All FDIC-Insured Commercial Banks

Quarterly Banking Profile

Second Quarter 2020

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

Return on assets (%).......................................... 0.35 1.37 1.29 1.35 0.96 1.02 1.04

Return on equity (%)............................................. 3.31 11.99 11.33 11.99 8.49 9.12 9.25

Core capital (leverage) ratio (%).............................. 8.72 9.77 9.62 9.66 9.57 9.41 9.51

Noncurrent assets plus

other real estate owned to assets (%).................. 0.56 0.54 0.52 0.58 0.71 0.84 0.95

Net charge-offs to loans (%)................................. 0.55 0.47 0.49 0.46 0.48 0.46 0.43

Asset growth rate (%).......................................... 16.05 4.46 4.56 3.15 3.78 4.93 2.89

Net interest margin (%).......................................... 2.94 3.37 3.32 3.37 3.21 3.09 3.04

Net operating income growth (%)........................... -73.92 4.71 -3.33 47.56 -2.74 3.23 8.02

Number of institutions reporting.............................. 4,430 4,630 4,518 4,715 4,918 5,112 5,338

Percentage of unprofitable institutions (%)............... 4.51 3.13 3.32 2.95 4.72 3.85 4.12

Number of failed institutions................................. 2 1 3 0 6 5 8

* Through June 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending June 30.

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

(dollar figures in millions)

Number of institutions reporting.......................................... 4,430 4,464 4,630 -4.3

Total employees (full-time equivalent)................................. 1,958,663 1,949,069 1,948,707 0.5

CONDITION DATA

 Total assets.................................................................. $19,840,796 $19,018,841 $17,096,682 16.1

 Loans secured by real estate.......................................... 4,669,306 4,644,867 4,500,841 3.7

 Commercial & industrial loans.......................................... 2,628,345 2,498,886 2,170,414 21.1

 Loans to individuals...................................................... 1,574,056 1,635,041 1,606,351 -2.0

 Farm loans.................................................................. 73,877 71,784 77,415 -4.6

 Other loans & leases...................................................... 1,389,136 1,464,828 1,271,700 9.2

 Less: Unearned income................................................ 3,576 2,172 2,205 62.2

 Total loans & leases...................................................... 10,331,143 10,313,234 9,624,516 7.3

 Less: Reserve for losses................................................ 227,661 182,891 114,684 98.5

 Net loans and leases...................................................... 10,103,481 10,130,343 9,509,832 6.2

 Securities..................................................................... 4,034,196 3,791,680 3,401,990 18.6

 Other real estate owned................................................... 4,756 5,283 5,990 -20.6

 Goodwill and other intangibles.......................................... 376,109 380,907 384,862 -2.3

 All other assets............................................................... 5,322,254 4,710,628 3,794,008 40.3

Total liabilities and capital................................................... 19,840,796 19,018,841 17,096,682 16.1

 Noninterest-bearing deposits............................................. 4,276,322 3,655,458 3,113,252 37.4

 Interest-bearing deposits.................................................. 11,630,092 11,134,323 10,002,089 16.3

 Other borrowed funds...................................................... 1,212,421 1,461,231 1,400,231 -13.4

 Subordinated debt......................................................... 69,569 69,431 68,927 0.9

 All other liabilities............................................................ 632,690 707,355 544,044 16.3

 Equity capital.................................................................. 2,019,702 1,991,041 1,968,138 2.6

Loans and leases 30-89 days past due................................. 50,910 65,999 55,174 -7.7

Noncurrent loans and leases............................................. 104,644 90,810 85,797 22.0

Restructured loans and leases............................................. 45,448 44,151 49,805 -8.7

1-4 Family residential mortgages.......................................... 2,289,440 2,295,463 2,262,472 1.2

Mortgage-backed securities................................................ 2,272,537 2,226,979 2,007,431 13.2

Earning assets............................................................... 17,996,708 17,064,790 15,378,825 17.0

Long-term assets (5+ years)................................................ 5,001,639 4,901,001 4,469,876 11.9

Volatile liabilities............................................................... 2,698,390 3,028,702 2,764,228 -2.4

Foreign office deposits...................................................... 1,442,363 1,471,151 1,292,033 11.6

FHLB Advances............................................................... 312,588 531,204 456,380 -31.5

Unused loan commitments................................................ 7,752,535 7,414,072 7,431,145 4.3

Off-balance-sheet derivatives............................................. 181,576,028 199,622,636 207,165,331 -12.4

INCOME DATA 

Total interest income......................................... $296,146 $332,789 -11.0 $139,213 $167,115 -16.7

Total interest expense......................................... 46,971 76,164 -38.3 17,076 38,803 -56.0

 Net interest income.......................................... 249,175 256,624 -2.9 122,137 128,312 -4.8

Provision for credit losses.................................... 109,366 24,139 353.1 59,243 11,478 416.2

Total noninterest income.................................... 131,027 125,827 4.1 67,247 63,151 6.5

Total noninterest expense.................................... 235,629 215,467 9.4 114,985 107,600 6.9

Securities gains (losses).................................... 4,062 1,834 121.5 2,128 1,134 87.6

Applicable income taxes.................................... 6,124 29,304 -79.1 936 14,907 -93.7

Extraordinary gains, net.................................... -105 171 N/M -79 181 N/M

 Net income................................................... 32,954 115,420 -71.5 16,226 58,731 -72.4

Net charge-offs................................................ 27,695 22,454 23.3 14,391 11,203 28.5

Cash dividends.................................................. 44,129 81,293 -45.7 13,139 45,868 -71.4

 Net operating income....................................... 29,709 113,897 -73.9 14,552 57,700 -74.8

N/M - Not meaningful

2nd Quarter

2020

First Half

%Change 2020

2nd Quarter

2020

First Half

2019

2020* 2019* 2019 2018

2019

2nd Quarter

19Q2-20Q2

%Change

19Q2-20Q2

2017 2016 2015

2020

1st Quarter 2nd Quarter

2019

%Change
Quarterly Banking Profile

Second Quarter 2020 All FDIC-Insured Commercial Banks

FIRST HALF San

(The way it is...)

