All FDIC-Insured Commercial Banks

Quarterly Banking Profile

Fourth Quarter 2020

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

Return on assets (%)............................................. 0.71 1.29 1.35 0.96 1.02 1.04 1.00

Return on equity (%)............................................. 6.79 11.32 11.99 8.49 9.12 9.25 8.95

Core capital (leverage) ratio (%).............................. 8.78 9.61 9.66 9.57 9.41 9.51 9.34

Noncurrent assets plus

other real estate owned to assets (%).................. 0.56 0.52 0.58 0.71 0.84 0.95 1.17

Net charge-offs to loans (%)................................. 0.49 0.49 0.46 0.48 0.46 0.43 0.49

Asset growth rate (%).......................................... 17.23 4.56 3.15 3.78 4.93 2.89 5.86

Net interest margin (%).......................................... 2.80 3.32 3.37 3.21 3.09 3.04 3.12

Net operating income growth (%)........................... -38.97 -3.33 47.56 -2.74 3.23 8.02 -1.43

Number of institutions reporting.............................. 4,374 4,518 4,715 4,918 5,112 5,338 5,607

Percentage of unprofitable institutions (%)............... 3.93 3.32 2.95 4.72 3.85 4.12 5.23

Number of failed institutions.................................... 4 3 0 6 5 8 14

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

(dollar figures in millions)

Number of institutions reporting.......................................... 4,374 4,401 4,518 -3.2

Total employees (full-time equivalent).................................... 1,943,259 1,951,282 1,941,522 0.1

CONDITION DATA

 Total assets.................................................................. $20,505,942 $19,897,533 $17,491,421 17.2

 Loans secured by real estate.......................................... 4,678,239 4,704,861 4,604,496 1.6

 Commercial & industrial loans.......................................... 2,378,395 2,477,482 2,158,898 10.2

 Loans to individuals...................................................... 1,615,388 1,584,131 1,695,525 -4.7

 Farm loans.................................................................. 68,707 72,481 75,426 -8.9

 Other loans & leases...................................................... 1,465,493 1,413,928 1,330,903 10.1

 Less: Unearned income................................................... 2,997 3,403 2,204 35.9

 Total loans & leases...................................................... 10,203,225 10,249,481 9,863,044 3.4

 Less: Reserve for losses................................................ 220,582 228,520 114,160 93.2

 Net loans and leases...................................................... 9,982,643 10,020,961 9,748,884 2.4

 Securities..................................................................... 4,545,791 4,272,867 3,596,612 26.4

 Other real estate owned................................................... 4,419 4,316 5,406 -18.3

 Goodwill and other intangibles.......................................... 376,626 375,251 396,813 -5.1

 All other assets............................................................... 5,596,462 5,224,138 3,743,706 49.5

Total liabilities and capital................................................... 20,505,942 19,897,533 17,491,421 17.2

 Noninterest-bearing deposits............................................. 4,656,586 4,425,643 3,205,376 45.3

 Interest-bearing deposits.................................................. 12,027,624 11,607,750 10,408,877 15.6

 Other borrowed funds...................................................... 1,010,946 1,121,826 1,282,537 -21.2

 Subordinated debt......................................................... 68,222 68,463 69,926 -2.4

 All other liabilities............................................................ 649,200 620,546 536,052 21.1

 Equity capital.................................................................. 2,093,363 2,053,306 1,988,654 5.3

Loans and leases 30-89 days past due................................. 58,549 53,905 61,344 -4.6

Noncurrent loans and leases............................................. 109,266 109,724 83,995 30.1

Restructured loans and leases............................................. 46,471 46,794 45,575 2.0

1-4 Family residential mortgages.......................................... 2,265,520 2,305,817 2,290,261 -1.1

Mortgage-backed securities................................................ 2,583,328 2,386,749 2,101,808 22.9

Earning assets.................................................................. 18,603,625 18,060,358 15,774,622 17.9

Long-term assets (5+ years)................................................ 5,531,801 5,235,320 4,727,619 17.0

Volatile liabilities............................................................... 2,560,333 2,569,358 2,688,142 -4.8

Foreign office deposits...................................................... 1,533,793 1,446,585 1,315,292 16.6

FHLB Advances............................................................... 194,386 242,344 406,487 -52.2

Unused loan commitments................................................ 7,839,093 7,805,560 7,615,651 2.9

Off-balance-sheet derivatives............................................. 165,591,385 180,984,833 172,960,975 -4.3

INCOME DATA 

Total interest income......................................... $559,926 $653,677 -14.3 $132,473 $161,015 -17.7

Total interest expense......................................... 70,462 148,382 -52.5 10,688 34,365 -68.9

 Net interest income.......................................... 489,464 505,295 -3.1 121,785 126,650 -3.8

Provision for credit losses.................................... 124,564 49,853 149.9 2,560 13,572 -81.1

Total noninterest income.................................... 265,838 251,955 5.5 66,339 62,602 6.0

Total noninterest expense.................................... 467,394 436,659 7.0 116,783 113,804 2.6

Securities gains (losses).................................... 7,531 3,495 115.5 1,209 2,759 -56.2

Applicable income taxes.................................... 33,405 56,567 -41.0 13,704 13,093 4.7

Extraordinary gains, net....................................... -102 163 N/M 8 -3 N/M

 Net income................................................... 137,137 217,598 -37.0 56,234 51,490 9.2

Net charge-offs................................................ 49,837 46,375 7.5 10,485 12,630 -17.0

Cash dividends.................................................. 79,574 169,303 -53.0 20,384 44,994 -54.7

 Net operating income....................................... 131,111 214,845 -39.0 55,175 49,336 11.8

N/M - Not meaningful

4th Quarter

2020

Full Year

%Change 2020

4th Quarter

2020

Full Year

2019

2020 2019 2018 2017

2019

4th Quarter

19Q4-20Q4

%Change

19Q4-20Q4

2016 2015 2014

2020

3rd Quarter 4th Quarter

2019

%Change
Quarterly Banking Profile

Fourth Quarter 2020 All FDIC-Insured Commercial Banks

FULL YEAR San

(The way it is...)

