Dollar Amounts in Billions Other

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

Third Quarter 2013 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 6,891 5,937 954 17 4 1,536 3,434 596 47 400 791 66

Number of FDIC-Supervised 4,346 3,907 439 9 0 1,071 2,231 275 29 236 469 26

Total Assets $ 14,596 13,538 1,059 596 3,722 244 4,774 554 149 64 138 4,355

Total Loans $ 7,802 7,162 640 466 1,287 152 3,217 336 103 18 75 2,149

Domestic Deposits $ 9,600 8,791 808 313 1,577 202 3,701 412 127 51 116 3,100

Bank Net Income (QTR) $ 36.008 33.145 2.863 5.022 4.791 0.756 11.721 1.287 0.393 0.319 0.293 11.426

Percent Profitable (QTR) % 91.4 92.4 85.5 100.0 100.0 96.7 90.0 86.1 97.9 88.0 91.7 98.5

Average Return on Assets (QTR) % 0.99 0.99 1.09 3.38 0.52 1.25 0.99 0.92 1.04 1.99 0.85 1.06

Average Return on Equity (QTR) % 8.92 8.90 9.19 22.57 5.88 11.35 8.35 8.19 11.04 14.57 7.51 8.96

Net Interest Margin (QTR) % 3.26 3.25 3.38 9.53 2.35 3.70 3.56 3.09 3.30 2.63 3.53 2.77

Equity to Assets % 11.11 11.06 11.80 14.89 8.82 11.01 11.81 11.40 9.64 13.71 11.34 11.77

Noncurrent Loan Rate - Total Loans * % 2.83 2.85 2.65 1.15 2.97 1.13 2.08 3.07 0.91 2.14 1.96 4.45

 Real Estate Loans % 4.77 4.97 3.28 0.85 6.80 1.42 2.90 3.32 2.01 2.62 2.21 8.14

 C&I Loans % 0.72 0.70 1.14 0.91 0.71 1.46 0.81 1.72 0.13 1.39 1.89 0.51

 Loans to Individuals % 1.04 1.04 1.01 1.17 1.20 0.60 0.94 1.13 0.66 0.64 0.94 0.91

Coverage Ratio ** % 64.49 65.17 56.39 325.13 82.09 132.46 77.01 43.62 132.73 87.81 79.36 34.16

Net Charge-Off Rate - All Loans (QTR) % 0.60 0.61 0.56 2.91 0.86 0.09 0.35 0.30 0.68 0.41 0.31 0.42

 Real Estate Loans (QTR) % 0.36 0.37 0.25 -0.13 0.57 0.07 0.32 0.27 0.65 0.27 0.25 0.39

 C&I Loans (QTR) % 0.28 0.26 0.85 2.69 0.26 0.22 0.26 0.84 0.06 0.57 0.69 0.13

 Loans to Individuals (QTR) % 2.03 2.03 2.00 2.95 2.84 0.35 0.99 0.89 0.75 0.52 0.53 1.36

Third Quarter 2012

Number of FDIC-Insured 7,181 6,168 1,013 17 5 1,539 3,576 706 53 397 818 70

Number of FDIC-Supervised 4,510 4,062 448 9 0 1,065 2,336 324 31 227 489 29

Total Assets $ 14,223 13,070 1,153 580 3,774 224 4,125 822 117 63 143 4,374

Total Loans $ 7,578 6,901 677 464 1,281 137 2,751 443 81 18 78 2,324

Domestic Deposits $ 9,060 8,178 882 291 1,447 185 3,187 642 96 50 119 3,042

Bank Net Income (QTR) $ 37.485 34.614 2.872 4.580 9.159 0.756 9.412 1.533 0.480 0.224 0.370 10.971

Percent Profitable (QTR) % 89.3 90.0 85.1 100.0 100.0 96.6 86.0 87.5 90.6 87.9 91.4 91.4

Average Return on Assets (QTR) % 1.06 1.07 1.00 3.19 0.98 1.36 0.92 0.75 1.67 1.42 1.04 1.01

Average Return on Equity (QTR) % 9.35 9.43 8.48 21.59 10.75 11.71 7.76 6.98 16.80 9.47 8.84 8.11

Net Interest Margin (QTR) % 3.42 3.43 3.30 9.97 2.58 3.82 3.72 2.72 4.26 2.75 3.60 3.02

Equity to Assets % 11.38 11.34 11.88 14.82 9.17 11.68 11.87 10.83 9.96 15.04 11.86 12.44

Noncurrent Loan Rate - Total Loans * % 3.87 3.92 3.35 1.37 4.06 1.43 2.89 3.57 1.99 2.51 2.07 5.76

 Real Estate Loans % 6.37 6.70 4.03 2.53 9.27 1.84 3.88 3.80 2.32 2.99 2.40 10.22

 C&I Loans % 0.97 0.95 1.58 1.24 0.96 1.78 1.14 1.82 1.36 1.48 1.75 0.68

 Loans to Individuals % 1.24 1.25 1.08 1.39 1.41 0.58 1.29 0.95 1.90 1.09 0.71 0.80

Coverage Ratio ** % 56.98 58.09 43.77 307.20 76.99 110.11 64.01 36.25 101.57 80.27 76.77 33.91

Net Charge-Off Rate - All Loans (QTR) % 1.18 1.20 0.93 3.53 1.74 0.23 0.74 0.76 1.26 0.42 0.49 1.07

 Real Estate Loans (QTR) % 1.20 1.28 0.66 22.92 2.38 0.23 0.86 0.76 1.49 0.38 0.46 1.48

 C&I Loans (QTR) % 0.52 0.49 1.11 3.63 0.58 0.48 0.46 0.22 3.83 0.30 0.79 0.30

 Loans to Individuals (QTR) % 2.41 2.40 2.57 3.55 3.41 0.45 0.91 2.01 1.08 0.47 0.63 1.41

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

Statistics At A Glance

Asset Concentration Group

As of September 30, 2013