All FDIC-Insured Commercial Banks

Quarterly Banking Profile

First Quarter 2024

INCOME DATA

Total interest income ......................................................................................... $1,091,906 $704,379 55.0 $296,193 $247,275 19.8

Total interest expense ........................................................................................ 431,720 112,004 285.5 134,130 81,615 64.3

Net interest income ....................................................................................... 660,186 592,374 11.5 162,064 165,659 -2.2

Provision for credit losses .................................................................................. 79,544 47,566 67.2 18,364 19,209 -4.4

Total noninterest income ................................................................................... 294,955 280,320 5.2 75,148 83,398 -9.9

Total noninterest expense ................................................................................. 563,184 507,606 11.0 140,068 133,659 4.8

Securities gains (losses) ..................................................................................... -11,024 -3,519 N/M -812 -2,165 N/M

Applicable income taxes .................................................................................... 56,520 63,648 -11.2 15,794 16,794 -6.0

Extraordinary gains, net ..................................................................................... 882 -264 N/M 67 8 691.8

Net income ..................................................................................................... 245,368 249,849 -1.8 62,151 77,150 -19.4

Net charge-offs ................................................................................................... 57,532 28,547 101.5 18,438 11,264 63.7

Cash dividends ................................................................................................... 208,832 139,294 49.9 32,037 43,216 -25.9

Net operating income .................................................................................... 253,886 253,392 0.2 62,815 79,043 -20.5

N/M - Not Meaningful

%Change 

23Q1-24Q1

Full Year 

2023

Full Year 

2022 %Change

1st Quarter

2024

1st Quarter

2023

(dollar figures in millions)

Number of institutions reporting .................................................................................... 4,012 4,027 4,097 -2.1

Total employees (full-time equivalent) .......................................................................... 1,970,248 1,974,428 2,021,788 -2.5

CONDITION DATA

Total assets ...................................................................................................................... $22,753,921 $22,451,158 $22,434,490 1.4

Loans secured by real estate ...................................................................................... 5,525,170 5,507,317 5,371,537 2.9

Commercial & industrial loans ................................................................................... 2,449,199 2,441,442 2,484,045 -1.4

Loans to individuals ................................................................................................... 1,924,521 1,972,833 1,889,566 1.8

Farm loans .................................................................................................................. 76,085 78,973 66,579 14.3

Other loans & leases ................................................................................................... 1,805,906 1,812,375 1,759,120 2.7

Less: Unearned income .............................................................................................. 1,771 1,371 1,450 22.1

Total loans & leases .................................................................................................... 11,779,109 11,811,569 11,569,398 1.8

Less: Reserve for losses .............................................................................................. 202,276 201,914 187,111 8.1

Net loans and leases ........................................................................................................ 11,576,833 11,609,655 11,382,287 1.7

Securities ......................................................................................................................... 5,036,563 4,984,651 5,104,316 -1.3

Other real estate owned .................................................................................................. 2,857 2,743 2,544 12.3

Goodwill and other intangibles ....................................................................................... 417,029 417,455 428,818 -2.7

All other assets ................................................................................................................ 5,720,639 5,436,654 5,516,525 3.7

Total liabilities and capital ............................................................................................. 22,753,921 22,451,158 22,434,490 1.4

Noninterest-bearing deposits .................................................................................... 3,977,078 4,006,366 4,547,212 -12.5

Interest-bearing deposits ........................................................................................... 14,052,011 13,825,627 13,154,045 6.8

Other borrowed funds ................................................................................................ 1,668,358 1,614,564 1,771,100 -5.8

Subordinated debt ..................................................................................................... 56,748 57,049 60,741 -6.6

All other liabilities ....................................................................................................... 786,688 756,193 735,888 6.9

Equity capital .............................................................................................................. 2,213,038 2,191,359 2,165,505 2.2

Loans and leases 30-89 days past due ............................................................................ 64,437 68,753 57,567 11.9

Noncurrent loans and leases ........................................................................................... 104,884 99,231 83,388 25.8

Restructured loans and leases ........................................................................................ 38,682 34,800 11,927 224.3

1-4 family residential mortgages .................................................................................... 2,589,207 2,589,198 2,521,582 2.7

Mortgage-backed securities ............................................................................................ 2,581,388 2,582,221 2,663,032 -3.1

Earning assets ................................................................................................................. 20,627,718 20,332,634 20,302,543 1.6

Long-term assets (5+ years) ............................................................................................ 6,092,074 6,169,228 6,458,720 -5.7

Volatile liabilities ............................................................................................................. 3,356,608 3,266,017 3,281,383 2.3

Foreign office deposits .................................................................................................... 1,461,077 1,467,776 1,438,164 1.6

FHLB Advances ................................................................................................................ 462,060 499,320 695,186 -33.5

Unused loan commitments ............................................................................................. 9,291,653 9,135,273 9,082,571 2.3

Off-balance-sheet derivatives ......................................................................................... 209,243,375 194,690,314 220,396,656 -5.1

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

1st Quarter

2024

4th Quarter

2023

1st Quarter

2023

%Change 

23Q1-24Q1

2024* 2023* 2023 2022 2021 2020 2019

Return on assets (%) ............................................................................. 1.10 1.39 1.11 1.12 1.24 0.71 1.29

Return on equity (%) ............................................................................. 11.30 14.56 11.48 11.80 12.27 6.75 11.32

Core capital (leverage) ratio ................................................................. 9.10 9.10 9.05 8.93 8.67 8.79 9.61

Noncurrent assets plus

other real estate owned to assets (%) ........................................... 0.48 0.39 0.46 0.38 0.40 0.56 0.52

Net charge-offs to loans (%) ................................................................. 0.63 0.39 0.50 0.26 0.24 0.49 0.49

Asset growth rate (%) ............................................................................ 1.42 -0.41 0.60 0.53 8.35 17.15 4.57

Net interest margin (%) ........................................................................ 3.17 3.31 3.30 2.93 2.52 2.80 3.32

Net operating income growth (%) ....................................................... -20.53 39.50 0.20 -3.05 100.38 -39.29 -3.33

Number of institutions reporting ........................................................ 4,012 4,097 4,027 4,127 4,232 4,375 4,518

Percentage of unprofitable institutions (%) ....................................... 4.94 3.76 3.82 2.98 2.62 4.02 3.30

Number of failed institutions ............................................................... 0 2 5 0 0 4 3

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

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

First Quarter 2024 All FDIC-Insured Commercial Banks

FIRST QUARTER

(The way it is...)