Number of institutions reporting................................. 4,374 826 2,769 644 123 12 308 517 922 1,252 1,038 337

Total assets (in billions)............................................. $20,505.9 $50.1 $959.5 $1,726.9 $5,814.7 $11,954.6 $3,596.5 $4,360.6 $5,108.7 $4,110.6 $1,241.5 $2,088.1

Total deposits (in billions).......................................... 16,684.2 42.2 812.1 1,428.9 4,798.8 9,602.1 2,977.3 3,617.6 3,971.4 3,335.8 1,038.1 1,744.1

Net income (in millions)............................................. 137,137 422 10,691 18,281 39,477 68,266 20,892 24,987 39,720 19,518 12,562 19,459

% of unprofitable institutions....................................... 3.9 9.2 2.7 1.4 10.6 0.0 7.5 6.4 2.4 2.3 3.9 7.1

% of institutions with earnings gains........................... 53.7 38.7 59.6 54.5 21.1 16.7 47.4 48.2 60.0 56.7 49.9 51.3

Performance ratios (%)

Yield on earning assets............................................. 3.21 4.07 4.23 4.06 3.83 2.68 3.08 3.29 2.78 3.21 3.84 3.86

Cost of funding earning assets.................................... 0.40 0.58 0.62 0.56 0.53 0.30 0.47 0.35 0.29 0.41 0.47 0.60

Net interest margin................................................... 2.80 3.49 3.61 3.50 3.30 2.39 2.62 2.93 2.49 2.80 3.37 3.26

Noninterest income to earning assets........................... 1.52 1.10 1.14 1.41 1.45 1.61 1.38 1.37 1.89 1.26 1.43 1.80

Noninterest expense to earning assets........................ 2.68 3.42 3.07 2.94 2.85 2.52 2.45 2.71 2.60 2.70 2.90 2.99

Credit loss provision to assets.................................... 0.65 0.13 0.24 0.45 0.82 0.62 0.64 0.70 0.55 0.75 0.48 0.65

Net operating income to assets................................. 0.68 0.85 1.16 1.11 0.70 0.57 0.60 0.58 0.82 0.43 1.07 0.96

Pretax return on assets............................................. 0.88 0.99 1.38 1.41 0.96 0.73 0.77 0.76 1.06 0.55 1.30 1.34

Return on assets...................................................... 0.71 0.89 1.20 1.14 0.72 0.60 0.62 0.61 0.84 0.49 1.10 1.00

Return on equity...................................................... 6.79 6.71 10.69 10.32 6.38 6.10 5.76 5.45 8.53 4.98 9.45 9.31

Net charge-offs to loans and leases........................... 0.49 0.15 0.13 0.24 0.60 0.52 0.55 0.55 0.42 0.53 0.27 0.49

Loan and lease loss provision to net charge-offs............ 248.91 154.52 274.53 266.01 213.97 275.29 230.18 238.42 278.97 276.01 268.98 199.58

Efficiency ratio......................................................... 59.91 74.41 64.33 58.91 54.89 62.56 58.63 60.10 59.07 65.34 59.80 54.38

Condition Ratios (%)

Earning assets to total assets.................................... 90.72 91.95 93.68 92.91 92.14 89.47 90.68 90.35 89.98 90.19 91.84 93.80

Loss allowance to:

Loans and leases................................................ 2.16 1.49 1.40 1.45 2.20 2.40 2.16 2.33 2.21 2.38 1.45 1.88

Noncurrent loans and leases................................. 201.88 130.30 176.88 177.79 225.11 194.48 176.66 246.97 202.06 168.65 170.13 290.55

Noncurrent assets plus

other real estate owned to assets........................... 0.56 0.74 0.60 0.64 0.62 0.51 0.61 0.49 0.51 0.70 0.60 0.44

Equity capital ratio................................................... 10.20 12.88 10.93 10.80 10.98 9.66 10.35 10.81 9.54 9.79 11.31 10.38

Core capital (leverage) ratio....................................... 8.78 12.48 10.50 9.96 9.51 8.11 8.82 8.58 8.32 8.83 9.58 9.71

Common equity tier 1 capital ratio*........................... 13.72 21.09 15.21 13.81 13.45 13.76 13.66 13.40 13.97 13.75 13.01 14.25

Tier 1 risk-based capital ratio*.................................... 13.81 21.10 15.23 13.84 13.66 13.80 13.74 13.50 14.03 13.84 13.10 14.42

Total risk-based capital ratio*.................................... 15.36 22.17 16.38 15.00 15.18 15.45 15.31 15.02 15.46 15.74 14.45 15.75

Net loans and leases to deposits................................. 59.83 61.90 73.83 80.84 72.92 48.97 57.16 58.42 55.01 58.01 73.56 73.64

Structural Changes (YTD)

New reporters................................................... 6 4 2 0 0 0 0 4 0 0 0 2

Banks absorbed by mergers................................. 147 38 91 16 2 0 23 15 31 34 39 5

Failed banks...................................................... 4 1 3 0 0 0 0 2 0 2 0 0

PRIOR FULL YEARS

 (The way it was...)

Number of institutions................................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

 ...............................................2015 5,338 1,483 3,279 485 83 8 394 689 1,117 1,482 1,226 430

Total assets (in billions).............................2019 $17,491.4 $60.7 $937.5 $1,437.3 $5,392.6 $9,663.4 $3,034.3 $3,745.8 $4,129.4 $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

 ................................................2015 14,893.2 87.6 1,014.8 1,390.9 4,577.4 7,822.6 2,654.9 3,293.4 3,392.0 3,389.1 831.8 1,332.0

Return on assets (%)................................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

 ................................................2015 1.04 0.86 1.07 1.15 0.98 1.05 0.92 1.05 0.95 1.17 1.07 1.14

Net charge-offs to loans & leases (%) 

 ................................................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

 ................................................2015 0.43 0.20 0.16 0.24 0.49 0.48 0.57 0.50 0.26 0.53 0.17 0.27

Noncurrent assets plus 

OREO to assets (%)..............................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

 ................................................2015 0.95 1.22 1.12 0.96 0.66 1.09 0.75 1.04 0.93 1.20 0.90 0.53

Equity capital ratio (%)..............................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

 ................................................2015 11.25 12.04 10.98 11.62 12.29 10.60 11.77 12.27 10.43 10.21 11.10 12.53

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

$10 Billion

$100 Million

All

Institutions

Than $100

Less

Million

Than $250

Billion

to 

$1 Billion

$1 Billion

New York

to

$250 Billion

to

Atlanta Chicago Dallas Francisco

Kansas

City

TABLE III-A. Full Year 2020, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Region

$10 Billion Greater
All FDIC-Insured Commercial Banks

Quarterly Banking Profile

Fourth Quarter 2020

FOURTH QUARTER San

(The way it is...)

