Quarterly Banking Profile

First Quarter 2023 All FDIC-Insured Commercial Banks

INCOME DATA

Total interest income ........................................................................................... $704,381 $521,680 35.0 $247,248 $135,793 82.1

Total interest expense .......................................................................................... 112,005 32,394 245.8 81,606 7,697 960.3

Net interest income ......................................................................................... 592,376 489,286 21.1 165,642 128,097 29.3

Provision for credit losses .................................................................................... 47,537 -31,334 N/M 19,201 4,602 317.3

Total noninterest income ..................................................................................... 280,393 285,971 -2.0 83,412 73,180 14.0

Total noninterest expense ................................................................................... 507,589 477,911 6.2 133,647 125,730 6.3

Securities gains (losses) ....................................................................................... -3,519 2,395 -246.9 -2,165 -460 N/M

Applicable income taxes ...................................................................................... 63,659 67,767 -6.1 16,814 14,195 18.5

Extraordinary gains, net ....................................................................................... -264 47 -657.7 8 0 N/M

Net income ....................................................................................................... 249,959 263,166 -5.0 77,145 56,236 37.2

Net charge-offs ..................................................................................................... 28,534 24,745 15.3 11,257 5,654 99.1

Cash dividends ...................................................................................................... 139,282 149,665 -6.9 43,226 27,118 59.4

Net operating income ...................................................................................... 253,501 261,369 -3.0 79,038 56,662 39.5

N/M - Not Meaningful

%Change 

22Q1-23Q1

Full Year 

2022

Full Year 

2021 %Change

1st Quarter

2023

1st Quarter

2022

(dollar figures in millions)

Number of institutions reporting ...................................................................................... 4,096 4,127 4,196 -2.4

Total employees (full-time equivalent) ............................................................................ 2,020,388 2,015,602 1,969,514 2.6

CONDITION DATA

Total assets .......................................................................................................................... $22,431,267 $22,319,393 $22,526,555 -0.4

Loans secured by real estate ......................................................................................... 5,368,934 5,337,833 4,880,100 10.0

Commercial & industrial loans ...................................................................................... 2,484,855 2,489,023 2,344,225 6.0

Loans to individuals ....................................................................................................... 1,889,237 1,921,488 1,747,727 8.1

Farm loans ....................................................................................................................... 66,586 73,528 64,566 3.1

Other loans & leases ....................................................................................................... 1,758,891 1,765,405 1,664,887 5.6

Less: Unearned income .................................................................................................. 1,450 1,749 1,755 -17.4

Total loans & leases ........................................................................................................ 11,567,053 11,585,528 10,699,750 8.1

Less: Reserve for losses .................................................................................................. 187,256 181,132 161,953 15.6

Net loans and leases ........................................................................................................... 11,379,796 11,404,397 10,537,797 8.0

Securities .............................................................................................................................. 5,103,697 5,367,693 5,666,644 -9.9

Other real estate owned ..................................................................................................... 2,544 2,470 2,778 -8.4

Goodwill and other intangibles ......................................................................................... 428,819 423,257 405,343 5.8

All other assets .................................................................................................................... 5,516,409 5,121,576 5,913,992 -6.7

Total liabilities and capital ................................................................................................. 22,431,267 22,319,393 22,526,555 -0.4

Noninterest-bearing deposits ....................................................................................... 4,548,399 4,868,794 5,572,540 -18.4

Interest-bearing deposits .............................................................................................. 13,150,355 13,263,782 13,116,761 0.3

Other borrowed funds ................................................................................................... 1,770,914 1,264,218 919,284 92.6

Subordinated debt ......................................................................................................... 60,741 65,106 65,729 -7.6

All other liabilities .......................................................................................................... 735,413 743,430 717,401 2.5

Equity capital .................................................................................................................. 2,165,445 2,114,064 2,134,837 1.4

Loans and leases 30-89 days past due .............................................................................. 57,562 62,232 50,297 14.4

Noncurrent loans and leases ............................................................................................. 83,324 81,405 83,061 0.3

Restructured loans and leases ........................................................................................... 11,945 41,217 39,245 -69.6

1-4 family residential mortgages ....................................................................................... 2,520,601 2,499,360 2,294,551 9.9

Mortgage-backed securities ............................................................................................... 2,662,885 2,777,477 3,064,371 -13.1

Earning assets ...................................................................................................................... 20,298,873 20,184,830 20,461,671 -0.8

Long-term assets (5+ years) ............................................................................................... 6,457,054 6,656,166 6,778,606 -4.7

Volatile liabilities ................................................................................................................. 3,285,520 2,855,323 2,577,621 27.5

Foreign office deposits ........................................................................................................ 1,438,164 1,488,788 1,550,728 -7.3

FHLB Advances .................................................................................................................... 694,357 515,478 152,511 355.3

Unused loan commitments ................................................................................................ 9,081,953 8,962,151 8,707,889 4.3

Off-balance-sheet derivatives ............................................................................................ 220,396,749 192,810,195 203,060,648 8.5

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

1st Quarter

2023

4th Quarter

2022

1st Quarter

2022

%Change 

22Q1-23Q1

2023* 2022* 2022 2021 2020 2019 2018

Return on assets (%) .................................................................. 1.39 1.01 1.12 1.24 0.71 1.29 1.35

Return on equity (%) .................................................................. 14.56 10.38 11.80 12.27 6.75 11.32 11.99

Core capital (leverage) ratio ...................................................... 9.10 8.60 8.93 8.67 8.79 9.61 9.66

Noncurrent assets plus

other real estate owned to assets (%) .................................. 0.39 0.38 0.38 0.40 0.56 0.52 0.58

Net charge-offs to loans (%) ...................................................... 0.39 0.21 0.26 0.24 0.49 0.49 0.46

Asset growth rate (%) ................................................................. -0.42 6.70 0.53 8.35 17.15 4.57 3.15

Net interest margin (%) ............................................................. 3.31 2.52 2.93 2.52 2.80 3.32 3.37

Net operating income growth (%) ............................................. 39.49 -21.18 -3.01 100.38 -39.29 -3.33 47.56

Number of institutions reporting .............................................. 4,096 4,196 4,127 4,232 4,375 4,518 4,715

Percentage of unprofitable institutions (%) ............................. 3.69 4.62 2.88 2.62 4.02 3.30 2.97

Number of failed institutions ..................................................... 2 0 0 0 4 3 0

* Through March 31, ratios annualized where appropriate. Asset growth rates are for 12 months ending March 31.

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

First Quarter 2023 All FDIC-Insured Commercial Banks

FIRST QUARTER

(The way it is...)

