.18 2.56 2.08 2.69 3.47 5.56 1.66 1.74 3.96

Credit loss provision to assets ...................................... 0.58 0.08 0.06 0.09 0.88 0.08 0.00 0.08 0.16 0.13 3.62

Net operating income to assets ................................... 0.76 0.60 1.13 0.72 0.71 0.68 0.68 1.56 1.64 0.33 1.74

Pretax return on assets ................................................. 0.93 0.75 1.41 0.83 0.90 0.88 0.81 1.97 1.77 0.37 2.24

Return on assets ............................................................ 0.73 0.54 1.11 0.66 0.69 0.68 0.64 1.55 1.35 0.30 1.70

Return on equity ........................................................... 9.35 2.88 9.24 6.53 11.56 6.55 5.03 13.16 18.46 6.53 15.98

Net charge-offs to loans and leases ............................. 0.89 0.08 0.05 0.10 1.74 0.08 0.02 0.06 0.33 0.48 3.51

Loan and lease loss provision to net charge-offs ........ 128.38 157.55 159.54 126.22 128.17 150.22 110.55 175.49 113.63 112.24 129.73

Efficiency ratio .............................................................. 60.36 88.11 76.14 70.27 51.72 72.11 78.42 71.20 40.80 75.34 37.66

Condition Ratios (%)

Earning assets to total assets ....................................... 94.73 92.87 93.30 93.36 95.61 93.05 92.40 92.89 96.04 96.15 94.55

Loss allowance to:

Loans and leases ..................................................... 2.48 0.97 1.00 0.93 4.11 0.91 1.03 0.81 1.01 1.44 7.71

Noncurrent loans and leases .................................. 201.20 100.23 164.19 192.97 206.61 189.99 148.01 212.58 249.82 55.93 415.21

Noncurrent assets plus

other real estate owned to assets .......................... 0.66 0.64 0.46 0.36 0.83 0.38 0.43 0.30 0.19 0.70 1.49

Noncurrent RE loans to RE loans .................................. 1.15 0.99 0.58 0.42 2.61 0.45 0.71 0.40 0.37 4.22 0.73

Equity capital ratio ........................................................ 8.51 18.64 12.18 10.45 6.93 10.73 12.87 11.82 7.89 5.81 10.46

Core capital (leverage) ratio ......................................... 10.72 19.45 13.26 11.16 10.03 11.18 13.98 12.33 9.65 9.96 11.57

Common equity tier 1 capital ratio* ............................ 19.00 33.52 19.25 14.80 20.88 14.39 20.09 16.83 21.08 27.77 13.82

Tier 1 risk-based capital ratio* ..................................... 19.07 33.52 19.25 14.89 20.96 14.39 20.09 17.16 21.18 27.93 13.82

Total risk-based capital ratio* ...................................... 20.10 34.51 20.33 15.81 22.03 15.32 21.05 18.20 21.78 28.57 15.62

Gross real estate assets to gross assets ....................... 61.87 66.66 71.92 70.85 56.14 73.51 71.21 72.24 69.51 64.67 22.61

Gross 1-4 family mortgages to gross assets ................. 20.09 46.78 39.14 31.80 11.42 31.26 36.75 47.82 28.21 11.06 8.28

Net loans and leases to deposits .................................. 63.65 85.28 87.05 90.17 48.41 93.14 73.34 103.38 49.91 31.82 92.64

Structural Changes (YTD)

New reporters .......................................................... 0 0 0 0 0 0 0 0 0 0 0

Thrifts absorbed by mergers .................................. 7 4 2 1 0 1 2 3 0 1 0

Failed thrifts ............................................................ 0 0 0 0 0 0 0 0 0 0 0

PRIOR FULL YEARS

(The way it was...)