Number of institutions reporting................................. 4,374 826 2,769 644 123 12 308 517 922 1,252 1,038 337

Total assets (in billions)............................................. $20,505.9 $50.1 $959.5 $1,726.9 $5,814.7 $11,954.6 $3,596.5 $4,360.6 $5,108.7 $4,110.6 $1,241.5 $2,088.1

Total deposits (in billions).......................................... 16,684.2 42.2 812.1 1,428.9 4,798.8 9,602.1 2,977.3 3,617.6 3,971.4 3,335.8 1,038.1 1,744.1

Net income (in millions)............................................. 56,234.4 82.0 2,770.5 5,586.4 20,096.2 27,699.3 8,043.5 11,837.8 15,203.4 8,984.5 3,874.5 8,290.6

% of unprofitable institutions....................................... 6.6 19.1 4.4 1.2 0.8 0.0 3.9 6.0 5.0 8.2 7.8 4.7

% of institutions with earnings gains........................... 56.8 39.5 58.1 73.0 59.3 50.0 69.5 59.0 58.0 51.8 53.4 67.7

Performance Ratios (annualized, %)

Yield on earning assets............................................. 2.89 3.78 3.96 3.84 3.53 2.33 2.78 2.97 2.46 2.87 3.57 3.57

Cost of funding earning assets.................................... 0.23 0.47 0.48 0.40 0.33 0.14 0.28 0.20 0.14 0.23 0.33 0.39

Net interest margin................................................... 2.66 3.31 3.48 3.44 3.19 2.20 2.50 2.76 2.32 2.64 3.24 3.18

Noninterest income to earning assets........................... 1.45 1.13 1.21 1.45 1.45 1.47 1.31 1.32 1.75 1.15 1.36 1.84

Noninterest expense to earning assets........................ 2.55 3.54 3.08 2.93 2.63 2.40 2.37 2.55 2.40 2.67 2.80 2.81

Credit loss provision to assets.................................... 0.05 0.14 0.20 0.26 0.10 -0.02 0.19 0.05 -0.05 0.03 0.15 0.04

Net operating income to assets................................. 1.09 0.63 1.15 1.26 1.39 0.92 0.91 1.09 1.20 0.82 1.25 1.59

Pretax return on assets............................................. 1.38 0.74 1.34 1.62 1.77 1.17 1.13 1.34 1.57 1.03 1.52 2.08

Return on assets...................................................... 1.11 0.66 1.17 1.31 1.40 0.94 0.91 1.10 1.22 0.88 1.26 1.61

Return on equity...................................................... 10.86 5.09 10.65 12.13 12.71 9.69 8.70 10.15 12.61 9.01 11.14 15.48

Net charge-offs to loans and leases.............................. 0.41 0.17 0.16 0.27 0.49 0.42 0.48 0.41 0.38 0.42 0.25 0.45

Loan and lease loss provision to net charge-offs............ 25.28 146.38 192.26 140.55 35.20 -9.45 78.82 26.17 -27.92 17.20 91.02 13.48

Efficiency ratio......................................................... 61.49 79.57 65.48 59.12 55.92 64.99 61.18 61.82 58.56 70.09 60.27 55.11

Structural Changes (QTR)

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

Banks absorbed by mergers................................. 28 9 16 3 0 0 4 3 6 10 5 0

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

PRIOR FOURTH QUARTERS

 (The way it was...)

Return on assets (%)................................2019 1.19 0.83 1.22 1.32 1.30 1.11 1.04 1.16 1.27 1.02 1.30 1.64

 .................................................2017 0.56 0.65 0.88 0.75 0.72 0.39 0.59 0.69 0.83 -0.14 0.94 0.94

 .................................................2015 1.02 0.71 1.19 1.08 0.98 1.02 0.87 1.02 1.01 1.09 0.99 1.23

Net charge-offs to loans & leases (%)

 .................................................2019 0.52 0.30 0.26 0.25 0.62 0.54 0.58 0.61 0.46 0.56 0.19 0.52

 .................................................2017 0.52 0.33 0.25 0.33 0.66 0.51 0.76 0.71 0.26 0.56 0.24 0.39

 .................................................2015 0.48 0.34 0.24 0.35 0.50 0.54 0.63 0.55 0.28 0.60 0.28 0.32

$10 Billion $250 Billion

$100 Million

Institutions

Less

Than $100

Million $1 Billion

to

$10 Billion

Billion New York Atlanta

Greater

Than $250

TABLE IV-A. Fourth Quarter 2020, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Region

All

$1 Billion

to to

Chicago City Francisco

Kansas

Dallas
Quarterly Banking Profile

Fourth Quarter 2020 All FDIC-Insured Commercial Banks

December 31, 2020 San

Percent of Loans 30-89 Days Past Due

All loans secured by real estate........................... 0.59 0.90 0.51 0.33 0.42 0.89 0.57 0.57 0.56 0.98 0.42 0.29

Construction and development........................ 0.44 0.99 0.50 0.30 0.33 0.76 0.58 0.43 0.34 0.74 0.31 0.28

Nonfarm nonresidential................................. 0.34 0.70 0.35 0.23 0.29 0.55 0.45 0.29 0.35 0.41 0.26 0.27

Multifamily residential real estate..................... 0.26 0.25 0.24 0.16 0.28 0.30 0.34 0.19 0.31 0.24 0.31 0.10

Home equity loans.......................................... 0.52 0.24 0.37 0.34 0.54 0.56 0.46 0.50 0.52 0.73 0.48 0.34

Other 1-4 Family residential.............................. 0.91 1.26 0.81 0.62 0.58 1.18 0.78 0.85 0.79 1.55 0.75 0.36

Commercial and industrial loans........................... 0.26 0.85 0.43 0.25 0.22 0.27 0.27 0.21 0.29 0.25 0.29 0.26

Loans to individuals............................................. 1.22 1.51 1.53 1.35 1.08 1.30 1.06 1.75 0.82 1.11 1.68 1.20

Credit card loans.......................................... 1.05 1.05 1.73 2.81 1.10 0.97 1.18 1.31 0.80 1.04 0.87 0.74

Other loans to individuals................................. 1.37 1.52 1.51 1.03 1.07 1.64 0.98 2.13 0.84 1.22 1.71 1.39

All other loans and leases (including farm)............... 0.32 0.45 0.39 0.27 0.25 0.35 0.27 0.16 0.40 0.41 0.31 0.27