Number of institutions reporting ................................ 4,096 651 2,608 694 130 13 291 483 865 1,157 982 318

Total assets (in billions) .............................................. $22,431.3 $39.7 $953.6 $1,942.8 $6,332.8 $13,162.4 $4,134.6 $4,816.1 $5,683.3 $4,129.3 $1,451.4 $2,216.6

Total deposits (in billions) .......................................... 17,698.8 34.0 824.5 1,611.9 4,911.6 10,316.8 3,250.6 3,825.2 4,387.8 3,373.3 1,184.1 1,677.8

Net income (in millions) .............................................. 77,145 100 2,876 5,852 28,879 39,437 12,855 23,543 17,358 12,824 4,507 6,057

% of unprofitable institutions ..................................... 3.7 8.5 2.7 2.3 6.2 7.7 5.2 4.6 3.1 2.7 3.1 8.2

% of institutions with earnings gains ......................... 67.9 76.8 68.2 59.5 61.5 69.2 56.4 77.2 65.6 67.9 69.5 65.7

Performance Ratios (annualized, %)

Yield on earning assets ................................................ 4.94 4.47 4.68 5.16 5.23 4.78 5.16 4.70 4.63 5.07 4.93 5.52

Cost of funding earning assets ................................... 1.63 0.71 1.02 1.36 1.70 1.68 2.04 1.30 1.53 1.72 1.32 1.84

Net interest margin ..................................................... 3.31 3.76 3.65 3.79 3.52 3.10 3.12 3.40 3.10 3.35 3.61 3.68

Noninterest income to earning assets ........................ 1.67 1.26 0.79 1.07 2.18 1.57 1.46 2.11 1.71 1.37 0.92 2.05

Noninterest expense to earning assets ...................... 2.67 3.69 2.85 2.85 2.81 2.55 2.47 2.50 2.61 2.62 2.70 3.58

Credit loss provision to assets .................................... 0.35 0.05 0.08 0.25 0.42 0.35 0.28 0.48 0.31 0.33 0.14 0.45

Net operating income to assets .................................. 1.43 1.02 1.23 1.30 1.89 1.24 1.30 2.03 1.30 1.24 1.28 1.15

Pretax return on assets ............................................... 1.70 1.17 1.40 1.53 2.21 1.50 1.56 2.22 1.58 1.55 1.51 1.52

Return on assets .......................................................... 1.39 1.01 1.21 1.21 1.86 1.21 1.25 2.01 1.24 1.23 1.26 1.11

Return on equity .......................................................... 14.56 8.71 13.43 12.62 18.99 12.77 12.65 20.68 13.34 13.13 12.94 11.69

Net charge-offs to loans and leases ............................ 0.39 0.04 0.05 0.24 0.38 0.48 0.43 0.51 0.28 0.38 0.08 0.57

Loan and lease loss provision to net charge-offs ....... 159.66 240.42 225.59 146.38 167.37 156.13 121.48 169.86 216.50 162.40 274.41 123.53

Efficiency ratio ............................................................ 52.65 73.36 63.81 58.20 46.91 54.32 53.31 44.91 53.92 55.33 59.10 57.16

Condition Ratios (%)

Earning assets to total assets ..................................... 90.49 92.96 93.86 93.05 91.93 89.17 89.40 90.26 89.77 90.62 91.73 93.84

Loss allowance to:

Loans and leases ................................................... 1.62 1.52 1.36 1.42 1.51 1.78 1.72 1.65 1.58 1.75 1.26 1.55

Noncurrent loans and leases ................................ 224.73 181.99 291.21 240.98 234.38 212.78 183.57 241.53 225.11 219.03 240.65 296.12

Noncurrent assets plus

other real estate owned to assets ......................... 0.39 0.48 0.33 0.43 0.42 0.36 0.49 0.36 0.34 0.40 0.36 0.35

Equity capital ratio ...................................................... 9.64 11.80 9.21 9.74 9.88 9.54 9.98 9.71 9.41 9.54 9.81 9.53

Core capital (leverage) ratio ....................................... 9.10 13.42 10.85 10.34 9.66 8.50 9.19 8.85 8.85 8.90 10.07 9.83

Common equity tier 1 capital ratio* ........................... 13.49 21.16 14.99 13.34 12.82 13.80 13.69 12.81 14.21 13.23 12.65 13.90

Tier 1 risk-based capital ratio* .................................... 13.57 21.16 15.02 13.37 13.01 13.83 13.73 12.86 14.26 13.31 12.76 14.20

Total risk-based capital ratio* .................................... 14.91 22.22 16.13 14.44 14.34 15.23 15.02 14.08 15.66 14.88 13.99 15.39

Net loans and leases to deposits ................................ 64.30 59.90 72.24 80.92 80.97 53.14 64.01 63.56 58.37 58.86 75.88 84.82

Structural Changes

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

Banks absorbed by mergers ................................. 30 4 16 8 2 0 1 6 9 6 6 2

Failed banks .......................................................... 2 0 0 0 2 0 1 0 0 0 0 1

PRIOR FIRST QUARTERS

(The way it was...)

Number of institutions ........................................ 2022 4,196 684 2,682 687 131 12 294 498 890 1,189 1,001 324

 ................................ 2020 4,464 996 2,782 559 115 12 323 529 942 1,274 1,055 341

 ................................ 2018 4,880 1,238 3,014 510 109 9 356 599 1,030 1,377 1,138 380

Total assets (in billions) ....................................... 2022 $22,526.6 $42.2 $975.6 $1,865.5 $6,550.9 $13,092.3 $4,097.3 $4,698.5 $5,742.9 $4,173.7 $1,398.0 $2,416.2

 ................................ 2020 19,020.6 59.3 921.5 1,494.4 5,266.8 11,278.7 3,407.4 4,019.7 4,614.0 3,986.3 1,090.7 1,902.4

 ................................ 2018 16,326.6 74.4 964.4 1,355.2 5,143.6 8,789.1 2,838.6 3,503.0 3,859.6 3,634.1 965.8 1,525.6

Return on assets (%) ............................................ 2022 1.01 0.69 1.00 1.31 1.25 0.84 0.95 1.06 0.87 0.89 1.12 1.46

 ................................ 2020 0.37 0.89 1.12 0.84 -0.22 0.51 0.58 0.07 0.47 0.49 0.71 -0.10

 ................................ 2018 1.27 0.90 1.19 1.32 1.34 1.24 1.19 1.32 1.27 1.17 1.34 1.53

Net charge-offs to loans & leases (%) ................. 2022 0.21 0.04 0.03 0.11 0.26 0.22 0.24 0.30 0.15 0.24 0.06 0.20

 ................................ 2020 0.53 0.14 0.12 0.25 0.68 0.53 0.58 0.63 0.44 0.54 0.25 0.55

 ................................ 2018 0.47 0.20 0.08 0.21 0.64 0.46 0.75 0.57 0.24 0.53 0.13 0.36

Noncurrent assets plus

OREO to assets ............................................... 202 0.38 0.54 0.39 0.45 0.41 0.36 0.45 0.36 0.33 0.46 0.38 0.31

 ................................ 2020 0.51 0.98 0.75 0.71 0.57 0.44 0.49 0.48 0.45 0.61 0.64 0.47

 ................................ 2018 0.68 1.01 0.84 0.73 0.61 0.69 0.65 0.69 0.65 0.79 0.69 0.45

Equity capital ratio (%) ........................................ 2022 9.47 11.71 9.55 10.01 10.02 9.10 9.75 9.83 8.82 9.43 9.99 9.60

 ................................ 2020 10.46 13.57 11.69 11.63 11.41 9.74 10.53 11.29 9.78 9.73 12.14 10.75

 ................................ 2018 11.23 12.45 10.95 11.68 12.52 10.43 12.44 12.08 10.32 10.01 11.68 11.96

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. First 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

First Quarter 2023 All FDIC-Insured Commercial Banks

FULL YEAR

(The way it is...)

