All FDIC-Insured Commercial Banks

Quarterly Banking Profile

Fourth Quarter 2021

INCOME DATA

Total interest income ......................................................................................... $521,410 $559,948 -6.9 $134,549 $132,492 1.6

Total interest expense ........................................................................................ 32,351 70,461 -54.1 7,354 10,686 -31.2

Net interest income ....................................................................................... 489,059 489,488 -0.1 127,195 121,806 4.4

Provision for credit losses .................................................................................. -31,345 124,595 -125.2 -1,311 2,276 -157.6

Total noninterest income ................................................................................... 286,040 265,821 7.6 68,963 66,323 4.0

Total noninterest expense ................................................................................. 477,772 468,142 2.1 125,223 117,445 6.6

Securities gains (losses) ..................................................................................... 2,391 7,529 -68.3 399 1,208 -67.0

Applicable income taxes .................................................................................... 67,798 33,318 103.5 12,560 13,712 -8.4

Extraordinary gains, net ..................................................................................... 47 -102 N/M 15 8 84.7

Net income ..................................................................................................... 263,122 136,450 92.8 60,077 55,854 7.6

Net charge-offs ................................................................................................... 24,736 49,845 -50.4 5,158 10,574 -51.2

Cash dividends ................................................................................................... 149,456 79,617 87.7 39,177 20,409 92.0

Net operating income .................................................................................... 261,330 130,424 100.4 59,760 54,794 9.1

N/M - Not Meaningful

%Change 

20Q4-21Q4

Full Year

2021

Full Year

2020 %Change

4th Quarter

2021

4th Quarter

2020

(dollar figures in millions)

Number of institutions reporting .................................................................................... 4,231 4,301 4,375 -3.3

Total employees (full-time equivalent) .......................................................................... 1,948,989 1,936,783 1,943,338 0.3

CONDITION DATA

Total assets ...................................................................................................................... $22,195,229 $21,781,836 $20,490,925 8.3

Loans secured by real estate ...................................................................................... 4,813,783 4,738,920 4,678,148 2.9

Commercial & industrial loans ................................................................................... 2,266,012 2,194,149 2,384,102 -5.0

Loans to individuals ................................................................................................... 1,744,664 1,666,831 1,615,435 8.0

Farm loans .................................................................................................................. 71,145 69,198 68,726 3.5

Other loans & leases ................................................................................................... 1,667,546 1,579,505 1,460,304 14.2

Less: Unearned income .............................................................................................. 1,961 2,234 2,995 -34.5

Total loans & leases .................................................................................................... 10,561,189 10,246,370 10,203,721 3.5

Less: Reserve for losses .............................................................................................. 164,597 171,375 220,602 -25.4

Net loans and leases ........................................................................................................ 10,396,592 10,074,995 9,983,119 4.1

Securities ......................................................................................................................... 5,587,088 5,313,748 4,545,813 22.9

Other real estate owned .................................................................................................. 2,788 3,634 4,416 -36.9

Goodwill and other intangibles ....................................................................................... 393,881 386,276 376,270 4.7

All other assets ................................................................................................................ 5,814,880 6,003,184 5,581,308 4.2

Total liabilities and capital ............................................................................................. 22,195,229 21,781,836 20,490,925 8.3

Noninterest-bearing deposits .................................................................................... 5,496,205 5,382,361 4,657,773 18.0

Interest-bearing deposits ........................................................................................... 12,914,096 12,550,591 12,026,449 7.4

Other borrowed funds ................................................................................................ 887,446 923,093 1,011,262 -12.2

Subordinated debt ..................................................................................................... 66,390 66,239 68,211 -2.7

All other liabilities ....................................................................................................... 618,706 665,937 634,552 -2.5

Equity capital .............................................................................................................. 2,212,386 2,193,615 2,092,678 5.7

Loans and leases 30-89 days past due ............................................................................ 51,662 44,067 58,545 -11.8

Noncurrent loans and leases ........................................................................................... 85,535 87,457 109,559 -21.9

Restructured loans and leases ........................................................................................ 40,140 42,638 46,463 -13.6

1-4 family residential mortgages .................................................................................... 2,281,215 2,249,485 2,265,806 0.7

Mortgage-backed securities ............................................................................................ 3,021,387 2,958,375 2,583,326 17.0

Earning assets ................................................................................................................. 20,304,587 19,837,004 18,604,309 9.1

Long-term assets (5+ years) ............................................................................................ 6,676,730 6,474,853 5,531,963 20.7

Volatile liabilities ............................................................................................................. 2,479,882 2,522,572 2,556,989 -3.0

Foreign office deposits .................................................................................................... 1,511,978 1,532,403 1,533,793 -1.4

FHLB Advances ................................................................................................................ 132,692 136,524 194,405 -31.7

Unused loan commitments ............................................................................................. 8,405,245 8,441,910 7,844,879 7.1

Off-balance-sheet derivatives ......................................................................................... 179,204,866 187,525,819 165,590,394 8.2

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

4th Quarter

2021

3rd Quarter

2021

4th Quarter

2020

%Change 

20Q4-21Q4

2021 2020 2019 2018 2017 2016 2015

Return on assets (%) ............................................................................. 1.24 0.71 1.29 1.35 0.96 1.02 1.04

Return on equity (%) ............................................................................. 12.27 6.75 11.32 11.99 8.49 9.12 9.25

Core capital (leverage) ratio ................................................................. 8.67 8.79 9.61 9.66 9.57 9.41 9.51

Noncurrent assets plus

other real estate owned to assets (%) ........................................... 0.40 0.56 0.52 0.58 0.71 0.84 0.95

Net charge-offs to loans (%) ................................................................. 0.24 0.49 0.49 0.46 0.48 0.46 0.43

Asset growth rate (%) ............................................................................ 8.32 17.15 4.57 3.15 3.78 4.93 2.89

Net interest margin (%) ........................................................................ 2.52 2.80 3.32 3.37 3.21 3.09 3.04

Net operating income growth (%) ....................................................... 100.37 -39.30 -3.33 47.56 -2.74 3.23 8.02

Number of institutions reporting ........................................................ 4,231 4,375 4,518 4,715 4,918 5,112 5,338

Percentage of unprofitable institutions (%) ....................................... 2.6 4.0 3.3 2.9 4.7 3.9 4.1

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

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

Fourth Quarter 2021 All FDIC-Insured Commercial Banks

FULL YEAR

(The way it is...)