Number of institutions reporting .................................. 4,012 610 2,530 730 129 13 283 476 846 1,129 968 310

Total assets (in billions) ................................................. $22,753.9 $38.1 $939.5 $2,057.4 $6,111.4 $13,607.7 $4,272.1 $4,880.9 $6,040.7 $4,194.7 $1,478.4 $1,887.2

Total deposits (in billions) ............................................. 18,029.1 32.0 800.4 1,701.6 4,939.7 10,555.4 3,375.7 3,910.5 4,582.1 3,404.7 1,228.4 1,527.9

Net income (in millions) ................................................. 62,151 85 2,451 6,079 16,977 36,559 9,134 12,465 17,850 10,864 4,123 7,715

% of unprofitable institutions ....................................... 4.9 13.6 3.7 2.6 2.3 0.0 7.8 6.3 4.4 3.0 4.6 10.0

% of institutions with earnings gains ............................ 37.3 40.5 37.8 34.1 33.3 23.1 29.3 37.8 36.6 39.8 39.6 30.0

Performance Ratios (annualized, %)

Yield on earning assets ................................................... 5.79 5.29 5.48 5.84 6.20 5.61 6.11 5.53 5.48 5.81 5.71 6.67

Cost of funding earning assets ...................................... 2.62 1.52 1.98 2.33 2.76 2.65 3.21 2.33 2.47 2.61 2.34 2.78

Net interest margin ........................................................ 3.17 3.77 3.50 3.51 3.44 2.96 2.90 3.21 3.01 3.20 3.37 3.89

Noninterest income to earning assets .......................... 1.47 1.09 0.80 1.16 1.49 1.56 1.48 1.07 1.65 1.29 0.98 2.67

Noninterest expense to earning assets ......................... 2.74 3.66 2.89 2.85 2.88 2.64 2.68 2.50 2.68 2.71 2.70 3.69

Credit loss provision to assets ....................................... 0.33 0.10 0.09 0.23 0.41 0.32 0.38 0.41 0.20 0.33 0.14 0.52

Net operating income to assets ..................................... 1.11 0.91 1.06 1.19 1.14 1.09 0.87 1.02 1.23 1.04 1.13 1.67

Pretax return on assets .................................................. 1.38 1.00 1.21 1.47 1.44 1.35 1.14 1.20 1.54 1.29 1.34 2.14

Return on assets ............................................................. 1.10 0.89 1.05 1.19 1.11 1.09 0.87 1.02 1.20 1.04 1.12 1.64

Return on equity ............................................................ 11.30 7.29 10.97 11.74 10.95 11.44 8.53 10.35 12.96 10.98 10.83 16.24

Net charge-offs to loans and leases .............................. 0.63 0.07 0.09 0.29 0.61 0.77 0.74 0.80 0.43 0.68 0.16 0.81

Loan and lease loss provision to net charge-offs ......... 102.28 256.47 154.26 114.68 107.05 97.91 98.32 102.25 102.70 102.12 146.60 101.85

Efficiency ratio ................................................................ 58.59 75.01 67.00 60.46 57.94 57.98 60.80 58.05 57.04 60.06 61.64 55.93

Condition Ratios (%)

Earning assets to total assets ........................................ 90.66 93.17 93.96 93.11 91.95 89.47 89.81 90.55 89.96 90.65 91.89 94.13

Loss allowance to:

Loans and leases ...................................................... 1.72 1.46 1.32 1.38 1.69 1.86 1.85 1.75 1.60 1.86 1.27 1.80

Noncurrent loans and leases ................................... 192.86 166.27 228.95 195.08 198.16 187.27 164.25 191.08 197.66 197.00 188.87 260.82

Noncurrent assets plus

other real estate owned to assets ........................... 0.48 0.54 0.42 0.54 0.56 0.43 0.59 0.48 0.40 0.47 0.48 0.47

Equity capital ratio ......................................................... 9.71 12.20 9.56 10.12 10.19 9.44 10.09 9.89 9.17 9.49 10.33 10.18

Core capital (leverage) ratio .......................................... 9.10 13.76 11.09 10.57 9.67 8.45 9.31 8.77 8.60 8.96 10.34 10.32

Common equity tier 1 capital ratio* .............................. 13.76 21.63 15.02 13.43 13.34 13.98 14.15 13.24 14.21 13.19 13.06 14.78

Tier 1 risk-based capital ratio* ....................................... 13.82 21.63 15.09 13.45 13.45 14.01 14.19 13.29 14.26 13.28 13.15 14.83

Total risk-based capital ratio* ....................................... 15.18 22.68 16.21 14.54 14.84 15.42 15.52 14.58 15.67 14.79 14.43 16.08

Net loans and leases to deposits ................................... 64.21 64.93 75.69 83.54 77.65 53.93 63.41 63.17 60.94 58.90 77.70 79.47

Structural Changes

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

Banks absorbed by mergers .................................... 13 3 9 1 0 0 1 0 1 7 1 3

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

PRIOR FIRST QUARTERS

(The way it was...)

Number of institutions .......................................... 2023 4,097 651 2,607 696 130 13 292 483 865 1,157 982 318

 ................................ 2021 4,357 780 2,768 668 129 12 307 516 918 1,245 1,034 337

 ................................ 2019 4,681 1,123 2,905 528 116 9 338 568 995 1,323 1,100 357

Total assets (in billions) ........................................ 2023 $22,434.5 $39.7 $952.5 $1,946.8 $6,333.0 $13,162.5 $4,137.7 $4,816.1 $5,683.4 $4,129.3 $1,451.4 $2,216.6

 ................................ 2021 21,111.6 48.0 979.9 1,780.9 6,052.5 12,250.3 3,681.4 4,464.8 5,321.4 4,152.1 1,293.6 2,198.4

 ................................ 2019 16,906.6 67.0 945.5 1,387.3 5,613.9 8,892.9 2,947.2 3,597.6 4,026.2 3,634.3 1,003.5 1,697.8

Return on assets (%) ............................................. 2023 1.39 1.01 1.21 1.22 1.86 1.21 1.25 2.01 1.24 1.23 1.26 1.11

 ................................ 2021 1.40 1.10 1.33 1.59 1.63 1.26 1.21 1.37 1.43 1.35 1.44 1.81

 ................................ 2019 1.35 0.97 1.22 1.29 1.42 1.33 1.20 1.41 1.32 1.30 1.37 1.64

Net charge-offs to loans & leases (%) .................. 2023 0.39 0.05 0.05 0.24 0.38 0.48 0.43 0.51 0.28 0.38 0.08 0.57

 ................................ 2021 0.33 0.04 0.05 0.15 0.36 0.39 0.40 0.37 0.29 0.42 0.08 0.26

 ................................ 2019 0.48 0.14 0.10 0.20 0.64 0.46 0.72 0.59 0.24 0.52 0.12 0.46

Noncurrent assets plus

OREO to assets ............................................... 2023 0.39 0.48 0.33 0.44 0.42 0.36 0.49 0.36 0.34 0.40 0.36 0.35

 ................................ 2021 0.52 0.70 0.55 0.61 0.58 0.46 0.58 0.48 0.46 0.62 0.57 0.41

 ................................ 2019 0.58 0.96 0.76 0.68 0.56 0.55 0.59 0.57 0.53 0.68 0.62 0.44

Equity capital ratio (%) ......................................... 2023 9.64 11.80 9.20 9.74 9.88 9.54 9.97 9.71 9.41 9.54 9.81 9.53

 ................................ 2021 10.01 12.68 10.47 10.59 10.71 9.53 10.25 10.60 9.26 9.80 10.93 10.05

 ................................ 2019 11.40 13.13 11.42 11.89 12.60 10.55 12.84 12.21 10.28 10.34 12.18 11.65

San Francisco - Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming

Regions:

New York - Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Puerto Rico Rhode Island, Vermont, U.S. Virgin Islands

Atlanta - Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia

Chicago - Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin

Kansas City - Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota

Dallas - Arkansas, Colorado, Louisiana, Mississippi, New Mexico, Oklahoma, Tennessee, Texas

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

TABLE III-A. First Quarter 2024, 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 Commercial Banks

Quarterly Banking Profile

First Quarter 2024

FULL YEAR

(The way it is...)

