Dollar Amounts in Billions Other

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

Fourth Quarter 2014 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 6,509 5,642 867 15 3 1,515 3,222 553 52 374 708 67

Number of FDIC-Supervised 4,138 3,719 419 8 0 1,066 2,102 263 33 220 422 24

Total Assets $ 15,554 14,484 1,069 484 3,736 273 4,878 440 176 62 129 5,376

Total Loans $ 8,309 7,638 671 387 1,283 176 3,344 274 125 17 70 2,633

Domestic Deposits $ 10,368 9,550 818 250 1,708 227 3,769 328 148 49 108 3,780

Bank Net Income (QTR) $ 36.919 33.772 3.147 3.702 4.830 0.741 11.554 0.997 0.403 0.382 0.267 14.044

Percent Profitable (QTR) % 90.6 91.2 86.9 100.0 100.0 92.3 91.1 87.5 94.2 85.8 89.0 95.5

Average Return on Assets (QTR) % 0.96 0.94 1.19 3.08 0.52 1.10 0.96 0.91 0.93 2.49 0.83 1.05

Average Return on Equity (QTR) % 8.56 8.44 10.06 20.43 5.48 9.55 7.97 7.54 9.36 16.89 7.02 9.44

Net Interest Margin (QTR) % 3.12 3.09 3.51 9.76 2.39 3.70 3.40 2.70 3.58 2.72 3.50 2.72

Equity to Assets % 11.15 11.11 11.77 15.13 9.48 11.42 11.97 12.07 9.87 14.78 11.83 11.12

Noncurrent Loan Rate - Total Loans * % 1.96 1.95 2.04 1.10 2.31 0.95 1.32 2.97 1.56 1.62 1.76 2.71

 Real Estate Loans % 3.35 3.44 2.57 0.43 5.41 1.18 1.78 3.28 3.70 1.88 1.98 5.52

 C&I Loans % 0.50 0.49 0.77 0.72 0.45 1.23 0.60 0.88 0.51 1.58 1.54 0.32

 Loans to Individuals % 0.89 0.88 1.05 1.14 1.08 0.55 0.74 0.55 0.75 0.64 1.05 0.72

Coverage Ratio ** % 75.38 75.93 69.37 284.22 80.12 146.48 96.89 38.27 73.82 114.52 81.13 50.03

Net Charge-Off Rate - All Loans (QTR) % 0.48 0.47 0.53 2.74 0.73 0.19 0.24 0.12 0.65 0.45 0.26 0.38

 Real Estate Loans (QTR) % 0.17 0.18 0.11 0.09 0.37 0.13 0.19 0.09 0.26 0.40 0.18 0.09

 C&I Loans (QTR) % 0.27 0.26 0.64 1.83 0.35 0.57 0.23 0.11 0.37 0.15 0.60 0.19

 Loans to Individuals (QTR) % 1.91 1.88 2.22 2.83 2.53 0.54 0.81 0.99 0.82 0.90 0.57 1.70

Fourth Quarter 2013

Number of FDIC-Insured 6,812 5,876 936 16 4 1,532 3,378 588 55 405 772 62

Number of FDIC-Supervised 4,312 3,873 439 8 0 1,070 2,197 270 36 240 468 23

Total Assets $ 14,731 13,679 1,052 591 3,701 262 4,921 487 162 63 138 4,407

Total Loans $ 7,893 7,246 647 469 1,299 164 3,318 297 111 18 75 2,141

Domestic Deposits $ 9,791 8,988 803 323 1,621 218 3,796 362 137 51 116 3,166

Bank Net Income (QTR) $ 39.820 36.926 2.894 5.345 8.590 0.697 11.689 1.172 0.363 0.345 0.261 11.358

Percent Profitable (QTR) % 87.3 88.1 82.3 100.0 100.0 91.6 86.4 82.7 90.9 83.2 86.7 96.8

Average Return on Assets (QTR) % 1.09 1.09 1.10 3.65 0.92 1.08 0.96 0.96 0.91 2.18 0.76 1.04

Average Return on Equity (QTR) % 9.76 9.79 9.36 24.95 10.23 9.73 8.13 8.31 9.40 16.20 6.70 8.90

Net Interest Margin (QTR) % 3.27 3.26 3.45 9.58 2.46 3.68 3.53 2.85 3.38 2.69 3.56 2.80

Equity to Assets % 11.16 11.11 11.76 14.73 9.28 10.97 11.79 11.62 9.51 13.50 11.34 11.52

Noncurrent Loan Rate - Total Loans * % 2.63 2.64 2.44 1.17 2.73 1.09 1.91 3.01 1.66 1.83 1.83 4.14

 Real Estate Loans % 4.45 4.63 3.03 0.79 6.36 1.39 2.65 3.27 4.53 2.28 2.08 7.70

 C&I Loans % 0.63 0.62 1.03 0.95 0.60 1.30 0.71 1.66 0.84 1.19 1.59 0.42

 Loans to Individuals % 1.05 1.05 1.05 1.20 1.13 0.56 0.98 0.72 0.78 0.56 0.93 0.93

Coverage Ratio ** % 65.58 66.06 59.67 296.22 82.57 132.87 79.99 42.96 75.78 100.96 82.54 34.52

Net Charge-Off Rate - All Loans (QTR) % 0.62 0.61 0.62 3.09 0.81 0.20 0.38 0.28 0.88 0.66 0.37 0.40

 Real Estate Loans (QTR) % 0.35 0.36 0.25 4.17 0.51 0.16 0.34 0.26 0.62 0.58 0.29 0.32

 C&I Loans (QTR) % 0.31 0.29 0.78 2.48 0.27 0.52 0.31 0.61 0.53 0.51 0.72 0.14

 Loans to Individuals (QTR) % 2.12 2.11 2.31 3.16 2.79 0.58 1.02 1.25 1.00 0.91 0.80 1.46

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

 Statistics At A Glance

 As of December 31, 2014

Asset Concentration Group

See back of page for FDIC historical trends.