Number of institutions reporting .................................. 4,231 712 2,702 675 130 12 299 502 897 1,198 1,006 329

Total assets (in billions) ................................................. $22,195.2 $44.0 $988.0 $1,866.0 $6,471.1 $12,826.1 $4,017.7 $4,645.8 $5,574.0 $4,152.1 $1,389.1 $2,416.6

Total deposits (in billions) ............................................. 18,410.3 37.5 854.1 1,584.8 5,441.1 10,492.9 3,340.3 3,909.2 4,450.8 3,464.2 1,188.0 2,057.8

Net income (in millions) ................................................. 263,122 426 11,856 25,845 89,728 135,268 41,628 56,694 65,912 45,218 17,618 36,053

% of unprofitable institutions ....................................... 2.6 8.4 1.7 0.4 0.0 0.0 3.3 4.8 2.3 1.3 2.8 3.0

% of institutions with earnings gains ............................ 76.7 61.4 76.6 89.2 94.6 91.7 86.3 79.5 72.0 73.6 78.3 82.1

Performance Ratios (%)

Yield on earning assets ................................................... 2.69 3.67 3.75 3.69 3.26 2.17 2.55 2.78 2.26 2.71 3.31 3.33

Cost of funding earning assets ...................................... 0.17 0.36 0.34 0.27 0.23 0.11 0.18 0.15 0.11 0.17 0.23 0.26

Net interest margin ........................................................ 2.52 3.32 3.41 3.42 3.02 2.06 2.37 2.63 2.15 2.53 3.09 3.07

Noninterest income to earning assets .......................... 1.47 1.39 1.10 1.38 1.44 1.53 1.39 1.26 1.72 1.29 1.23 1.93

Noninterest expense to earning assets ......................... 2.46 3.43 2.90 2.81 2.56 2.33 2.28 2.44 2.37 2.50 2.62 2.88

Credit loss provision to assets ....................................... -0.15 0.07 0.09 0.04 -0.12 -0.20 -0.03 -0.21 -0.22 -0.18 -0.05 -0.06

Net operating income to assets ..................................... 1.23 0.98 1.24 1.45 1.46 1.08 1.08 1.28 1.23 1.09 1.33 1.58

Pretax return on assets .................................................. 1.55 1.13 1.45 1.83 1.91 1.35 1.38 1.53 1.57 1.40 1.63 2.09

Return on assets ............................................................. 1.24 1.00 1.26 1.46 1.48 1.08 1.08 1.28 1.23 1.10 1.35 1.61

Return on equity ............................................................ 12.27 7.62 11.79 13.58 13.83 11.28 10.53 12.20 12.97 11.21 12.20 15.81

Net charge-offs to loans and leases .............................. 0.24 0.07 0.06 0.14 0.26 0.28 0.29 0.27 0.20 0.31 0.07 0.20

Loan and lease loss provision to net charge-offs ......... -119.36 184.15 231.61 51.00 -76.39 -178.45 -24.53 -148.25 -245.67 -112.48 -103.62 -54.41

Efficiency ratio ................................................................ 61.17 72.53 63.95 58.17 56.72 64.21 60.01 62.07 60.90 64.90 60.07 57.26

Condition Ratios (%)

Earning assets to total assets ........................................ 91.48 92.41 94.11 93.75 92.84 90.26 91.11 91.03 90.79 91.25 92.55 94.35

Loss allowance to:

Loans and leases ...................................................... 1.56 1.55 1.44 1.38 1.62 1.56 1.70 1.60 1.46 1.71 1.31 1.42

Noncurrent loans and leases ................................... 192.43 156.16 236.36 221.69 225.27 166.10 178.35 212.59 182.30 166.13 207.90 266.12

Noncurrent assets plus

other real estate owned to assets ........................... 0.40 0.57 0.42 0.43 0.43 0.38 0.45 0.36 0.36 0.49 0.40 0.33

Equity capital ratio ......................................................... 9.96 12.83 10.51 10.71 10.35 9.60 10.17 10.21 9.47 9.81 10.80 10.04

Core capital (leverage) ratio .......................................... 8.67 12.67 10.29 10.02 9.20 8.08 8.83 8.22 8.26 8.80 9.45 9.57

Common equity tier 1 capital ratio* .............................. 13.79 22.36 15.22 13.97 13.33 13.96 14.30 13.03 14.29 13.48 13.17 14.28

Tier 1 risk-based capital ratio* ...................................... 13.90 22.41 15.24 14.00 13.57 14.00 14.36 13.12 14.35 13.56 13.30 14.56

Total risk-based capital ratio* ....................................... 15.24 23.52 16.36 15.08 14.77 15.47 15.73 14.22 15.51 15.56 14.46 15.70

Net loans and leases to deposits ................................... 56.47 57.93 66.64 72.86 67.92 47.23 55.30 54.32 52.20 55.28 65.12 68.72

Structural Changes (YTD)

New reporters ........................................................... 9 9 0 0 0 0 0 3 3 0 1 2

Banks absorbed by mergers .................................... 151 29 93 25 4 0 9 13 26 56 35 12

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

PRIOR FULL YEARS

(The way it was...)

Number of institutions ........................................ 2020 4,375 827 2,769 644 123 12 308 518 922 1,252 1,038 337

 ................................ 2018 4,715 1,133 2,941 518 114 9 341 572 999 1,333 1,109 361

 ................................ 2016 5,112 1,354 3,154 506 89 9 374 651 1,063 1,431 1,186 407

Total assets (in billions) ....................................... 2020 $20,490.9 $50.1 $959.5 $1,727.3 $5,814.0 $11,940.0 $3,596.1 $4,360.6 $5,108.3 $4,095.9 $1,241.8 $2,088.2

 ................................ 2018 16,728.1 67.4 954.1 1,386.0 5,499.2 8,821.4 2,915.6 3,573.3 3,942.9 3,627.3 994.2 1,675.0

 ................................ 2016 15,627.8 80.9 996.9 1,444.3 4,658.8 8,446.9 2,658.1 3,424.1 3,672.2 3,574.3 885.4 1,413.8

Return on assets (%) ............................................ 2020 0.71 0.89 1.20 1.14 0.72 0.60 0.61 0.61 0.84 0.48 1.10 1.00

 ................................ 2018 1.35 0.99 1.25 1.39 1.46 1.29 1.26 1.45 1.26 1.25 1.41 1.72

 ................................ 2016 1.02 0.87 1.08 1.05 1.00 1.03 0.89 1.03 0.99 1.09 0.99 1.22

Net charge-offs to loans & leases (%) .............. 2020 0.49 0.15 0.13 0.24 0.60 0.52 0.55 0.55 0.42 0.53 0.27 0.49

 ................................ 2018 0.46 0.20 0.14 0.22 0.62 0.43 0.70 0.57 0.22 0.51 0.17 0.42

 ................................ 2016 0.46 0.22 0.15 0.28 0.57 0.47 0.62 0.55 0.27 0.54 0.23 0.33