Number of institutions reporting .................................. 4,027 611 2,575 698 130 13 285 476 847 1,135 970 314

Total assets (in billions) ................................................. $22,451.2 $37.9 $964.7 $2,005.9 $6,098.6 $13,344.2 $4,171.4 $4,856.8 $5,899.1 $4,167.1 $1,472.7 $1,884.0

Total deposits (in billions) ............................................. 17,832.0 31.7 819.9 1,650.2 4,914.1 10,416.1 3,327.5 3,882.1 4,523.9 3,372.2 1,211.5 1,514.9

Net income (in millions) ................................................. 245,368 355 10,273 23,553 72,514 138,672 39,051 55,871 70,594 41,282 16,647 21,923

% of unprofitable institutions ....................................... 3.8 9.5 3.0 2.2 3.1 7.7 5.6 5.3 3.1 1.9 3.5 9.9

% of institutions with earnings gains ............................ 49.3 60.6 49.9 39.8 34.6 46.2 40.4 55.9 47.3 45.8 54.7 48.4

Performance Ratios (%)

Yield on earning assets ................................................... 5.45 4.94 5.08 5.53 5.84 5.29 5.72 5.23 5.15 5.52 5.36 6.26

Cost of funding earning assets ...................................... 2.16 1.05 1.49 1.85 2.30 2.19 2.64 1.87 2.02 2.17 1.88 2.40

Net interest margin ........................................................ 3.30 3.89 3.59 3.68 3.54 3.10 3.08 3.36 3.14 3.34 3.48 3.86

Noninterest income to earning assets .......................... 1.47 1.16 0.86 1.12 1.61 1.51 1.39 1.37 1.65 1.20 0.96 2.36

Noninterest expense to earning assets ......................... 2.81 3.77 2.91 2.87 2.93 2.74 2.68 2.73 2.72 2.76 2.74 3.74

Credit loss provision to assets ....................................... 0.36 0.08 0.12 0.25 0.46 0.35 0.38 0.43 0.26 0.37 0.16 0.57

Net operating income to assets ..................................... 1.15 0.97 1.14 1.25 1.27 1.08 0.96 1.19 1.27 1.01 1.17 1.35

Pretax return on assets .................................................. 1.36 1.09 1.27 1.50 1.50 1.29 1.20 1.35 1.52 1.23 1.37 1.55

Return on assets ............................................................. 1.11 0.95 1.09 1.21 1.21 1.05 0.95 1.17 1.22 1.00 1.15 1.18

Return on equity ............................................................ 11.48 8.07 11.90 12.44 12.24 10.96 9.45 11.98 12.95 10.54 11.68 12.28

Net charge-offs to loans and leases .............................. 0.50 0.08 0.10 0.28 0.49 0.60 0.55 0.63 0.37 0.50 0.15 0.71

Loan and lease loss provision to net charge-offs ......... 137.23 186.15 169.14 129.06 144.77 133.37 135.60 131.64 154.88 137.80 166.03 123.62

Efficiency ratio ................................................................ 57.32 74.50 64.86 59.24 54.91 57.68 57.70 54.30 56.17 60.45 60.97 58.16

Condition Ratios (%)

Earning assets to total assets ........................................ 90.56 92.74 93.71 92.95 91.87 89.37 89.92 90.34 89.80 90.60 91.60 94.06

Loss allowance to:

Loans and leases ...................................................... 1.71 1.44 1.32 1.39 1.68 1.85 1.86 1.74 1.59 1.83 1.27 1.79

Noncurrent loans and leases ................................... 203.48 190.90 253.17 203.89 211.08 196.20 175.28 202.37 215.49 195.03 204.94 274.96

Noncurrent assets plus

other real estate owned to assets ........................... 0.46 0.46 0.38 0.51 0.52 0.43 0.56 0.46 0.37 0.48 0.44 0.45

Equity capital ratio ......................................................... 9.75 12.25 9.58 10.08 10.14 9.53 10.21 9.90 9.29 9.46 10.29 10.02

Core capital (leverage) ratio .......................................... 9.05 13.83 11.06 10.50 9.61 8.41 9.35 8.69 8.53 8.94 10.26 10.21

Common equity tier 1 capital ratio* .............................. 13.65 21.30 14.91 13.29 13.21 13.87 13.98 13.14 14.19 13.05 12.92 14.57

Tier 1 risk-based capital ratio* ....................................... 13.70 21.30 14.97 13.31 13.32 13.90 14.02 13.19 14.24 13.13 13.01 14.63

Total risk-based capital ratio* ....................................... 15.05 22.34 16.09 14.40 14.69 15.29 15.34 14.44 15.66 14.63 14.25 15.86

Net loans and leases to deposits ................................... 65.11 65.05 75.97 84.13 78.20 55.06 64.29 63.78 61.90 60.24 77.83 80.54

Structural Changes

New reporters .......................................................... 6 6 0 0 0 0 1 0 2 0 0 3

Banks absorbed by mergers .................................... 100 25 52 20 3 0 11 12 27 27 20 3

Failed banks ............................................................. 5 1 1 0 3 0 1 0 0 2 0 2

PRIOR FULL YEARS

(The way it was...)

Number of institutions ......................................... 2022 4,127 666 2,632 687 130 12 295 488 874 1,161 987 322

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

Total assets (in billions) ....................................... 2022 $22,318.0 $41.1 $967.9 $1,945.6 $6,626.6 $12,736.7 $4,175.9 $4,560.2 $5,504.3 $4,187.9 $1,416.5 $2,473.2

 ................................ 2020 20,490.8 50.1 959.5 1,727.3 5,813.9 11,940.0 3,596.1 4,360.5 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

Return on assets (%) ............................................ 2022 1.12 0.84 1.16 1.37 1.26 1.02 1.05 1.17 1.07 0.97 1.28 1.43

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

Net charge-offs to loans & leases (%) .................. 2022 0.26 0.06 0.06 0.16 0.23 0.32 0.29 0.35 0.19 0.27 0.07 0.30

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

Noncurrent assets plus

OREO to assets ............................................... 2022 0.38 0.50 0.34 0.49 0.39 0.36 0.48 0.37 0.33 0.39 0.34 0.33

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

Equity capital ratio (%) ........................................ 2022 9.46 11.46 8.85 9.53 9.64 9.39 9.78 9.73 9.21 9.23 9.61 9.29

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

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

TABLE IV-A. Full Year 2023, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

$10 Billion

to

$250 Billion

Greater

Than $250

Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco
Quarterly Banking Profile

First Quarter 2024 All FDIC-Insured Commercial Banks

MARCH 31, 2024

Percent of Loans 30-89 Days Past Due

All loans secured by real estate ...................................... 0.42 1.00 0.54 0.32 0.42 0.42 0.50 0.45 0.35 0.47 0.42 0.28

Construction and development ............................... 0.38 1.34 0.59 0.36 0.36 0.32 0.59 0.21 0.34 0.44 0.38 0.27

Nonfarm nonresidential ........................................... 0.26 0.89 0.43 0.21 0.22 0.32 0.30 0.28 0.26 0.25 0.25 0.22

