Dollar Amounts in Billions Other

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

Third Quarter 2022 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 4,746 4,157 589 11 5 1,064 2,469 306 41 315 459 76

Number of FDIC-Supervised 3,062 2,765 297 5 0 752 1,611 150 24 192 300 28

Total Assets $ 23,632 22,239 1,393 552 5,827 297 7,559 758 577 71 110 7,881

Total Loans $ 12,001 11,292 709 468 1,870 185 5,013 271 437 19 59 3,678

Domestic Deposits $ 17,892 16,702 1,189 406 3,237 258 6,295 678 480 62 97 6,377

Bank Net Income (QTR) $ 71.688 67.885 3.803 4.632 15.354 1.016 23.419 1.925 1.863 0.377 0.308 22.795

Percent Profitable (QTR) % 96.5 97.2 91.3 90.9 100.0 98.5 97.7 90.2 90.2 87.3 96.1 97.4

Average Return on Assets (QTR) % 1.21 1.22 1.08 3.43 1.05 1.37 1.24 0.98 1.31 2.13 1.12 1.16

Average Return on Equity (QTR) % 13.09 13.07 13.53 28.74 11.72 15.93 12.80 15.94 15.64 21.32 12.95 12.46

Net Interest Margin (QTR) % 3.14 3.13 3.40 11.35 2.46 3.54 3.49 2.13 3.46 2.84 3.47 2.78

Equity to Assets % 9.15 9.25 7.65 11.62 8.97 8.35 9.51 5.80 8.23 9.48 8.42 9.20

Noncurrent Loan Rate - Total Loans1 % 0.72 0.69 1.23 1.16 0.72 0.57 0.66 0.76 0.43 0.61 0.57 0.79

 Real Estate Loans % 0.92 0.87 1.39 0.79 1.15 0.55 0.73 0.81 0.12 0.62 0.58 1.46

 C&I Loans % 0.64 0.63 0.80 0.44 0.88 0.91 0.67 0.53 0.61 0.62 0.76 0.50

 Loans to Individuals % 0.73 0.71 0.97 1.25 0.57 0.33 0.45 0.07 0.81 0.38 0.43 0.63

Coverage Ratio2 % 214.77 220.56 163.13 576.98 246.93 239.10 182.04 82.31 333.26 270.97 217.68 169.87

Net Charge-Off Rate - All Loans (QTR) % 0.26 0.25 0.41 2.13 0.31 0.04 0.10 0.01 0.41 0.05 0.03 0.22

 Real Estate Loans (QTR) % -0.01 -0.01 -0.01 -0.02 -0.05 0.01 0.00 0.00 0.00 -0.04 -0.01 -0.02

 C&I Loans (QTR) % 0.16 0.16 0.37 1.03 0.14 0.13 0.18 0.02 0.42 -0.05 0.10 0.09

 Loans to Individuals (QTR) % 1.26 1.21 1.95 2.28 1.29 0.39 0.76 0.20 0.92 0.52 0.26 0.99

Third Quarter 2021

Number of FDIC-Insured 4,914 4,301 613 11 5 1,135 2,483 287 34 342 521 96

Number of FDIC-Supervised 3,171 2,864 307 6 0 812 1,622 137 20 206 332 36

Total Assets $ 23,252 21,782 1,470 476 5,868 295 7,242 759 332 76 129 8,074

Total Loans $ 10,921 10,246 675 393 1,805 174 4,470 218 236 21 68 3,536

Domestic Deposits $ 17,634 16,401 1,233 329 3,286 251 6,075 669 281 64 111 6,568

Bank Net Income (QTR) $ 69.490 65.465 4.025 6.555 15.111 1.027 22.053 1.614 1.511 0.288 0.367 20.963

Percent Profitable (QTR) % 95.8 96.3 92.7 100.0 100.0 95.9 97.5 90.9 97.1 86.3 95.8 97.9

Average Return on Assets (QTR) % 1.21 1.22 1.11 5.50 1.04 1.40 1.23 0.87 1.84 1.54 1.15 1.05

Average Return on Equity (QTR) % 11.97 12.04 10.91 40.66 11.54 12.60 11.26 9.79 19.40 11.15 10.30 10.55

Net Interest Margin (QTR) % 2.56 2.54 2.80 10.38 1.86 3.44 2.96 1.72 3.49 2.34 3.13 2.21

Equity to Assets % 10.06 10.06 10.09 13.45 9.00 11.14 10.89 8.77 9.41 13.88 11.10 9.95

Noncurrent Loan Rate - Total Loans1 % 0.94 0.85 2.26 0.83 0.83 0.82 0.92 0.71 0.65 0.86 0.71 1.07

 Real Estate Loans % 1.36 1.20 3.09 0.76 1.52 0.80 1.11 0.79 0.32 0.93 0.75 1.97

 C&I Loans % 0.75 0.74 0.94 0.25 0.98 1.08 0.76 0.78 0.83 0.72 0.73 0.63

 Loans to Individuals % 0.60 0.59 0.73 0.89 0.52 0.35 0.40 0.07 0.75 0.58 0.35 0.56

Coverage Ratio2 % 180.13 195.94 89.63 911.15 230.96 180.80 143.87 92.56 312.20 192.43 185.04 134.97

Net Charge-Off Rate - All Loans (QTR) % 0.19 0.19 0.30 1.54 0.29 0.04 0.09 0.00 0.24 0.08 0.01 0.16

 Real Estate Loans (QTR) % 0.00 0.00 0.01 0.03 -0.06 0.02 0.02 -0.01 -0.02 -0.05 0.01 -0.02

 C&I Loans (QTR) % 0.15 0.15 0.20 0.55 0.18 0.20 0.14 0.01 0.07 0.14 -0.15 0.15

 Loans to Individuals (QTR) % 0.92 0.89 1.42 1.66 1.28 0.25 0.51 0.15 0.38 0.48 0.16 0.65

1

Nonaccruing loans and loans past due 90+ days.

2

Loss reserve as a percentage of noncurrent loans.

 Statistics At A Glance

 As of September 30, 2022

Asset Concentration Group