Number of institutions reporting........................... 4,430 890 2,784 625 119 12 320 523 935 1,265 1,050 337

Total assets (in billions).................................... $19,840.8 $53.7 $953.8 $1,689.3 $5,577.2 $11,566.8 $3,465.1 $4,251.4 $4,847.2 $4,088.6 $1,192.9 $1,995.7

Total deposits (in billions)................................. 15,906.4 44.8 796.7 1,377.3 4,516.6 9,171.1 2,803.6 3,509.1 3,693.7 3,289.4 985.1 1,625.6

Net income (in millions).................................... 32,954 253 5,273 7,701 2,367 17,360 5,155 3,889 10,875 4,046 4,600 4,390

% of unprofitable institutions.............................. 4.5 8.5 3.1 2.4 16.8 16.7 9.7 8.0 3.4 2.1 4.0 8.0

% of institutions with earnings gains..................... 51.1 44.9 57.1 41.6 10.9 16.7 32.2 43.6 56.8 60.6 47.8 39.5

Performance ratios (annualized, %)

Yield on earning assets.................................... 3.50 4.33 4.45 4.27 4.10 3.01 3.37 3.59 3.08 3.52 4.07 4.14

Cost of funding earning assets........................... 0.56 0.67 0.73 0.69 0.70 0.45 0.64 0.49 0.43 0.58 0.60 0.76

Net interest margin.......................................... 2.94 3.66 3.72 3.58 3.40 2.56 2.73 3.10 2.65 2.94 3.47 3.37

Noninterest income to earning assets.................. 1.55 1.06 1.06 1.33 1.42 1.69 1.42 1.41 1.96 1.29 1.30 1.77

Noninterest expense to earning assets.................. 2.78 3.41 3.09 2.98 3.09 2.58 2.58 2.85 2.73 2.69 2.96 3.21

Credit loss provision to assets........................... 1.17 0.14 0.27 0.61 1.42 1.20 1.04 1.29 1.11 1.34 0.76 1.13

Net operating income to assets........................... 0.32 0.95 1.15 0.95 0.06 0.28 0.30 0.16 0.46 0.15 0.78 0.42

Pretax return on assets.................................... 0.42 1.11 1.37 1.22 0.20 0.33 0.38 0.25 0.59 0.12 0.96 0.73

Return on assets............................................. 0.35 0.99 1.20 0.99 0.09 0.32 0.31 0.19 0.48 0.21 0.83 0.47

Return on equity............................................. 3.31 7.39 10.48 8.76 0.78 3.15 2.87 1.71 4.78 2.09 6.92 4.27

Net charge-offs to loans and leases..................... 0.55 0.16 0.12 0.25 0.67 0.57 0.60 0.63 0.45 0.60 0.33 0.52

Loan and lease loss provision to net charge-offs...... 393.02 152.05 331.72 342.45 321.05 458.29 335.83 361.44 507.33 429.95 344.00 326.42

Efficiency ratio................................................ 58.77 72.05 64.26 59.86 54.78 60.23 57.53 58.35 58.81 62.15 61.27 54.17

Condition Ratios (%)

Earning assets to total assets.............................. 90.71 92.59 93.76 92.88 91.93 89.53 90.55 90.26 89.82 90.67 91.54 93.64

Loss allowance to:

Loans and leases.......................................... 2.20 1.42 1.29 1.36 2.26 2.49 2.14 2.30 2.39 2.38 1.39 2.00

Noncurrent loans and leases........................... 217.56 106.00 150.91 155.80 246.96 219.19 199.37 286.72 241.00 165.06 170.13 259.84

Noncurrent assets plus

other real estate owned to assets..................... 0.56 0.92 0.70 0.68 0.61 0.51 0.57 0.45 0.51 0.74 0.61 0.51

Equity capital ratio............................................. 10.17 13.07 10.90 10.68 11.00 9.62 10.48 10.67 9.59 9.55 11.39 10.47

Core capital (leverage) ratio.............................. 8.72 12.84 10.65 9.99 9.45 8.02 8.87 8.41 8.30 8.66 9.59 9.77

Common equity tier 1 capital ratio*..................... 13.24 20.36 14.88 13.52 13.05 13.20 13.30 12.63 13.38 13.42 12.62 14.14

Tier 1 risk-based capital ratio*........................... 13.33 20.36 14.91 13.54 13.24 13.24 13.35 12.73 13.44 13.50 12.72 14.28

Total risk-based capital ratio*.............................. 14.88 21.42 16.03 14.67 14.77 14.89 14.94 14.23 14.87 15.39 14.07 15.66

Net loans and leases to deposits........................ 63.52 66.74 78.50 84.65 76.59 52.59 61.20 63.00 58.53 60.51 77.72 77.44

Structural Changes (YTD)

New reporters............................................. 2 2 0 0 0 0 0 2 0 0 0 0

Banks absorbed by mergers........................... 87 20 57 9 1 0 11 9 19 18 25 5

Failed banks................................................ 2 0 2 0 0 0 0 1 0 1 0 0

PRIOR FIRST HALVES

(The way it was...)

Number of institutions................................2019 4,630 1,090 2,884 531 116 9 335 558 982 1,311 1,093 351

 ...............................................2017 5,011 1,291 3,100 515 96 9 369 627 1,031 1,412 1,173 399

 ...............................................2015 5,474 1,583 3,317 480 85 9 408 713 1,144 1,506 1,253 450

Total assets (in billions).............................2019 $17,096.7 $64.5 $939.9 $1,397.6 $5,595.5 $9,099.1 $2,908.8 $3,634.4 $4,118.6 $3,699.5 $1,021.0 $1,714.3

 ................................................2017 15,893.4 76.9 986.0 1,427.1 4,764.7 8,638.6 2,693.6 3,443.4 3,779.3 3,636.1 913.6 1,427.4

 ................................................2015 14,680.0 93.5 1,015.1 1,336.7 4,144.4 8,090.2 2,619.9 3,203.2 3,427.4 3,349.9 821.4 1,258.2

Return on assets (%)................................2019 1.37 0.97 1.29 1.32 1.41 1.36 1.16 1.44 1.35 1.32 1.40 1.67

 ................................................2017 1.08 0.90 1.10 1.23 1.08 1.06 0.96 1.11 1.01 1.07 1.21 1.39

 ................................................2015 1.05 0.91 1.00 1.23 0.99 1.06 0.93 1.05 0.94 1.20 1.06 1.18

Net charge-offs to loans & leases (%) 

 ................................................2019 0.47 0.15 0.11 0.21 0.56 0.52 0.54 0.57 0.40 0.53 0.14 0.44

 ................................................2017 0.47 0.19 0.12 0.24 0.63 0.46 0.67 0.59 0.29 0.50 0.18 0.34

 ................................................2015 0.42 0.14 0.12 0.23 0.48 0.48 0.57 0.51 0.25 0.53 0.11 0.25

Noncurrent assets plus 

OREO to assets (%)..............................2019 0.54 0.98 0.75 0.67 0.53 0.51 0.55 0.51 0.52 0.63 0.62 0.43

 ................................................2017 0.73 1.05 0.92 0.76 0.64 0.75 0.68 0.78 0.66 0.86 0.77 0.49

 ................................................2015 1.02 1.33 1.28 1.06 0.69 1.15 0.73 1.18 0.98 1.31 0.94 0.59

Equity capital ratio (%)..............................2019 11.49 13.69 11.67 12.00 12.36 10.85 12.04 12.32 11.15 10.27 12.37 11.78

 ................................................2017 11.35 12.50 11.11 11.84 12.70 10.55 12.53 12.28 10.33 10.06 11.51 12.78

 ................................................2015 11.22 12.02 11.01 11.75 12.69 10.39 11.70 12.43 10.05 10.29 11.20 12.80

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

$10 Billion

$100 Million

All

Institutions

Than $100

Less

Million

Than $250

Billion

to 

$1 Billion

$1 Billion

New York

to

$250 Billion

to

Atlanta Chicago Dallas Francisco

Kansas

City

TABLE III-A. First Half 2020, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Region

$10 Billion Greater
All FDIC-Insured Commercial Banks

Quarterly Banking Profile

Second Quarter 2020

SECOND QUARTER San

(The way it is...)