Number of institutions ....................................... 2022 579 95 332 136 16 263 46 137 37 66 30

 ................................ 2020 627 119 360 132 16 285 52 147 40 69 34

 ................................ 2018 691 145 412 120 14 318 54 164 46 73 36

Total assets (in billions) ..................................... 2022 $1,280.6 $5.2 $130.1 $331.7 $813.7 $370.2 $54.0 $71.0 $55.3 $576.3 $153.6

 ................................ 2020 1,377.9 7.0 141.9 342.5 886.5 418.9 124.7 97.4 38.2 550.9 147.9

 ................................ 2018 1,214.9 8.5 154.5 348.8 703.1 446.4 103.7 99.7 43.5 138.9 382.6

Return on assets (%) .......................................... 2022 0.99 0.87 1.32 0.89 0.98 0.76 -0.48 2.19 1.17 0.76 2.46

 ................................ 2020 0.85 0.52 1.25 0.95 0.73 0.77 -0.23 2.03 1.19 0.68 1.48

 ................................ 2018 1.27 1.14 1.07 1.07 1.41 0.91 0.93 1.29 1.07 1.28 1.82

Net charge-offs to loans & leases (%) .............. 2022 0.48 0.04 0.04 0.07 0.89 0.06 -0.01 -0.01 0.20 0.23 2.14

 ................................ 2020 0.66 0.03 0.05 0.08 1.25 0.06 0.08 0.05 0.15 0.54 3.28

 ................................ 2018 0.81 0.05 0.24 0.10 1.61 0.07 -0.07 0.41 0.25 0.81 3.66

Noncurrent assets plus

OREO to assets (%) ....................................... 2022 0.67 0.59 0.38 0.36 0.84 0.37 2.28 0.32 0.17 0.68 1.10

 ................................ 2020 1.41 0.74 0.59 0.62 1.86 0.54 2.54 0.90 0.25 2.12 0.93

 ................................ 2018 0.91 1.01 0.66 0.54 1.15 0.46 3.15 0.79 0.57 1.84 0.56

Equity capital ratio (%) ...................................... 2022 7.26 19.63 11.92 10.31 5.20 10.54 9.91 11.92 7.08 3.44 10.70

 ................................ 2020 9.74 17.40 13.55 11.68 8.33 11.77 9.69 11.86 11.57 7.29 11.31

 ................................ 2018 10.74 18.90 13.36 12.21 9.34 12.00 10.36 12.27 12.23 10.65 8.84

* Beginning March 2020, does not include institutions that have a Community Bank Leverage Ratio election in effect at the report date.

TABLE III-A. Full Year 2023, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

Greater

Than

$10 Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco
All FDIC-Insured Savings Institutions

Quarterly Banking Profile

Fourth Quarter 2023

FOURTH QUARTER

(The way it is...)

Number of institutions reporting ................................. 561 88 325 133 15 256 43 132 36 65 29

Total assets (in billions) ................................................ $1,216.6 $5.1 $132.7 $331.3 $747.5 $367.4 $14.4 $75.2 $58.6 $529.2 $171.8

Total deposits (in billions) ............................................ 982.4 3.8 105.3 257.7 615.7 289.2 11.7 53.7 49.6 441.5 136.7

Net income (in millions) ............................................... 1,618.6 3.5 359.1 482.6 773.5 554.0 13.4 286.9 215.3 -31.1 580.2

% of unprofitable institutions ...................................... 22.8 44.3 22.5 11.3 6.7 18.0 44.2 28.0 19.4 21.5 17.2

% of institutions with earnings gains ........................... 21.9 25.0 23.4 16.5 20.0 15.2 23.3 31.1 30.6 23.1 24.1

Performance Ratios (annualized, %)

Yield on earning assets ................................................. 5.38 4.77 4.77 4.85 5.72 4.81 5.06 5.00 4.88 3.44 13.15

Cost of funding earning assets ..................................... 2.06 1.68 1.84 2.13 2.08 2.02 1.89 2.61 1.42 1.69 3.33

