All FDIC-Insured Commercial Banks

Quarterly Banking Profile

Second Quarter 2023

INCOME DATA

Total interest income ......................................................................................... $513,428 $288,354 78.1 $268,175 $153,347 74.9

Total interest expense ........................................................................................ 184,063 20,623 792.5 103,487 12,976 697.5

Net interest income ....................................................................................... 329,365 267,731 23.0 164,688 140,371 17.3

Provision for credit losses .................................................................................. 39,061 14,806 163.8 19,870 10,208 94.7

Total noninterest income ................................................................................... 158,645 146,589 8.2 75,550 73,542 2.7

Total noninterest expense ................................................................................. 267,185 251,644 6.2 134,438 126,725 6.1

Securities gains (losses) ..................................................................................... -3,420 -568 N/M -1,260 -105 N/M

Applicable income taxes .................................................................................... 33,042 30,089 9.8 16,305 15,958 2.2

Extraordinary gains, net ..................................................................................... 8 -249 N/M -1 -249 N/M

Net income ..................................................................................................... 145,096 116,853 24.2 68,240 60,610 12.6

Net charge-offs ................................................................................................... 24,708 11,695 111.3 13,446 6,054 122.1

Cash dividends ................................................................................................... 93,020 54,351 71.1 49,914 27,417 82.1

Net operating income .................................................................................... 148,163 117,679 25.9 69,419 61,009 13.8

N/M - Not Meaningful

%Change 

22Q2-23Q2

First Half 

2023

First Half 

2022 %Change

2nd Quarter

2023

2nd Quarter

2022

(dollar figures in millions)

Number of institutions reporting .................................................................................... 4,071 4,096 4,179 -2.6

Total employees (full-time equivalent) .......................................................................... 2,006,715 2,020,493 1,982,689 1.2

CONDITION DATA

Total assets ...................................................................................................................... $22,191,409 $22,431,270 $22,293,320 -0.5

Loans secured by real estate ...................................................................................... 5,413,281 5,368,975 5,036,192 7.5

Commercial & industrial loans ................................................................................... 2,472,573 2,484,809 2,440,185 1.3

Loans to individuals ................................................................................................... 1,918,804 1,889,168 1,824,709 5.2

Farm loans .................................................................................................................. 71,370 66,582 66,852 6.8

Other loans & leases ................................................................................................... 1,767,721 1,758,953 1,726,609 2.4

Less: Unearned income .............................................................................................. 1,710 1,451 1,345 27.1

Total loans & leases .................................................................................................... 11,642,039 11,567,036 11,093,201 4.9

Less: Reserve for losses .............................................................................................. 193,754 187,249 165,498 17.1

Net loans and leases ........................................................................................................ 11,448,285 11,379,786 10,927,703 4.8

Securities ......................................................................................................................... 4,949,715 5,103,678 5,567,828 -11.1

Other real estate owned .................................................................................................. 2,698 2,544 2,669 1.1

Goodwill and other intangibles ....................................................................................... 429,380 428,818 411,385 4.4

All other assets ................................................................................................................ 5,361,331 5,516,444 5,383,734 -0.4

Total liabilities and capital ............................................................................................. 22,191,409 22,431,270 22,293,320 -0.5

Noninterest-bearing deposits .................................................................................... 4,271,916 4,548,325 5,443,217 -21.5

Interest-bearing deposits ........................................................................................... 13,353,239 13,150,432 12,899,407 3.5

Other borrowed funds ................................................................................................ 1,605,183 1,770,926 1,069,459 50.1

Subordinated debt ..................................................................................................... 58,618 60,741 63,382 -7.5

All other liabilities ....................................................................................................... 751,327 735,429 714,829 5.1

Equity capital .............................................................................................................. 2,151,126 2,165,417 2,103,021 2.3

Loans and leases 30-89 days past due ............................................................................ 56,653 57,563 53,053 6.8

Noncurrent loans and leases ........................................................................................... 84,809 83,323 78,623 7.9