Number of institutions reporting........................... 4,430 890 2,784 625 119 12 320 523 935 1,265 1,050 337

Total assets (in billions).................................... $19,840.8 $53.7 $953.8 $1,689.3 $5,577.2 $11,566.8 $3,465.1 $4,251.4 $4,847.2 $4,088.6 $1,192.9 $1,995.7

Total deposits (in billions)................................. 15,906.4 44.8 796.7 1,377.3 4,516.6 9,171.1 2,803.6 3,509.1 3,693.7 3,289.4 985.1 1,625.6

Net income (in millions).................................... 16,225.7 135.6 2,924.2 4,396.7 5,058.6 3,710.5 451.8 3,241.7 5,747.0 -707.1 2,702.7 4,789.7

% of unprofitable institutions.............................. 4.8 8.8 3.3 3.2 15.1 33.3 10.3 7.5 3.6 2.5 4.6 8.0

% of institutions with earnings gains..................... 52.7 47.6 57.7 46.1 13.4 8.3 35.6 42.8 56.3 62.8 49.0 47.8

Performance Ratios (annualized, %)

Yield on earning assets.................................... 3.18 4.29 4.40 4.09 3.77 2.65 3.01 3.25 2.77 3.19 3.91 3.83

Cost of funding earning assets........................... 0.39 0.62 0.65 0.57 0.54 0.27 0.45 0.35 0.26 0.38 0.47 0.63

Net interest margin.......................................... 2.79 3.67 3.75 3.52 3.23 2.38 2.56 2.90 2.51 2.80 3.44 3.20

Noninterest income to earning assets.................. 1.54 1.10 1.14 1.40 1.39 1.66 1.33 1.39 2.11 1.16 1.41 1.70

Noninterest expense to earning assets.................. 2.63 3.37 3.03 2.89 2.72 2.50 2.64 2.58 2.60 2.62 2.89 2.63

Credit loss provision to assets........................... 1.22 0.17 0.33 0.60 1.28 1.35 1.06 1.24 1.21 1.63 0.73 0.91

Net operating income to assets........................... 0.30 1.00 1.24 1.03 0.35 0.10 0.04 0.27 0.47 -0.13 0.91 0.93

Pretax return on assets.................................... 0.35 1.17 1.48 1.36 0.49 0.05 0.07 0.35 0.60 -0.35 1.10 1.28

Return on assets............................................. 0.33 1.05 1.29 1.10 0.37 0.13 0.05 0.31 0.49 -0.07 0.95 0.99

Return on equity............................................. 3.24 7.87 11.49 9.91 3.32 1.34 0.50 2.87 5.02 -0.73 8.06 9.31

Net charge-offs to loans and leases..................... 0.56 0.19 0.13 0.26 0.67 0.60 0.62 0.62 0.46 0.64 0.42 0.48

Loan and lease loss provision to net charge-offs...... 410.37 163.37 372.26 330.86 296.38 507.46 339.76 359.53 558.24 497.95 263.42 290.29

Efficiency ratio................................................ 58.88 70.44 61.63 57.74 54.08 61.45 58.99 59.47 55.83 65.70 59.00 53.21

Structural Changes (QTR)

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

Banks absorbed by mergers........................... 36 9 20 6 1 0 6 3 7 10 8 2

Failed banks................................................ 1 0 1 0 0 0 0 1 0 0 0 0

PRIOR SECOND QUARTERS

(The way it was...)

Return on assets (%)................................2019 1.38 0.91 1.36 1.34 1.42 1.37 1.20 1.47 1.33 1.34 1.42 1.70

 .................................................2017 1.13 0.91 1.13 1.33 1.13 1.10 0.98 1.22 1.04 1.08 1.28 1.48

 .................................................2015 1.08 0.93 0.97 1.37 0.99 1.10 1.01 1.11 0.94 1.24 1.12 1.13

Net charge-offs to loans & leases (%)

 .................................................2019 0.47 0.17 0.13 0.22 0.55 0.51 0.53 0.55 0.41 0.53 0.15 0.43

 .................................................2017 0.46 0.23 0.13 0.25 0.64 0.44 0.73 0.59 0.24 0.48 0.18 0.33

 .................................................2015 0.41 0.14 0.15 0.23 0.49 0.45 0.58 0.48 0.25 0.51 0.14 0.26

Chicago City Francisco

Kansas

Dallas

TABLE IV-A. Second Quarter 2020, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Region

All

$1 Billion

to to

Billion New York Atlanta

Greater

Than $250

$10 Billion $250 Billion

$100 Million

Institutions

Less

Than $100

Million $1 Billion

to

$10 Billion
Quarterly Banking Profile

Second Quarter 2020 All FDIC-Insured Commercial Banks

June 30, 2020 San

Percent of Loans 30-89 Days Past Due

All loans secured by real estate........................... 0.50 0.88 0.48 0.36 0.43 0.62 0.56 0.48 0.42 0.72 0.40 0.33

Construction and development........................ 0.41 0.79 0.46 0.44 0.41 0.35 0.73 0.35 0.25 0.41 0.35 0.38

Nonfarm nonresidential.................................... 0.29 0.75 0.34 0.27 0.27 0.33 0.34 0.19 0.29 0.41 0.26 0.30

Multifamily residential real estate........................ 0.18 0.66 0.28 0.15 0.19 0.16 0.26 0.13 0.10 0.46 0.10 0.07

Home equity loans.......................................... 0.51 0.39 0.38 0.35 0.49 0.58 0.54 0.44 0.54 0.63 0.40 0.42

Other 1-4 Family residential.............................. 0.74 1.07 0.65 0.56 0.64 0.83 0.85 0.76 0.57 1.01 0.71 0.40

Commercial and industrial loans........................... 0.27 0.80 0.32 0.27 0.25 0.27 0.22 0.21 0.28 0.30 0.26 0.40

Loans to individuals.......................................... 1.03 1.23 1.15 1.01 0.99 1.05 0.93 1.32 0.65 1.03 1.09 1.13

Credit card loans.......................................... 0.98 1.17 1.39 2.20 1.05 0.91 1.09 1.12 0.80 0.97 0.84 0.84