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

Total assets (in billions) .............................................. $22,319.4 $41.1 $967.9 $1,945.7 $6,626.5 $12,738.2 $4,177.3 $4,560.2 $5,504.3 $4,187.9 $1,416.5 $2,473.2

Total deposits (in billions) .......................................... 18,132.6 35.2 841.9 1,631.7 5,418.7 10,205.2 3,388.5 3,786.7 4,309.0 3,421.7 1,192.4 2,034.3

Net income (in millions) .............................................. 249,959 354 11,117 25,765 81,135 131,587 43,057 53,989 60,216 40,155 17,895 34,646

% of unprofitable institutions ..................................... 2.9 9.3 1.8 1.0 1.5 0.0 3.7 4.5 2.0 1.8 2.5 7.1

% of institutions with earnings gains ......................... 56.4 51.2 56.3 62.6 54.6 41.7 63.7 70.7 55.5 42.6 64.4 56.2

Performance Ratios (%)

Yield on earning assets ................................................ 3.49 3.59 3.92 4.18 3.80 3.18 3.51 3.48 3.09 3.60 3.82 3.94

Cost of funding earning assets ................................... 0.55 0.34 0.41 0.48 0.58 0.57 0.72 0.40 0.52 0.62 0.43 0.62

Net interest margin ..................................................... 2.93 3.25 3.50 3.70 3.22 2.62 2.79 3.08 2.58 2.98 3.39 3.33

Noninterest income to earning assets ........................ 1.39 1.21 0.85 1.22 1.36 1.47 1.33 1.16 1.58 1.20 1.05 1.97

Noninterest expense to earning assets ...................... 2.51 3.37 2.80 2.86 2.53 2.43 2.36 2.41 2.42 2.61 2.62 2.91

Credit loss provision to assets .................................... 0.21 0.03 0.08 0.21 0.26 0.20 0.24 0.24 0.17 0.17 0.11 0.34

Net operating income to assets .................................. 1.14 0.85 1.19 1.38 1.28 1.03 1.07 1.17 1.10 0.98 1.30 1.46

Pretax return on assets ............................................... 1.41 0.96 1.35 1.71 1.62 1.26 1.33 1.39 1.36 1.24 1.55 1.88

Return on assets .......................................................... 1.12 0.84 1.17 1.37 1.26 1.02 1.05 1.17 1.07 0.97 1.28 1.43

Return on equity .......................................................... 11.80 7.19 12.63 14.01 12.77 10.91 10.76 11.84 11.94 10.29 12.99 15.08

Net charge-offs to loans and leases ............................ 0.26 0.06 0.05 0.16 0.23 0.32 0.29 0.35 0.18 0.27 0.07 0.30

Loan and lease loss provision to net charge-offs ....... 161.94 108.75 249.07 193.52 168.82 152.97 167.94 137.76 205.50 137.38 217.09 175.51

Efficiency ratio ............................................................ 57.72 75.39 64.06 57.66 54.61 58.94 56.67 56.41 57.92 61.96 58.48 54.77

Condition Ratios (%)

Earning assets to total assets ..................................... 90.44 92.68 93.63 92.81 91.94 89.04 90.34 89.87 89.25 90.30 91.43 93.93

Loss allowance to:

Loans and leases ................................................... 1.56 1.45 1.34 1.34 1.41 1.76 1.64 1.62 1.53 1.70 1.23 1.45

Noncurrent loans and leases ................................ 222.51 171.77 286.47 202.34 232.47 216.86 180.04 237.51 226.60 217.41 245.05 286.24

Noncurrent assets plus

other real estate owned to assets ......................... 0.38 0.49 0.34 0.48 0.39 0.36 0.48 0.37 0.33 0.39 0.34 0.33

Equity capital ratio ...................................................... 9.46 11.46 8.86 9.54 9.65 9.39 9.78 9.73 9.21 9.23 9.61 9.30

Core capital (leverage) ratio ....................................... 8.93 13.38 10.72 10.29 9.41 8.32 9.14 8.59 8.62 8.77 9.96 9.56

Common equity tier 1 capital ratio* ........................... 13.39 20.79 14.76 13.20 12.73 13.74 13.61 12.61 14.15 13.16 12.59 13.73

Tier 1 risk-based capital ratio* .................................... 13.47 20.80 14.82 13.24 12.93 13.77 13.67 12.67 14.20 13.24 12.69 14.00

Total risk-based capital ratio* .................................... 14.79 21.84 15.91 14.28 14.19 15.18 15.01 13.82 15.57 14.82 13.87 15.12

Net loans and leases to deposits ................................ 62.89 60.59 71.61 80.38 76.03 52.41 63.00 62.24 57.99 58.26 73.50 75.93

Structural Changes

New reporters ....................................................... 14 14 0 0 0 0 2 4 0 1 2 5

Banks absorbed by mergers ................................. 115 27 55 26 7 0 13 11 21 38 26 6

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

PRIOR FULL YEARS

(The way it was...)

Number of institutions ......................................... 202 4,232 712 2,702 676 130 12 300 502 897 1,198 1,006 329

 ................................ 2019 4,518 1,022 2,832 539 115 10 328 534 959 1,286 1,068 343

 ................................ 2017 4,918 1,238 3,062 509 100 9 362 606 1,019 1,389 1,158 384

Total assets (in billions) ....................................... 2021 $22,201.0 $44.0 $988.1 $1,871.4 $6,471.0 $12,826.4 $4,023.5 $4,645.7 $5,574.0 $4,152.1 $1,389.2 $2,416.6

 ................................ 2019 17,491.8 60.7 937.5 1,437.3 5,392.6 9,663.8 3,034.3 3,745.8 4,129.8 3,750.4 1,049.7 1,781.8

 ................................ 2017 16,217.9 74.2 984.2 1,411.7 5,021.1 8,726.7 2,811.4 3,498.4 3,806.6 3,642.0 955.9 1,503.7

Return on assets (%) ............................................ 2021 1.24 1.00 1.26 1.46 1.48 1.08 1.08 1.28 1.23 1.10 1.35 1.61

 ................................ 2019 1.29 0.99 1.29 1.36 1.33 1.26 1.12 1.31 1.33 1.20 1.39 1.57

 ................................ 2017 0.96 0.87 1.06 1.09 1.01 0.89 0.87 1.01 0.99 0.76 1.13 1.27

Net charge-offs to loans & leases (%) .................. 2021 0.24 0.07 0.06 0.14 0.26 0.28 0.29 0.27 0.20 0.31 0.07 0.20

 ................................ 2019 0.49 0.24 0.15 0.23 0.60 0.51 0.55 0.59 0.42 0.53 0.16 0.47

 ................................ 2017 0.48 0.23 0.16 0.26 0.62 0.47 0.69 0.62 0.28 0.51 0.20 0.33

Noncurrent assets plus

OREO to assets ............................................... 202 0.40 0.57 0.42 0.44 0.43 0.38 0.46 0.36 0.36 0.49 0.40 0.33

 ................................ 2019 0.52 0.95 0.72 0.59 0.53 0.48 0.52 0.49 0.48 0.62 0.62 0.40

 ................................ 2017 0.71 0.99 0.84 0.67 0.63 0.74 0.68 0.73 0.67 0.86 0.71 0.43

Equity capital ratio (%) ........................................ 2021 9.96 12.84 10.51 10.71 10.35 9.60 10.17 10.21 9.47 9.81 10.80 10.04

 ................................ 2019 11.35 13.58 11.74 11.94 12.17 10.76 11.75 12.27 10.86 10.22 12.47 11.61

 ................................ 2017 11.25 12.46 11.00 11.84 12.47 10.47 12.40 12.12 10.38 9.96 11.68 12.16

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

TABLE IV-A. Full Year 2022, 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

First Quarter 2023 All FDIC-Insured Commercial Banks

MARCH 31, 2023

Percent of Loans 30-89 Days Past Due

All loans secured by real estate ................................... 0.37 0.85 0.41 0.24 0.34 0.47 0.44 0.38 0.34 0.54 0.32 0.20

Construction and development ........................... 0.36 1.16 0.44 0.28 0.38 0.37 0.70 0.29 0.22 0.37 0.25 0.46

Nonfarm nonresidential ....................................... 0.25 0.76 0.28 0.15 0.21 0.44 0.27 0.18 0.24 0.56 0.19 0.11