Multifamily residential real estate ........................... 0.22 0.57 0.18 0.27 0.28 0.12 0.43 0.07 0.19 0.18 0.12 0.05

Home equity loans .................................................... 0.57 0.57 0.48 0.47 0.65 0.54 0.56 0.49 0.63 0.63 0.61 0.46

Other 1-4 Family residential ..................................... 0.57 1.26 0.71 0.50 0.66 0.52 0.67 0.66 0.42 0.63 0.74 0.42

Commercial and industrial loans ................................... 0.30 1.09 0.74 0.52 0.27 0.25 0.19 0.22 0.37 0.28 0.41 0.52

Loans to individuals ........................................................ 1.53 1.45 1.11 1.85 1.41 1.58 1.40 2.06 0.96 1.43 1.65 1.70

Credit card loans ....................................................... 1.49 3.46 1.91 3.36 1.38 1.49 1.84 1.90 1.09 1.37 0.48 1.09

Other loans to individuals ........................................ 1.57 1.43 1.09 1.49 1.43 1.72 1.01 2.24 0.82 1.61 1.78 2.06

All other loans and leases (including farm) ................... 0.25 0.69 0.71 0.47 0.17 0.25 0.28 0.16 0.38 0.17 0.23 0.15

Total loans and leases .................................................... 0.55 1.00 0.60 0.46 0.53 0.57 0.56 0.65 0.45 0.51 0.44 0.66

Memo: Nonfarm nonres loans not secured by RE ........ 0.10 0.03 0.02 0.07 0.14 0.10 0.07 0.09 0.13 0.11 0.05 0.15

Percent of Loans Noncurrent*

All real estate loans ......................................................... 1.07 0.83 0.53 0.58 0.91 1.61 1.30 1.17 1.00 1.43 0.64 0.58

Construction and development ............................... 0.58 0.61 0.51 0.69 0.37 0.90 1.02 0.46 0.84 0.31 0.35 0.63

Nonfarm nonresidential ........................................... 1.28 1.12 0.60 0.52 1.03 3.07 1.69 1.65 1.02 2.13 0.57 0.61

Multifamily residential real estate ........................... 0.38 1.11 0.26 0.47 0.45 0.27 0.67 0.30 0.23 0.49 0.36 0.14

Home equity loans .................................................... 1.80 0.49 0.42 0.49 1.18 2.92 1.68 1.26 2.32 3.77 0.79 0.54

Other 1-4 Family residential ..................................... 1.11 0.80 0.48 0.67 1.06 1.31 1.21 1.01 1.10 1.39 0.98 0.69

Commercial and industrial loans ................................... 0.83 1.38 0.93 1.16 0.99 0.66 1.25 0.69 0.89 0.46 0.89 0.94

Loans to individuals ........................................................ 1.12 0.87 0.42 1.21 1.00 1.20 1.29 1.34 0.75 1.26 0.80 0.96

Credit card loans ....................................................... 1.74 2.26 1.11 4.11 1.69 1.70 2.15 2.16 1.22 1.60 0.37 1.47

Other loans to individuals ........................................ 0.49 0.86 0.40 0.51 0.53 0.45 0.51 0.50 0.26 0.42 0.85 0.66

All other loans and leases (including farm) ................... 0.22 0.63 0.53 0.54 0.17 0.21 0.35 0.10 0.29 0.14 0.30 0.15

Total loans and leases .................................................... 0.89 0.88 0.58 0.71 0.85 0.99 1.13 0.91 0.81 0.94 0.67 0.69

Memo: Nonfarm nonres loans not secured by RE ........ 0.33 0.69 1.07 0.18 0.26 0.35 0.23 0.11 0.86 0.10 0.09 0.22

Percent of Loans Charged-Off (net, annual)

All real estate loans ......................................................... 0.10 -0.01 0.02 0.03 0.08 0.17 0.14 0.19 0.04 0.11 0.03 0.04

Construction and development ............................... 0.04 0.00 -0.01 0.01 0.06 0.07 0.17 0.02 0.04 0.05 0.00 -0.01

Nonfarm nonresidential ........................................... 0.28 -0.04 0.05 0.04 0.20 0.84 0.38 0.57 0.16 0.36 0.07 0.09

Multifamily residential real estate ........................... 0.05 0.00 0.01 0.04 0.03 0.10 0.06 0.01 0.02 0.27 0.01 0.00

Home equity loans .................................................... -0.04 -0.01 0.00 0.01 0.01 -0.10 0.03 -0.09 -0.07 -0.11 0.01 0.01

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

Commercial and industrial loans ................................... 0.40 0.30 0.28 0.38 0.51 0.34 0.29 0.36 0.44 0.25 0.40 0.91

Loans to individuals ........................................................ 2.92 0.49 0.86 3.37 2.67 3.08 3.42 3.19 2.05 3.62 1.29 2.52

Credit card loans ....................................................... 4.58 15.08 7.09 10.36 4.73 4.38 5.86 5.00 3.37 4.48 1.65 4.15

Other loans to individuals ........................................ 1.21 0.38 0.70 1.68 1.27 1.11 1.23 1.31 0.66 1.42 1.25 1.55

All other loans and leases (including farm) ................... 0.09 -0.02 0.09 0.13 0.08 0.10 0.07 0.12 0.08 0.10 0.17 0.06

Total loans and leases .................................................... 0.63 0.07 0.09 0.29 0.61 0.77 0.74 0.80 0.43 0.68 0.16 0.81

Memo: Nonfarm nonres loans not secured by RE ........ 0.01 0.00 0.03 -0.02 0.03 0.00 0.02 0.02 0.00 0.00 0.04 -0.04

Loans Outstanding (in billions)

All real estate loans ......................................................... $5,525.2 $13.8 $472.3 $1,050.3 $1,980.5 $2,008.2 $1,042.7 $1,006.2 $1,292.7 $898.7 $683.2 $601.7

Construction and development ............................... 472.1 0.9 50.5 124.6 197.7 98.4 73.6 76.3 86.4 71.3 119.2 45.2

Nonfarm nonresidential ........................................... 1,731.1 3.3 182.0 475.2 700.0 370.6 337.5 337.0 298.1 224.4 293.0 241.0

Multifamily residential real estate ........................... 571.6 0.4 27.4 108.6 240.9 194.3 160.8 56.4 173.6 63.4 40.9 76.5

Home equity loans .................................................... 254.1 0.2 13.6 35.0 95.0 110.2 66.0 57.3 63.5 26.4 20.6 20.3

Other 1-4 Family residential ..................................... 2,335.1 5.8 147.7 266.1 729.6 1,185.9 399.3 464.0 644.3 432.6 185.8 209.2

Commercial and industrial loans ................................... 2,449.2 2.8 77.9 237.5 792.6 1,338.4 395.1 635.9 598.3 432.3 188.9 198.8

Loans to individuals ........................................................ 1,924.5 1.5 24.5 86.2 667.0 1,145.3 381.7 478.1 415.1 309.1 31.0 309.6

Credit card loans ....................................................... 974.5 0.0 0.6 16.6 267.4 689.9 180.2 242.1 212.5 221.9 3.1 114.8

Other loans to individuals ........................................ 950.0 1.5 23.9 69.6 399.6 455.4 201.5 236.0 202.6 87.2 27.9 194.8