Other loans to individuals................................. 1.06 1.23 1.13 0.76 0.95 1.19 0.82 1.51 0.51 1.12 1.10 1.25

All other loans and leases (including farm)............... 0.30 0.73 0.65 0.37 0.21 0.31 0.11 0.17 0.34 0.51 0.19 0.23

Total loans and leases....................................... 0.49 0.86 0.48 0.38 0.46 0.54 0.48 0.52 0.40 0.63 0.37 0.48

Memo: Nonfarm nonres loans not secured by RE...... 0.27 0.00 0.02 0.22 0.21 0.30 0.07 0.20 0.43 0.06 0.11 0.88

Percent of Loans Noncurrent*

All real estate loans.......................................... 1.26 1.42 0.91 0.88 0.96 1.77 1.37 0.94 1.34 2.09 0.86 0.59

Construction and development........................ 0.55 0.79 0.81 0.55 0.40 0.68 1.21 0.43 0.54 0.33 0.32 0.53

Nonfarm nonresidential.................................... 0.79 1.43 0.85 0.84 0.69 0.86 0.77 0.62 0.94 0.97 0.66 0.83

Multifamily residential real estate........................ 0.18 0.52 0.38 0.18 0.15 0.17 0.22 0.35 0.17 0.12 0.16 0.07

Home equity loans.......................................... 1.93 0.65 0.46 0.60 1.23 2.81 2.14 1.26 2.28 3.00 0.98 0.73

Other 1-4 Family residential.............................. 1.83 1.17 0.89 1.24 1.45 2.29 2.25 1.21 1.76 3.12 1.45 0.47

Commercial and industrial loans........................... 1.01 1.20 0.60 0.96 1.03 1.06 0.92 0.83 1.00 1.30 0.89 1.21

Loans to individuals.......................................... 0.87 0.75 0.73 0.76 0.98 0.81 1.02 0.93 0.61 0.94 0.68 0.88

Credit card loans.......................................... 1.31 0.61 1.95 2.89 1.51 1.14 1.58 1.43 1.00 1.27 0.78 1.22

Other loans to individuals................................. 0.51 0.76 0.65 0.31 0.56 0.48 0.60 0.49 0.24 0.41 0.68 0.74

All other loans and leases (including farm)............... 0.38 1.45 1.17 0.55 0.36 0.34 0.38 0.13 0.42 0.51 0.36 0.47

Total loans and leases....................................... 1.01 1.34 0.86 0.87 0.91 1.13 1.07 0.80 0.99 1.44 0.82 0.77

Memo: Nonfarm nonres loans not secured by RE...... 0.15 0.51 0.18 0.26 0.24 0.11 0.14 0.26 0.08 0.08 0.26 0.43

Percent of Loans Charged-Off (net, YTD)

All real estate loans.......................................... 0.02 0.05 0.04 0.04 0.03 0.01 0.04 0.04 0.00 0.02 0.04 0.00

Construction and development........................ 0.01 -0.01 0.04 0.04 0.00 -0.03 -0.01 0.02 0.02 -0.07 0.03 0.07

Nonfarm nonresidential.................................... 0.06 0.08 0.05 0.06 0.07 0.07 0.08 0.07 0.09 0.06 0.06 0.01

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

Home equity loans.......................................... -0.01 0.15 0.03 0.04 0.02 -0.05 0.01 -0.03 0.03 -0.07 -0.01 -0.03

Other 1-4 Family residential.............................. -0.01 0.03 0.02 0.02 0.00 -0.02 0.02 0.01 -0.06 0.00 0.02 -0.01

Commercial and industrial loans........................... 0.57 0.47 0.25 0.37 0.77 0.49 0.41 0.52 0.55 0.49 1.16 0.69

Loans to individuals.......................................... 2.34 0.42 1.07 2.27 2.53 2.26 2.63 2.40 1.95 2.90 0.98 1.87

Credit card loans.......................................... 3.91 4.22 5.62 8.35 4.32 3.54 4.29 3.98 3.40 4.03 2.95 3.82

Other loans to individuals................................. 0.90 0.39 0.76 0.88 0.99 0.84 1.28 0.85 0.47 0.97 0.89 0.97

All other loans and leases (including farm)............... 0.16 0.21 0.16 0.36 0.10 0.17 0.22 0.18 0.11 0.19 0.13 0.07

Total loans and leases....................................... 0.55 0.16 0.12 0.25 0.67 0.57 0.60 0.63 0.45 0.60 0.33 0.52

Memo: Nonfarm nonres loans not secured by RE...... 0.02 0.03 -0.02 0.04 0.05 0.00 0.03 0.00 0.01 0.00 0.03 0.11

Loans Outstanding (in billions)

All real estate loans.......................................... $4,669.3 $18.4 $434.4 $760.7 $1,637.8 $1,818.1 $809.4 $935.1 $935.6 $886.1 $480.4 $622.6

Construction and development........................ 356.8 1.1 42.7 84.7 147.1 81.2 59.3 63.2 60.4 52.6 79.7 41.7

Nonfarm nonresidential.................................... 1,450.6 4.3 174.7 348.2 577.7 345.6 286.0 300.5 223.2 205.5 210.8 224.5

Multifamily residential real estate........................ 404.9 0.4 22.5 79.6 163.6 138.9 107.3 45.4 115.6 41.6 23.0 72.1

Home equity loans.......................................... 304.6 0.3 13.5 30.2 106.5 154.1 59.4 76.4 75.0 53.5 16.6 23.8

Other 1-4 Family residential.............................. 1,984.9 7.6 132.1 188.7 627.0 1,029.4 293.0 435.8 437.6 436.5 131.8 250.1

Commercial and industrial loans........................... 2,628.3 5.1 131.6 292.5 913.1 1,286.1 423.8 634.0 598.1 475.4 204.1 292.9

Loans to individuals.......................................... 1,574.1 2.0 24.1 62.2 613.2 872.5 291.1 404.6 319.5 295.7 25.0 238.2

Credit card loans.......................................... 722.9 0.0 1.5 10.8 270.5 440.1 125.2 191.2 152.7 182.0 1.0 70.8

Other loans to individuals................................. 851.2 1.9 22.7 51.5 342.7 432.3 165.9 213.4 166.8 113.7 24.0 167.3

All other loans and leases (including farm)............... 1,463.0 4.9 44.1 67.6 376.3 970.1 229.9 289.5 362.1 382.6 67.5 131.5

Total loans and leases (plus unearned income)......... 10,334.7 30.4 634.2 1,183.0 3,540.4 4,946.8 1,754.2 2,263.3 2,215.3 2,039.8 777.0 1,285.1

Memo: Nonfarm nonres loans not secured by RE...... 154.6 0.1 1.7 5.4 45.6 101.8 25.6 35.1 54.3 26.4 5.0 8.2