Multifamily residential real estate ........................ 0.21 0.06 0.14 0.11 0.21 0.28 0.28 0.26 0.10 0.54 0.25 0.03

Home equity loans ................................................ 0.50 0.30 0.43 0.44 0.54 0.50 0.46 0.45 0.64 0.53 0.47 0.38

Other 1-4 Family residential ................................. 0.50 1.01 0.61 0.42 0.45 0.54 0.60 0.55 0.44 0.63 0.56 0.26

Commercial and industrial loans ............................... 0.33 1.15 0.54 0.41 0.29 0.32 0.23 0.28 0.39 0.36 0.26 0.48

Loans to individuals .................................................... 1.32 1.38 1.11 1.72 1.15 1.40 1.07 1.88 0.83 1.21 1.77 1.47

Credit card loans ................................................... 1.22 3.28 3.69 3.13 1.11 1.22 1.46 1.60 0.88 1.06 0.56 0.99

Other loans to individuals .................................... 1.41 1.37 1.03 1.42 1.16 1.63 0.76 2.14 0.79 1.53 1.88 1.72

All other loans and leases (including farm) ................ 0.23 0.71 0.50 0.35 0.23 0.22 0.21 0.13 0.37 0.23 0.23 0.15

Total loans and leases ................................................. 0.50 0.91 0.46 0.37 0.45 0.57 0.47 0.60 0.43 0.54 0.35 0.51

Memo: Nonfarm nonres loans not secured by RE ...... 0.27 0.32 0.07 0.01 0.39 0.24 0.50 0.08 0.50 0.15 0.03 0.19

Percent of Loans Noncurrent*

All real estate loans ..................................................... 0.89 0.73 0.43 0.42 0.70 1.46 1.16 0.85 1.04 1.17 0.48 0.39

Construction and development ........................... 0.37 0.27 0.27 0.32 0.28 0.71 0.87 0.13 0.62 0.22 0.15 0.38

Nonfarm nonresidential ....................................... 0.71 0.89 0.46 0.37 0.70 1.27 1.21 0.74 0.55 0.86 0.36 0.46

Multifamily residential real estate ........................ 0.19 0.23 0.21 0.20 0.16 0.22 0.28 0.36 0.13 0.13 0.06 0.12

Home equity loans ................................................ 1.80 0.42 0.34 0.37 1.02 3.04 1.63 1.30 2.29 4.03 0.69 0.40

Other 1-4 Family residential ................................. 1.20 0.72 0.45 0.62 0.92 1.64 1.45 1.05 1.47 1.54 0.93 0.41

Commercial and industrial loans ............................... 0.64 1.44 0.69 1.19 0.68 0.53 0.99 0.48 0.57 0.55 0.74 0.80

Loans to individuals .................................................... 0.88 0.90 0.42 1.08 0.78 0.93 0.98 1.10 0.51 0.89 0.79 0.87

Credit card loans ................................................... 1.30 2.29 1.93 3.89 1.27 1.25 1.62 1.62 0.89 1.12 0.37 1.23

Other loans to individuals .................................... 0.50 0.89 0.37 0.47 0.48 0.53 0.49 0.64 0.18 0.41 0.82 0.68

All other loans and leases (including farm) ................ 0.17 0.75 0.48 0.28 0.15 0.16 0.12 0.09 0.24 0.20 0.17 0.13

Total loans and leases ................................................. 0.72 0.84 0.47 0.59 0.64 0.83 0.93 0.68 0.70 0.80 0.52 0.52

Memo: Nonfarm nonres loans not secured by RE ...... 0.18 0.00 0.21 0.01 0.18 0.19 0.21 0.04 0.51 0.01 0.02 0.07

Percent of Loans Charged-Off (net, annual)

All real estate loans ..................................................... 0.03 0.00 0.00 0.01 0.06 0.00 0.03 0.02 0.01 0.00 0.01 0.12

Construction and development ........................... 0.01 -0.02 0.00 -0.01 0.02 0.01 0.03 -0.02 0.05 -0.01 0.00 0.01

Nonfarm nonresidential ....................................... 0.09 0.02 0.00 0.02 0.16 0.09 0.09 0.07 0.04 0.05 0.03 0.29

Multifamily residential real estate ........................ 0.03 0.00 0.00 0.01 0.06 0.00 0.01 0.00 0.01 0.00 0.00 0.13

Home equity loans ................................................ -0.08 0.00 -0.02 0.01 -0.03 -0.15 -0.04 -0.12 -0.10 -0.14 -0.04 0.02

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

Commercial and industrial loans ............................... 0.26 0.19 0.14 0.25 0.33 0.22 0.20 0.26 0.30 0.09 0.13 0.70

Loans to individuals .................................................... 1.85 0.38 0.72 2.75 1.63 1.94 2.03 2.03 1.22 2.27 1.05 1.87

Credit card loans ................................................... 2.98 14.17 4.24 9.55 2.89 2.85 3.55 3.31 2.13 2.85 1.42 3.19

Other loans to individuals .................................... 0.85 0.27 0.60 1.23 0.87 0.78 0.83 0.89 0.40 1.01 1.02 1.18

All other loans and leases (including farm) ................ 0.12 -0.09 0.06 0.08 0.06 0.14 0.08 0.22 0.10 0.10 0.13 0.03

Total loans and leases ................................................. 0.39 0.04 0.05 0.24 0.38 0.48 0.43 0.51 0.28 0.38 0.08 0.57

Memo: Nonfarm nonres loans not secured by RE ...... 0.00 -0.01 0.07 0.00 -0.01 0.01 -0.08 0.00 0.00 0.01 0.02 0.19

Loans Outstanding (in billions)

All real estate loans ..................................................... $5,368.9 $13.7 $465.5 $954.5 $2,082.2 $1,853.1 $1,003.7 $963.3 $1,104.9 $881.7 $632.3 $783.0

Construction and development ........................... 451.8 1.0 51.5 113.0 196.0 90.4 70.3 73.5 75.0 68.0 113.0 52.0

Nonfarm nonresidential ....................................... 1,685.1 3.2 183.0 432.9 699.7 366.4 334.5 326.0 275.6 221.4 272.3 255.4

Multifamily residential real estate ........................ 543.6 0.3 26.7 99.8 251.8 164.9 154.8 49.5 143.0 59.6 34.5 102.2

Home equity loans ................................................ 253.8 0.2 12.8 30.9 97.1 112.8 63.9 56.6 61.2 29.1 18.8 24.2

Other 1-4 Family residential ................................. 2,266.8 5.8 140.4 240.5 820.2 1,059.9 374.9 442.4 524.2 415.0 170.9 339.4

Commercial and industrial loans ............................... 2,484.9 2.7 78.2 220.3 825.1 1,358.6 410.2 645.3 600.8 435.5 185.4 207.7

Loans to individuals .................................................... 1,889.2 1.5 24.1 87.9 655.1 1,120.7 375.7 475.6 404.4 298.2 29.1 306.3

Credit card loans ................................................... 885.6 0.0 0.8 15.7 243.5 625.6 165.2 223.5 188.1 203.5 2.5 102.9

Other loans to individuals .................................... 1,003.6 1.5 23.3 72.2 411.6 495.1 210.5 252.1 216.3 94.7 26.7 203.4

All other loans and leases (including farm) ................ 1,825.5 2.8 36.3 61.0 476.1 1,249.3 327.8 387.7 492.0 405.5 63.4 149.1

Total loans and leases ................................................. 11,568.5 20.7 604.1 1,323.6 4,038.5 5,581.7 2,117.3 2,471.9 2,602.2 2,020.8 910.2 1,446.1