Noncurrent assets plus

OREO to assets ............................................... 2020 0.56 0.74 0.60 0.66 0.62 0.51 0.61 0.49 0.51 0.70 0.62 0.44

 ................................ 2018 0.58 0.97 0.74 0.66 0.55 0.57 0.60 0.58 0.54 0.68 0.61 0.41

 ................................ 2016 0.84 1.07 0.98 0.87 0.70 0.90 0.71 0.93 0.78 1.01 0.95 0.53

Equity capital ratio (%) ....................................... 2020 10.20 12.88 10.93 10.80 10.97 9.67 10.34 10.81 9.54 9.82 11.31 10.38

 ................................ 2018 11.29 12.90 11.20 11.84 12.43 10.49 12.61 12.12 10.30 10.21 11.97 11.51

 ................................ 2016 11.12 12.13 10.88 11.50 12.16 10.50 12.16 12.11 10.27 9.86 10.99 12.28

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

TABLE III-A. Full Year 2021, 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

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
All FDIC-Insured Commercial Banks

Quarterly Banking Profile

Fourth Quarter 2021

FOURTH QUARTER

(The way it is...)

Number of institutions reporting .................................. 4,231 712 2,702 675 130 12 299 502 897 1,198 1,006 329

Total assets (in billions) ................................................. $22,195.2 $44.0 $988.0 $1,866.0 $6,471.1 $12,826.1 $4,017.7 $4,645.8 $5,574.0 $4,152.1 $1,389.1 $2,416.6

Total deposits (in billions) ............................................. 18,410.3 37.5 854.1 1,584.8 5,441.1 10,492.9 3,340.3 3,909.2 4,450.8 3,464.2 1,188.0 2,057.8

Net income (in millions) ................................................. 60,077 70 2,590 6,137 20,769 30,510 9,953 13,837 14,584 8,866 3,956 8,881

% of unprofitable institutions ....................................... 7.5 23.9 5.1 1.0 0.8 0.0 3.3 7.4 5.9 10.2 7.6 5.8

% of institutions with earnings gains ............................ 52.5 45.4 51.8 61.6 57.7 75.0 62.9 53.2 48.8 44.9 59.9 57.5

Performance Ratios (annualized, %)

Yield on earning assets ................................................... 2.69 3.47 3.61 3.63 3.22 2.19 2.56 2.80 2.24 2.72 3.21 3.33

Cost of funding earning assets ...................................... 0.15 0.31 0.29 0.23 0.20 0.10 0.16 0.14 0.10 0.15 0.19 0.22

Net interest margin ........................................................ 2.54 3.16 3.32 3.40 3.02 2.10 2.40 2.66 2.14 2.57 3.02 3.11

Noninterest income to earning assets .......................... 1.38 1.37 1.00 1.30 1.45 1.38 1.37 1.08 1.55 1.20 1.10 2.01

Noninterest expense to earning assets ......................... 2.50 3.63 2.95 2.84 2.61 2.35 2.33 2.44 2.32 2.66 2.61 2.96

Credit loss provision to assets ....................................... -0.02 0.09 0.09 0.09 0.06 -0.09 0.04 -0.02 -0.09 -0.08 0.02 0.10

Net operating income to assets ..................................... 1.09 0.64 1.04 1.33 1.30 0.95 0.99 1.21 1.05 0.85 1.15 1.48

Pretax return on assets .................................................. 1.32 0.74 1.22 1.66 1.67 1.11 1.27 1.20 1.35 1.10 1.39 1.95

Return on assets ............................................................. 1.09 0.64 1.06 1.34 1.31 0.96 1.00 1.21 1.05 0.85 1.16 1.50

Return on equity ............................................................ 10.93 4.92 9.99 12.41 12.49 9.96 9.76 11.75 11.11 8.71 10.66 14.89

Net charge-offs to loans and leases .............................. 0.20 0.11 0.09 0.16 0.19 0.22 0.24 0.21 0.15 0.27 0.07 0.17

Loan and lease loss provision to net charge-offs ......... -20.45 165.25 177.96 88.78 50.59 -94.21 40.49 -14.19 -126.36 -65.04 20.53 98.51

Efficiency ratio ................................................................ 63.38 80.03 67.90 59.92 57.90 67.18 61.10 64.85 62.44 70.06 62.68 57.61

Structural Changes (QTR)

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

Banks absorbed by mergers .................................... 68 12 37 17 2 0 5 6 11 28 13 5

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

PRIOR FOURTH QUARTERS

(The way it was...)

Return on assets (%) ............................................ 2020 1.11 0.66 1.16 1.31 1.38 0.94 0.87 1.10 1.22 0.88 1.26 1.62

 ................................ 2018 1.34 0.87 1.24 1.40 1.50 1.24 1.31 1.47 1.18 1.19 1.40 1.75

 ................................ 2016 1.02 0.64 1.03 0.84 1.00 1.05 0.89 0.99 1.07 1.08 0.72 1.19

Net charge-offs to loans & leases (%) .................. 2020 0.41 0.17 0.16 0.27 0.49 0.43 0.48 0.41 0.38 0.43 0.25 0.45

 ................................ 2018 0.48 0.27 0.21 0.25 0.65 0.44 0.69 0.59 0.24 0.52 0.23 0.46

 ................................ 2016 0.51 0.39 0.25 0.41 0.65 0.49 0.73 0.59 0.30 0.60 0.25 0.40

TABLE IV-A. Fourth Quarter 2021, 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

Fourth Quarter 2021 All FDIC-Insured Commercial Banks

December 31, 2021

Percent of Loans 30-89 Days Past Due

All loans secured by real estate ................................... 0.40 0.69 0.36 0.24 0.29 0.59 0.46 0.47 0.38 0.51 0.31 0.20

Construction and development ........................... 0.34 0.50 0.27 0.30 0.27 0.55 0.42 0.26 0.28 0.42 0.23 0.49

Nonfarm nonresidential ....................................... 0.19 0.64 0.22 0.15 0.17 0.26 0.27 0.16 0.17 0.20 0.19 0.14

Multifamily residential real estate ........................ 0.14 0.15 0.16 0.11 0.13 0.18 0.22 0.17 0.15 0.16 0.10 0.03

Home equity loans ................................................ 0.43 0.18 0.28 0.26 0.41 0.50 0.36 0.47 0.52 0.48 0.36 0.23

Other 1-4 Family residential ................................. 0.63 1.00 0.63 0.47 0.44 0.80 0.76 0.75 0.55 0.81 0.59 0.26

Commercial and industrial loans ............................... 0.41 0.67 0.44 0.33 0.24 0.54 0.31 0.37 0.44 0.61 0.28 0.34

Loans to individuals .................................................... 1.02 1.15 1.10 1.47 0.92 1.07 0.86 1.53 0.60 0.91 1.51 1.08

