Dollar Amounts in Billions Other

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

First Quarter 2016 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 6,122 5,289 833 14 5 1,460 3,046 503 58 336 634 66

Number of FDIC-Supervised 3,911 3,510 401 8 0 1,036 1,991 237 40 192 382 25

Total Assets $ 16,293 15,203 1,091 540 4,015 276 5,742 405 193 60 113 4,951

Total Loans $ 8,939 8,273 667 409 1,430 183 3,937 253 136 17 62 2,511

Domestic Deposits $ 11,106 10,246 861 311 1,854 229 4,443 323 163 49 95 3,641

Bank Net Income (QTR) $ 39.056 35.690 3.366 3.750 8.195 0.838 12.899 0.968 0.509 0.351 0.248 11.297

Percent Profitable (QTR) % 95.0 95.6 91.0 100.0 100.0 97.5 95.1 90.9 98.3 92.0 92.9 97.0

Average Return on Assets (QTR) % 0.97 0.95 1.25 2.75 0.83 1.22 0.91 0.97 1.08 2.36 0.89 0.92

Average Return on Equity (QTR) % 8.62 8.43 11.31 18.92 8.33 10.62 7.69 8.53 10.71 15.98 7.51 8.20

Net Interest Margin (QTR) % 3.10 3.06 3.70 9.73 2.35 3.64 3.28 2.81 3.69 2.68 3.51 2.69

Equity to Assets % 11.26 11.27 11.05 14.83 9.89 11.57 11.82 11.37 10.02 14.65 11.89 11.28

Noncurrent Loan Rate - Total Loans * % 1.58 1.57 1.74 1.16 1.80 0.91 1.21 2.56 1.20 1.39 1.38 2.08

 Real Estate Loans % 2.32 2.35 2.12 0.51 3.41 0.95 1.37 2.82 3.31 1.63 1.48 3.91

 C&I Loans % 1.24 1.25 0.78 0.65 1.35 1.28 1.28 0.83 0.21 1.10 1.40 1.16

 Loans to Individuals % 0.82 0.79 1.08 1.21 0.98 0.59 0.67 0.34 0.53 0.69 1.06 0.56

Coverage Ratio ** % 85.47 85.91 80.55 294.19 87.48 154.06 97.85 34.94 95.76 120.00 100.85 57.61

Net Charge-Off Rate - All Loans (QTR) % 0.46 0.44 0.60 3.07 0.57 0.10 0.20 0.06 0.68 0.07 0.15 0.42

 Real Estate Loans (QTR) % 0.07 0.07 0.04 -0.10 0.10 0.03 0.04 0.04 0.16 0.01 0.09 0.11

 C&I Loans (QTR) % 0.39 0.38 0.79 2.01 0.41 0.17 0.34 0.07 -0.01 -0.01 0.05 0.40

 Loans to Individuals (QTR) % 1.94 1.89 2.42 3.18 2.43 0.38 0.97 0.60 0.94 0.42 0.54 1.56

First Quarter 2015

Number of FDIC-Insured 6,419 5,535 884 15 4 1,464 3,150 557 58 387 713 71

Number of FDIC-Supervised 4,084 3,671 413 8 0 1,034 2,058 260 37 234 429 24

Total Assets $ 15,778 14,717 1,061 490 3,855 255 4,927 462 182 64 132 5,412

Total Loans $ 8,362 7,710 652 375 1,318 160 3,369 280 129 17 72 2,641

Domestic Deposits $ 10,578 9,760 818 267 1,755 213 3,832 342 154 51 112 3,853

Bank Net Income (QTR) $ 39.821 36.914 2.907 3.703 8.637 0.746 11.097 0.858 0.458 0.342 0.295 13.686

Percent Profitable (QTR) % 94.3 95.1 89.6 100.0 100.0 97.5 94.0 91.4 91.4 90.4 93.7 97.2

Average Return on Assets (QTR) % 1.02 1.01 1.11 3.04 0.90 1.17 0.91 0.76 1.02 2.17 0.90 1.02

Average Return on Equity (QTR) % 9.12 9.08 9.61 19.98 9.50 10.34 7.59 6.49 10.29 14.82 7.72 9.11

Net Interest Margin (QTR) % 3.02 2.99 3.45 9.59 2.26 3.52 3.27 2.60 3.53 2.64 3.46 2.70

Equity to Assets % 11.18 11.16 11.43 15.30 9.52 11.44 11.98 11.34 9.93 14.69 11.69 11.23

Noncurrent Loan Rate - Total Loans * % 1.83 1.82 1.98 1.09 2.14 0.96 1.19 2.80 1.46 1.64 1.64 2.56

 Real Estate Loans % 3.09 3.16 2.48 0.49 4.89 1.13 1.57 3.10 3.77 1.97 1.82 5.19

 C&I Loans % 0.54 0.53 0.72 0.71 0.48 1.24 0.65 0.99 0.51 1.43 1.54 0.37

 Loans to Individuals % 0.83 0.81 1.04 1.13 1.07 0.55 0.68 0.56 0.58 0.54 1.03 0.62

Coverage Ratio ** % 79.14 79.76 72.44 301.94 82.83 153.59 103.81 39.51 78.66 109.70 87.38 52.20

Net Charge-Off Rate - All Loans (QTR) % 0.43 0.42 0.54 2.80 0.63 0.02 0.15 0.15 0.60 0.13 0.14 0.41

 Real Estate Loans (QTR) % 0.16 0.17 0.11 0.25 0.39 -0.02 0.09 0.14 0.23 0.02 0.09 0.21

 C&I Loans (QTR) % 0.17 0.15 0.83 2.19 0.16 0.14 0.14 0.00 0.07 0.13 0.20 0.12

 Loans to Individuals (QTR) % 1.83 1.80 2.12 2.87 2.34 0.33 0.70 0.93 0.79 0.48 0.43 1.62

* Nonaccruing loans and loans past due 90+ days.

** Loss reserve as a percentage of noncurrent loans.

 Statistics At A Glance

 As of March 31, 2016

Asset Concentration Group

See back of page for FDIC historical trends.