Memo: Nonfarm nonres loans not secured by RE ...... 207.1 0.1 2.1 5.5 53.8 145.7 33.9 64.4 52.1 36.3 6.6 13.8

Memo: Other Real Estate Owned (in millions)

All other real estate owned ......................................... $2,544.3 $15.0 $352.4 $582.3 $662.7 $932.0 $341.1 $629.0 $508.9 $467.6 $450.3 $147.3

Construction and development ........................... 448.1 3.6 116.2 177.1 129.7 21.5 35.1 81.8 29.8 91.4 175.9 34.2

Nonfarm nonresidential ....................................... 1,214.1 6.0 144.0 300.4 215.6 548.2 74.1 398.0 215.3 284.1 203.7 39.0

Multifamily residential real estate ........................ 22.0 0.1 10.1 0.5 6.9 4.5 4.5 2.3 10.3 2.3 2.6 0.0

1-4 Family residential ............................................ 779.8 4.9 51.7 76.3 294.1 352.8 227.4 145.8 242.8 63.4 49.3 51.2

Farmland ............................................................... 78.7 0.4 30.4 27.5 16.4 4.0 0.0 0.6 10.8 25.4 18.8 23.0

Other real estate owned in foreign offices ........... 1.5 0.0 0.0 0.5 0.0 1.0 0.0 0.5 0.0 1.0 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
Quarterly Banking Profile

First Quarter 2023 All FDIC-Insured Savings Institutions

2023* 2022* 2022 2021 2020 2019 2018

Return on assets (%) .......................................................................... 0.83 0.98 0.99 1.11 0.85 1.34 1.27

Return on equity (%) .......................................................................... 11.23 10.73 12.24 11.30 8.34 12.30 11.74

Core capital (leverage) ratio (%) ....................................................... 9.91 9.64 9.77 9.69 9.25 10.27 10.29

Noncurrent assets plus

other real estate owned to assets (%) ......................................... 0.70 0.85 0.67 0.94 1.41 1.02 0.91

Net charge-offs to loans (%) .............................................................. 0.73 0.39 0.48 0.40 0.66 0.91 0.81

Asset growth rate (%) ......................................................................... -10.95 0.80 -15.69 10.22 19.41 -5.02 1.45

Net interest margin ............................................................................ 3.32 2.90 3.28 2.78 3.09 3.87 3.85

Net operating income growth (%) .................................................... -25.92 -5.24 -14.31 52.26 -31.26 -0.28 19.73

Number of institutions reporting ...................................................... 576 600 579 607 627 659 691

Percentage of unprofitable institutions (%) .................................... 9.72 12.33 7.60 6.43 9.25 6.68 6.80

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

* Through March 31, ratios annualized where appropriate. Asset growth rates are for 12 months ending March 31.

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

(dollar figures in millions)

Number of institutions reporting ...................................................................................... 576 579 600 -4.0

Total employees (full-time equivalent) ............................................................................ 107,905 108,648 118,644 -9.1

CONDITION DATA

Total assets .......................................................................................................................... $1,288,280 $1,280,561 $1,446,734 -11.0

Loans secured by real estate ......................................................................................... 432,520 428,169 447,073 -3.3

1-4 family residential ................................................................................................. 255,448 253,139 240,834 6.1

Multifamily residential property .............................................................................. 49,508 48,496 77,410 -36.0

Nonfarm nonresidential ........................................................................................... 99,645 99,283 102,721 -3.0

Construction, development, and land .................................................................... 27,829 27,159 26,046 6.9

Commercial & industrial loans ........................................................................................... 44,443 44,024 46,395 -4.2

Loans to individuals ............................................................................................................ 148,485 149,077 133,546 11.2

Other loans & leases ............................................................................................................ 19,752 20,116 30,269 -34.8

Less: Unearned income & contra accounts ...................................................................... 185 204 150 23.4

Total loans & leases ............................................................................................................. 645,015 641,182 657,133 -1.8

Less: Reserve for losses ....................................................................................................... 14,962 14,167 13,507 10.8

Net loans & leases ............................................................................................................... 630,052 627,016 643,626 -2.1

Securities .............................................................................................................................. 507,763 516,222 593,838 -14.5

Other real estate owned ..................................................................................................... 143 123 156 -8.4

Goodwill and other intangibles ......................................................................................... 6,652 6,807 9,951 -33.2

All other assets .................................................................................................................... 143,670 130,393 199,163 -27.9

Total liabilities and capital ................................................................................................. 1,288,280 1,280,561 1,446,734 -11.0

Deposits ........................................................................................................................... 1,043,733 1,081,971 1,242,963 -16.0

Other borrowed funds ................................................................................................... 129,877 87,651 61,272 112.0

Subordinated debt ......................................................................................................... 81 81 4 1,936.5

All other liabilities .......................................................................................................... 17,272 17,793 17,359 -0.5

Equity capital .................................................................................................................. 97,317 93,064 125,136 -22.2

Loans and leases 30-89 days past due .............................................................................. 5,944 5,690 3,802 56.3

Noncurrent loans and leases ............................................................................................. 8,805 8,405 12,133 -27.4

Restructured loans and leases ........................................................................................... 1,034 2,844 2,598 -60.2

Mortgage-backed securities ............................................................................................... 369,419 372,727 457,235 -19.2

Earning assets ...................................................................................................................... 1,223,594 1,214,835 1,377,075 -11.2

FHLB Advances .................................................................................................................... 109,498 72,097 51,168 114.0

Unused loan commitments ................................................................................................ 611,107 607,277 651,595 -6.2

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

1st Quarter

2023

4th Quarter

2022

1st Quarter

2022

%Change 

22Q1-23Q1

INCOME DATA

Total interest income ........................................................................................... $46,515 $41,889 11.0 $14,106 $10,699 31.8

Total interest expense .......................................................................................... 5,575 3,749 48.7 4,006 765 423.3

Net interest income ......................................................................................... 40,941 38,140 7.3 10,100 9,933 1.7

Provision for credit losses .................................................................................... 4,061 336 1,109.2 1,530 613 149.8

Total noninterest income ..................................................................................... 10,524 14,446 -27.2 2,576 3,477 -25.9

Total noninterest expense ................................................................................... 30,449 32,249 -5.6 7,691 8,140 -5.5

Securities gains (losses) ....................................................................................... -384 615 -162.5 -15 -129 N/M

Applicable income taxes ...................................................................................... 3,628 4,642 -21.9 767 1,011 -24.2

Extraordinary gains, net ....................................................................................... 31 0 N/M -4 0 N/M

Net income ....................................................................................................... 12,960 15,960 -18.8 2,662 3,515 -24.3

Net charge-offs ..................................................................................................... 2,905 2,614 11.1 1,165 635 83.6

Cash dividends ...................................................................................................... 13,051 6,497 100.9 1,031 1,735 -40.6

Net operating income ...................................................................................... 13,263 15,478 -14.3 2,685 3,625 -25.9

N/M - Not Meaningful

%Change 

22Q1-23Q1

Full Year 

2022

Full Year 

2021 %Change

1st Quarter

2023

1st Quarter

2022
Quarterly Banking Profile

First Quarter 2023 All FDIC-Insured Savings Institutions

FIRST QUARTER

(The way it is...)