Credit card loans ................................................... 0.83 1.52 1.77 2.66 0.93 0.71 1.02 1.06 0.58 0.73 0.52 0.68

Other loans to individuals .................................... 1.18 1.15 1.04 1.20 0.91 1.42 0.75 1.91 0.62 1.24 1.58 1.27

All other loans and leases (including farm) ................ 0.31 0.39 0.30 0.23 0.21 0.35 0.25 0.17 0.46 0.35 0.16 0.19

Total loans and leases ................................................. 0.49 0.67 0.39 0.33 0.39 0.61 0.47 0.61 0.45 0.55 0.33 0.40

Memo: Nonfarm nonres loans not secured by RE ...... 0.19 0.05 0.20 0.24 0.09 0.23 0.19 0.04 0.42 0.18 0.04 0.17

Percent of Loans Noncurrent*

All real estate loans ..................................................... 1.15 0.97 0.59 0.58 0.91 1.79 1.42 1.12 1.29 1.64 0.66 0.45

Construction and development ........................... 0.47 0.51 0.44 0.36 0.27 1.01 1.03 0.29 0.87 0.24 0.18 0.25

Nonfarm nonresidential ....................................... 0.69 1.11 0.58 0.52 0.70 0.93 1.06 0.58 0.70 0.77 0.46 0.51

Multifamily residential real estate ........................ 0.24 0.53 0.26 0.18 0.24 0.26 0.38 0.55 0.19 0.11 0.17 0.07

Home equity loans ................................................ 2.18 0.16 0.38 0.44 1.18 3.57 2.04 1.60 2.70 4.16 0.80 0.58

Other 1-4 Family residential ................................. 1.71 0.89 0.64 0.92 1.36 2.25 2.09 1.64 1.75 2.50 1.29 0.51

Commercial and industrial loans ............................... 0.67 1.34 0.71 0.83 0.61 0.69 0.72 0.51 0.65 0.80 0.71 0.78

Loans to individuals .................................................... 0.62 0.65 0.44 0.75 0.65 0.60 0.70 0.78 0.33 0.64 0.71 0.65

Credit card loans ................................................... 0.80 0.89 1.39 2.31 0.92 0.67 1.03 0.97 0.55 0.73 0.32 0.66

Other loans to individuals .................................... 0.48 0.65 0.35 0.39 0.45 0.53 0.46 0.62 0.16 0.48 0.74 0.64

All other loans and leases (including farm) ................ 0.23 0.95 0.65 0.28 0.27 0.19 0.13 0.11 0.28 0.29 0.19 0.34

Total loans and leases ................................................. 0.81 0.99 0.61 0.62 0.72 0.94 0.95 0.75 0.80 1.03 0.63 0.54

Memo: Nonfarm nonres loans not secured by RE ...... 0.34 0.58 0.05 0.25 0.21 0.39 0.59 0.08 0.64 0.25 0.19 0.19

Percent of Loans Charged-Off (net, YTD)

All real estate loans ..................................................... 0.01 0.02 0.01 0.03 0.03 -0.03 0.03 0.00 -0.02 0.00 0.01 0.02

Construction and development ........................... 0.01 0.01 0.01 0.00 0.00 0.04 0.11 -0.05 0.02 0.00 0.00 -0.04

Nonfarm nonresidential ....................................... 0.06 0.04 0.01 0.06 0.09 0.02 0.08 0.05 0.06 0.04 0.04 0.06

Multifamily residential real estate ........................ 0.02 -0.02 0.01 0.01 0.03 0.01 0.04 0.04 0.00 0.01 0.01 0.00

Home equity loans ................................................ -0.17 -0.01 -0.01 -0.03 -0.08 -0.29 -0.13 -0.20 -0.24 -0.17 -0.09 -0.07

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

Commercial and industrial loans ............................... 0.19 0.16 0.15 0.17 0.20 0.19 0.21 0.17 0.21 0.21 0.16 0.16

Loans to individuals .................................................... 1.14 0.28 0.52 1.31 1.06 1.20 1.27 1.08 0.95 1.72 0.57 0.74

Credit card loans ................................................... 2.11 3.64 3.31 4.93 1.97 2.12 2.46 2.07 1.94 2.32 1.29 1.52

Other loans to individuals .................................... 0.37 0.25 0.30 0.47 0.40 0.33 0.47 0.27 0.17 0.66 0.52 0.41

All other loans and leases (including farm) ................ 0.09 0.11 0.14 0.10 0.09 0.09 0.10 0.13 0.08 0.08 0.08 0.12

Total loans and leases ................................................. 0.24 0.07 0.06 0.14 0.26 0.28 0.29 0.27 0.20 0.31 0.07 0.20

Memo: Nonfarm nonres loans not secured by RE ...... 0.00 -0.02 -0.02 0.01 -0.04 0.01 0.11 0.00 0.00 -0.01 0.01 -0.27

Loans Outstanding (in billions)

All real estate loans ..................................................... $4,813.8 $14.1 $432.7 $818.8 $1,782.8 $1,765.4 $867.2 $865.0 $999.9 $840.4 $526.8 $714.6

Construction and development ........................... 375.6 0.9 46.1 90.8 157.8 80.0 63.7 60.5 61.6 55.8 88.1 45.9

Nonfarm nonresidential ....................................... 1,546.0 3.4 176.6 387.6 627.5 350.9 308.8 298.8 244.1 211.8 235.0 247.6

Multifamily residential real estate ........................ 438.0 0.4 23.5 84.1 184.0 146.0 114.3 39.3 124.9 49.4 25.3 84.8

Home equity loans ................................................ 249.2 0.2 11.5 27.4 93.6 116.5 56.9 57.3 60.6 34.8 15.7 23.9

Other 1-4 Family residential ................................. 2,032.0 5.8 125.8 196.0 703.9 1,000.6 318.4 396.6 484.3 387.9 142.8 302.1

Commercial and industrial loans ............................... 2,266.0 3.0 82.7 218.4 821.7 1,140.2 392.3 535.0 525.5 391.9 163.6 257.7

Loans to individuals .................................................... 1,744.7 1.5 23.0 71.4 699.0 949.7 333.7 435.6 372.6 293.3 25.7 283.7

Credit card loans ................................................... 781.4 0.0 1.8 13.4 300.0 466.2 135.6 197.8 165.6 190.9 1.8 89.8

Other loans to individuals .................................... 963.2 1.5 21.2 58.0 399.0 483.5 198.1 237.8 207.0 102.4 23.9 194.0

All other loans and leases (including farm) ................ 1,738.7 3.4 39.3 62.9 453.8 1,179.2 286.9 322.4 459.8 422.8 68.1 178.8