Restructured loans and leases ........................................................................................ 19,872 12,178 39,449 -49.6

1-4 family residential mortgages .................................................................................... 2,539,326 2,520,606 2,384,164 6.5

Mortgage-backed securities ............................................................................................ 2,602,580 2,662,739 2,945,160 -11.6

Earning assets ................................................................................................................. 20,060,167 20,298,918 20,171,391 -0.6

Long-term assets (5+ years) ............................................................................................ 6,306,797 6,457,058 6,755,173 -6.6

Volatile liabilities ............................................................................................................. 3,157,799 3,281,079 2,662,881 18.6

Foreign office deposits .................................................................................................... 1,445,647 1,438,164 1,485,329 -2.7

FHLB Advances ................................................................................................................ 550,692 695,010 266,450 106.7

Unused loan commitments ............................................................................................. 9,201,508 9,082,024 8,829,011 4.2

Off-balance-sheet derivatives ......................................................................................... 224,561,724 220,396,828 197,330,428 13.8

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

2nd Quarter

2023

1st Quarter

2023

2nd Quarter

2022

%Change 

22Q2-23Q2

2023* 2022* 2022 2021 2020 2019 2018

Return on assets (%) ............................................................................. 1.32 1.05 1.12 1.24 0.71 1.29 1.35

Return on equity (%) ............................................................................. 13.71 10.93 11.80 12.27 6.75 11.32 11.99

Core capital (leverage) ratio ................................................................. 9.03 8.67 8.93 8.67 8.79 9.61 9.66

Noncurrent assets plus

other real estate owned to assets (%) ........................................... 0.40 0.37 0.38 0.40 0.56 0.52 0.58

Net charge-offs to loans (%) ................................................................. 0.43 0.22 0.26 0.24 0.49 0.49 0.46

Asset growth rate (%) ............................................................................ -0.46 4.46 0.53 8.35 17.15 4.57 3.15

Net interest margin (%) ........................................................................ 3.31 2.65 2.93 2.52 2.80 3.32 3.37

Net operating income growth (%) ....................................................... 25.90 -14.14 -3.02 100.38 -39.29 -3.33 47.56

Number of institutions reporting ........................................................ 4,071 4,179 4,127 4,232 4,375 4,518 4,715

Percentage of unprofitable institutions (%) ....................................... 3.22 3.78 2.93 2.62 4.02 3.30 2.97

Number of failed institutions ............................................................... 3 0 0 0 4 3 0

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

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

Second Quarter 2023 All FDIC-Insured Commercial Banks

FIRST HALF

(The way it is...)

Number of institutions reporting .................................. 4,071 642 2,589 700 127 13 288 482 858 1,151 977 315

Total assets (in billions) ................................................. $22,191.4 $39.3 $948.7 $1,968.8 $5,995.0 $13,239.6 $4,147.7 $4,722.5 $5,887.9 $4,105.1 $1,456.7 $1,871.5

Total deposits (in billions) ............................................. 17,625.2 33.3 810.5 1,623.6 4,787.9 10,370.0 3,298.2 3,801.4 4,502.7 3,330.7 1,188.3 1,504.0

Net income (in millions) ................................................. 145,096 205 5,799 12,100 46,972 80,021 23,966 37,975 37,921 23,665 9,079 12,491

% of unprofitable institutions ....................................... 3.2 8.1 2.5 1.1 3.9 7.7 4.2 4.8 2.6 2.1 2.5 8.3

% of institutions with earnings gains ............................ 61.3 72.3 61.9 50.9 52.8 61.5 50.0 71.4 59.7 60.0 63.3 59.7

Performance Ratios (annualized, %)

Yield on earning assets ................................................... 5.16 4.62 4.83 5.29 5.54 4.99 5.40 4.95 4.84 5.25 5.11 5.96

Cost of funding earning assets ...................................... 1.85 0.84 1.20 1.56 1.97 1.89 2.30 1.56 1.72 1.89 1.57 2.12