Total loans and leases....................................... 0.57 0.86 0.53 0.37 0.47 0.70 0.54 0.64 0.51 0.73 0.42 0.46

Memo: Nonfarm nonres loans not secured by RE...... 0.29 0.22 0.01 0.10 0.18 0.37 0.12 0.16 0.56 0.10 0.29 0.39

Percent of Loans Noncurrent*

All real estate loans............................................. 1.43 1.19 0.82 0.84 1.21 2.05 1.75 1.19 1.68 2.00 0.91 0.58

Construction and development........................ 0.64 0.83 0.63 0.55 0.43 1.13 1.26 0.46 0.99 0.35 0.31 0.49

Nonfarm nonresidential................................. 1.00 1.27 0.82 0.81 1.03 1.24 1.31 0.82 1.19 1.25 0.68 0.75

Multifamily residential real estate..................... 0.24 1.05 0.26 0.22 0.19 0.32 0.27 0.41 0.15 0.53 0.19 0.10

Home equity loans.......................................... 2.17 0.33 0.43 0.61 1.35 3.26 2.24 1.52 2.67 3.38 1.03 0.77

Other 1-4 Family residential.............................. 2.04 1.10 0.84 1.20 1.77 2.54 2.73 1.60 2.25 2.77 1.64 0.53

Commercial and industrial loans........................... 0.99 1.25 0.64 0.86 0.92 1.11 0.92 0.89 0.93 1.44 0.92 0.81

Loans to individuals............................................. 0.85 0.79 0.66 0.84 0.84 0.86 0.92 1.02 0.55 0.90 1.06 0.78

Credit card loans.......................................... 1.13 0.69 1.58 2.38 1.20 1.06 1.38 1.28 0.92 1.12 0.51 0.82

Other loans to individuals................................. 0.60 0.79 0.60 0.50 0.56 0.65 0.58 0.80 0.23 0.51 1.09 0.77

All other loans and leases (including farm)............... 0.32 1.02 0.96 0.38 0.37 0.28 0.29 0.13 0.38 0.41 0.26 0.40

Total loans and leases....................................... 1.07 1.15 0.79 0.82 0.98 1.24 1.22 0.94 1.09 1.41 0.85 0.65

Memo: Nonfarm nonres loans not secured by RE...... 0.26 0.60 0.26 0.31 0.45 0.16 0.28 0.14 0.16 0.41 0.34 0.67

Percent of Loans Charged-Off (net, YTD)

All real estate loans............................................. 0.05 0.04 0.04 0.05 0.05 0.04 0.06 0.06 0.03 0.05 0.04 0.03

Construction and development........................ 0.01 0.00 0.02 0.04 0.01 -0.01 0.01 0.02 0.03 -0.03 0.02 0.04

Nonfarm nonresidential................................. 0.14 0.06 0.07 0.08 0.14 0.22 0.14 0.15 0.20 0.18 0.07 0.08

Multifamily residential real estate..................... 0.01 0.00 -0.01 0.02 0.01 0.00 0.01 0.03 0.00 0.01 0.01 -0.01

Home equity loans.......................................... -0.05 0.12 0.03 0.01 0.00 -0.10 0.00 -0.08 -0.02 -0.10 -0.02 -0.03

Other 1-4 Family residential.............................. -0.01 0.03 0.02 0.02 0.00 -0.02 0.02 0.00 -0.04 0.00 0.02 -0.01

Commercial and industrial loans........................... 0.53 0.38 0.25 0.40 0.67 0.49 0.40 0.48 0.55 0.49 0.88 0.65

Loans to individuals............................................. 1.99 0.46 0.97 1.86 2.17 1.90 2.27 1.95 1.65 2.49 0.88 1.67

Credit card loans.......................................... 3.40 3.63 4.84 7.06 3.76 3.08 3.86 3.38 3.01 3.48 2.36 3.31

Other loans to individuals................................. 0.74 0.43 0.71 0.71 0.87 0.65 1.02 0.62 0.36 0.83 0.81 0.94

All other loans and leases (including farm)............... 0.17 0.24 0.25 0.27 0.18 0.16 0.26 0.21 0.13 0.14 0.11 0.20

Total loans and leases....................................... 0.49 0.15 0.13 0.24 0.60 0.52 0.55 0.55 0.42 0.53 0.27 0.49

Memo: Nonfarm nonres loans not secured by RE...... 0.18 -0.05 0.03 0.01 0.29 0.14 0.48 -0.04 0.20 0.00 0.03 0.67

Loans Outstanding (in billions)

All real estate loans............................................. $4,678.2 $16.8 $431.7 $768.6 $1,672.8 $1,788.3 $813.4 $906.4 $953.1 $886.6 $492.9 $625.8

Construction and development........................ 362.1 1.0 41.8 81.2 155.1 83.0 61.7 62.3 61.4 53.1 80.4 43.2

Nonfarm nonresidential................................. 1,470.3 4.0 174.7 357.3 596.3 338.0 288.8 301.1 227.3 206.5 218.0 228.5

Multifamily residential real estate..................... 409.4 0.4 22.8 83.0 165.5 137.7 107.5 44.3 116.2 43.7 24.1 73.6

Home equity loans.......................................... 282.2 0.3 12.7 29.0 101.5 138.8 56.8 69.8 68.8 47.7 16.2 23.0

Other 1-4 Family residential.............................. 1,983.3 7.0 131.3 188.5 638.5 1,018.0 294.0 415.4 455.3 435.3 135.9 247.3

Commercial and industrial loans........................... 2,378.4 4.0 112.3 269.7 862.4 1,130.0 391.3 567.3 539.9 416.0 185.4 278.4

Loans to individuals............................................. 1,615.4 1.7 24.0 65.7 635.2 888.7 299.2 405.1 337.8 296.0 24.6 252.7

Credit card loans.......................................... 734.7 0.0 1.6 11.8 276.0 445.3 127.7 187.5 156.4 186.5 1.1 75.5

Other loans to individuals................................. 880.6 1.7 22.4 53.9 359.2 443.4 171.4 217.6 181.4 109.5 23.5 177.1

All other loans and leases (including farm)............... 1,534.2 4.0 40.6 69.0 408.9 1,011.8 236.3 285.2 403.6 384.3 72.3 152.4

Total loans and leases (plus unearned income)......... 10,206.2 26.6 608.5 1,173.0 3,579.2 4,818.9 1,740.1 2,164.0 2,234.4 1,983.0 775.3 1,309.4