All other loans and leases (including farm) ................... 1,882.0 3.1 39.3 68.1 462.4 1,309.1 361.5 394.0 531.6 403.7 64.1 127.1

Total loans and leases .................................................... 11,780.9 21.1 614.1 1,442.1 3,902.5 5,801.0 2,181.1 2,514.1 2,837.7 2,043.7 967.2 1,237.2

Memo: Nonfarm nonres loans not secured by RE ........ 207.8 0.1 1.9 6.4 50.5 148.9 31.0 67.5 54.2 36.8 6.1 12.3

Memo: Other Real Estate Owned (in millions)

All other real estate owned ............................................. $2,857.1 $18.6 $360.2 $699.9 $780.4 $998.0 $358.6 $626.7 $511.6 $556.1 $571.1 $233.1

Construction and development ............................... 397.3 2.8 109.3 165.6 94.0 25.7 35.5 39.8 23.4 99.3 177.6 21.7

Nonfarm nonresidential ........................................... 1,590.5 9.0 150.1 366.1 380.0 685.2 120.7 442.4 275.9 357.2 283.5 110.7

Multifamily residential real estate ........................... 99.0 0.1 12.5 61.3 20.1 5.0 12.9 0.1 6.7 41.3 18.6 19.4

1-4 Family residential* .............................................. 706.0 6.6 61.5 87.0 272.7 278.1 189.5 140.0 202.6 42.6 65.1 66.2

Farmland ................................................................... 60.4 0.1 26.8 19.9 13.7 0.0 0.0 4.4 3.0 11.7 26.2 15.2

Other real estate owned in foreign offices .............. 4.0 0.0 0.0 0.0 0.0 4.0 0.0 0.0 0.0 4.0 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

First Quarter 2024

2024* 2023* 2023 2022 2021 2020 2019

Return on assets (%) ............................................................................. 0.67 0.83 0.72 0.99 1.11 0.85 1.34

Return on equity (%) ............................................................................. 7.78 11.26 9.32 12.25 11.30 8.34 12.30

Core capital (leverage) ratio (%) .......................................................... 10.81 9.90 10.71 9.77 9.69 9.25 10.27

Noncurrent assets plus

other real estate owned to assets (%) ........................................... 0.72 0.70 0.66 0.67 0.94 1.41 1.02

Net charge-offs to loans (%) ................................................................. 1.17 0.73 0.89 0.48 0.40 0.66 0.91

Asset growth rate (%) ............................................................................ -6.32 -11.17 -5.07 -15.70 10.22 19.41 -5.02

Net interest margin ............................................................................... 3.33 3.32 3.29 3.28 2.78 3.09 3.87

Net operating income growth (%) ....................................................... -27.45 -26.19 -30.42 -14.33 52.27 -31.26 -0.28

Number of institutions reporting ........................................................ 556 575 560 579 607 627 659

Percentage of unprofitable institutions (%) ....................................... 21.22 10.26 15.71 7.60 6.43 9.41 6.68

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

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

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

(dollar figures in millions)

Number of institutions reporting .................................................................................... 556 560 575 -3.3

Total employees (full-time equivalent) .......................................................................... 103,719 104,256 107,501 -3.5

CONDITION DATA

Total assets ...................................................................................................................... $1,203,792 $1,215,399 $1,285,006 -6.3

Loans secured by real estate ...................................................................................... 419,506 419,780 430,702 -2.6

1-4 family residential .............................................................................................. 247,240 247,235 254,624 -2.9

Multifamily residential property ............................................................................ 48,625 48,060 49,613 -2.0

Nonfarm nonresidential ......................................................................................... 97,097 97,550 99,039 -2.0

Construction, development, and land ................................................................... 26,441 26,830 27,336 -3.3

Commercial & industrial loans ........................................................................................ 39,507 39,902 43,766 -9.7

Loans to individuals ........................................................................................................ 161,118 162,780 148,164 8.7

Other loans & leases ........................................................................................................ 18,276 18,211 20,258 -9.8

Less: Unearned income & contra accounts .................................................................... 208 164 185 12.5

Total loans & leases ......................................................................................................... 638,200 640,509 642,705 -0.7

Less: Reserve for losses ................................................................................................... 16,299 15,911 14,939 9.1

Net loans & leases ........................................................................................................... 621,901 624,598 627,766 -0.9

Securities ......................................................................................................................... 438,061 450,065 506,849 -13.6

Other real estate owned .................................................................................................. 122 127 143 -14.7

Goodwill and other intangibles ....................................................................................... 5,863 5,807 6,633 -11.6

All other assets ................................................................................................................ 137,845 134,802 143,615 -4.0

Total liabilities and capital ............................................................................................. 1,203,792 1,215,399 1,285,006 -6.3

Deposits ...................................................................................................................... 968,555 981,665 1,041,232 -7.0

Other borrowed funds ................................................................................................ 110,182 109,699 129,704 -15.1

Subordinated debt ..................................................................................................... 832 832 81 920.9

All other liabilities ....................................................................................................... 19,586 20,065 17,234 13.6

Equity capital .............................................................................................................. 104,638 103,138 96,754 8.2

Loans and leases 30-89 days past due ............................................................................ 6,379 6,706 5,938 7.4

Noncurrent loans and leases ........................................................................................... 8,500 7,902 8,803 -3.4

Restructured loans and leases ........................................................................................ 1,673 1,657 913 83.1

Mortgage-backed securities ............................................................................................ 333,075 339,255 369,214 -9.8

Earning assets ................................................................................................................. 1,135,898 1,151,461 1,220,378 -6.9

FHLB Advances ................................................................................................................ 80,267 84,966 109,257 -26.5

Unused loan commitments ............................................................................................. 609,350 606,856 611,014 -0.3

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

1st Quarter

2024

4th Quarter

2023

1st Quarter

2023

%Change 

23Q1-24Q1

INCOME DATA

Total interest income ......................................................................................... $58,148 $46,515 25.0 $15,528 $14,077 10.3

Total interest expense ........................................................................................ 20,110 5,575 260.7 6,029 3,997 50.8

Net interest income ....................................................................................... 38,038 40,940 -7.1 9,500 10,080 -5.8

Provision for credit losses .................................................................................. 7,046 4,063 73.4 2,241 1,533 46.2

Total noninterest income ................................................................................... 10,386 10,524 -1.3 2,698 2,571 4.9

Total noninterest expense ................................................................................. 29,525 30,450 -3.0 7,384 7,675 -3.8

Securities gains (losses) ..................................................................................... -470 -384 N/M 103 -12 N/M

Applicable income taxes .................................................................................... 2,532 3,627 -30.2 652 766 -14.9

Extraordinary gains, net ..................................................................................... -4 31 -112.8 -1 -4 N/M

Net income ..................................................................................................... 8,819 12,957 -31.9 2,015 2,655 -24.1

Net charge-offs ................................................................................................... 5,490 2,908 88.8 1,860 1,162 60.0

Cash dividends ................................................................................................... 4,261 13,074 -67.4 560 1,032 -45.8

Net operating income .................................................................................... 9,227 13,260 -30.4 1,941 2,676 -27.5

N/M - Not Meaningful

%Change 

23Q1-24Q1

Full Year 

2023

Full Year 

2022 %Change

1st Quarter

2024

1st Quarter

2023
Quarterly Banking Profile

First Quarter 2024 All FDIC-Insured Savings Institutions

FIRST QUARTER

(The way it is...)