Net interest margin ........................................................ 3.31 3.78 3.63 3.73 3.56 3.10 3.11 3.40 3.12 3.35 3.54 3.85

Noninterest income to earning assets .......................... 1.59 1.31 0.87 1.12 1.88 1.59 1.41 1.68 1.77 1.26 0.98 2.42

Noninterest expense to earning assets ......................... 2.69 3.71 2.86 2.86 2.85 2.57 2.50 2.53 2.61 2.64 2.69 3.77

Credit loss provision to assets ....................................... 0.35 0.06 0.09 0.23 0.43 0.36 0.32 0.44 0.32 0.34 0.14 0.51

Net operating income to assets ..................................... 1.35 1.05 1.25 1.29 1.61 1.25 1.19 1.63 1.37 1.15 1.28 1.38

Pretax return on assets .................................................. 1.62 1.20 1.43 1.56 1.94 1.50 1.46 1.83 1.65 1.44 1.52 1.80

Return on assets ............................................................. 1.32 1.04 1.23 1.24 1.59 1.21 1.17 1.62 1.32 1.14 1.26 1.34

Return on equity ............................................................ 13.71 8.91 13.57 12.85 16.21 12.71 11.72 16.55 14.00 12.09 12.94 14.22

Net charge-offs to loans and leases .............................. 0.43 0.04 0.06 0.24 0.41 0.53 0.47 0.57 0.33 0.41 0.09 0.62

Loan and lease loss provision to net charge-offs ......... 156.39 315.27 200.04 140.65 158.28 156.49 134.04 148.23 206.05 163.25 231.93 126.92

Efficiency ratio ................................................................ 53.98 72.69 63.30 58.52 50.75 54.25 54.59 49.37 52.92 56.80 58.97 57.35

Condition Ratios (%)

Earning assets to total assets ........................................ 90.40 92.77 93.71 92.90 91.82 89.13 89.77 89.99 89.73 90.37 91.55 94.07

Loss allowance to:

Loans and leases ...................................................... 1.66 1.51 1.34 1.40 1.59 1.81 1.76 1.69 1.57 1.81 1.26 1.73

Noncurrent loans and leases ................................... 228.46 183.79 276.86 238.74 235.03 220.29 190.73 241.25 230.83 225.65 236.38 295.24

Noncurrent assets plus

other real estate owned to assets ........................... 0.40 0.48 0.35 0.45 0.45 0.37 0.48 0.38 0.35 0.41 0.38 0.40

Equity capital ratio ......................................................... 9.68 11.83 9.20 9.75 9.82 9.64 9.98 9.87 9.41 9.58 9.81 9.55

Core capital (leverage) ratio .......................................... 9.03 13.75 10.99 10.42 9.43 8.49 9.18 8.60 8.77 8.98 10.10 9.92

Common equity tier 1 capital ratio* .............................. 13.57 21.40 15.00 13.30 12.91 13.90 13.75 12.92 14.32 13.19 12.68 14.31

Tier 1 risk-based capital ratio* ....................................... 13.63 21.40 15.00 13.30 13.02 13.93 13.78 12.97 14.37 13.27 12.78 14.37

Total risk-based capital ratio* ....................................... 14.98 22.44 16.12 14.40 14.37 15.33 15.06 14.20 15.77 14.85 14.02 15.58

Net loans and leases to deposits ................................... 64.95 62.42 74.58 82.91 78.92 54.95 63.50 64.11 61.86 60.12 77.60 80.24

Structural Changes (YTD)

New reporters .......................................................... 3 3 0 0 0 0 0 0 2 0 0 1

Banks absorbed by mergers .................................... 54 14 25 12 3 0 3 8 18 11 12 2

Failed banks ............................................................. 3 0 0 0 3 0 1 0 0 0 0 2

PRIOR FIRST HALVES

(The way it was...)