Net interest margin ....................................................... 3.32 3.09 2.94 2.72 3.64 2.79 3.17 2.38 3.46 1.75 9.82

Noninterest income to earning assets ......................... 0.93 5.02 3.92 0.69 0.49 0.79 1.00 5.34 0.47 0.52 0.77

Noninterest expense to earning assets ........................ 2.72 7.65 5.29 2.55 2.31 2.73 3.55 5.56 1.66 1.97 4.14

Credit loss provision to assets ...................................... 0.70 0.08 0.05 0.07 1.10 0.07 0.02 0.03 0.15 0.19 4.20

Net operating income to assets ................................... 0.59 0.22 1.12 0.61 0.48 0.56 0.45 1.55 1.54 0.07 1.50

Pretax return on assets ................................................. 0.69 0.41 1.39 0.71 0.56 0.78 0.47 1.95 1.95 -0.03 1.76

Return on assets ............................................................ 0.54 0.27 1.09 0.59 0.42 0.61 0.38 1.52 1.48 -0.02 1.38

Return on equity ........................................................... 6.47 1.47 9.08 5.74 6.23 5.78 2.95 13.08 20.03 -0.43 13.12

Net charge-offs to loans and leases ............................. 1.06 0.03 0.07 0.13 2.07 0.10 0.01 0.02 0.39 0.60 4.10

Loan and lease loss provision to net charge-offs ........ 125.72 424.27 102.56 73.90 128.39 86.14 657.75 203.81 90.81 123.24 128.39

Efficiency ratio .............................................................. 63.44 94.16 76.95 74.27 55.27 75.84 84.65 71.83 42.03 86.85 37.96

Structural Changes (QTR)

New reporters .......................................................... 0 0 0 0 0 0 0 0 0 0 0

Thrifts absorbed by mergers .................................. 3 1 1 1 0 0 1 2 0 0 0

Failed thrifts ............................................................ 0 0 0 0 0 0 0 0 0 0 0

PRIOR FOURTH QUARTERS

(The way it was...)

Return on assets (%) .......................................... 2022 0.83 0.51 1.60 1.12 0.59 1.11 -5.39 2.18 1.45 0.70 1.97

 ................................ 2020 1.07 0.56 1.61 1.24 0.92 1.09 0.33 2.59 1.20 0.54 2.44

 ................................ 2018 1.31 0.88 1.22 0.99 1.49 0.87 0.88 1.59 1.02 0.90 2.06

Net charge-offs to loans & leases (%) ................ 2022 0.58 0.03 0.07 0.07 1.08 0.06 0.00 0.00 0.32 0.28 2.52

 ................................ 2020 0.45 0.04 0.07 0.08 0.81 0.07 0.07 -0.01 0.10 0.28 2.26

 ................................ 2018 0.82 0.07 0.10 0.07 1.70 0.06 -0.02 0.16 0.11 0.88 3.70

TABLE IV-B. Fourth Quarter 2023, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

Greater

Than

$10 Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco
Quarterly Banking Profile

Fourth Quarter 2023 All FDIC-Insured Savings Institutions

December 31, 2023

Percent of Loans 30-89 Days Past Due

All loans secured by real estate .................................... 0.86 1.50 0.49 0.25 2.00 0.29 0.67 0.34 0.32 3.39 0.20

Construction, development, and land ................... 0.28 0.19 0.61 0.30 0.02 0.31 0.21 0.56 0.09 0.38 0.06

Nonfarm nonresidential ......................................... 0.22 0.90 0.32 0.15 0.27 0.21 0.21 0.31 0.05 0.37 0.08

Multifamily residential real estate .......................... 0.13 0.00 0.41 0.09 0.08 0.14 0.09 0.05 0.41 0.34 0.03

Home equity loans .................................................. 0.51 0.50 0.78 0.51 0.35 0.61 0.80 0.32 0.58 0.64 0.16