Memo: Nonfarm nonres loans not secured by RE...... 146.1 0.1 1.8 4.9 48.3 91.0 23.7 33.8 46.9 23.5 6.1 12.2

Memo: Other Real Estate Owned (in millions)

All other real estate owned.................................... $4,418.8 $63.8 $961.6 $1,391.8 $1,066.4 $935.1 $552.3 $925.6 $818.7 $658.5 $825.6 $638.1

Construction and development........................ 873.2 11.1 363.8 284.6 176.0 37.7 91.9 243.5 98.7 143.7 245.8 49.6

Nonfarm nonresidential................................. 2,279.7 23.9 346.2 915.6 560.1 433.9 200.8 428.4 413.8 300.7 403.7 532.4

Multifamily residential real estate..................... 61.5 5.1 32.6 16.1 7.1 0.7 6.4 20.7 6.6 6.6 13.3 8.0

1-4 Family residential.................................... 1,013.4 18.0 149.7 123.6 305.8 416.3 251.1 214.5 255.9 139.1 118.8 34.0

Farmland...................................................... 144.9 5.7 69.3 51.9 17.5 0.6 2.1 18.5 16.7 49.4 44.1 14.2

Other real estate owned in foreign offices............ 46.0 0.0 0.0 0.0 0.0 46.0 0.0 0.0 27.0 19.0 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.

$10 Billion

to

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

Greater

Asset Size Distribution Geographic Region

Institutions

All

New York

Less $100 Million $1 Billion

to

Francisco

Than $100

Million $1 Billion

to

$10 Billion $250 Billion

Than $250

Billion

Kansas

Atlanta Chicago City Dallas
All FDIC-Insured Savings Institutions

Quarterly Banking Profile

Fourth Quarter 2020

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

Return on assets (%)............................................. 0.85 1.34 1.27 1.10 1.26 1.12 1.15

Return on equity (%)............................................. 8.39 12.30 11.74 10.14 11.44 9.93 9.82

Core capital (leverage) ratio (%).............................. 9.26 10.27 10.29 10.34 10.49 10.70 10.87

Noncurrent assets plus

other real estate owned to assets (%).................. 1.41 1.02 0.91 0.99 1.10 1.24 1.49

Net charge-offs to loans (%)................................. 0.66 0.91 0.81 0.77 0.62 0.59 0.54

Asset growth rate (%).......................................... 19.41 -5.02 1.45 3.96 7.21 -0.43 2.02

Net interest margin............................................. 3.10 3.87 3.85 3.82 3.68 3.51 3.48

Net operating income growth (%)........................... -30.83 -0.28 19.73 -9.27 20.32 -3.63 8.41

Number of institutions reporting.............................. 627 659 691 752 801 844 902

Percentage of unprofitable institutions (%)............... 9.09 6.68 6.80 11.44 8.49 9.24 12.75

Number of failed institutions.................................... 0 1 0 2 0 0 4

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

(dollar figures in millions)

Number of institutions reporting.......................................... 627 632 659 -4.9

Total employees (full-time equivalent).................................... 122,266 120,626 121,746 0.4

CONDITION DATA

 Total assets.................................................................. $1,377,928 $1,322,383 $1,153,909 19.4

 Loans secured by real estate.......................................... 439,795 439,826 444,072 -1.0

1-4 Family Residential................................................ 245,433 247,785 253,542 -3.2

Multifamily residential property.................................... 70,328 69,768 68,529 2.6

Nonfarm nonresidential................................................ 100,158 98,455 98,548 1.6

Construction, development, and land.............................. 23,876 23,818 23,453 1.8

 Commercial & industrial loans.......................................... 56,590 61,344 43,249 30.8

 Loans to individuals...................................................... 128,742 125,736 141,930 -9.3

 Other loans & leases...................................................... 34,983 34,670 26,009 34.5

 Less: Unearned income & contra accounts........................ 199 220 133 49.5

 Total loans & leases...................................................... 659,911 661,356 655,128 0.7

 Less: Reserve for losses................................................ 16,019 15,746 9,769 64.0

 Net loans & leases......................................................... 643,892 645,610 645,358 -0.2

 Securities..................................................................... 566,592 518,097 385,022 47.2

 Other real estate owned................................................... 211 232 303 -30.5

 Goodwill and other intangibles.......................................... 10,486 10,246 12,025 -12.8

 All other assets............................................................... 156,748 148,199 111,200 41.0

Total liabilities and capital................................................... 1,377,928 1,322,383 1,153,909 19.4

 Deposits........................................................................ 1,139,348 1,083,260 921,026 23.7

 Other borrowed funds...................................................... 80,732 85,625 91,372 -11.6

 Subordinated debt......................................................... 19 26 26 -28.6

 All other liabilities............................................................ 23,473 21,041 16,475 42.5

 Equity capital.................................................................. 134,357 132,430 125,010 7.5

Loans and leases 30-89 days past due................................. 4,669 4,498 6,249 -25.3

Noncurrent loans and leases............................................. 19,251 17,848 11,418 68.6

Restructured loans and leases............................................. 2,856 2,860 2,711 5.3

Mortgage-backed securities................................................ 460,436 412,091 292,024 57.7

Earning assets.................................................................. 1,315,933 1,260,317 1,096,450 20.0

FHLB Advances............................................................... 61,580 62,165 75,973 -18.9

Unused loan commitments................................................ 604,985 606,479 610,485 -0.9

INCOME DATA 

Total interest income......................................... $43,818 $51,723 -15.3 $10,856 $12,608 -13.9

Total interest expense......................................... 6,637 10,349 -35.9 1,292 2,512 -48.6

 Net interest income.......................................... 37,181 41,374 -10.1 9,564 10,096 -5.3

Provision for credit losses.................................... 7,664 5,248 46.0 943 1,356 -30.5

Total noninterest income.................................... 14,404 12,420 16.0 3,965 3,418 16.0

Total noninterest expense.................................... 30,759 29,490 4.3 8,266 7,977 3.6

Securities gains (losses).................................... 615 483 27.5 308 141 119.4

Applicable income taxes.................................... 3,038 4,360 -30.3 952 913 4.2

Extraordinary gains, net....................................... 1 1 3.1 0 0 0.0

 Net income................................................... 10,733 15,174 -29.3 3,675 3,407 7.9

Net charge-offs................................................ 4,267 5,789 -26.3 737 1,345 -45.2

Cash dividends.................................................. 4,448 13,104 -66.1 1,416 4,222 -66.5

 Net operating income....................................... 10,229 14,788 -30.8 3,406 3,293 3.5

4th Quarter

2020

Full Year

%Change 2020

4th Quarter

2020

Full Year

2019

2020 2019 2018 2017

2019

4th Quarter

19Q4-20Q4

%Change

19Q4-20Q4

2016 2015 2014

2020

3rd Quarter 4th Quarter

2019

%Change
Quarterly Banking Profile

Fourth Quarter 2020 All FDIC-Insured Savings Institutions

FULL YEAR San

(The way it is...)

