Dollar Amounts in Billions Other

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

Fourth Quarter 2015 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 6,182 5,338 844 14 4 1,479 3,091 501 65 332 629 67

Number of FDIC-Supervised 3,947 3,544 403 8 0 1,044 2,015 236 44 196 380 24

Total Assets $ 15,968 14,893 1,074 549 3,775 278 5,893 386 187 57 113 4,730

Total Loans $ 8,840 8,170 669 425 1,378 184 4,000 244 137 16 62 2,395

Domestic Deposits $ 10,905 10,065 840 317 1,756 230 4,523 306 157 46 95 3,475

Bank Net Income (QTR) $ 40.848 38.142 2.706 3.557 7.829 0.774 13.226 0.845 0.384 0.486 0.606 13.140

Percent Profitable (QTR) % 90.9 91.7 86.0 100.0 100.0 92.4 92.4 85.0 87.7 84.6 87.6 95.5

Average Return on Assets (QTR) % 1.03 1.03 1.03 2.66 0.82 1.13 0.91 0.89 0.83 3.41 2.17 1.12

Average Return on Equity (QTR) % 9.13 9.13 9.19 18.30 8.18 9.87 7.68 7.79 8.16 22.47 18.13 10.03

Net Interest Margin (QTR) % 3.13 3.11 3.36 9.74 2.40 3.70 3.17 2.81 3.69 2.67 3.45 2.83

Equity to Assets % 11.24 11.26 11.03 14.29 10.13 11.32 11.77 11.36 10.12 15.02 11.78 11.08

Noncurrent Loan Rate - Total Loans * % 1.56 1.54 1.76 1.17 1.81 0.80 1.12 2.64 1.27 1.46 1.45 2.18

 Real Estate Loans % 2.48 2.52 2.15 0.55 3.79 0.90 1.43 2.89 3.36 1.66 1.64 4.36

 C&I Loans % 0.78 0.78 0.75 0.69 0.77 1.14 0.80 0.82 0.22 1.27 1.30 0.72

 Loans to Individuals % 0.85 0.82 1.10 1.21 1.02 0.56 0.71 0.42 0.57 0.88 0.77 0.59

Coverage Ratio ** % 86.01 86.76 78.02 274.03 87.52 172.13 104.03 36.46 89.69 114.86 95.15 55.14

Net Charge-Off Rate - All Loans (QTR) % 0.49 0.47 0.68 3.01 0.68 0.16 0.22 0.10 0.70 0.32 0.22 0.44

 Real Estate Loans (QTR) % 0.13 0.14 0.05 0.06 0.32 0.09 0.09 0.07 0.32 0.13 0.15 0.15

 C&I Loans (QTR) % 0.37 0.36 0.72 1.92 0.40 0.44 0.32 0.16 0.05 0.92 0.31 0.34

 Loans to Individuals (QTR) % 1.90 1.80 2.89 3.12 2.23 0.58 0.97 0.82 0.92 0.73 0.48 1.58

Fourth Quarter 2014

Number of FDIC-Insured 6,509 5,607 902 15 3 1,515 3,222 553 52 374 708 67

Number of FDIC-Supervised 4,138 3,720 418 8 0 1,066 2,102 263 33 220 422 24

Total Assets $ 15,554 14,475 1,079 484 3,736 273 4,879 440 176 62 129 5,375

Total Loans $ 8,309 7,631 678 387 1,283 176 3,344 274 125 17 70 2,633

Domestic Deposits $ 10,368 9,543 825 250 1,708 227 3,770 328 148 49 108 3,780

Bank Net Income (QTR) $ 36.496 33.348 3.148 3.707 4.234 0.739 11.779 0.990 0.401 0.380 0.252 14.013

Percent Profitable (QTR) % 90.1 90.7 86.1 100.0 66.7 92.1 90.4 87.0 92.3 85.3 88.6 97.0

Average Return on Assets (QTR) % 0.95 0.93 1.18 3.08 0.46 1.09 0.98 0.91 0.93 2.48 0.79 1.05

Average Return on Equity (QTR) % 8.46 8.34 9.99 20.45 4.81 9.52 8.12 7.49 9.34 16.81 6.65 9.42

Net Interest Margin (QTR) % 3.12 3.09 3.51 9.76 2.39 3.70 3.40 2.70 3.58 2.73 3.50 2.72

Equity to Assets % 11.15 11.10 11.75 15.13 9.45 11.42 11.97 12.07 9.88 14.78 11.81 11.11

Noncurrent Loan Rate - Total Loans * % 1.96 1.95 2.03 1.10 2.31 0.95 1.32 2.98 1.56 1.64 1.76 2.71

 Real Estate Loans % 3.34 3.45 2.54 0.43 5.41 1.19 1.78 3.29 3.70 1.92 1.97 5.52

 C&I Loans % 0.50 0.49 0.77 0.72 0.45 1.23 0.60 0.89 0.51 1.50 1.60 0.32

 Loans to Individuals % 0.89 0.88 1.05 1.14 1.08 0.55 0.74 0.55 0.75 0.63 1.03 0.72

Coverage Ratio ** % 75.39 75.95 69.33 284.22 80.12 146.35 96.96 38.24 73.82 112.67 81.65 50.04

Net Charge-Off Rate - All Loans (QTR) % 0.48 0.48 0.52 2.74 0.73 0.20 0.25 0.12 0.64 0.50 0.32 0.38

 Real Estate Loans (QTR) % 0.18 0.19 0.11 0.09 0.37 0.13 0.20 0.09 0.26 0.40 0.21 0.09

 C&I Loans (QTR) % 0.28 0.26 0.64 1.83 0.35 0.58 0.24 0.11 0.37 0.49 1.08 0.19

 Loans to Individuals (QTR) % 1.90 1.87 2.23 2.83 2.52 0.52 0.81 1.00 0.82 0.92 0.57 1.70

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

 Statistics At A Glance

 As of December 31, 2015

Asset Concentration Group

See back of page for FDIC historical trends.