Number of institutions reporting ................................. 556 84 321 136 15 255 41 132 35 64 29

Total assets (in billions) ................................................ $1,203.8 $4.9 $129.9 $332.3 $736.8 $369.2 $14.6 $75.6 $59.4 $510.1 $175.0

Total deposits (in billions) ............................................ 968.6 3.6 103.4 258.5 603.1 291.3 11.9 53.9 50.2 422.3 138.9

Net income (in millions) ............................................... 2,015.5 5.9 329.0 500.4 1,180.2 467.1 19.7 274.2 266.5 362.1 625.9

% of unprofitable institutions ...................................... 21.2 38.1 22.4 8.1 20.0 16.1 36.6 26.5 17.1 25.0 17.2

% of institutions with earnings gains ........................... 26.6 21.4 26.2 29.4 40.0 24.7 22.0 28.0 40.0 28.1 24.1

Performance Ratios (annualized, %)

Yield on earning assets ................................................. 5.44 4.90 4.79 4.83 5.82 4.84 5.08 4.93 4.93 3.43 13.18

Cost of funding earning assets ..................................... 2.11 1.81 1.99 2.21 2.09 2.16 2.06 2.67 1.45 1.62 3.49

Net interest margin ....................................................... 3.33 3.08 2.80 2.61 3.73 2.67 3.03 2.26 3.48 1.82 9.69

Noninterest income to earning assets ......................... 0.95 5.52 3.94 0.85 0.45 0.80 1.30 5.53 0.72 0.51 0.65

Noninterest expense to earning assets ........................ 2.59 7.78 5.43 2.55 2.09 2.69 3.52 5.77 1.68 1.74 3.80

Credit loss provision to assets ...................................... 0.74 0.01 0.05 0.08 1.16 0.12 0.06 0.03 0.18 0.20 4.25

Net operating income to assets ................................... 0.64 0.54 0.96 0.52 0.64 0.41 0.55 1.46 1.71 0.30 1.47

Pretax return on assets ................................................. 0.88 0.70 1.25 0.88 0.83 0.74 0.68 1.84 2.36 0.34 1.90

Return on assets ............................................................ 0.67 0.48 1.02 0.60 0.64 0.51 0.55 1.46 1.80 0.28 1.44

Return on equity ........................................................... 7.78 2.52 8.40 5.81 8.98 4.77 4.28 12.23 22.86 4.71 13.70

Net charge-offs to loans and leases ............................. 1.17 0.00 0.07 0.10 2.30 0.08 0.03 0.06 0.41 0.63 4.54

Loan and lease loss provision to net charge-offs ........ 120.74 -10,200.00 102.87 121.56 120.86 207.46 283.83 49.80 101.40 120.47 118.48

Efficiency ratio .............................................................. 60.01 90.27 80.53 73.17 49.20 77.17 81.44 74.06 39.82 74.65 35.61

Condition Ratios (%)

Earning assets to total assets ....................................... 94.36 92.91 93.49 93.40 94.95 93.21 92.38 92.99 96.10 95.13 94.70

Loss allowance to:

Loans and leases ..................................................... 2.55 1.00 0.99 0.93 4.25 0.93 1.02 0.80 1.01 1.49 7.95

Noncurrent loans and leases .................................. 191.74 99.95 153.37 176.40 198.39 169.50 129.16 188.86 258.57 52.82 405.85

Noncurrent assets plus

other real estate owned to assets .......................... 0.72 0.67 0.48 0.39 0.91 0.42 0.49 0.33 0.18 0.77 1.54

Noncurrent RE loans to RE loans .................................. 1.23 1.01 0.61 0.45 2.83 0.48 0.78 0.40 0.35 4.61 0.89

Equity capital ratio ........................................................ 8.69 19.21 12.13 10.41 7.24 10.63 12.83 11.97 7.88 6.12 10.62

Core capital (leverage) ratio ......................................... 10.81 19.88 13.29 11.26 10.13 11.20 13.85 12.63 9.66 10.19 11.21

Common equity tier 1 capital ratio* ............................ 19.13 33.72 19.46 14.82 21.06 14.40 19.81 16.86 23.35 28.57 13.72

Tier 1 risk-based capital ratio* ..................................... 19.21 33.72 19.46 14.90 21.13 14.40 19.81 17.18 23.48 28.73 13.72

Total risk-based capital ratio* ...................................... 20.26 34.69 20.55 15.85 22.23 15.35 20.72 18.23 24.15 29.38 15.54

Gross real estate assets to gross assets ....................... 61.68 66.37 71.45 71.18 55.71 73.22 70.63 72.04 69.39 65.52 20.61

Gross 1-4 family mortgages to gross assets ................. 20.26 46.40 39.19 31.95 11.58 31.04 36.80 47.64 27.72 11.46 8.05

Net loans and leases to deposits .................................. 64.21 86.67 86.14 89.97 49.27 92.59 73.54 103.14 49.40 32.38 90.88

Structural Changes (YTD)

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

Thrifts absorbed by mergers .................................. 3 2 1 0 0 0 2 1 0 0 0

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

PRIOR FIRST QUARTERS

(The way it was...)

Number of institutions ........................................ 2023 575 93 332 133 17 259 46 137 37 66 30

 ................................ 2021 621 115 351 138 17 280 52 146 40 69 34

 ................................ 2019 681 144 401 120 16 314 53 161 45 72 36

Total assets (in billions) ...................................... 2023 $1,285.0 $5.2 $131.8 $319.2 $828.9 $367.2 $52.0 $72.1 $57.5 $577.9 $158.3

 ................................ 2021 1,435.3 6.8 138.1 352.7 937.7 428.3 142.9 95.8 39.8 577.9 150.6

 ................................ 2019 1,183.4 8.5 150.9 322.9 701.2 415.5 106.9 99.7 43.7 146.0 371.7

Return on assets (%) ........................................... 2023 0.83 0.81 1.18 0.84 0.77 0.80 0.68 1.73 1.49 0.43 1.79

 ................................ 2021 1.14 0.78 1.48 1.23 1.05 1.03 0.76 2.33 1.28 0.65 2.80

 ................................ 2019 1.36 1.09 1.27 1.01 1.55 0.87 0.88 1.44 1.17 1.04 2.16

Net charge-offs to loans & leases (%) ................. 2023 0.73 0.02 0.04 0.11 1.33 0.07 0.00 0.08 0.31 0.32 3.18

 ................................ 2021 0.49 0.01 0.02 0.11 0.87 0.03 0.12 -0.10 0.12 0.47 2.50

 ................................ 2019 0.88 0.10 0.07 0.06 1.76 0.04 -0.04 0.20 0.20 0.82 3.96

Noncurrent assets plus

OREO to assets (%) ........................................ 2023 0.70 0.58 0.38 0.38 0.87 0.37 2.18 0.32 0.15 0.75 1.16

 ................................ 2021 1.37 0.72 0.55 0.53 1.81 0.53 2.09 0.97 0.22 2.06 0.93

 ................................ 2019 0.94 0.97 0.64 0.50 1.21 0.44 2.97 0.84 0.59 2.02 0.56

Equity capital ratio (%) ....................................... 2023 7.53 18.54 12.12 10.38 5.63 10.60 10.43 12.02 7.47 3.87 10.73

 ................................ 2021 9.61 16.87 13.02 11.35 8.40 11.54 9.99 11.68 11.24 7.07 11.78

 ................................ 2019 10.87 19.24 13.53 12.29 9.54 12.15 10.38 12.37 12.41 10.33 9.22

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

TABLE III-B. First Quarter 2024, 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

First Quarter 2024

FULL YEAR

(The way it is...)