Number of institutions reporting........................... 627 118 361 132 16 285 52 147 40 69 34

Total assets (in billions).................................... $1,377.9 $6.9 $142.0 $342.5 $886.5 $418.9 $124.7 $97.4 $38.2 $550.8 $147.9

Total deposits (in billions)................................. 1,139.3 5.3 114.1 274.9 745.2 327.4 100.5 69.6 30.7 491.6 119.5

Net income (in millions).................................... 10,733.2 35.4 1,827.9 3,043.2 5,826.7 3,069.4 -259.0 2,097.7 420.1 3,269.7 2,135.3

% of unprofitable institutions.............................. 9.1 25.4 5.5 3.8 12.5 6.0 21.2 15.0 5.0 5.8 2.9

% of institutions with earnings gains..................... 49.3 45.8 48.5 56.1 37.5 45.3 36.5 57.1 70.0 52.2 38.2

Performance ratios (%)

Yield on earning assets.................................... 3.65 3.90 3.49 3.65 3.67 3.66 1.83 3.15 3.31 2.47 9.36

Cost of funding earning assets........................... 0.55 0.88 0.69 0.68 0.47 0.76 0.59 0.76 0.66 0.16 1.12

Net interest margin.......................................... 3.10 3.01 2.80 2.97 3.20 2.90 1.24 2.39 2.65 2.32 8.23

Noninterest income to earning assets.................. 1.20 4.60 3.11 1.35 0.77 0.92 0.68 5.42 1.56 0.63 1.18

Noninterest expense to earning assets.................. 2.56 6.79 4.12 2.80 2.15 2.56 2.00 4.82 2.36 1.85 3.84

Credit loss provision to assets........................... 0.61 0.10 0.15 0.29 0.82 0.27 0.14 0.25 0.25 0.25 3.41

Net operating income to assets........................... 0.81 0.51 1.21 0.89 0.71 0.72 -0.25 2.02 1.17 0.65 1.46

Pretax return on assets.................................... 1.09 0.69 1.58 1.20 0.96 0.97 -0.20 2.56 1.56 0.88 1.95

Return on assets............................................. 0.85 0.53 1.25 0.95 0.74 0.78 -0.23 2.03 1.19 0.69 1.48

Return on equity............................................. 8.39 2.99 9.26 7.99 8.46 6.45 -2.35 17.36 10.40 8.87 13.12

Net charge-offs to loans and leases..................... 0.66 0.03 0.05 0.08 1.25 0.06 0.08 0.05 0.15 0.54 3.28

Loan and lease loss provision to net charge-offs... 179.63 505.25 451.88 530.88 160.94 632.93 422.48 751.55 288.13 197.87 144.54

Efficiency ratio................................................ 57.95 89.04 69.33 64.50 51.58 66.51 76.70 61.25 55.45 62.53 39.31

Condition Ratios (%)

Earning assets to total assets.............................. 95.50 91.63 93.38 93.77 96.54 92.97 95.41 92.45 95.70 97.96 95.54

Loss allowance to:

Loans and leases....................................... 2.43 1.00 1.02 1.15 3.72 1.03 0.74 0.94 1.01 1.49 9.43

Noncurrent loans and leases........................ 83.21 101.09 126.47 125.74 75.77 141.88 10.74 81.25 232.63 14.77 729.58

Noncurrent assets plus

other real estate owned to assets.................. 1.41 0.75 0.59 0.62 1.86 0.54 2.54 0.90 0.27 2.12 0.93

Noncurrent RE loans to RE loans........................ 3.92 1.02 0.83 0.94 8.70 0.73 10.20 1.42 0.46 19.25 1.04

Equity capital ratio............................................. 9.75 17.38 13.56 11.68 8.33 11.77 9.69 11.87 11.57 7.31 11.31

Core capital (leverage) ratio.............................. 9.26 16.92 13.28 11.36 7.68 10.91 9.39 11.47 11.36 6.51 12.17

Common equity tier 1 capital ratio*..................... 16.85 30.49 20.89 16.72 16.26 14.99 22.61 16.85 15.32 17.66 17.25

Tier 1 risk-based capital ratio*........................... 16.90 30.49 20.90 16.72 16.33 14.99 22.61 16.85 15.32 17.81 17.26

Total risk-based capital ratio*.............................. 17.76 31.49 21.93 17.74 17.11 15.97 23.30 17.76 15.91 18.39 18.49

Gross real estate assets to gross assets............... 64.59 63.92 66.20 65.26 64.08 67.77 69.01 65.04 68.91 71.02 28.73

Gross 1-4 family mortgages to gross assets......... 17.60 45.45 36.29 28.48 10.24 25.38 17.64 46.04 35.96 7.86 8.77

Net loans and leases to deposits........................ 56.51 80.64 82.42 81.61 43.12 90.85 45.03 103.76 64.92 23.04 80.16

Structural Changes (YTD)

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

Thrifts absorbed by mergers........................... 21 4 16 1 0 12 1 5 1 0 2

Failed Thrifts............................................. 0 0 0 0 0 0 0 0 0 0 0

PRIOR FULL YEARS

 (The way it was...)

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

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

 ...............................................2015 844 205 513 110 16 368 73 220 61 81 41

Total assets (in billions).............................2019 $1,153.9 $7.8 $150.4 $316.6 $679.0 $373.4 $101.7 $105.9 $46.2 $154.8 $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

 ................................................2015 1,074.4 11.6 185.1 291.5 586.2 419.2 79.2 111.7 54.9 111.2 298.3

Return on assets (%)................................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

 ................................................2015 1.12 0.69 1.06 0.87 1.28 0.57 0.48 1.35 0.74 1.19 2.11

Net charge-offs to loans & leases (%) 

 ................................................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

 ................................................2015 0.59 0.09 0.12 0.09 1.12 0.09 0.09 0.33 0.11 0.76 2.08

Noncurrent assets plus 

OREO to assets (%) .....................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

 .................................................2015 1.24 1.44 1.08 0.83 1.48 0.76 5.77 1.29 0.48 2.07 0.51

Equity capital ratio (%)..............................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

 ................................................2015 11.03 16.45 12.69 12.03 9.90 11.87 9.92 12.40 10.97 10.60 9.81

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

TABLE III-B. Full Year 2020, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Region

Greater

Atlanta Chicago Francisco

Kansas

New York City

to

$10 Billion

$100 Million

Dallas

All

Institutions

Than $100

Less

Million

Than $10

Billion

to 

$1 Billion

$1 Billion
All FDIC-Insured Savings Institutions

Quarterly Banking Profile

Fourth Quarter 2020

FOURTH QUARTER San

(The way it is...)