Total loans and leases ................................................. 10,563.2 22.1 577.8 1,171.5 3,757.3 5,034.6 1,880.0 2,157.9 2,357.8 1,948.4 784.3 1,434.9

Memo: Nonfarm nonres loans not secured by RE ...... 189.8 0.1 1.7 5.9 50.9 131.3 26.7 61.6 48.9 31.8 6.6 14.1

Memo: Other Real Estate Owned (in millions)

All other real estate owned ......................................... $2,788.3 $33.3 $568.5 $713.0 $632.8 $840.8 $368.1 $744.2 $591.6 $422.7 $530.0 $131.7

Construction and development ........................... 533.0 5.8 229.0 174.6 102.8 20.7 52.5 139.5 52.6 102.1 155.3 31.0

Nonfarm nonresidential ....................................... 1,422.2 11.4 204.6 437.7 274.8 493.7 110.1 451.0 317.6 205.6 283.6 54.3

Multifamily residential real estate ........................ 40.0 6.0 24.4 4.0 5.1 0.6 3.7 9.4 1.6 5.5 13.1 6.8

1-4 Family residential ............................................ 723.4 8.3 75.4 73.4 248.6 317.7 201.5 139.1 210.1 81.8 60.5 30.5

Farmland ............................................................... 61.7 1.7 35.2 23.3 1.5 0.0 0.4 5.3 9.7 19.7 17.5 9.1

Other real estate owned in foreign offices ........... 8.0 0.0 0.0 0.0 0.0 8.0 0.0 0.0 0.0 8.0 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
All FDIC-Insured Savings Institutions

Quarterly Banking Profile

Fourth Quarter 2021

2021 2020 2019 2018 2017 2016 2015

Return on assets (%) ..................................................................... 1.11 0.85 1.34 1.27 1.10 1.26 1.12

Return on equity (%) .................................................................... 11.29 8.34 12.30 11.74 10.14 11.44 9.93

Core capital (leverage) ratio (%) .................................................. 9.69 9.25 10.27 10.29 10.35 10.49 10.70

Noncurrent assets plus

other real estate owned to assets (%) ..................................... 0.94 1.41 1.02 0.91 0.99 1.10 1.24

Net charge-offs to loans (%) ......................................................... 0.40 0.66 0.91 0.81 0.77 0.62 0.59

Asset growth rate (%) ................................................................... 10.61 19.41 -5.02 1.45 3.96 7.21 -0.43

Net interest margin ...................................................................... 2.78 3.09 3.87 3.85 3.82 3.68 3.51

Net operating income growth (%) ............................................... 52.73 -31.26 -0.28 19.73 -9.27 20.32 -3.63

Number of institutions reporting ................................................. 608 627 659 691 752 801 844

Percentage of unprofitable institutions (%) ................................ 6.25 9.25 6.68 6.80 11.44 8.49 9.24

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

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

(dollar figures in millions)

Number of institutions reporting .................................................................................... 608 613 627 -3.0

Total employees (full-time equivalent) .......................................................................... 120,060 119,785 122,265 -1.8

CONDITION DATA

Total assets ...................................................................................................................... $1,524,087 $1,469,746 $1,377,929 10.6

Loans secured by real estate ...................................................................................... 444,578 443,508 439,793 1.1

1-4 family residential .............................................................................................. 242,869 242,618 245,419 -1.0

Multifamily residential property ............................................................................ 74,663 72,867 70,316 6.2

Nonfarm nonresidential ......................................................................................... 101,485 102,323 100,182 1.3

Construction, development, and land ................................................................... 25,491 25,645 23,876 6.8

Commercial & industrial loans ........................................................................................ 48,000 49,088 56,587 -15.2

Loans to individuals ........................................................................................................ 137,308 130,225 128,743 6.7

Other loans & leases ........................................................................................................ 55,972 51,861 34,983 60.0

Less: Unearned income & contra accounts .................................................................... 171 175 201 -14.7

Total loans & leases ......................................................................................................... 685,686 674,508 659,906 3.9

Less: Reserve for losses ................................................................................................... 13,616 13,692 16,019 -15.0

Net loans & leases ........................................................................................................... 672,070 660,816 643,887 4.4

Securities ......................................................................................................................... 658,793 639,442 566,592 16.3

Other real estate owned .................................................................................................. 172 183 211 -18.2

Goodwill and other intangibles ....................................................................................... 10,482 10,375 10,486 0.0

All other assets ................................................................................................................ 182,570 158,930 156,754 16.5

Total liabilities and capital ............................................................................................. 1,524,087 1,469,746 1,377,929 10.6

Deposits ...................................................................................................................... 1,291,291 1,233,689 1,139,336 13.3

Other borrowed funds ................................................................................................ 67,966 66,608 80,732 -15.8

Subordinated debt ..................................................................................................... 5 6 19 -70.6

All other liabilities ....................................................................................................... 17,641 21,146 23,557 -25.1

Equity capital .............................................................................................................. 147,184 148,297 134,285 9.6

Loans and leases 30-89 days past due ............................................................................ 4,594 3,693 4,668 -1.6

Noncurrent loans and leases ........................................................................................... 14,125 15,277 19,243 -26.6

Restructured loans and leases ........................................................................................ 2,608 2,717 2,854 -8.6

Mortgage-backed securities ............................................................................................ 535,680 530,329 460,436 16.3

Earning assets ................................................................................................................. 1,463,020 1,404,493 1,315,951 11.2

FHLB Advances ................................................................................................................ 55,845 53,578 61,580 -9.3

Unused loan commitments ............................................................................................. 636,789 632,931 604,763 5.3

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

4th Quarter

2021

3rd Quarter

2021

4th Quarter

2020

%Change 

20Q4-21Q4

INCOME DATA

Total interest income ......................................................................................... $42,058 $43,814 -4.0 $10,788 $10,852 -0.6

Total interest expense ........................................................................................ 3,765 6,637 -43.3 830 1,292 -35.8

Net interest income ....................................................................................... 38,292 37,177 3.0 9,958 9,560 4.2

Provision for credit losses .................................................................................. 338 7,665 -95.6 568 943 -39.7

Total noninterest income ................................................................................... 14,466 14,404 0.4 3,689 3,966 -7.0

Total noninterest expense ................................................................................. 32,358 30,843 4.9 8,332 8,350 -0.2

Securities gains (losses) ..................................................................................... 618 615 0.5 174 308 -43.7

Applicable income taxes .................................................................................... 4,657 3,017 54.4 1,114 931 19.8

Extraordinary gains, net ..................................................................................... 0 1 -100.0 0 0 0.0

Net income ..................................................................................................... 16,008 10,666 50.1 3,795 3,608 5.2

Net charge-offs ................................................................................................... 2,619 4,268 -38.6 558 737 -24.3

Cash dividends ................................................................................................... 6,507 4,448 46.3 2,210 1,416 56.0

Net operating income .................................................................................... 15,525 10,165 52.7 3,665 3,343 9.6

N/M - Not Meaningful

%Change 

20Q4-21Q4

Full Year

2021

Full Year

2020 %Change

4th Quarter

2021

4th Quarter

2020
Quarterly Banking Profile

Fourth Quarter 2021 All FDIC-Insured Savings Institutions

FULL YEAR

(The way it is...)