Number of institutions reporting ................................... 560 88 324 133 15 255 43 132 36 65 29

Total assets (in billions) .................................................. $1,215.4 $5.1 $131.8 $331.1 $747.5 $366.3 $14.4 $75.1 $58.6 $529.2 $171.8

Total deposits (in billions) .............................................. 981.7 3.8 104.5 257.7 615.7 288.5 11.7 53.6 49.6 441.5 136.7

Net income (in millions) .................................................. 8,818.9 25.8 1,414.1 2,139.1 5,239.9 2,422.0 90.3 1,137.6 772.4 1,659.6 2,736.9

% of unprofitable institutions ........................................ 15.7 31.8 16.1 5.3 6.7 11.0 23.3 22.0 13.9 18.5 13.8

% of institutions with earnings gains ............................ 34.8 42.1 35.2 28.6 40.0 33.3 37.2 39.4 36.1 32.3 27.6

Performance Ratios (%)

Yield on earning assets ................................................... 5.03 4.51 4.51 4.60 5.30 4.56 4.76 4.65 4.66 3.28 12.45

Cost of funding earning assets ....................................... 1.74 1.31 1.46 1.76 1.78 1.63 1.56 2.18 1.27 1.47 2.92

Net interest margin ......................................................... 3.29 3.20 3.04 2.85 3.52 2.93 3.20 2.48 3.39 1.82 9.53

Noninterest income to earning assets .......................... 0.90 5.07 3.75 0.78 0.45 0.78 1.21 5.30 0.67 0.49 0.66

Noninterest expense to earning assets ......................... 2.55 7.30 5.20 2.56 2.08 2.70 3.47 5.56 1.67 1.74 3.96

Credit loss provision to assets ........................................ 0.58 0.09 0.06 0.09 0.88 0.08 0.00 0.08 0.16 0.13 3.62

Net operating income to assets ..................................... 0.76 0.60 1.12 0.72 0.71 0.67 0.68 1.56 1.64 0.33 1.73

Pretax return on assets ................................................... 0.93 0.72 1.40 0.83 0.90 0.87 0.81 1.97 1.77 0.37 2.24

Return on assets .............................................................. 0.72 0.51 1.09 0.66 0.69 0.67 0.64 1.55 1.34 0.30 1.69

Return on equity .............................................................. 9.32 2.76 9.16 6.51 11.53 6.49 5.03 13.15 18.43 6.51 15.92

Net charge-offs to loans and leases ............................... 0.89 0.08 0.06 0.10 1.74 0.08 0.02 0.06 0.33 0.48 3.51

Loan and lease loss provision to net charge-offs ......... 128.39 164.76 160.13 126.07 128.17 149.72 110.55 176.01 113.63 112.41 129.73

Efficiency ratio ................................................................. 60.41 88.06 76.30 70.27 51.78 72.34 78.42 71.20 40.87 75.33 37.66

Condition Ratios (%)

Earning assets to total assets ......................................... 94.74 92.83 93.36 93.34 95.61 93.03 92.40 92.98 96.04 96.15 94.56

Loss allowance to:

Loans and leases ....................................................... 2.48 0.98 1.00 0.93 4.11 0.91 1.03 0.81 1.01 1.45 7.71

Noncurrent loans and leases ................................... 201.34 101.00 165.42 192.98 206.61 190.65 148.01 212.65 249.82 55.96 415.21

Noncurrent assets plus

other real estate owned to assets ............................ 0.66 0.64 0.46 0.36 0.83 0.37 0.43 0.30 0.19 0.70 1.49

Noncurrent RE loans to RE loans ................................... 1.16 0.99 0.57 0.42 2.66 0.45 0.71 0.40 0.37 4.22 0.80

Equity capital ratio .......................................................... 8.48 18.64 12.13 10.40 6.93 10.66 12.87 11.83 7.89 5.81 10.45

Core capital (leverage) ratio ........................................... 10.71 19.42 13.23 11.17 10.02 11.16 13.98 12.34 9.65 9.96 11.57

Common equity tier 1 capital ratio* .............................. 18.99 33.47 19.18 14.79 20.88 14.35 20.09 16.79 21.08 27.79 13.81

Tier 1 risk-based capital ratio* ....................................... 19.06 33.47 19.18 14.87 20.96 14.35 20.09 17.11 21.18 27.95 13.81

Total risk-based capital ratio* ....................................... 20.09 34.47 20.27 15.80 22.03 15.28 21.04 18.15 21.78 28.58 15.62

Gross real estate assets to gross assets ........................ 61.65 66.64 71.92 70.89 55.77 73.54 71.21 72.31 69.51 64.67 21.07

Gross 1-4 family mortgages to gross assets .................. 20.08 46.78 39.24 31.81 11.40 31.29 36.75 47.87 28.21 11.06 8.20

Net loans and leases to deposits ................................... 63.63 85.27 87.02 90.17 48.41 93.12 73.34 103.54 49.91 31.82 92.64

Structural Changes

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

Thrifts absorbed by mergers .................................... 7 4 2 1 0 1 2 3 0 1 0

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

PRIOR FULL YEARS

(The way it was...)

Number of institutions .......................................... 2022 579 95 332 136 16 263 46 137 37 66 30

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

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

Total assets (in billions) ........................................ 2022 $1,280.4 $5.2 $130.1 $331.5 $813.7 $370.0 $54.0 $71.0 $55.3 $576.3 $153.6

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

Return on assets (%) ............................................. 2022 0.99 0.87 1.32 0.89 0.98 0.76 -0.48 2.19 1.17 0.76 2.46

 ................................ 2020 0.85 0.52 1.25 0.95 0.73 0.77 -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

Net charge-offs to loans & leases (%) ................... 2022 0.48 0.04 0.04 0.07 0.89 0.06 -0.01 -0.01 0.20 0.23 2.14

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

Noncurrent assets plus

OREO to assets (%) .......................................... 2022 0.67 0.59 0.38 0.36 0.84 0.37 2.28 0.32 0.17 0.68 1.10

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

Equity capital ratio (%) .......................................... 2022 7.25 19.63 11.92 10.26 5.20 10.50 9.91 11.92 7.08 3.44 10.70

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

San

Francisco

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

TABLE IV-B. Full Year 2023, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

Greater

Than

$10 Billion New York Atlanta Chicago

Kansas

City Dallas
Quarterly Banking Profile

First Quarter 2024 All FDIC-Insured Savings Institutions

MARCH 31, 2024

Percent of Loans 30-89 Days Past Due

All loans secured by real estate .................................... 0.81 1.55 0.46 0.22 1.93 0.25 0.69 0.29 0.37 3.22 0.44

Construction, development, and land ................... 0.42 0.70 0.77 0.19 0.69 0.25 0.14 0.27 0.29 1.08 0.82