Number of institutions reporting........................... 627 118 361 132 16 285 52 147 40 69 34

Total assets (in billions).................................... $1,377.9 $6.9 $142.0 $342.5 $886.5 $418.9 $124.7 $97.4 $38.2 $550.8 $147.9

Total deposits (in billions)................................. 1,139.3 5.3 114.1 274.9 745.2 327.4 100.5 69.6 30.7 491.6 119.5

Net income (in millions).................................... 3,674.7 9.6 587.6 1,050.8 2,026.8 1,132.7 98.6 664.4 112.2 774.0 892.8

% of unprofitable institutions.............................. 11.8 28.8 8.6 5.3 12.5 7.4 28.8 17.7 10.0 8.7 5.9

% of institutions with earnings gains..................... 62.0 45.8 64.5 68.9 68.8 66.0 48.1 63.9 62.5 58.0 50.0

Performance Ratios (annualized, %)

Yield on earning assets.................................... 3.37 3.73 3.46 3.46 3.33 3.49 2.03 3.19 2.99 2.17 8.79

Cost of funding earning assets........................... 0.40 0.76 0.57 0.50 0.33 0.56 0.44 0.62 0.52 0.10 0.86

Net interest margin.......................................... 2.97 2.97 2.89 2.96 2.99 2.93 1.59 2.57 2.47 2.07 7.93

Noninterest income to earning assets.................. 1.23 4.91 3.62 1.56 0.68 1.02 0.85 6.38 1.58 0.50 1.24

Noninterest expense to earning assets.................. 2.57 7.06 4.39 2.89 2.11 2.61 1.96 5.36 2.34 1.84 3.79

Credit loss provision to assets........................... 0.28 0.05 0.12 0.22 0.33 0.16 0.05 0.10 0.12 -0.01 1.99

Net operating income to assets........................... 1.01 0.53 1.47 1.02 0.93 0.88 0.30 2.58 1.17 0.57 2.42

Pretax return on assets.................................... 1.37 0.74 2.02 1.56 1.19 1.34 0.44 3.26 1.55 0.73 3.17

Return on assets............................................. 1.09 0.55 1.61 1.24 0.95 1.09 0.33 2.59 1.20 0.59 2.44

Return on equity............................................. 11.05 3.18 11.91 10.65 11.16 9.27 3.43 22.05 10.34 7.77 21.73

Net charge-offs to loans and leases..................... 0.45 0.04 0.07 0.08 0.81 0.07 0.07 -0.01 0.10 0.28 2.26

Loan and lease loss provision to net charge-offs... 127.93 218.63 264.04 398.03 105.41 294.80 208.33 -1,834.06 216.59 -8.58 124.37

Efficiency ratio................................................ 60.43 89.45 67.37 63.61 56.40 65.76 78.59 59.68 57.22 71.37 39.77

Structural Changes (QTR)

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

Thrifts absorbed by mergers........................... 3 1 2 0 0 1 1 1 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 (%)................................2019 1.19 1.01 1.37 1.04 1.23 0.88 0.86 1.68 0.87 0.06 1.97

 .................................................2017 0.95 0.07 0.69 0.65 1.18 0.55 0.47 0.91 0.95 0.52 1.73

 .................................................2015 1.03 1.03 1.22 0.76 1.10 0.15 0.91 1.31 0.79 0.81 2.33

Net charge-offs to loans & leases (%)

 .................................................2019 0.82 0.08 0.13 0.11 1.57 0.09 -0.04 0.17 0.31 0.89 3.26

 .................................................2017 0.86 0.03 0.13 0.11 1.69 0.08 0.00 0.26 0.28 1.02 3.14

 .................................................2015 0.68 0.11 0.12 0.06 1.33 0.09 0.06 0.23 0.07 0.83 2.51

Atlanta Chicago City Francisco

Kansas

Billion New York

Than $100

Million $1 Billion $10 Billion

TABLE IV-B. FOURTH Quarter 2020, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Region

All to

Institutions Dallas

Greater

Than $10

Less $1 Billion

to

$100 Million
Quarterly Banking Profile

Fourth Quarter 2020 All FDIC-Insured Savings Institutions

December 31, 2020 San

Percent of Loans 30-89 Days Past Due

All loans secured by real estate........................... 0.64 1.27 0.59 0.37 0.94 0.36 1.38 0.61 0.29 1.79 0.23

Construction, development, and land............... 0.53 1.18 0.52 0.50 0.58 0.36 0.72 1.63 0.09 0.56 0.21

Nonfarm nonresidential................................. 0.35 0.81 0.51 0.34 0.27 0.34 0.18 0.40 0.20 0.65 0.01

Multifamily residential real estate..................... 0.15 0.38 0.46 0.31 0.02 0.16 0.01 0.26 0.05 0.01 0.03

Home equity loans....................................... 0.35 0.41 0.46 0.31 0.33 0.37 0.53 0.21 0.39 0.47 0.07

Other 1-4 Family residential........................... 0.95 1.44 0.66 0.39 1.72 0.49 1.87 0.63 0.31 2.33 0.43

Commercial and industrial loans........................... 0.44 1.09 0.35 0.41 0.51 0.35 0.29 0.43 0.32 0.77 0.54

Loans to individuals.......................................... 1.18 1.27 1.22 0.68 1.22 0.97 0.16 0.66 0.48 0.38 1.72

Credit card loans.......................................... 1.53 1.00 2.32 1.38 1.53 2.15 0.18 1.52 2.14 0.53 1.75

Other loans to individuals.............................. 0.46 1.28 1.13 0.60 0.37 0.95 0.16 0.45 0.19 0.29 1.08

Total loans and leases....................................... 0.71 1.25 0.59 0.39 0.95 0.37 0.98 0.54 0.31 1.13 1.28

