Statistics At A Glance 

 As of December 31, 2022 

Dollar Amounts in Billions 

Asset Concentration Group 

Other 

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

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

Number of FDIC-Insured 4,706 4,127 579 10 5 1,054 2,501 320 35 300 410 71 

Number of FDIC-Supervised 3,032 2,743 289 5 0 750 1,628 152 24 184 263 26 

Total Assets $ 23,600 22,319 1,281 453 5,746 298 8,139 721 590 70 96 7,487 

Total Loans $ 12,227 11,586 641 386 1,892 188 5,433 247 450 19 52 3,559 

Domestic Deposits $ 17,725 16,644 1,082 339 3,187 258 6,652 631 494 61 84 6,020 

Bank Net Income (QTR) $ 68.410 65.695 2.714 3.460 14.897 0.894 26.092 1.609 1.486 0.480 0.254 19.238 

Percent Profitable (QTR) % 94.3 94.9 90.5 90.0 100.0 93.8 96.4 87.2 82.9 88.0 94.9 91.5 

Average Return on Assets (QTR) % 1.16 1.18 0.85 3.15 1.03 1.21 1.30 0.88 1.02 2.73 1.06 1.02 

Average Return on Equity (QTR) % 12.56 12.60 11.61 29.05 11.30 14.19 13.46 16.39 12.48 27.29 12.98 10.96 

Net Interest Margin (QTR) % 3.37 3.36 3.59 10.68 2.78 3.61 3.67 2.09 3.32 3.11 3.49 3.16 

Equity to Assets % 9.34 9.46 7.27 10.71 9.26 8.66 9.76 5.27 8.15 10.27 8.35 9.38 

Noncurrent Loan Rate - Total Loans1 % 0.73 0.70 1.31 1.24 0.68 0.50 0.69 0.40 0.44 0.68 0.55 0.85

 Real Estate Loans % 0.90 0.86 1.44 0.77 1.10 0.50 0.73 0.43 0.10 0.68 0.55 1.51

 C&I Loans % 0.67 0.66 0.81 0.51 0.74 0.72 0.74 0.37 0.60 0.83 0.79 0.54

 Loans to Individuals % 0.85 0.82 1.17 1.33 0.67 0.34 0.68 0.12 0.85 0.59 0.51 0.83 

Coverage Ratio2 % 217.55 222.63 168.43 520.12 275.64 267.97 176.06 152.38 333.71 236.67 227.23 189.08 

Net Charge-Off Rate - All Loans (QTR) % 0.36 0.35 0.57 2.54 0.40 0.10 0.15 0.02 0.55 0.21 0.07 0.44

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

 C&I Loans (QTR) % 0.25 0.25 0.36 1.47 0.26 0.59 0.22 0.05 0.24 0.39 0.17 0.23

 Loans to Individuals (QTR) % 1.69 1.64 2.38 2.71 1.54 0.52 1.14 0.27 1.33 1.13 0.42 1.74 

FourthQuarter 2021 

Number of FDIC-Insured 4,839 4,232 607 12 5 1,121 2,417 293 33 357 506 95 

Number of FDIC-Supervised 3,122 2,817 305 6 0 801 1,573 139 20 226 319 38 

Total Assets $ 23,720 22,201 1,519 500 5,827 303 7,372 776 353 83 130 8,375 

Total Loans $ 11,247 10,566 681 428 1,846 176 4,539 204 246 24 68 3,716 

Domestic Deposits $ 18,190 16,903 1,286 345 3,310 260 6,214 693 301 71 113 6,882 

Bank Net Income (QTR) $ 63.862 60.078 3.784 5.399 12.586 0.791 20.633 1.644 1.627 0.322 0.276 20.583 

Percent Profitable (QTR) % 91.9 92.3 89.6 100.0 100.0 87.9 95.9 89.8 90.9 80.4 90.1 98.9 

Average Return on Assets (QTR) % 1.09 1.09 1.02 4.42 0.86 1.06 1.14 0.88 1.90 1.57 0.86 1.00 

Average Return on Equity (QTR) % 10.89 10.93 10.32 34.02 9.46 9.67 10.51 10.33 20.63 11.76 7.82 10.15 

Net Interest Margin (QTR) % 2.55 2.54 2.79 10.74 1.90 3.23 2.92 1.70 3.51 2.31 3.04 2.19 

Equity to Assets % 9.94 9.96 9.66 12.56 9.20 10.78 10.71 8.17 9.00 12.96 10.79 9.74 

Noncurrent Loan Rate - Total Loans1 % 0.89 0.81 2.07 0.91 0.82 0.73 0.85 0.65 0.68 0.77 0.64 1.00

 Real Estate Loans % 1.29 1.15 2.82 0.81 1.46 0.72 1.03 0.72 0.32 0.83 0.66 1.90

 C&I Loans % 0.68 0.68 0.87 0.29 1.02 1.00 0.69 0.64 0.96 0.65 0.64 0.53

 Loans to Individuals % 0.64 0.62 0.79 0.98 0.52 0.36 0.43 0.07 0.78 0.42 0.38 0.57 

Coverage Ratio2 % 178.72 192.32 96.20 763.75 209.81 200.81 149.38 102.74 289.43 210.80 210.86 131.60 

Net Charge-Off Rate - All Loans (QTR) % 0.21 0.20 0.33 1.58 0.28 0.08 0.09 0.00 0.34 0.23 0.07 0.17

 Real Estate Loans (QTR) % 0.01 0.01 0.01 -0.03 -0.06 0.05 0.01 0.01 -0.02 0.09 0.03 0.03

 C&I Loans (QTR) % 0.13 0.13 0.12 0.59 0.24 0.28 0.14 -0.48 0.05 0.33 0.22 0.05

 Loans to Individuals (QTR) % 0.96 0.91 1.61 1.71 1.13 0.34 0.59 0.16 0.53 0.37 0.33 0.73 

1

Nonaccruing loans and loans past due 90+ days. 

2

Loss reserve as a percentage of noncurrent loans.