Memo: Other Real Estate Owned (in millions)

All other real estate owned................................. $4,756.0 $86.3 $1,210.2 $1,109.9 $1,331.6 $1,018.0 $782.2 $1,044.9 $1,009.1 $741.7 $937.4 $240.8

Construction and development........................ 1,133.8 12.3 467.3 359.2 231.1 63.9 126.6 333.9 137.1 163.4 298.6 74.2

Nonfarm nonresidential.................................... 1,742.1 31.7 406.7 502.5 571.5 229.7 234.9 336.5 409.1 261.7 414.5 85.4

Multifamily residential real estate........................ 73.0 5.0 37.6 19.0 10.0 1.5 5.5 20.7 10.0 12.4 14.3 10.0

1-4 Family residential.................................... 1,604.3 28.6 207.8 171.5 504.6 691.8 412.3 340.9 409.8 227.4 157.7 56.2

Farmland...................................................... 171.8 8.7 90.8 57.8 14.4 0.1 2.9 12.8 18.0 70.8 52.3 15.0

Other real estate owned in foreign offices............ 31.0 0.0 0.0 0.0 0.0 31.0 0.0 0.0 25.0 6.0 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.

$10 Billion

to

TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks

Greater

Asset Size Distribution Geographic Region

Institutions

All

New York

Less $100 Million $1 Billion

to

Francisco

Than $100

Million $1 Billion

to

$10 Billion $250 Billion

Than $250

Billion

Kansas

Atlanta Chicago City Dallas
All FDIC-Insured Savings Institutions

Quarterly Banking Profile

Second Quarter 2020

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

Return on assets (%).......................................... 0.71 1.34 1.35 1.27 1.10 1.26 1.12

Return on equity (%)............................................. 6.88 12.28 12.32 11.73 10.14 11.44 9.93

Core capital (leverage) ratio (%).............................. 9.45 10.42 10.27 10.29 10.34 10.49 10.70

Noncurrent assets plus

other real estate owned to assets (%).................. 1.07 0.90 1.02 0.91 0.99 1.10 1.24

Net charge-offs to loans (%)................................. 0.79 0.92 0.91 0.81 0.77 0.62 0.59

Asset growth rate (%).......................................... 10.95 0.29 -5.02 1.45 3.96 7.21 -0.43

Net interest margin............................................. 3.33 3.88 3.87 3.85 3.82 3.68 3.51

Net operating income growth (%)........................... -46.15 8.11 -0.14 19.72 -9.27 20.32 -3.63

Number of institutions reporting.............................. 636 673 659 691 752 801 844

Percentage of unprofitable institutions (%)............... 11.32 8.02 6.68 6.80 11.44 8.49 9.24

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

* Through June 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending June 30.

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

(dollar figures in millions)

Number of institutions reporting.......................................... 636 652 673 -5.5

Total employees (full-time equivalent)................................. 119,177 120,287 120,491 -1.1

CONDITION DATA

 Total assets.................................................................. $1,297,223 $1,234,612 $1,169,201 10.9

 Loans secured by real estate.......................................... 441,358 439,057 463,231 -4.7

1-4 Family Residential................................................ 251,431 249,695 256,493 -2.0

Multifamily residential property.................................... 69,119 68,521 77,608 -10.9

Nonfarm nonresidential............................................. 97,011 97,206 106,195 -8.6

Construction, development, and land........................... 23,798 23,635 22,936 3.8

 Commercial & industrial loans.......................................... 60,794 43,706 45,519 33.6

 Loans to individuals...................................................... 130,136 136,291 141,499 -8.0

 Other loans & leases...................................................... 31,805 28,938 25,219 26.1

 Less: Unearned income & contra accounts........................ 224 127 142 57.9

 Total loans & leases...................................................... 663,869 647,866 675,326 -1.7

 Less: Reserve for losses................................................ 15,126 13,919 10,219 48.0

 Net loans & leases......................................................... 648,743 633,947 665,107 -2.5

 Securities..................................................................... 481,538 416,833 377,186 27.7

 Other real estate owned................................................... 266 305 376 -29.3

 Goodwill and other intangibles.......................................... 10,457 10,881 12,294 -14.9

 All other assets............................................................... 156,219 172,647 114,237 36.7

Total liabilities and capital................................................... 1,297,223 1,234,612 1,169,201 10.9

 Deposits........................................................................ 1,054,195 987,257 924,330 14.0

 Other borrowed funds...................................................... 88,857 99,015 96,678 -8.1

 Subordinated debt......................................................... 26 28 19 41.1

 All other liabilities............................................................ 24,342 21,762 18,624 30.7

 Equity capital.................................................................. 129,803 126,551 129,551 0.2

Loans and leases 30-89 days past due................................. 5,101 6,328 5,566 -8.4

Noncurrent loans and leases............................................. 13,644 11,583 10,089 35.2

Restructured loans and leases............................................. 2,839 2,676 3,075 -7.7

Mortgage-backed securities................................................ 379,279 319,474 275,246 37.8

Earning assets............................................................... 1,233,946 1,171,225 1,106,632 11.5

FHLB Advances............................................................... 66,026 81,473 80,905 -18.4

Unused loan commitments................................................ 614,380 619,192 617,907 -0.6

INCOME DATA 

Total interest income......................................... $23,196 $26,896 -13.8 $10,989 $13,532 -18.8

Total interest expense......................................... 3,945 5,489 -28.1 1,673 2,832 -40.9

 Net interest income.......................................... 19,252 21,406 -10.1 9,315 10,700 -12.9

Provision for credit losses.................................... 5,225 2,578 102.6 2,675 1,363 96.2

Total noninterest income.................................... 6,615 5,785 14.3 3,550 3,077 15.3

Total noninterest expense.................................... 15,195 14,671 3.6 7,295 7,495 -2.7

Securities gains (losses).................................... 194 160 21.6 373 -14 N/M

Applicable income taxes.................................... 1,315 2,303 -42.9 710 1,113 -36.2

Extraordinary gains, net.................................... 1 -2 N/M 0 -4 100.0

 Net income................................................... 4,325 7,794 -44.5 2,558 3,786 -32.4

Net charge-offs................................................ 2,549 3,058 -16.7 1,222 1,577 -22.5

Cash dividends.................................................. 2,424 5,943 -59.2 890 2,777 -68.0

 Net operating income....................................... 4,130 7,670 -46.2 2,220 3,801 -41.6

N/M - Not Meaningful

2017 2016 2015

2020

1st Quarter 2nd Quarter

2019

%Change

2020* 2019* 2019 2018

2019

2nd Quarter

19Q2-20Q2

%Change

2020 19Q2-20Q2

2nd Quarter

2020

First Half

2019

2nd Quarter

2020

First Half

%Change
Quarterly Banking Profile

Second Quarter 2020 All FDIC-Insured Savings Institutions

FIRST HALF San

(The way it is...)