Number of institutions .......................................... 2022 4,179 686 2,667 683 131 12 292 498 885 1,181 997 326

 ................................ 2020 4,430 890 2,784 625 119 12 320 523 935 1,265 1,050 337

 ................................ 2018 4,834 1,220 2,977 516 112 9 351 589 1,025 1,364 1,131 374

Total assets (in billions) ........................................ 2022 $22,293.3 $42.3 $972.1 $1,847.2 $6,572.3 $12,859.5 $4,084.0 $4,629.7 $5,639.7 $4,118.1 $1,396.5 $2,425.4

 ................................ 2020 19,842.1 53.7 953.7 1,689.6 5,577.2 11,568.0 3,465.2 4,251.4 4,848.4 4,088.6 1,192.9 1,995.7

 ................................ 2018 16,367.1 73.0 953.7 1,352.4 5,307.3 8,680.7 2,836.8 3,512.5 3,851.0 3,586.3 977.9 1,602.6

Return on assets (%) ............................................. 2022 1.05 0.78 1.06 1.31 1.30 0.89 0.96 1.06 0.95 0.97 1.16 1.50

 ................................ 2020 0.35 0.98 1.19 0.99 0.09 0.31 0.31 0.19 0.48 0.19 0.83 0.47

 ................................ 2018 1.33 1.00 1.23 1.36 1.42 1.29 1.21 1.42 1.29 1.22 1.37 1.69

Net charge-offs to loans & leases (%) .................. 2022 0.22 0.04 0.03 0.13 0.26 0.23 0.24 0.30 0.16 0.24 0.05 0.23

 ................................ 2020 0.54 0.17 0.12 0.25 0.67 0.57 0.60 0.63 0.45 0.59 0.33 0.52

 ................................ 2018 0.46 0.17 0.11 0.21 0.63 0.44 0.73 0.56 0.23 0.51 0.13 0.40

Noncurrent assets plus

OREO to assets ................................................ 2022 0.37 0.54 0.36 0.43 0.41 0.34 0.44 0.35 0.32 0.41 0.35 0.32

 ................................ 2020 0.56 0.92 0.70 0.68 0.61 0.51 0.57 0.45 0.51 0.74 0.61 0.51

 ................................ 2018 0.63 0.98 0.82 0.72 0.57 0.63 0.63 0.63 0.59 0.74 0.64 0.46

Equity capital ratio (%) ......................................... 2022 9.42 11.41 8.98 9.61 9.94 9.16 9.68 9.87 8.82 9.41 9.68 9.42

 ................................ 2020 10.17 13.07 10.90 10.68 11.00 9.62 10.48 10.67 9.59 9.55 11.39 10.47

 ................................ 2018 11.33 12.73 11.05 11.71 12.45 10.61 12.58 12.12 10.45 10.24 11.70 11.76

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

TABLE III-A. First Half 2023, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

$10 Billion

to

$250 Billion

Greater

Than $250

Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco

San Francisco - Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming

Regions:

New York - Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Puerto Rico Rhode Island, Vermont, U.S. Virgin Islands

Atlanta - Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia

Chicago - Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin

Kansas City - Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota

Dallas - Arkansas, Colorado, Louisiana, Mississippi, New Mexico, Oklahoma, Tennessee, Texas
All FDIC-Insured Commercial Banks

Quarterly Banking Profile

Second Quarter 2023

SECOND QUARTER

(The way it is...)

Number of institutions reporting .................................. 4,071 642 2,589 700 127 13 288 482 858 1,151 977 315

Total assets (in billions) ................................................. $22,191.4 $39.3 $948.7 $1,968.8 $5,995.0 $13,239.6 $4,147.7 $4,722.5 $5,887.9 $4,105.1 $1,456.7 $1,871.5

Total deposits (in billions) ............................................. 17,625.2 33.3 810.5 1,623.6 4,787.9 10,370.0 3,298.2 3,801.4 4,502.7 3,330.7 1,188.3 1,504.0

Net income (in millions) ................................................. 68,240 102 2,953 6,226 18,664 40,296 11,111 14,434 20,284 10,845 4,576 6,992