Nonfarm nonresidential ......................................... 0.23 1.60 0.32 0.14 0.32 0.19 0.27 0.27 0.15 0.50 0.28

Multifamily residential real estate .......................... 0.10 0.00 0.20 0.03 0.24 0.08 0.09 0.03 0.29 0.57 0.21

Home equity loans .................................................. 0.46 0.25 0.73 0.44 0.34 0.54 0.56 0.29 0.55 0.65 0.21

Other 1-4 Family residential ................................... 1.28 1.76 0.49 0.30 2.93 0.33 0.95 0.33 0.42 4.03 0.53

Commercial and industrial loans ................................. 0.49 0.56 0.74 0.40 0.52 0.34 0.26 0.68 0.46 0.50 1.21

Loans to individuals ...................................................... 1.62 1.22 1.26 0.89 1.67 1.00 2.19 0.63 1.03 0.45 2.33

Credit card loans ..................................................... 2.13 0.00 0.39 2.37 2.12 1.81 0.62 1.35 4.23 0.68 2.39

Other loans to individuals ....................................... 0.65 1.22 1.27 0.69 0.60 0.98 2.22 0.39 0.47 0.35 1.70

Total loans and leases .................................................. 1.00 1.51 0.50 0.31 1.66 0.28 0.69 0.53 0.43 1.94 1.79

Percent of Loans Noncurrent*

All real estate loans ....................................................... 1.23 1.01 0.61 0.45 2.83 0.48 0.78 0.40 0.35 4.61 0.89

Construction, development, and land ................... 0.87 0.71 0.78 0.39 2.16 0.78 0.26 0.11 0.21 1.04 2.04

Nonfarm nonresidential ......................................... 0.51 1.02 0.71 0.50 0.40 0.53 0.37 0.45 0.38 0.52 0.49

Multifamily residential real estate .......................... 0.36 0.33 0.20 0.25 0.70 0.37 0.13 0.03 0.03 0.01 0.82

Home equity loans .................................................. 0.64 1.95 1.44 0.49 0.39 0.53 0.29 0.34 0.37 0.61 2.56

Other 1-4 Family residential ................................... 1.80 1.07 0.56 0.50 4.17 0.43 1.05 0.48 0.36 5.87 0.70

Commercial and industrial loans ................................. 1.29 0.90 1.44 1.09 1.46 1.34 1.14 0.82 0.43 1.32 1.33

Loans to individuals ...................................................... 1.69 0.97 0.43 0.53 1.78 0.53 1.34 0.30 0.65 0.58 2.43

Credit card loans ..................................................... 2.41 0.00 0.46 1.27 2.42 1.12 0.25 0.48 2.28 1.45 2.60

Other loans to individuals ....................................... 0.29 0.97 0.43 0.43 0.26 0.51 1.36 0.24 0.37 0.18 0.53

Total loans and leases .................................................. 1.33 1.00 0.65 0.53 2.14 0.55 0.79 0.43 0.39 2.82 1.96

Percent of Loans Charged-Off (net, annual)

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

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

Nonfarm nonresidential ......................................... 0.01 0.00 0.02 0.02 -0.01 0.00 0.00 -0.01 0.26 0.00 0.00

Multifamily residential real estate .......................... 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01

Home equity loans .................................................. -0.03 0.00 0.08 -0.03 -0.09 0.00 0.00 -0.06 -0.14 -0.22 0.15

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

Commercial and industrial loans ................................. 0.60 -0.07 0.21 0.34 0.98 0.32 0.56 0.41 0.56 0.10 3.05

Loans to individuals ...................................................... 4.39 0.12 1.72 1.93 4.57 1.48 0.41 1.10 4.33 1.54 6.22

Credit card loans ..................................................... 5.81 0.00 1.93 9.14 5.78 4.86 3.06 2.67 22.78 2.88 6.31

Other loans to individuals ............................................ 1.51 0.12 1.72 0.94 1.60 1.39 0.37 0.55 1.09 0.92 5.05

Total loans and leases .................................................. 1.17 0.00 0.07 0.10 2.30 0.08 0.03 0.06 0.41 0.63 4.54

Loans Outstanding (in billions)

All real estate loans ....................................................... $419.5 $2.9 $81.7 $203.4 $131.5 $237.5 $8.1 $49.0 $21.9 $74.8 $28.2

Construction, development, and land ................... 26.4 0.1 5.0 15.3 6.0 16.9 0.8 1.5 1.1 3.6 2.7

Nonfarm nonresidential .......................................... 95.1 0.3 18.2 50.1 26.5 70.0 1.6 4.4 3.1 10.4 5.6

Multifamily residential real estate .......................... 48.6 0.1 6.0 30.5 12.1 35.0 0.2 6.3 0.7 1.5 5.0

Home equity loans .................................................. 16.2 0.1 3.1 7.2 5.8 8.3 0.4 4.1 0.3 1.7 1.3

Other 1-4 Family residential ................................... 231.1 2.2 48.1 99.7 81.0 107.1 5.0 32.1 16.2 57.0 13.7

Commercial and industrial loans ................................. 39.5 0.2 4.6 17.7 17.1 23.4 0.3 1.9 0.8 8.5 4.7

Loans to individuals ...................................................... 161.1 0.1 2.6 8.1 150.4 7.4 0.2 2.2 2.1 52.0 97.3

Credit card loans ..................................................... 106.6 0.0 0.0 1.0 105.6 0.2 0.0 0.6 0.3 16.2 89.3

Other loans to individuals ....................................... 54.5 0.1 2.6 7.1 44.7 7.2 0.2 1.7 1.8 35.8 8.0

Total loans and leases .................................................. 638.4 3.1 90.0 234.9 310.4 272.4 8.8 56.1 25.1 138.8 137.2

Memo: Other Real Estate Owned (in millions)

All other real estate owned .......................................... $122.1 $1.4 $43.1 $50.5 $27.1 $61.0 $1.5 $7.4 $10.9 $26.1 $15.2

Construction, development, and land ................... 29.8 0.0 10.9 18.7 0.1 16.6 0.9 3.5 1.7 6.9 0.1

Nonfarm nonresidential ......................................... 49.2 0.3 10.9 20.5 17.5 27.9 0.0 2.0 7.7 11.6 0.1

Multifamily residential real estate .......................... 6.7 0.0 0.8 4.7 1.2 6.7 0.0 0.0 0.0 0.0 0.0

1-4 Family residential .............................................. 35.7 1.1 20.5 5.8 8.2 9.8 0.6 1.3 1.5 7.6 15.0

Troubled Real Estate Asset Rates**

(% of total RE assets)

All real estate loans ....................................................... 1.26 1.06 0.66 0.48 2.85 0.50 0.80 0.41 0.40 4.64 0.94

Construction, development, and land ................... 0.98 0.74 1.00 0.51 2.16 0.87 0.38 0.34 0.37 1.23 2.05

Nonfarm nonresidential ......................................... 0.57 0.87 0.75 0.55 0.46 0.57 0.42 0.52 0.63 0.62 0.49

Multifamily residential real estate .......................... 0.37 0.33 0.22 0.27 0.71 0.39 0.13 0.03 0.03 0.01 0.82

1-4 Family residential .............................................. 1.74 1.14 0.65 0.50 3.92 0.44 1.01 0.47 0.37 5.73 0.96

* 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