Number of institutions reporting ................................. 608 105 347 138 18 278 49 143 39 69 30

Total assets (in billions) ................................................ $1,524.1 $5.9 $136.9 $355.8 $1,025.5 $436.7 $142.0 $92.1 $46.6 $652.4 $154.3

Total deposits (in billions) ............................................ 1,291.3 4.6 112.8 293.4 880.5 350.4 119.3 68.8 38.9 588.6 125.3

Net income (in millions) ............................................... 16,008.3 79.4 2,043.6 3,832.7 10,052.6 4,361.7 621.4 2,154.9 439.3 3,668.1 4,762.8

% of unprofitable institutions ...................................... 6.3 20.0 4.3 0.7 5.6 4.7 12.2 9.8 10.3 1.5 0.0

% of institutions with earnings gains ........................... 67.9 52.4 67.2 82.6 61.1 78.1 63.3 55.2 51.3 68.1 63.3

Performance Ratios (%)

Yield on earning assets ................................................. 3.06 3.44 3.36 3.26 2.94 3.24 1.86 3.27 2.71 1.97 8.13

Cost of funding earning assets ..................................... 0.27 0.54 0.43 0.34 0.23 0.39 0.28 0.51 0.35 0.07 0.59

Net interest margin ....................................................... 2.78 2.90 2.93 2.93 2.71 2.85 1.58 2.76 2.36 1.90 7.54

Noninterest income to earning assets ......................... 1.05 6.68 3.90 1.14 0.60 0.92 0.66 6.11 1.18 0.48 0.96

Noninterest expense to earning assets ........................ 2.35 7.68 4.82 2.65 1.88 2.46 1.59 5.93 2.11 1.63 3.60

Credit loss provision to assets ...................................... 0.02 0.00 0.03 -0.01 0.03 -0.02 0.01 -0.16 0.01 -0.03 0.49

Net operating income to assets ................................... 1.08 1.37 1.46 1.03 1.04 0.94 0.43 2.29 1.05 0.62 3.20

Pretax return on assets ................................................. 1.44 1.73 1.95 1.43 1.36 1.35 0.64 2.90 1.37 0.77 4.23

Return on assets ............................................................ 1.11 1.34 1.53 1.12 1.05 1.03 0.45 2.29 1.06 0.62 3.23

Return on equity ........................................................... 11.29 7.07 11.63 9.65 12.06 8.80 4.45 19.02 9.61 8.23 26.80

Net charge-offs to loans and leases ............................. 0.40 0.02 0.01 0.06 0.70 0.04 0.04 -0.03 0.11 0.28 2.08

Loan and lease loss provision to net charge-offs ........ 13.29 12.91 374.90 -18.52 13.46 -90.81 69.34 835.60 33.32 -45.01 33.86

Efficiency ratio .............................................................. 60.73 80.02 70.48 64.93 55.90 65.12 69.05 66.62 59.26 68.23 40.97

Condition Ratios (%)

Earning assets to total assets ....................................... 95.99 93.07 93.92 93.76 97.06 93.39 96.35 92.28 96.39 98.24 95.60

Loss allowance to:

Loans and leases ..................................................... 1.99 1.02 1.01 1.08 2.75 0.95 0.49 0.86 0.91 0.95 7.85

Noncurrent loans and leases .................................. 96.39 104.84 166.71 158.11 85.58 157.58 16.45 86.29 310.80 14.42 750.43

Noncurrent assets plus

other real estate owned to assets .......................... 0.94 0.67 0.42 0.44 1.18 0.42 1.41 0.73 0.18 1.31 0.74

Noncurrent RE loans to RE loans .................................. 2.80 1.00 0.62 0.69 5.91 0.58 6.94 1.16 0.29 12.05 0.94

Equity capital ratio ........................................................ 9.66 18.33 13.16 11.63 8.45 11.70 10.26 12.74 10.29 7.17 11.78

Core capital (leverage) ratio ......................................... 9.69 18.07 13.13 11.30 8.59 10.89 9.62 12.28 10.59 7.66 12.76

Common equity tier 1 capital ratio* ............................ 19.00 32.74 20.32 16.72 19.70 15.15 28.41 17.89 20.30 22.60 17.28

Tier 1 risk-based capital ratio* ..................................... 19.05 32.74 20.33 16.76 19.76 15.15 28.41 18.00 20.47 22.74 17.28

Total risk-based capital ratio* ...................................... 19.84 33.69 21.34 17.73 20.44 16.03 29.07 18.75 21.09 23.27 18.45

Gross real estate assets to gross assets ....................... 63.75 62.04 65.40 65.55 62.92 68.60 56.19 64.01 68.52 69.94 30.93

Gross 1-4 family mortgages to gross assets ................. 15.79 43.40 34.98 26.55 9.36 24.14 13.03 42.04 29.65 8.01 7.97

Net loans and leases to deposits .................................. 52.05 75.60 75.92 74.40 41.42 83.40 55.59 94.20 53.11 21.76 79.79

Structural Changes (YTD)

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

Thrifts absorbed by mergers .................................. 13 4 7 2 0 7 4 2 0 0 0

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

PRIOR FULL YEARS

(The way it was...)

Number of institutions ........................................ 2020 627 119 360 132 16 285 52 147 40 69 34

 ................................ 2018 691 145 412 120 14 318 54 164 46 73 36

 ................................ 2016 801 187 483 115 16 350 69 208 54 82 38

Total assets (in billions) ....................................... 2020 $1,377.9 $7.0 $141.9 $342.5 $886.5 $418.9 $124.7 $97.4 $38.2 $550.9 $147.9

 ................................ 2018 1,214.9 8.5 154.5 348.8 703.1 446.4 103.7 99.7 43.5 138.9 382.6

 ................................ 2016 1,151.9 10.6 177.0 317.5 646.9 438.4 83.2 112.1 59.6 125.3 333.2

Return on assets (%) ............................................ 2020 0.85 0.52 1.25 0.95 0.73 0.78 -0.23 2.03 1.19 0.68 1.48

 ................................ 2018 1.27 1.14 1.07 1.07 1.41 0.91 0.93 1.29 1.07 1.28 1.82

 ................................ 2016 1.26 1.07 1.07 0.85 1.52 0.72 0.88 1.23 0.84 1.21 2.20