Number of institutions reporting ................................... 576 93 332 134 17 260 46 137 37 66 30

Total assets (in billions) ................................................... $1,288.3 $5.2 $131.8 $322.4 $828.9 $370.5 $52.0 $72.1 $57.5 $577.9 $158.3

Total deposits (in billions) ............................................... 1,043.7 3.9 107.2 258.1 674.6 298.5 37.8 51.5 48.6 478.7 128.7

Net income (in millions) .................................................. 2,661.8 10.4 386.6 667.4 1,597.4 730.9 89.8 310.6 210.3 624.2 696.0

% of unprofitable institutions ......................................... 9.7 24.7 7.8 4.5 5.9 6.9 15.2 12.4 10.8 12.1 6.7

% of institutions with earnings gains ............................. 58.7 50.5 63.3 55.2 41.2 58.5 67.4 56.2 56.8 56.1 66.7

Performance Ratios (annualized, %)

Yield on earning assets .................................................... 4.64 4.19 4.24 4.37 4.80 4.32 4.50 4.24 4.38 3.06 11.64

Cost of funding earning assets ........................................ 1.32 0.93 1.04 1.29 1.37 1.19 2.10 1.65 1.06 1.03 2.37

Net interest margin .......................................................... 3.32 3.25 3.20 3.08 3.43 3.13 2.40 2.60 3.32 2.03 9.26

Noninterest income to earning assets ........................... 0.85 5.00 3.22 0.90 0.43 0.74 0.93 5.26 0.61 0.44 0.67

Noninterest expense to earning assets ......................... 2.53 7.07 4.74 2.76 2.07 2.69 2.38 5.48 1.70 1.80 3.90

Credit loss provision to assets ........................................ 0.48 0.05 0.06 0.08 0.70 0.08 0.04 0.03 0.16 0.09 3.32

Net operating income to assets ...................................... 0.84 0.81 1.20 0.83 0.78 0.78 0.68 1.74 1.52 0.44 1.82

Pretax return on assets .................................................... 1.07 1.06 1.49 1.06 1.01 1.03 0.87 2.17 1.96 0.54 2.37

Return on assets ............................................................... 0.83 0.81 1.18 0.84 0.77 0.80 0.68 1.74 1.49 0.43 1.78

Return on equity ............................................................... 11.23 4.39 9.81 8.05 14.21 7.51 6.66 14.50 20.49 11.83 16.65

Net charge-offs to loans and leases ............................... 0.73 0.02 0.05 0.11 1.33 0.07 0.00 0.08 0.31 0.32 3.19

Loan and lease loss provision to net charge-offs ......... 129.71 349.19 167.80 115.48 130.04 169.95 -1,068.38 42.04 109.26 101.72 131.72

Efficiency ratio .................................................................. 60.14 85.64 73.63 68.98 52.93 69.22 69.84 69.71 43.16 72.81 38.06

Condition Ratios (%)

Earning assets to total assets ......................................... 94.98 92.67 93.50 93.34 95.87 93.05 95.65 93.20 96.00 96.24 95.10

Loss allowance to:

Loans and leases ........................................................ 2.32 0.99 1.00 1.00 3.58 0.95 0.83 0.81 0.94 1.43 7.69

Noncurrent loans and leases .................................... 169.93 110.37 197.93 193.13 164.66 199.38 29.24 194.73 305.87 45.91 521.09

Noncurrent assets plus

other real estate owned to assets ............................ 0.70 0.58 0.38 0.37 0.87 0.36 2.18 0.32 0.15 0.75 1.16

Noncurrent RE loans to RE loans .................................... 1.49 0.88 0.50 0.48 3.17 0.44 3.40 0.43 0.28 5.36 0.45

Equity capital ratio ........................................................... 7.55 18.54 12.12 10.44 5.63 10.66 10.43 12.02 7.47 3.87 10.73

Core capital (leverage) ratio ........................................... 9.91 19.62 13.32 11.36 8.77 11.25 10.66 12.86 9.80 8.23 11.59

Common equity tier 1 capital ratio* .............................. 17.82 35.19 19.15 14.68 19.26 14.49 15.52 17.06 21.88 23.59 14.23

Tier 1 risk-based capital ratio* ........................................ 17.89 35.19 19.15 14.76 19.33 14.49 15.52 17.39 22.01 23.74 14.23

Total risk-based capital ratio* ........................................ 18.77 36.13 20.24 15.71 19.85 15.44 16.47 18.35 22.61 24.33 15.44

Gross real estate assets to gross assets ......................... 61.54 65.27 70.60 69.15 57.14 71.80 65.92 72.77 68.68 63.23 24.22

Gross 1-4 family mortgages to gross assets .................. 19.60 45.66 38.03 29.09 12.86 30.01 37.59 47.22 28.18 10.12 8.70

Net loans and leases to deposits .................................... 60.37 81.13 83.22 85.11 47.15 88.51 103.11 102.55 49.94 28.45 88.32

Structural Changes (YTD)

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

Thrifts absorbed by mergers ..................................... 1 1 0 0 0 0 0 1 0 0 0

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

PRIOR FIRST QUARTERS

(The way it was...)

Number of institutions ........................................ 2022 600 100 345 138 17 275 46 142 39 68 30

 ................................ 2020 652 128 386 121 17 294 53 157 43 71 34

 ................................ 2018 726 155 439 118 14 328 57 178 49 76 38

Total assets (in billions) ...................................... 2022 $1,446.7 $5.6 $133.7 $338.8 $968.6 $433.3 $52.2 $90.4 $48.9 $666.7 $155.2

 ................................ 2020 1,234.6 7.3 145.2 308.3 773.9 380.0 109.0 107.1 40.7 456.7 141.1

 ................................ 2018 1,203.7 8.8 165.8 345.3 683.7 435.3 101.2 110.0 40.4 137.1 379.6

Return on assets (%) ........................................... 2022 0.98 1.39 1.17 0.78 1.02 0.64 0.94 1.78 0.82 0.69 2.73

 ................................ 2020 0.62 0.35 0.87 0.38 0.67 0.27 -1.25 1.21 1.07 0.93 1.43

 ................................ 2018 1.36 1.15 1.16 1.05 1.57 0.89 0.97 1.31 1.16 1.40 2.04

Net charge-offs to loans & leases (%) ............ 2022 0.39 0.05 0.02 0.04 0.69 0.03 -0.01 0.10 0.12 0.20 1.95

 ................................ 2020 0.82 0.01 0.08 0.06 1.57 0.05 0.02 0.20 0.20 0.75 3.92

 ................................ 2018 0.86 0.11 0.09 0.07 1.71 0.05 -0.02 0.20 0.22 0.80 3.30

Noncurrent assets plus

OREO to assets (%) ........................................ 2022 0.85 0.57 0.41 0.42 1.06 0.40 3.27 1.41 0.17 0.95 0.78

 ................................ 2020 0.96 0.88 0.63 0.53 1.20 0.45 3.14 0.94 0.32 0.84 1.27

 ................................ 2018 1.01 1.11 0.77 0.61 1.27 0.50 4.45 0.77 0.67 1.70 0.53

Equity capital ratio (%) ....................................... 2022 8.65 18.44 12.46 10.92 7.27 11.24 11.17 12.61 8.83 5.56 11.46

 ................................ 2020 10.25 17.93 13.81 11.99 8.81 12.33 9.55 11.61 11.41 8.05 10.92

 ................................ 2018 10.82 18.60 12.93 11.84 9.68 11.90 10.60 12.01 12.18 10.09 9.40

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

TABLE III-B. First 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

First Quarter 2023 All FDIC-Insured Savings Institutions

FULL YEAR

(The way it is...)