Other 1-4 Family residential ................................... 1.38 1.79 0.54 0.32 3.18 0.37 0.91 0.39 0.38 4.41 0.37

Commercial and industrial loans ................................. 0.49 1.10 0.78 0.33 0.58 0.30 0.43 1.02 0.46 0.41 1.44

Loans to individuals ...................................................... 1.74 1.61 1.43 1.00 1.78 1.09 2.18 0.73 1.13 0.52 2.47

Credit card loans ..................................................... 2.25 0.00 0.32 2.51 2.25 2.17 1.11 1.27 4.73 0.78 2.51

Other loans to individuals ....................................... 0.67 1.61 1.43 0.79 0.61 1.06 2.20 0.54 0.49 0.39 1.92

Total loans and leases .................................................. 1.05 1.48 0.53 0.29 1.77 0.32 0.68 0.41 0.39 2.04 1.87

Percent of Loans Noncurrent*

All real estate loans ....................................................... 1.15 0.99 0.58 0.42 2.61 0.45 0.71 0.40 0.37 4.22 0.73

Construction, development, and land ................... 0.69 0.68 0.54 0.35 1.49 0.68 0.25 0.18 0.57 0.79 0.92

Nonfarm nonresidential ......................................... 0.47 0.96 0.70 0.46 0.34 0.51 0.28 0.55 0.52 0.25 0.41

Multifamily residential real estate .......................... 0.32 0.59 0.20 0.22 0.63 0.32 0.14 0.05 0.03 0.03 0.76

Home equity loans .................................................. 0.63 1.84 1.32 0.49 0.42 0.53 0.31 0.35 0.27 0.62 2.37

Other 1-4 Family residential ................................... 1.70 1.01 0.55 0.47 3.93 0.42 0.95 0.46 0.36 5.53 0.66

Commercial and industrial loans ................................. 0.90 0.91 1.25 0.97 0.71 0.80 0.40 0.42 0.41 1.13 1.20

Loans to individuals ...................................................... 1.61 0.75 0.48 0.51 1.69 0.57 1.31 0.29 0.66 0.55 2.30

Credit card loans ..................................................... 2.24 0.00 0.46 1.26 2.25 1.06 0.05 0.43 2.46 1.31 2.42

Other loans to individuals ....................................... 0.29 0.75 0.48 0.41 0.26 0.55 1.33 0.25 0.34 0.20 0.51

Total loans and leases .................................................. 1.23 0.97 0.61 0.48 1.99 0.48 0.70 0.38 0.40 2.58 1.86

Percent of Loans Charged-Off (net, YTD)

All real estate loans ....................................................... 0.01 0.01 0.00 0.02 0.00 0.01 0.00 0.00 0.00 -0.01 0.02

Construction, development, and land ................... 0.00 0.12 0.00 0.00 0.00 0.00 -0.01 0.00 0.01 0.00 0.00

Nonfarm nonresidential ......................................... 0.04 -0.02 0.02 0.05 0.04 0.05 -0.02 0.00 0.07 -0.01 0.05

Multifamily residential real estate .......................... 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.02 0.00

Home equity loans .................................................. -0.03 0.00 0.03 -0.03 -0.05 -0.02 0.01 -0.08 -0.26 0.00 0.09

Other 1-4 Family residential ................................... 0.00 0.00 0.00 0.01 -0.01 0.00 0.00 0.01 0.00 -0.01 0.00

Commercial and industrial loans ................................. 0.53 1.53 0.22 0.35 0.79 0.27 0.60 0.34 0.31 0.29 2.12

Loans to individuals ...................................................... 3.34 0.48 1.29 1.54 3.48 1.10 0.13 0.82 3.60 1.12 4.81

Credit card loans ..................................................... 4.51 0.00 1.54 7.53 4.48 3.51 4.63 1.95 19.40 2.29 4.88