Net charge-offs to loans & leases (%) .............. 2020 0.66 0.03 0.05 0.08 1.25 0.06 0.08 0.05 0.15 0.54 3.28

 ................................ 2018 0.81 0.05 0.24 0.10 1.61 0.07 -0.07 0.41 0.25 0.81 3.66

 ................................ 2016 0.62 0.11 0.08 0.10 1.17 0.08 0.03 0.27 0.13 0.83 2.29

Noncurrent assets plus

OREO to assets (%) ....................................... 2020 1.41 0.74 0.59 0.62 1.86 0.54 2.54 0.90 0.25 2.12 0.93

 ................................ 2018 0.91 1.01 0.66 0.54 1.15 0.46 3.15 0.79 0.57 1.84 0.56

 ................................ 2016 1.10 1.30 0.84 0.69 1.37 0.64 5.42 0.96 0.44 1.81 0.51

Equity capital ratio (%) ...................................... 2020 9.74 17.40 13.55 11.68 8.33 11.77 9.69 11.86 11.57 7.29 11.31

 ................................ 2018 10.74 18.90 13.36 12.21 9.34 12.00 10.36 12.27 12.23 10.65 8.84

 ................................ 2016 10.85 17.03 12.64 11.79 9.80 11.80 9.74 11.88 10.83 10.41 9.70

* 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 2021, 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
All FDIC-Insured Savings Institutions

Quarterly Banking Profile

Fourth Quarter 2021

FOURTH QUARTER

(The way it is...)

Number of institutions reporting ................................. 608 105 347 138 18 278 49 143 39 69

Total assets (in billions) ................................................ $1,524.1 $5.9 $136.9 $355.8 $1,025.5 $436.7 $142.0 $92.1 $46.6 $652.4

Total deposits (in billions) ............................................ 1,291.3 4.6 112.8 293.4 880.5 350.4 119.3 68.8 38.9 588.6

Net income (in millions) ............................................... 3,795.5 11.7 543.5 1,074.3 2,166.0 1,217.1 128.2 513.1 107.8 874.0

% of unprofitable institutions ...................................... 10.0 28.6 8.1 1.5 5.6 5.4 22.5 16.8 10.3 8.7

% of institutions with earnings gains ........................... 48.7 45.7 48.1 51.5 55.6 54.3 46.9 37.8 41.0 49.3

Performance Ratios (annualized, %)

Yield on earning assets ................................................. 3.02 3.36 3.31 3.23 2.91 3.19 1.76 3.31 2.59 1.95

Cost of funding earning assets ..................................... 0.23 0.47 0.37 0.28 0.19 0.34 0.24 0.46 0.29 0.07

Net interest margin ....................................................... 2.79 2.89 2.94 2.95 2.71 2.85 1.52 2.85 2.30 1.88

Noninterest income to earning assets ......................... 1.03 6.15 3.95 1.29 0.53 1.07 0.38 6.26 0.98 0.45

Noninterest expense to earning assets ........................ 2.33 7.80 4.89 2.70 1.84 2.51 1.32 6.21 1.96 1.61

Credit loss provision to assets ...................................... 0.15 0.01 0.00 -0.01 0.23 -0.01 -0.01 -0.14 0.02 0.02

Net operating income to assets .................................... 0.98 0.84 1.47 1.13 0.86 1.01 0.35 2.22 0.96 0.56

Pretax return on assets ................................................. 1.32 1.07 2.04 1.56 1.13 1.47 0.58 2.82 1.25 0.69

Return on assets ........................................................... 1.02 0.79 1.60 1.22 0.87 1.12 0.37 2.22 0.96 0.56

Return on equity ........................................................... 10.32 4.21 12.11 10.50 9.94 9.61 3.53 17.66 9.12 7.41

Net charge-offs to loans and leases ............................. 0.33 0.00 -0.02 0.04 0.59 0.04 0.00 -0.02 0.10 0.22

Loan and lease loss provision to net charge-offs ......... 102.13 -397.50 10.16 -44.90 107.88 -51.66 -294.53 1,168.18 72.65 49.47

Efficiency ratio .............................................................. 60.52 86.25 70.95 63.28 55.94 63.70 68.11 67.92 59.43 68.63

Structural Changes (QTR)

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

Thrifts absorbed by mergers ................................... 4 0 2 2 0 2 1 1 0 0

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

PRIOR FOURTH QUARTERS

(The way it was...)

Return on assets (%) ............................................... 202 1.07 0.56 1.61 1.24 0.92 1.09 0.33 2.59 1.20 0.54

 ................................ 2018 1.31 0.88 1.22 0.99 1.49 0.87 0.88 1.59 1.02 0.90

 ................................ 2016 1.20 1.06 1.11 0.91 1.38 0.72 0.92 1.28 0.77 1.28

Net charge-offs to loans & leases (%) .................. 2020 0.45 0.04 0.07 0.08 0.81 0.07 0.07 -0.01 0.10 0.28

 ................................ 2018 0.82 0.07 0.10 0.07 1.70 0.06 -0.02 0.16 0.11 0.88

 ................................ 2016 0.65 0.14 0.10 0.09 1.26 0.08 0.05 0.20 0.20 0.89

TABLE IV-B. Fourth Quarter 2021, 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
Quarterly Banking Profile

Fourth Quarter 2021 All FDIC-Insured Savings Institutions

December 31, 2021

Percent of Loans 30-89 Days Past Due

All loans secured by real estate .................................... 0.67 1.29 0.47 0.23 1.21 0.22 0.87 2.08 0.36 1.47 0.22

Construction, development, and land ................... 0.41 0.74 0.36 0.39 0.46 0.15 0.30 0.52 0.16 1.84 0.04

Nonfarm nonresidential ......................................... 0.15 0.43 0.28 0.11 0.13 0.15 0.06 0.17 0.04 0.21 0.01

Multifamily residential real estate .......................... 0.12 1.44 0.15 0.03 0.15 0.12 0.01 0.06 0.11 0.00 0.21

Home equity loans .................................................. 0.26 0.55 0.38 0.22 0.25 0.26 0.17 0.34 0.23 0.32 0.08

Other 1-4 Family residential ................................... 1.15 1.43 0.60 0.32 2.24 0.35 1.26 2.89 0.44 1.83 0.35

Commercial and industrial loans ................................. 0.40 1.01 0.49 0.50 0.25 0.17 0.16 0.36 0.13 0.94 0.69

Loans to individuals ...................................................... 0.98 1.77 1.49 0.59 1.00 0.78 0.14 0.63 0.59 0.34 1.42

Credit card loans ..................................................... 1.28 0.80 0.86 2.05 1.28 1.09 2.49 1.53 2.72 0.47 1.44