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

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

Total deposits (in billions) ............................................... 1,082.0 3.9 106.6 267.4 704.1 302.3 38.5 51.7 47.0 518.5 123.9

Net income (in millions) .................................................. 12,959.6 45.7 1,698.6 2,867.2 8,348.1 2,723.2 -252.7 1,500.1 604.4 4,816.4 3,568.1

% of unprofitable institutions ......................................... 7.6 17.9 6.0 4.4 6.3 5.7 15.2 13.9 2.7 3.0 0.0

% of institutions with earnings gains ............................. 53.0 53.7 53.9 49.3 62.5 55.1 63.0 44.5 40.5 63.6 50.0

Performance Ratios (%)

Yield on earning assets .................................................... 3.73 3.54 3.64 3.68 3.76 3.61 3.58 3.56 3.33 2.40 10.15

Cost of funding earning assets ........................................ 0.45 0.49 0.45 0.49 0.43 0.43 0.91 0.77 0.52 0.24 1.06

Net interest margin .......................................................... 3.28 3.05 3.18 3.18 3.33 3.18 2.67 2.79 2.81 2.17 9.08

Noninterest income to earning assets ........................... 0.84 5.47 3.50 0.95 0.39 0.80 -0.47 5.92 0.80 0.48 0.71

Noninterest expense to earning assets ......................... 2.44 7.04 4.78 2.71 1.97 2.73 2.78 5.70 1.83 1.61 3.99

Credit loss provision to assets ........................................ 0.31 0.02 0.06 0.09 0.43 0.09 -0.06 0.03 0.14 0.06 2.28

Net operating income to assets ...................................... 1.01 1.04 1.37 0.98 0.97 0.84 -0.31 2.20 1.19 0.75 2.45

Pretax return on assets .................................................... 1.27 1.14 1.67 1.14 1.26 0.98 -0.70 2.76 1.53 0.96 3.25

Return on assets ............................................................... 0.99 0.88 1.33 0.89 0.98 0.76 -0.48 2.19 1.17 0.76 2.46

Return on equity ............................................................... 12.24 4.49 10.83 8.39 15.18 6.96 -4.35 17.73 14.67 15.22 21.32

Net charge-offs to loans and leases ............................... 0.48 0.04 0.03 0.07 0.89 0.06 -0.01 -0.01 0.20 0.23 2.14

Loan and lease loss provision to net charge-offs ......... 139.33 78.24 263.09 178.22 135.88 208.40 709.26 -440.49 160.57 124.26 136.57

Efficiency ratio .................................................................. 58.14 82.59 71.38 65.28 51.46 68.20 99.94 65.40 50.57 60.84 39.48

Condition Ratios (%)

Earning assets to total assets ......................................... 94.87 92.83 93.33 93.09 95.85 92.80 95.87 93.09 95.63 96.32 94.61

Loss allowance to:

Loans and leases ........................................................ 2.21 0.96 0.96 1.00 3.43 0.96 0.76 0.81 0.88 0.92 7.64

Noncurrent loans and leases .................................... 168.55 103.35 183.83 198.29 162.73 198.30 24.50 195.30 260.45 32.01 560.86

Noncurrent assets plus

other real estate owned to assets ............................ 0.67 0.59 0.39 0.36 0.84 0.37 2.28 0.32 0.17 0.68 1.10

Noncurrent RE loans to RE loans .................................... 1.44 0.93 0.50 0.48 3.20 0.45 3.77 0.44 0.33 5.00 0.46

Equity capital ratio ........................................................... 7.26 19.63 11.92 10.31 5.20 10.54 9.91 11.92 7.08 3.44 10.70

Core capital (leverage) ratio ........................................... 9.77 20.61 13.31 11.19 8.58 11.24 10.47 12.73 9.54 7.94 11.91

Common equity tier 1 capital ratio* .............................. 17.63 37.99 19.09 14.64 18.71 14.34 15.34 18.06 20.74 23.07 14.41

Tier 1 risk-based capital ratio* ........................................ 17.69 37.99 19.09 14.72 18.78 14.34 15.34 18.40 20.87 23.22 14.41

Total risk-based capital ratio* ........................................ 18.55 38.90 20.15 15.66 19.56 15.27 16.26 19.34 21.46 23.78 15.60

Gross real estate assets to gross assets ......................... 61.86 65.46 70.16 69.95 57.24 71.96 62.23 72.10 68.98 63.83 24.75

Gross 1-4 family mortgages to gross assets .................. 19.55 44.88 37.74 30.33 12.13 30.14 36.35 46.99 29.05 9.87 8.78

Net loans and leases to deposits .................................... 57.95 80.64 82.16 84.78 43.97 87.32 100.91 99.66 51.25 25.98 91.83

Structural Changes

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

Thrifts absorbed by mergers ..................................... 19 2 12 3 2 13 0 2 1 3 0

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

PRIOR FULL YEARS

(The way it was...)

Number of institutions ........................................... 2021 607 105 347 137 18 277 49 143 39 69 30

 ................................ 2019 659 134 393 117 15 297 53 159 44 70 36

 ................................ 2017 752 169 451 118 14 331 62 195 49 77 38

Total assets (in billions) .......................................... 2021 $1,518.8 $5.9 $136.9 $350.5 $1,025.5 $431.4 $142.0 $92.1 $46.6 $652.4 $154.3

 ................................ 2019 1,153.9 7.8 150.4 316.6 679.0 373.4 101.7 105.9 46.2 154.9 371.9

 ................................ 2017 1,197.5 9.5 170.0 340.0 678.1 436.7 102.6 111.5 41.2 134.1 371.5

Return on assets (%) ............................................... 2021 1.11 1.35 1.53 1.12 1.05 1.03 0.45 2.30 1.06 0.62 3.23

 ................................ 2019 1.34 1.18 1.33 1.02 1.50 0.89 0.80 1.63 1.12 0.88 2.08

 ................................ 2017 1.10 0.48 0.93 0.87 1.27 0.73 0.64 1.12 0.96 1.06 1.70

Net charge-offs to loans & leases (%) .................. 2021 0.40 0.02 0.01 0.06 0.70 0.04 0.04 -0.03 0.11 0.28 2.08

 ................................ 2019 0.91 0.04 0.08 0.11 1.76 0.07 -0.01 0.24 0.29 0.81 3.71

 ................................ 2017 0.77 0.06 0.10 0.10 1.52 0.07 -0.03 0.26 0.19 0.90 2.88

Noncurrent assets plus

OREO to assets (%) ........................................... 2021 0.94 0.60 0.42 0.45 1.18 0.43 1.40 0.73 0.18 1.31 0.74

 ................................ 2019 1.02 0.92 0.61 0.47 1.36 0.44 3.31 0.91 0.44 2.36 0.51

 ................................ 2017 0.99 1.16 0.80 0.59 1.24 0.52 4.26 0.76 0.70 1.52 0.55

Equity capital ratio (%) .......................................... 2021 9.66 18.35 13.16 11.67 8.45 11.73 10.26 12.75 10.29 7.17 11.78

 ................................ 2019 10.83 19.64 13.71 12.44 9.34 12.53 10.75 12.13 12.05 10.06 8.95

 ................................ 2017 10.75 17.31 13.00 11.73 9.60 11.99 10.16 11.89 11.98 10.08 9.23

TABLE IV-B. Full Year 2022, 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

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

First Quarter 2023 All FDIC-Insured Savings Institutions

MARCH 31, 2023

Percent of Loans 30-89 Days Past Due

All loans secured by real estate .................................... 0.86 1.55 0.44 0.24 1.78 0.25 0.90 0.31 0.33 3.45 0.20

Construction, development, and land ................... 0.28 0.37 0.34 0.30 0.19 0.25 0.39 0.47 0.71 0.45 0.00

Nonfarm nonresidential ......................................... 0.18 1.35 0.36 0.11 0.18 0.20 0.04 0.23 0.04 0.19 0.10

Multifamily residential real estate .......................... 0.09 0.00 0.10 0.08 0.10 0.11 0.01 0.05 0.00 0.02 0.08