Percent of Loans Noncurrent*

All real estate loans............................................. 3.92 1.02 0.83 0.94 8.70 0.73 10.20 1.42 0.46 19.25 1.04

Construction, development, and land............... 0.82 0.16 0.55 0.97 0.75 0.67 0.34 1.72 0.24 0.96 0.85

Nonfarm nonresidential................................. 0.98 0.79 0.99 1.01 0.92 0.93 1.88 1.02 0.66 1.02 0.92

Multifamily residential real estate..................... 0.38 0.53 0.34 0.78 0.19 0.31 3.18 0.27 0.08 0.13 0.40

Home equity loans....................................... 1.22 0.72 1.35 0.65 1.66 0.70 4.41 0.29 0.45 1.35 2.24

Other 1-4 Family residential........................... 6.84 1.14 0.83 0.96 16.92 0.83 13.55 1.63 0.43 27.29 1.28

Commercial and industrial loans........................... 0.98 0.98 0.62 1.06 1.00 0.86 3.89 0.83 0.17 1.15 0.63

Loans to individuals.......................................... 1.04 0.48 0.58 0.38 1.10 0.58 0.13 0.41 0.36 0.51 1.45

Credit card loans.......................................... 1.41 0.00 2.52 0.52 1.42 0.64 0.84 1.01 1.02 1.07 1.50

Other loans to individuals.............................. 0.26 0.49 0.42 0.37 0.22 0.58 0.13 0.25 0.24 0.18 0.37

Total loans and leases....................................... 2.92 0.99 0.80 0.91 4.91 0.73 6.87 1.15 0.43 10.12 1.29

Percent of Loans Charged-Off (net, YTD)

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

Construction, development, and land............... 0.02 -0.02 0.02 0.03 -0.01 0.02 -0.05 0.01 -0.04 0.05 0.01

Nonfarm nonresidential................................. 0.06 0.06 0.06 0.06 0.04 0.06 -0.01 0.02 0.19 0.05 -0.01

Multifamily residential real estate..................... 0.00 0.00 0.00 0.00 0.00 0.00 -0.01 -0.02 -0.01 -0.07 0.00

Home equity loans....................................... -0.05 0.09 0.01 -0.01 -0.12 0.01 -0.02 -0.02 -0.27 -0.33 0.06

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

Commercial and industrial loans........................... 0.31 -0.03 0.21 0.20 0.51 0.23 0.15 0.22 0.03 0.33 1.22

Loans to individuals.......................................... 3.02 0.52 0.25 0.97 3.29 0.56 0.05 0.20 2.02 1.28 4.58

Credit card loans.......................................... 4.21 1.36 0.35 4.07 4.26 3.23 0.11 0.40 11.21 2.45 4.70

Other loans to individuals.............................. 0.61 0.51 0.23 0.58 0.68 0.50 0.05 0.14 0.26 0.55 2.18

Total loans and leases....................................... 0.66 0.03 0.05 0.08 1.25 0.06 0.08 0.05 0.15 0.54 3.28

Loans Outstanding (in billions)

All real estate loans............................................. $439.8 $3.9 $82.8 $183.5 $169.7 $252.3 $28.9 $56.5 $17.5 $58.7 $26.0

Construction, development, and land............... 23.9 0.2 5.3 12.9 5.4 14.5 0.8 2.8 0.7 3.0 2.2

Nonfarm nonresidential................................. 98.3 0.3 18.6 50.0 29.4 72.0 4.3 5.1 2.1 10.4 4.4

Multifamily residential real estate..................... 70.3 0.1 5.8 21.8 42.6 58.3 1.8 3.0 0.5 1.3 5.5

Home equity loans....................................... 18.1 0.1 3.4 6.7 7.9 8.2 2.0 3.6 0.4 2.7 1.3

Other 1-4 Family residential........................... 227.4 3.0 48.5 91.7 84.2 99.0 20.1 41.6 13.5 40.7 12.5

Commercial and industrial loans........................... 56.6 0.2 8.0 29.2 19.2 36.6 1.7 2.9 0.9 10.3 4.1

Loans to individuals.......................................... 128.7 0.1 2.9 7.7 118.0 6.4 1.5 3.0 1.5 42.4 74.0

Credit card loans.......................................... 87.3 0.0 0.2 0.8 86.2 0.1 0.0 0.6 0.2 15.9 70.4

Other loans to individuals.............................. 41.5 0.1 2.7 6.8 31.8 6.3 1.5 2.4 1.3 26.5 3.5

Total loans and leases (plus unearned income)...... 660.1 4.3 95.0 227.0 333.8 300.6 45.6 72.9 20.2 115.0 105.8

Memo: Other Real Estate Owned (in millions)

All other real estate owned................................. $210.6 $9.3 $70.3 $66.6 $64.4 $76.8 $34.4 $36.1 $14.5 $35.7 $13.1

Construction, development, and land............... 54.6 3.0 27.7 15.9 8.0 16.3 4.2 14.3 9.1 10.4 0.4

Nonfarm nonresidential................................. 57.8 2.1 13.1 23.4 19.2 25.4 8.8 4.7 1.3 17.6 0.0

Multifamily residential real estate..................... 2.2 0.1 0.0 2.1 0.0 2.1 0.0 0.1 0.0 0.0 0.0

1-4 Family residential.................................... 95.9 4.1 29.5 25.2 37.1 33.0 21.4 17.0 4.1 7.8 12.7

Troubled Real Estate Asset Rates**

(% of total RE assets)

All real estate loans............................................. 3.96 1.26 0.92 0.98 8.74 0.76 10.30 1.48 0.54 19.30 1.09

Construction, development, and land............... 1.05 1.98 1.06 1.10 0.90 0.78 0.87 2.21 1.59 1.31 0.87

Nonfarm nonresidential................................. 1.04 1.23 1.06 1.06 0.99 0.97 2.07 1.08 0.78 1.19 0.92

Multifamily residential real estate..................... 0.39 0.62 0.34 0.79 0.19 0.31 3.18 0.28 0.08 0.13 0.40

1-4 family residential....................................... 6.46 1.24 0.92 0.96 15.65 0.85 12.82 1.56 0.46 25.70 1.46

* 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.

Francisco

Geographic Region

Kansas

Atlanta City Dallas

to

$100 Million $1 Billion

to

$10 Billion Chicago

Than $10

Billion New York

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

Greater

Asset Size Distribution

Institutions

All

Less

Than $100

Million $1 Billion