Number of institutions reporting........................... 636 120 369 130 17 287 53 150 41 71 34

Total assets (in billions).................................... $1,297.2 $6.9 $142.3 $334.8 $813.1 $404.9 $111.6 $109.2 $35.3 $491.3 $144.9

Total deposits (in billions)................................. 1,054.2 5.2 113.3 261.9 673.8 310.4 88.9 77.7 27.7 431.9 117.6

Net income (in millions).................................... 4,325.0 16.9 766.7 1,080.4 2,461.0 1,021.6 -166.0 773.2 175.8 1,775.7 744.6

% of unprofitable institutions.............................. 11.3 24.2 8.1 9.2 5.9 11.8 15.1 15.3 2.4 5.6 5.9

% of institutions with earnings gains..................... 39.0 36.7 41.5 35.4 29.4 31.4 32.1 52.0 56.1 39.4 35.3

Performance ratios (annualized, %)

Yield on earning assets.................................... 4.01 4.10 4.01 3.83 4.08 3.81 3.09 3.14 3.54 2.77 9.89

Cost of funding earning assets........................... 0.68 0.98 0.86 0.83 0.59 0.91 0.77 0.83 0.77 0.23 1.33

Net interest margin.......................................... 3.33 3.13 3.15 3.00 3.50 2.90 2.32 2.31 2.77 2.54 8.56

Noninterest income to earning assets.................. 1.14 4.31 3.04 1.11 0.81 0.83 0.66 4.51 1.33 0.74 1.15

Noninterest expense to earning assets.................. 2.63 6.70 4.39 2.75 2.24 2.55 3.08 4.45 2.36 1.83 3.79

Credit loss provision to assets........................... 0.86 0.07 0.20 0.36 1.19 0.36 0.19 0.39 0.34 0.50 4.31

Net operating income to assets........................... 0.68 0.49 1.16 0.72 0.58 0.59 -0.41 1.46 1.01 0.70 1.03

Pretax return on assets.................................... 0.93 0.63 1.43 0.87 0.86 0.67 -0.15 1.85 1.35 1.01 1.39

Return on assets............................................. 0.71 0.51 1.14 0.69 0.65 0.53 -0.31 1.48 1.04 0.80 1.05

Return on equity............................................. 6.88 2.80 8.32 5.72 7.22 4.36 -3.11 12.68 9.13 9.89 9.21

Net charge-offs to loans and leases..................... 0.79 0.03 0.08 0.08 1.49 0.06 0.03 0.10 0.18 0.69 3.89

Loan and lease loss provision to net charge-offs...... 205.01 428.39 354.39 641.42 186.85 865.18 1,539.16 505.13 317.07 282.76 152.34

Efficiency ratio................................................ 55.90 90.01 70.95 66.50 47.59 67.90 66.70 65.03 57.18 54.88 37.77

Condition Ratios (%)

Earning assets to total assets.............................. 95.12 92.65 93.68 93.50 96.06 92.85 94.60 93.69 95.37 97.24 95.72

Loss allowance to:

Loans and leases.......................................... 2.28 0.95 0.97 0.97 3.62 0.93 0.47 0.77 0.93 1.59 9.37

Noncurrent loans and leases........................... 110.86 92.31 123.53 123.34 107.95 152.15 6.40 66.58 205.02 31.49 635.55

Noncurrent assets plus

other real estate owned to assets..................... 1.07 0.82 0.62 0.57 1.36 0.48 3.09 0.88 0.31 1.21 1.04

Noncurrent RE loans to RE loans........................ 2.59 1.10 0.84 0.79 5.53 0.63 10.48 1.45 0.47 9.32 0.71

Equity capital ratio............................................. 10.00 17.65 13.18 11.54 8.75 11.76 9.62 11.20 11.54 8.04 10.79

Core capital (leverage) ratio.............................. 9.45 17.45 13.23 11.43 7.89 10.98 9.20 11.17 11.28 7.02 11.66

Common equity tier 1 capital ratio*..................... 16.58 31.51 20.13 16.43 16.03 14.86 21.31 17.23 15.87 17.23 16.97

Tier 1 risk-based capital ratio*........................... 16.63 31.52 20.14 16.43 16.10 14.86 21.31 17.23 15.87 17.38 16.98

Total risk-based capital ratio*.............................. 17.46 32.47 21.14 17.42 16.84 15.79 21.94 18.01 16.53 17.99 18.19

Gross real estate assets to gross assets............... 62.54 65.73 67.53 66.07 60.21 68.88 71.01 60.65 71.41 66.01 27.89

Gross 1-4 family mortgages to gross assets......... 19.16 46.54 37.60 30.68 11.01 26.86 21.75 43.24 40.10 8.46 9.15

Net loans and leases to deposits........................ 61.54 83.85 86.74 88.10 46.81 95.84 51.43 101.64 73.57 26.59 77.65

Structural Changes (YTD)

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

Thrifts absorbed by mergers........................... 17 3 13 1 0 10 0 4 1 0 2

Failed Thrifts................................................ 0 0 0 0 0 0 0 0 0 0 0

PRIOR FIRST HALVES

(The way it was...)

Number of institutions...............................2019 673 140 397 120 16 305 53 161 46 72 36

 ...............................................2017 776 180 464 116 16 340 66 201 52 80 37

 ...............................................2015 874 216 530 111 17 379 75 227 65 85 43

Total assets (in billions).............................2019 $1,169.2 $8.2 $150.2 $318.5 $692.3 $408.1 $100.8 $102.2 $46.3 $148.1 $363.7

 ................................................2017 1,176.1 10.1 173.0 325.1 667.8 443.6 97.0 111.1 56.3 131.5 336.5

 ................................................2015 1,073.7 12.2 188.1 280.0 593.4 443.1 88.8 109.6 56.0 108.9 267.2

Return on assets (%)................................2019 1.34 1.18 1.29 1.00 1.50 0.88 0.71 1.53 1.18 1.09 2.07

 ................................................2017 1.13 1.16 1.03 0.95 1.25 0.76 0.68 1.17 1.11 1.22 1.70

 ................................................2015 1.17 1.04 1.00 0.93 1.34 0.68 0.78 1.36 0.87 1.34 2.04

Net charge-offs to loans & leases (%) 

 ................................................2019 0.92 0.06 0.06 0.10 1.78 0.06 0.00 0.33 0.23 0.81 3.98

 ................................................2017 0.74 0.09 0.09 0.09 1.43 0.06 -0.03 0.28 0.11 0.89 2.86

 ................................................2015 0.55 0.11 0.12 0.10 0.99 0.09 0.10 0.42 0.13 0.74 1.95