Other loans to individuals ....................................... 0.42 1.77 1.52 0.44 0.32 0.77 0.13 0.44 0.24 0.28 1.13

Total loans and leases .................................................. 0.67 1.28 0.51 0.27 0.94 0.23 0.38 1.71 0.37 0.99 1.10

Percent of Loans Noncurrent*

All real estate loans ....................................................... 2.80 1.00 0.62 0.69 5.91 0.58 6.94 1.16 0.29 12.05 0.94

Construction, development, and land ................... 0.45 0.09 0.33 0.44 0.55 0.40 0.43 0.75 0.11 0.37 0.54

Nonfarm nonresidential ......................................... 0.70 0.47 0.64 0.72 0.70 0.80 0.77 0.56 0.27 0.32 0.41

Multifamily residential real estate .......................... 0.31 0.54 0.35 0.65 0.12 0.27 1.90 0.07 0.06 0.03 0.40

Home equity loans .................................................. 0.67 0.38 1.15 0.48 0.64 0.51 0.90 0.28 0.30 1.06 2.28

Other 1-4 Family residential ................................... 4.98 1.18 0.64 0.74 11.44 0.65 9.89 1.50 0.32 16.36 1.31

Commercial and industrial loans ................................. 0.88 0.92 0.70 0.87 0.95 0.92 2.34 1.32 0.33 0.68 0.50

Loans to individuals ...................................................... 0.79 0.53 0.33 0.28 0.84 0.40 0.11 0.30 0.30 0.37 1.12

Credit card loans ..................................................... 1.12 0.00 0.86 0.66 1.13 0.37 3.13 0.37 1.21 0.89 1.17

Other loans to individuals ....................................... 0.17 0.53 0.30 0.24 0.14 0.40 0.11 0.28 0.15 0.11 0.25

Total loans and leases .................................................. 2.06 0.97 0.61 0.68 3.21 0.60 2.97 0.99 0.29 6.60 1.05

Percent of Loans Charged-Off (net, YTD)

All real estate loans ....................................................... 0.01 0.01 0.00 0.02 0.00 0.02 0.01 0.01 0.00 -0.03 -0.01

Construction, development, and land ................... 0.02 -0.12 -0.03 0.02 0.07 0.04 0.00 0.05 -0.07 0.00 -0.02

Nonfarm nonresidential ......................................... 0.06 0.00 0.01 0.08 0.07 0.06 0.03 0.21 -0.02 0.02 0.00

Multifamily residential real estate .......................... 0.01 0.02 0.01 0.02 0.00 0.00 0.00 -0.01 1.01 0.00 0.00

Home equity loans .................................................. -0.11 -0.01 0.01 -0.03 -0.24 0.02 -0.01 -0.02 -0.46 -0.74 0.04

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

Commercial and industrial loans ................................. 0.22 0.09 -0.02 0.28 0.25 0.08 0.03 -0.02 0.00 0.56 0.76

Loans to individuals ...................................................... 1.91 0.41 0.42 0.54 2.03 0.42 0.03 0.28 1.31 0.70 2.87

Credit card loans ..................................................... 2.72 0.52 1.91 3.04 2.71 2.38 2.28 0.72 7.94 1.55 2.96

Other loans to individuals ....................................... 0.34 0.41 0.35 0.27 0.35 0.38 0.03 0.18 0.23 0.25 1.31

Total loans and leases .................................................. 0.40 0.02 0.01 0.06 0.70 0.04 0.04 -0.03 0.11 0.28 2.08

Loans Outstanding (in billions)

All real estate loans ....................................................... $444.6 $3.2 $76.8 $183.9 $180.7 $255.5 $26.1 $51.4 $17.9 $68.8 $25.0

Construction, development, and land ................... 25.5 0.2 4.7 13.3 7.3 14.5 0.8 3.0 0.8 3.3 3.1

Nonfarm nonresidential .......................................... 99.6 0.3 17.3 51.3 30.8 72.5 4.5 5.2 2.3 11.2 4.0

Multifamily residential real estate .......................... 74.7 0.1 5.3 23.7 45.5 62.2 2.1 3.7 0.5 1.2 5.0

Home equity loans .................................................. 15.9 0.1 2.9 6.2 6.7 7.7 1.2 3.6 0.3 2.1 1.0

Other 1-4 Family residential ................................... 227.0 2.5 45.3 88.9 90.2 98.5 17.4 35.4 13.6 50.3 12.0

Commercial and industrial loans ................................. 48.0 0.1 5.6 23.2 19.1 28.1 1.2 2.8 0.8 10.9 4.2

Loans to individuals ...................................................... 137.3 0.1 3.0 8.2 126.0 6.6 3.6 3.2 1.9 43.8 78.4

Credit card loans ..................................................... 89.6 0.0 0.1 0.8 88.8 0.1 0.0 0.6 0.3 14.5 74.2

Other loans to individuals ....................................... 47.7 0.1 2.9 7.4 37.2 6.4 3.5 2.6 1.6 29.2 4.2

Total loans and leases .................................................. 685.9 3.5 86.6 220.8 375.1 295.1 66.6 65.4 20.9 129.3 108.6

Memo: Other Real Estate Owned (in millions)

All other real estate owned .......................................... $172.3 $6.1 $48.5 $69.8 $47.9 $75.0 $19.0 $21.5 $21.6 $27.4 $7.8

Construction, development, and land ................... 34.7 1.7 17.8 9.6 5.7 10.4 1.0 7.9 6.9 8.3 0.2

Nonfarm nonresidential .......................................... 78.2 0.9 13.7 36.6 27.0 37.4 11.6 2.4 11.5 14.5 0.7

Multifamily residential real estate .......................... 2.9 0.2 0.1 1.6 1.0 2.7 0.0 0.1 0.0 0.1 0.0

1-4 Family residential .............................................. 55.9 3.4 16.9 21.3 14.3 24.6 6.3 10.4 3.1 4.5 7.0

Troubled Real Estate Asset Rates**

(% of total RE assets)

All real estate loans ....................................................... 2.84 1.19 0.68 0.73 5.94 0.61 7.01 1.20 0.41 12.08 0.97

Construction, development, and land ................... 0.58 1.17 0.70 0.51 0.63 0.48 0.56 1.01 0.94 0.61 0.55

Nonfarm nonresidential ......................................... 0.77 0.71 0.70 0.79 0.79 0.85 1.02 0.59 0.71 0.46 0.43

Multifamily residential real estate .......................... 0.31 0.74 0.35 0.65 0.12 0.27 1.90 0.07 0.06 0.04 0.40

1-4 Family residential .............................................. 4.72 1.27 0.71 0.75 10.71 0.66 9.35 1.41 0.34 15.74 1.44

* 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