Dollar Amounts in Billions Other

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

Third Quarter 2020 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 5,033 4,401 632 11 5 1,182 2,768 303 36 230 430 68

Number of FDIC-Supervised 3,239 2,927 312 6 0 851 1,796 137 24 133 272 20

Total Assets $ 21,220 19,897 1,322 509 5,288 281 7,505 636 132 40 87 6,742

Total Loans $ 10,911 10,249 661 375 1,720 184 5,106 170 99 11 49 3,197

Domestic Deposits $ 15,670 14,587 1,083 341 2,773 233 6,088 557 111 32 73 5,462

Bank Net Income (QTR) $ 51.187 48.049 3.137 3.806 12.656 0.918 19.661 1.645 0.482 0.262 0.250 11.507

Percent Profitable (QTR) % 95.3 95.8 91.3 100.0 100.0 96.0 96.2 90.1 91.7 87.0 95.6 94.1

Average Return on Assets (QTR) % 0.97 0.97 0.96 3.00 0.96 1.31 1.05 1.06 1.48 2.64 1.16 0.68

Average Return on Equity (QTR) % 9.47 9.46 9.60 26.13 10.62 11.43 9.42 12.18 15.65 15.69 9.53 6.81

Net Interest Margin (QTR) % 2.68 2.65 3.04 9.28 2.05 3.44 3.05 1.89 3.10 2.34 3.21 2.25

Equity to Assets % 10.29 10.31 10.01 11.51 9.11 11.55 11.25 8.63 9.31 17.08 12.22 10.10

Noncurrent Loan Rate - Total Loans1 % 1.17 1.07 2.70 1.14 1.17 1.13 1.01 0.88 0.43 1.12 0.94 1.46

 Real Estate Loans % 1.60 1.41 3.63 0.65 1.92 1.18 1.19 0.96 0.37 1.44 1.04 2.56

 C&I Loans % 1.03 1.04 0.93 0.61 1.43 0.97 0.90 0.47 1.71 0.44 0.75 1.12

 Loans to Individuals % 0.74 0.73 0.92 1.20 0.70 0.45 0.62 0.11 0.33 0.56 0.53 0.64

Coverage Ratio2 % 191.51 208.31 88.23 904.17 270.74 126.81 149.51 79.13 525.00 131.80 128.56 142.82

Net Charge-Off Rate - All Loans (QTR) % 0.46 0.46 0.59 3.63 0.67 0.12 0.23 0.01 0.85 0.12 0.08 0.39

 Real Estate Loans (QTR) % 0.06 0.06 0.01 0.05 0.04 0.08 0.06 -0.01 0.00 0.06 0.03 0.07

 C&I Loans (QTR) % 0.49 0.49 0.21 2.52 0.60 0.26 0.44 0.16 0.79 0.10 0.23 0.44

 Loans to Individuals (QTR) % 1.90 1.82 2.88 3.76 2.52 0.22 0.82 0.17 1.19 0.37 0.39 1.20

Third Quarter 2019

Number of FDIC-Insured 5,258 4,588 670 12 5 1,324 2,756 393 68 217 433 50

Number of FDIC-Supervised 3,386 3,054 332 6 0 941 1,787 195 46 129 266 16

Total Assets $ 18,482 17,308 1,174 522 4,509 285 6,674 386 226 38 76 5,765

Total Loans $ 10,400 9,719 682 429 1,692 196 4,699 226 157 10 44 2,946

Domestic Deposits $ 12,981 12,051 930 347 2,161 235 5,205 300 185 30 64 4,455

Bank Net Income (QTR) $ 57.337 53.089 4.248 4.470 13.871 1.027 18.918 1.237 0.854 0.323 0.233 16.404

Percent Profitable (QTR) % 95.6 96.1 92.8 100.0 100.0 96.1 96.1 92.1 100.0 90.8 95.8 98.0

Average Return on Assets (QTR) % 1.25 1.24 1.46 3.43 1.23 1.45 1.15 1.30 1.53 3.43 1.23 1.15

Average Return on Equity (QTR) % 10.96 10.81 13.14 27.35 11.98 12.20 9.42 11.62 13.93 18.94 9.36 10.20

Net Interest Margin (QTR) % 3.35 3.31 3.89 10.99 2.76 3.88 3.46 2.81 4.27 2.89 3.64 2.92

Equity to Assets % 11.35 11.37 11.07 12.72 10.14 11.94 12.18 11.03 11.05 18.10 13.22 11.16

Noncurrent Loan Rate - Total Loans1 % 0.92 0.87 1.57 1.61 0.87 1.08 0.77 1.89 0.67 1.24 0.95 1.01

 Real Estate Loans % 1.15 1.09 1.71 1.06 1.42 1.03 0.79 2.05 1.33 1.35 1.01 1.74

 C&I Loans % 0.81 0.80 1.01 0.66 0.87 1.40 0.86 0.85 0.22 0.90 0.99 0.68

 Loans to Individuals % 0.97 0.92 1.54 1.71 0.91 0.65 0.77 0.43 0.51 1.25 0.48 0.69

Coverage Ratio2 % 131.01 135.70 93.96 276.58 164.24 129.50 125.66 32.20 158.18 118.15 127.78 100.48

Net Charge-Off Rate - All Loans (QTR) % 0.51 0.48 0.83 3.94 0.71 0.15 0.24 0.03 0.78 0.16 0.12 0.37

 Real Estate Loans (QTR) % 0.00 0.00 -0.01 0.01 0.00 0.06 0.02 -0.02 -0.03 0.10 0.03 -0.08

 C&I Loans (QTR) % 0.41 0.41 0.56 2.26 0.36 0.48 0.45 0.30 0.32 0.11 0.31 0.28

 Loans to Individuals (QTR) % 2.33 2.20 3.76 4.13 2.69 0.51 1.24 1.10 1.08 0.54 0.58 1.80

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, 2020

Asset Concentration Group