Noncurrent assets plus 

OREO to assets (%) .....................2019 0.90 0.87 0.62 0.50 1.14 0.45 3.11 0.87 0.53 1.72 0.50

 ................................................2017 1.00 1.16 0.78 0.65 1.23 0.63 4.40 0.81 0.50 1.46 0.47

 .................................................2015 1.33 1.48 1.21 0.97 1.53 0.98 4.80 1.53 0.70 2.20 0.45

Equity capital ratio (%)..............................2019 11.08 19.63 13.73 12.43 9.78 12.25 11.25 12.23 12.30 10.51 9.47

 ................................................2017 10.94 17.52 12.75 11.72 9.99 12.04 9.91 11.91 10.99 9.97 9.84

 ................................................2015 11.37 16.46 12.74 12.24 10.42 12.03 10.03 12.63 11.92 10.69 10.37

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

All

Institutions

Than $100

Less

Million

Than $10

Billion

to 

$1 Billion

$1 Billion

New York

to

$10 Billion

$100 Million

Atlanta Chicago Dallas Francisco

Kansas

City

TABLE III-B. First Half 2020, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Region

Greater
All FDIC-Insured Savings Institutions

Quarterly Banking Profile

Second Quarter 2020

SECOND QUARTER San

(The way it is...)

Number of institutions reporting........................... 636 120 369 130 17 287 53 150 41 71 34

Total assets (in billions).................................... $1,297.2 $6.9 $142.3 $334.8 $813.1 $404.9 $111.6 $109.2 $35.3 $491.3 $144.9

Total deposits (in billions)................................. 1,054.2 5.2 113.3 261.9 673.8 310.4 88.9 77.7 27.7 431.9 117.6

Net income (in millions).................................... 2,558.4 8.8 471.6 847.5 1,230.6 759.6 162.0 475.0 124.9 795.0 242.0

% of unprofitable institutions.............................. 9.4 25.8 4.9 6.2 17.6 8.4 18.9 13.3 2.4 4.2 5.9

% of institutions with earnings gains..................... 49.4 42.5 48.8 58.5 41.2 48.1 43.4 52.0 61.0 49.3 44.1

Performance Ratios (annualized, %)

Yield on earning assets.................................... 3.67 3.99 3.89 3.70 3.62 3.68 2.89 2.35 3.41 2.50 9.20

Cost of funding earning assets........................... 0.56 0.93 0.79 0.73 0.45 0.80 0.66 0.49 0.68 0.17 1.17

Net interest margin.......................................... 3.11 3.06 3.10 2.97 3.17 2.88 2.23 1.86 2.73 2.33 8.03

Noninterest income to earning assets.................. 1.19 4.29 3.00 1.29 0.81 0.88 0.69 4.90 1.74 0.70 1.14

Noninterest expense to earning assets.................. 2.44 6.59 4.20 2.70 2.00 2.50 2.03 3.97 2.36 1.75 3.78

Credit provision to assets................................. 0.85 0.11 0.22 0.40 1.15 0.43 0.22 0.39 0.20 0.45 4.30

Net operating income to assets........................... 0.70 0.49 1.23 0.82 0.57 0.57 0.45 1.76 1.38 0.61 0.64

Pretax return on assets.................................... 1.04 0.63 1.74 1.34 0.80 1.00 0.79 2.24 1.86 0.83 0.90

Return on assets............................................. 0.81 0.52 1.37 1.05 0.62 0.78 0.59 1.78 1.42 0.67 0.68

Return on equity............................................. 8.03 2.89 10.17 8.92 7.06 6.45 6.13 15.56 12.80 8.34 6.23

Net charge-offs to loans and leases..................... 0.75 0.04 0.08 0.10 1.41 0.06 0.04 0.01 0.16 0.63 3.86

Loan and lease loss provision to net charge-offs...... 218.78 432.79 401.61 560.42 198.54 1,016.18 1,295.66 4,767.58 221.85 292.66 156.28

Efficiency ratio................................................ 55.89 89.43 68.73 62.92 49.09 66.06 67.98 58.43 52.34 56.93 39.81

Structural Changes (QTR)

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

Thrifts absorbed by mergers........................... 11 2 9 0 0 7 0 3 1 0 0

Failed Thrifts................................................ 0 0 0 0 0 0 0 0 0 0 0

PRIOR SECOND QUARTERS

(The way it was...)

Return on assets (%)................................2019 1.30 1.25 1.29 0.96 1.45 0.85 0.54 1.61 1.22 1.13 1.99

 .................................................2017 1.15 1.20 1.08 0.92 1.28 0.77 0.56 1.23 0.96 1.29 1.78

 .................................................2015 1.22 1.16 1.03 0.99 1.39 0.69 0.92 1.58 0.79 1.39 2.08

Net charge-offs to loans & leases (%)

 .................................................2019 0.94 0.02 0.06 0.13 1.81 0.07 0.04 0.47 0.26 0.80 4.04

 .................................................2017 0.73 0.06 0.07 0.11 1.41 0.05 -0.24 0.32 0.09 0.87 2.93

 .................................................2015 0.56 0.09 0.11 0.14 1.00 0.11 0.07 0.36 0.15 0.73 2.03

Institutions Dallas

Greater

Than $10

Less $1 Billion

to

$100 Million

TABLE IV-B. SECOND Quarter 2020, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Region

All to

Billion New York

Than $100

Million $1 Billion $10 Billion Atlanta Chicago City Francisco

Kansas
Quarterly Banking Profile

Second Quarter 2020 All FDIC-Insured Savings Institutions

June 30, 2020 San

Percent of Loans 30-89 Days Past Due

All loans secured by real estate........................... 0.80 1.06 0.49 0.45 1.35 0.29 1.78 0.82 1.12 2.50 0.51

Construction, development, and land.................. 0.37 0.45 0.45 0.38 0.25 0.29 0.52 0.83 0.26 0.46 0.08

Nonfarm nonresidential.................................... 0.40 0.82 0.56 0.46 0.18 0.35 0.07 0.68 2.30 0.42 0.17

Multifamily residential real estate........................ 0.07 0.47 0.17 0.14 0.02 0.06 0.00 0.08 1.52 0.05 0.11

Home equity loans.......................................... 0.39 0.26 0.49 0.29 0.43 0.38 1.12 0.15 0.40 0.33 0.11

Other 1-4 Family residential.............................. 1.27 1.19 0.50 0.54 2.60 0.37 2.36 0.94 1.01 3.58 0.90

Commercial and industrial loans........................... 0.36 1.01 0.25 0.35 0.41 0.27 1.60 0.31 0.07 0.39 0.62

Loans to individuals.......................................... 0.91 0.84 0.70 0.46 0.94 0.66 0.20 0.60 0.44 0.28 1.37

Credit card loans.......................................... 1.19 0.00 1.64 0.61 1.19 0.81 0.56 0.80 1.99 0.39 1.39