Other loans to individuals ....................................... 1.01 0.48 1.29 0.72 1.05 1.04 0.06 0.42 0.90 0.59 3.81

Total loans and leases .................................................. 0.89 0.08 0.05 0.10 1.74 0.08 0.02 0.06 0.33 0.48 3.51

Loans Outstanding (in billions)

All real estate loans ....................................................... $423.3 $3.0 $83.9 $202.1 $134.3 $237.1 $8.0 $48.9 $21.8 $76.5 $31.0

Construction, development, and land ................... 28.2 0.1 5.3 15.4 7.4 16.8 0.8 1.4 1.1 4.2 4.0

Nonfarm nonresidential .......................................... 96.8 0.3 18.8 50.2 27.5 70.0 1.6 4.3 3.0 11.4 6.5

Multifamily residential real estate .......................... 48.5 0.1 6.0 29.9 12.4 34.4 0.2 6.3 0.7 1.4 5.5

Home equity loans .................................................. 16.0 0.1 3.1 7.1 5.8 8.3 0.3 4.0 0.4 1.7 1.3

Other 1-4 Family residential ................................... 231.6 2.3 49.2 99.0 81.1 107.4 5.0 32.2 16.3 57.0 13.8

Commercial and industrial loans ................................. 39.9 0.1 4.8 18.5 16.5 23.1 0.3 1.9 0.8 9.6 4.2

Loans to individuals ...................................................... 162.8 0.1 2.7 8.2 151.8 7.5 0.2 2.3 2.1 52.5 98.3

Credit card loans ..................................................... 110.0 0.0 0.0 1.0 109.0 0.2 0.0 0.6 0.3 16.6 92.2

Other loans to individuals ....................................... 52.8 0.1 2.7 7.2 42.9 7.3 0.2 1.7 1.8 35.8 6.0

Total loans and leases .................................................. 641.4 3.2 92.6 234.7 310.9 271.9 8.7 55.9 25.1 142.6 137.3

Memo: Other Real Estate Owned (in millions)

All other real estate owned .......................................... $126.8 $1.3 $40.9 $53.8 $30.9 $67.3 $2.1 $10.7 $10.0 $19.0 $17.8

Construction, development, and land ................... 27.5 0.0 10.9 16.4 0.1 17.2 0.9 3.7 1.7 3.9 0.0

Nonfarm nonresidential ......................................... 56.9 0.8 13.6 24.3 18.2 35.6 0.7 2.9 6.4 8.2 3.1

Multifamily residential real estate .......................... 6.8 0.0 0.8 4.7 1.2 6.8 0.0 0.0 0.0 0.0 0.0

1-4 Family residential .............................................. 35.1 0.5 15.6 7.5 11.4 7.8 0.5 3.4 1.9 6.8 14.6

Troubled Real Estate Asset Rates**

(% of total RE assets)

All real estate loans ....................................................... 1.18 1.03 0.63 0.45 2.63 0.48 0.73 0.42 0.42 4.24 0.79

Construction, development, and land ................... 0.78 0.71 0.74 0.46 1.49 0.78 0.37 0.44 0.73 0.88 0.92

Nonfarm nonresidential ......................................... 0.53 1.14 0.75 0.50 0.41 0.56 0.38 0.62 0.65 0.33 0.45

Multifamily residential real estate .......................... 0.34 0.59 0.21 0.24 0.64 0.34 0.14 0.05 0.03 0.03 0.76

1-4 Family residential .............................................. 1.65 1.05 0.62 0.48 3.71 0.43 0.92 0.45 0.37 5.40 0.90

* Noncurrent loan rates represent the percentage of loans in each category that are past due 90 days or more or that are in nonaccrual status.

** Noncurrent real estate loans plus other real estate owned as a percent of total real estate loans plus OREO.

Chicago

Kansas

City Dallas

San

Francisco

TABLE V-B. Loan Performance, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

Greater

Than

$10 Billion New York Atlanta