Home equity loans .................................................. 0.35 1.94 0.56 0.28 0.32 0.38 0.57 0.24 0.31 0.43 0.18

Other 1-4 Family residential ................................... 1.40 1.68 0.53 0.35 2.71 0.32 1.33 0.37 0.36 4.48 0.37

Commercial and industrial loans ................................. 0.44 0.84 0.54 0.33 0.53 0.30 0.23 0.77 0.52 0.48 0.92

Loans to individuals ...................................................... 1.32 1.30 1.36 0.66 1.36 0.68 1.23 0.55 0.85 0.39 1.94

Credit card loans ..................................................... 1.77 0.00 0.34 2.06 1.76 1.37 1.40 1.18 3.74 0.60 1.98

Other loans to individuals ....................................... 0.47 1.30 1.37 0.50 0.41 0.67 1.23 0.34 0.37 0.29 1.35

Total loans and leases .................................................. 0.92 1.51 0.47 0.28 1.47 0.27 0.71 0.41 0.38 2.05 1.46

Percent of Loans Noncurrent*

All real estate loans ....................................................... 1.49 0.88 0.50 0.48 3.17 0.44 3.40 0.43 0.28 5.36 0.45

Construction, development, and land ................... 0.40 0.61 0.45 0.25 0.66 0.43 0.30 0.11 0.13 0.52 0.38

Nonfarm nonresidential ......................................... 0.49 0.48 0.44 0.42 0.62 0.46 2.02 0.59 0.23 0.13 0.17

Multifamily residential real estate .......................... 0.27 0.58 0.23 0.21 0.39 0.29 0.01 0.04 0.10 0.00 0.61

Home equity loans .................................................. 0.61 0.74 0.83 0.43 0.69 0.40 1.79 0.33 0.16 0.87 1.54

Other 1-4 Family residential ................................... 2.34 0.97 0.54 0.64 4.68 0.49 4.59 0.51 0.31 6.99 0.44

Commercial and industrial loans ................................. 0.80 1.35 0.74 1.04 0.56 0.82 1.08 0.44 0.35 0.71 0.99

Loans to individuals ...................................................... 1.28 0.94 0.43 0.38 1.35 0.43 0.94 0.29 0.52 0.43 1.88

Credit card loans ..................................................... 1.83 0.00 0.21 1.13 1.84 0.89 1.35 0.47 2.07 1.13 1.97

Other loans to individuals ....................................... 0.22 0.94 0.43 0.30 0.19 0.42 0.94 0.23 0.26 0.13 0.44

Total loans and leases .................................................. 1.37 0.90 0.51 0.52 2.17 0.48 2.83 0.42 0.31 3.12 1.48

Percent of Loans Charged-Off (net, annual)

All real estate loans ....................................................... 0.00 0.01 0.00 0.02 0.00 0.00 0.00 0.05 0.00 -0.01 0.01

Construction, development, and land ................... -0.01 -0.01 0.00 0.00 -0.03 -0.01 -0.02 0.01 0.00 0.00 0.00

Nonfarm nonresidential ......................................... 0.00 0.00 0.00 0.00 0.02 0.01 0.00 0.01 0.00 0.00 0.00

Multifamily residential real estate .......................... 0.00 0.00 -0.07 0.01 0.00 -0.01 0.00 0.00 0.00 0.00 0.00

Home equity loans .................................................. -0.02 0.00 0.03 -0.02 -0.03 -0.01 0.00 -0.06 -0.12 0.00 0.07

Other 1-4 Family residential ................................... 0.01 0.01 0.00 0.03 -0.01 0.00 0.00 0.08 0.00 -0.01 0.01

Commercial and industrial loans ................................. 0.52 -0.05 0.32 0.41 0.68 0.38 -0.02 0.33 0.08 0.07 2.26

Loans to individuals ...................................................... 2.96 0.48 1.09 1.43 3.09 0.85 0.30 0.95 3.56 0.88 4.37

Credit card loans ..................................................... 4.08 0.00 -0.16 8.11 4.04 2.89 2.51 2.47 19.62 1.92 4.43

Other loans to individuals ............................................ 0.79 0.48 1.09 0.59 0.80 0.80 0.27 0.43 0.88 0.41 3.30

Total loans and leases .................................................. 0.73 0.02 0.05 0.11 1.33 0.07 0.00 0.08 0.31 0.32 3.19

Loans Outstanding (in billions)

All real estate loans ....................................................... $432.5 $2.9 $81.5 $187.3 $160.9 $230.0 $29.0 $46.7 $21.2 $75.2 $30.5

Construction, development, and land ................... 27.8 0.2 5.5 14.6 7.6 16.4 1.0 1.4 1.2 3.7 4.1

Nonfarm nonresidential .......................................... 97.7 0.2 18.4 48.3 30.8 68.3 5.3 4.1 2.8 10.8 6.4

Multifamily residential real estate .......................... 49.5 0.1 5.7 29.4 14.3 33.2 3.0 6.3 0.6 1.2 5.3

Home equity loans .................................................. 16.0 0.1 2.9 6.5 6.4 7.9 1.0 3.6 0.4 1.9 1.2

Other 1-4 Family residential ................................... 239.5 2.3 47.6 87.9 101.7 104.0 18.7 30.7 15.9 56.8 13.4

Commercial and industrial loans ................................. 44.4 0.1 4.8 20.3 19.2 25.4 1.3 1.8 0.8 9.8 5.5

Loans to individuals ...................................................... 148.5 0.1 2.7 8.6 137.1 8.1 0.4 2.1 2.1 49.3 86.6

Credit card loans ..................................................... 97.2 0.0 0.0 0.9 96.3 0.2 0.0 0.5 0.3 15.0 81.2

Other loans to individuals ....................................... 51.3 0.1 2.7 7.6 40.9 7.9 0.4 1.6 1.8 34.3 5.3

Total loans and leases .................................................. 645.2 3.2 90.1 222.0 329.9 266.7 39.3 53.3 24.6 138.2 123.2

Memo: Other Real Estate Owned (in millions)

All other real estate owned .......................................... $143.0 $1.5 $45.1 $56.8 $39.7 $72.6 $12.5 $12.4 $13.3 $18.8 $13.4

Construction, development, and land ................... 24.8 0.1 12.6 12.0 0.1 12.4 1.2 4.5 3.2 3.6 0.0

Nonfarm nonresidential .......................................... 48.9 0.4 13.0 27.6 7.9 28.9 3.1 1.6 5.3 9.3 0.7

Multifamily residential real estate .......................... 5.4 0.0 0.3 5.1 0.0 5.1 0.0 0.1 0.0 0.2 0.0

1-4 Family residential .............................................. 63.3 0.9 19.3 11.4 31.8 26.2 8.3 5.6 4.8 5.7 12.7

Troubled Real Estate Asset Rates**

(% of total RE assets)

All real estate loans ....................................................... 1.52 0.93 0.55 0.51 3.19 0.48 3.44 0.45 0.34 5.38 0.49

Construction, development, and land ................... 0.49 0.69 0.68 0.33 0.66 0.51 0.41 0.43 0.40 0.62 0.38

Nonfarm nonresidential ......................................... 0.54 0.58 0.50 0.48 0.65 0.50 2.06 0.62 0.38 0.23 0.18

Multifamily residential real estate .......................... 0.28 0.58 0.24 0.23 0.39 0.31 0.01 0.04 0.10 0.02 0.61

1-4 Family residential .............................................. 2.25 1.01 0.60 0.64 4.47 0.51 4.48 0.51 0.34 6.81 0.61

* 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