Other loans to individuals................................. 0.37 0.84 0.60 0.45 0.34 0.66 0.20 0.55 0.16 0.21 0.97

Total loans and leases....................................... 0.77 1.04 0.47 0.44 1.09 0.29 1.52 0.71 1.01 1.40 1.11

Percent of Loans Noncurrent*

All real estate loans.......................................... 2.59 1.10 0.84 0.79 5.53 0.63 10.48 1.45 0.47 9.32 0.71

Construction, development, and land.................. 0.51 0.36 0.56 0.57 0.32 0.56 0.18 0.75 0.43 0.34 0.25

Nonfarm nonresidential.................................... 0.72 0.85 0.88 0.82 0.44 0.80 0.61 0.60 0.39 0.54 0.35

Multifamily residential real estate........................ 0.24 0.86 0.49 0.31 0.16 0.13 3.45 0.22 0.16 0.26 0.34

Home equity loans.......................................... 1.21 0.82 1.21 0.67 1.64 0.68 4.27 0.40 0.51 1.35 1.70

Other 1-4 Family residential.............................. 4.39 1.21 0.85 0.92 10.77 0.81 14.00 1.78 0.47 13.78 0.93

Commercial and industrial loans........................... 0.80 0.30 0.43 1.02 0.64 0.55 1.56 0.26 0.28 1.94 0.61

Loans to individuals.......................................... 1.24 0.56 0.54 0.39 1.31 0.51 0.20 0.60 0.37 0.58 1.83

Credit card loans.......................................... 1.75 0.00 1.27 0.35 1.76 0.64 0.90 1.07 1.28 1.23 1.90

Other loans to individuals................................. 0.29 0.57 0.46 0.39 0.26 0.51 0.20 0.47 0.20 0.19 0.44

Total loans and leases....................................... 2.05 1.03 0.78 0.79 3.35 0.61 7.40 1.15 0.45 5.06 1.47

Percent of Loans Charged-Off (net, YTD)

All real estate loans.......................................... 0.00 0.01 0.02 0.01 -0.02 0.01 -0.07 0.00 0.00 -0.01 0.00

Construction, development, and land.................. 0.01 -0.02 0.06 0.00 -0.01 0.02 -0.01 0.00 -0.05 -0.01 0.04

Nonfarm nonresidential.................................... 0.04 0.00 0.04 0.05 0.02 0.04 -0.02 0.01 0.12 0.02 0.01

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

Home equity loans.......................................... -0.08 0.18 0.03 -0.01 -0.18 0.02 -0.48 -0.01 -0.26 -0.16 0.01

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

Commercial and industrial loans........................... 0.37 0.03 0.21 0.15 0.70 0.25 0.11 0.35 0.05 0.43 1.37

Loans to individuals.......................................... 3.55 0.50 1.52 0.88 3.75 0.66 0.01 0.18 2.60 1.65 5.39

Credit card loans.......................................... 4.94 0.29 11.23 2.11 4.94 4.17 0.17 0.39 14.49 3.08 5.50

Other loans to individuals................................. 0.78 0.50 0.49 0.75 0.81 0.59 0.01 0.12 0.31 0.74 3.05

Total loans and leases....................................... 0.79 0.03 0.08 0.08 1.49 0.06 0.03 0.10 0.18 0.69 3.89

Loans Outstanding (in billions)

All real estate loans.......................................... $441.4 $4.0 $85.3 $186.2 $165.9 $249.4 $31.2 $58.8 $17.9 $58.4 $25.6

Construction, development, and land.................. 23.8 0.2 5.6 12.8 5.3 14.2 0.9 2.8 0.7 3.4 1.8

Nonfarm nonresidential.................................... 95.2 0.3 18.9 47.7 28.2 68.7 4.3 5.1 2.2 10.6 4.4

Multifamily residential real estate........................ 69.1 0.1 5.7 21.9 41.4 56.7 1.7 2.9 0.5 2.1 5.2

Home equity loans.......................................... 19.9 0.2 3.7 7.1 9.0 8.6 2.3 4.1 0.4 3.1 1.4

Other 1-4 Family residential.............................. 231.5 3.1 50.2 96.3 81.9 100.9 22.0 43.4 13.9 38.6 12.7

Commercial and industrial loans........................... 60.8 0.3 9.6 31.5 19.5 39.6 1.9 3.8 0.9 10.4 4.1

Loans to individuals.......................................... 130.1 0.1 3.0 6.9 120.0 6.4 0.7 7.9 1.3 43.7 70.0

Credit card loans.......................................... 85.3 0.0 0.3 0.7 84.3 0.1 0.0 1.8 0.2 16.4 66.7

Other loans to individuals................................. 44.9 0.1 2.7 6.2 35.7 6.3 0.7 6.2 1.1 27.3 3.3

Total loans and leases (plus unearned income)......... 664.1 4.4 99.3 233.2 327.3 300.4 45.9 79.6 20.6 116.7 100.8

Memo: Other Real Estate Owned (in millions)

All other real estate owned................................. $265.5 $11.7 $99.6 $77.1 $77.2 $93.0 $48.7 $38.8 $17.1 $52.8 $15.1

Construction, development, and land.................. 63.5 3.6 40.4 12.2 7.4 23.9 7.4 10.7 9.2 10.7 1.6

Nonfarm nonresidential.................................... 69.7 2.3 28.7 22.0 16.8 27.0 9.7 9.2 1.7 21.8 0.2

Multifamily residential real estate........................ 4.1 0.0 2.0 2.1 0.0 3.6 0.0 0.4 0.0 0.1 0.0

1-4 Family residential.................................... 128.2 5.8 28.6 40.8 52.9 38.4 31.6 18.5 6.1 20.2 13.3

Troubled Real Estate Asset Rates**

(% of total RE assets)

All real estate loans.......................................... 2.64 1.39 0.95 0.83 5.58 0.67 10.62 1.51 0.57 9.40 0.77

Construction, development, and land.................. 0.78 2.44 1.27 0.67 0.46 0.73 1.01 1.12 1.78 0.66 0.34

Nonfarm nonresidential.................................... 0.81 1.25 1.05 0.88 0.51 0.84 0.83 0.81 0.62 0.79 0.37

Multifamily residential real estate........................ 0.24 0.89 0.53 0.32 0.16 0.14 3.45 0.23 0.16 0.27 0.34

1-4 family residential....................................... 4.19 1.37 0.93 0.94 9.92 0.83 13.20 1.70 0.51 12.89 1.10

* 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.

TABLE V-B. Loan Performance, FDIC-Insured Savings Institutions

Greater

Asset Size Distribution

Institutions

All

Less

Than $100

Million $1 Billion

to

$100 Million $1 Billion

to

$10 Billion Chicago

Than $10

Billion New York Francisco

Geographic Region

Kansas

Atlanta City Dallas