Number of FDIC-Insured 5,256 4,587 669 12 5 1,324

Asset Concentration Group

Dollar Amounts in Billions Other

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

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

2,753 393 68 217 434 50

Number of FDIC-Supervised 3,384 3,053 331 6 0 941 1,784 195 46 129 267 16

Total Assets $ 18,480 17,308 1,172 522 4,509 285 6,672 386 226 38 77 5,765

Total Loans $ 10,399 9,719 680 429 1,692 196 4,697 226 157 10 44 2,946

Domestic Deposits $ 12,980 12,051 929 347 2,161 235 5,203 300 185 30 64 4,455

Bank Net Income (QTR) $ 57.354 53.096 4.258 4.470 13.871 1.028 18.931 1.237 0.855 0.322 0.237 16.404

Percent Profitable (QTR) % 95.9 96.3 93.1 100.0 100.0 96.5 96.2 92.1 100.0 90.8 96.8 98.0

Average Return on Assets (QTR) % 1.25 1.24 1.46 3.43 1.23 1.45 1.15 1.30 1.53 3.42 1.24 1.14

Average Return on Equity (QTR) % 10.96 10.81 13.18 27.35 11.98 12.21 9.42 11.62 13.93 18.88 9.45 10.20

Net Interest Margin (QTR) % 3.35 3.31 3.89 10.99 2.76 3.88 3.46 2.83 4.27 2.89 3.68 2.92

Equity to Assets % 11.35 11.37 11.07 12.72 10.14 11.94 12.18 11.03 11.05 18.10 13.19 11.16

Noncurrent Loan Rate - Total Loans * % 0.92 0.87 1.58 1.61 0.87 1.08 0.77 1.89 0.67 1.23 0.95 1.01

 Real Estate Loans % 1.15 1.09 1.71 1.06 1.42 1.03 0.79 2.05 1.32 1.35 1.02 1.74

 C&I Loans % 0.81 0.80 1.01 0.66 0.87 1.40 0.86 0.85 0.21 0.85 0.98 0.68

 Loans to Individuals % 0.97 0.92 1.54 1.71 0.91 0.65 0.77 0.43 0.51 1.25 0.48 0.69

Coverage Ratio ** % 130.99 135.70 93.82 276.58 164.24 129.54 125.61 32.19 158.46 118.69 127.35 100.48

Net Charge-Off Rate - All Loans (QTR) % 0.51 0.48 0.82 3.94 0.71 0.15 0.24 0.03 0.78 0.17 0.14 0.37

 Real Estate Loans (QTR) % -0.01 -0.01 -0.01 0.01 -0.01 0.06 0.02 -0.02 -0.04 0.11 0.04 -0.08

 C&I Loans (QTR) % 0.41 0.41 0.41 2.26 0.38 0.48 0.45 0.30 0.32 0.11 0.34 0.28

 Loans to Individuals (QTR) % 2.33 2.20 3.76 4.13 2.69 0.51 1.24 1.10 1.08 0.56 0.69 1.80

Third Quarter 2018

Number of FDIC-Insured 5,477 4,774 703 12 5 1,366 2,878 408 70 233 453 52

Number of FDIC-Supervised 3,527 3,178 349 6 0 973 1,867 196 44 143 280 18

Total Assets $ 17,673 16,480 1,192 640 4,246 285 6,233 352 213 36 78 5,590

Total Loans $ 9,939 9,255 684 509 1,580 198 4,424 217 153 10 45 2,803

Domestic Deposits $ 12,322 11,380 942 371 2,040 233 4,865 273 174 28 66 4,271

Bank Net Income (QTR) $ 61.877 58.062 3.815 4.885 12.785 1.004 20.256 1.075 0.734 0.344 0.238 20.557

Percent Profitable (QTR) % 96.4 97.0 92.5 100.0 100.0 97.7 96.5 92.2 92.9 94.4 96.7 96.2

Average Return on Assets (QTR) % 1.41 1.42 1.30 3.09 1.21 1.42 1.31 1.22 1.38 3.82 1.22 1.48

Average Return on Equity (QTR) % 12.46 12.49 12.04 20.19 12.08 12.53 10.95 11.18 13.10 22.56 10.17 13.32

Net Interest Margin (QTR) % 3.45 3.42 3.90 10.74 2.59 3.89 3.59 3.00 4.37 3.00 3.73 3.05

Equity to Assets % 11.28 11.32 10.74 15.27 9.98 11.32 11.96 10.99 10.67 16.87 12.05 11.06

Noncurrent Loan Rate - Total Loans * % 1.02 0.98 1.50 1.42 0.96 1.12 0.80 2.17 0.67 1.36 1.07 1.23

 Real Estate Loans % 1.38 1.35 1.58 2.67 1.79 1.08 0.83 2.36 1.38 1.48 1.19 2.34

 C&I Loans % 0.73 0.72 1.32 0.63 0.65 1.33 0.90 0.72 0.50 1.15 0.89 0.50

 Loans to Individuals % 0.94 0.90 1.47 1.49 0.86 0.58 0.82 0.44 0.48 1.21 0.48 0.67

Coverage Ratio ** % 122.19 124.00 106.14 312.23 134.58 123.92 124.54 32.03 156.65 116.67 119.46 85.92

Net Charge-Off Rate - All Loans (QTR) % 0.45 0.43 0.73 3.70 0.44 0.13 0.17 0.01 0.69 0.23 0.14 0.37

 Real Estate Loans (QTR) % 0.00 0.01 -0.01 -0.01 -0.07 0.03 0.03 -0.03 0.00 0.10 0.04 -0.01

 C&I Loans (QTR) % 0.25 0.24 0.51 2.26 0.08 0.36 0.24 0.09 0.35 0.24 0.34 0.20

 Loans to Individuals (QTR) % 2.25 2.14 3.43 3.88 2.50 0.52 1.06 1.10 0.95 0.97 0.61 1.75

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

See back of page for FDIC historical trends.

 Statistics At A Glance

 As of September 30, 2019