% of unprofitable institutions ....................................... 4.0 10.3 3.0 2.3 3.2 0.0 5.2 5.4 3.4 3.1 2.9 9.2

% of institutions with earnings gains ............................ 53.4 64.8 53.1 45.0 47.2 61.5 44.1 61.6 52.8 49.5 56.6 54.9

Performance Ratios (annualized, %)

Yield on earning assets ................................................... 5.35 4.78 4.97 5.42 5.73 5.18 5.64 5.13 5.01 5.43 5.26 6.11

Cost of funding earning assets ...................................... 2.06 0.97 1.37 1.76 2.22 2.09 2.56 1.78 1.91 2.07 1.80 2.34

Net interest margin ........................................................ 3.28 3.81 3.61 3.66 3.52 3.09 3.09 3.34 3.11 3.36 3.46 3.77

Noninterest income to earning assets .......................... 1.51 1.36 0.93 1.17 1.49 1.61 1.37 1.24 1.85 1.16 1.04 2.52

Noninterest expense to earning assets ......................... 2.68 3.78 2.86 2.87 2.82 2.57 2.52 2.53 2.61 2.65 2.68 3.67

Credit loss provision to assets ....................................... 0.36 0.08 0.09 0.22 0.41 0.38 0.37 0.41 0.32 0.35 0.14 0.51

Net operating income to assets ..................................... 1.25 1.04 1.26 1.29 1.25 1.25 1.08 1.23 1.45 1.06 1.27 1.50

Pretax return on assets .................................................. 1.52 1.20 1.46 1.58 1.60 1.49 1.36 1.43 1.72 1.33 1.52 1.94

Return on assets ............................................................. 1.23 1.03 1.25 1.27 1.25 1.22 1.07 1.21 1.39 1.05 1.26 1.49

Return on equity ............................................................ 12.72 8.75 13.58 13.03 12.65 12.65 10.75 12.37 14.69 11.02 12.84 15.69

Net charge-offs to loans and leases .............................. 0.47 0.04 0.07 0.24 0.44 0.59 0.51 0.63 0.36 0.45 0.11 0.62

Loan and lease loss provision to net charge-offs ......... 153.81 404.20 188.26 135.46 146.59 158.68 144.56 131.11 207.70 164.01 202.67 125.08

Efficiency ratio ................................................................ 55.43 72.85 62.89 58.80 55.61 54.20 55.91 54.63 51.99 58.36 58.85 57.86

Structural Changes (QTR)

New reporters .......................................................... 2 2 0 0 0 0 0 0 1 0 0 1

Banks absorbed by mergers .................................... 24 10 9 4 1 0 2 2 9 5 6 0

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

PRIOR SECOND QUARTERS

(The way it was...)

Return on assets (%) ............................................. 2022 1.08 0.83 1.13 1.33 1.32 0.93 0.94 1.06 1.01 1.05 1.21 1.53

 ................................ 2020 0.33 1.03 1.28 1.10 0.37 0.12 0.05 0.31 0.49 -0.10 0.95 0.99

 ................................ 2018 1.38 1.06 1.28 1.40 1.48 1.34 1.24 1.52 1.32 1.27 1.40 1.76

Net charge-offs to loans & leases (%) .................. 2022 0.22 0.04 0.04 0.14 0.26 0.24 0.24 0.29 0.16 0.24 0.04 0.25

 ................................ 2020 0.56 0.19 0.13 0.26 0.67 0.60 0.62 0.62 0.46 0.63 0.42 0.48

 ................................ 2018 0.45 0.12 0.11 0.23 0.61 0.43 0.71 0.55 0.22 0.49 0.14 0.39

TABLE IV-A. Second Quarter 2023, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

$10 Billion

to

$250 Billion

Greater

Than $250

Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco
Quarterly Banking Profile

Second Quarter 2023 All FDIC-Insured Commercial Banks

June 30, 2023

Percent of Loans 30-89 Days Past Due

All loans secured by real estate ...................................... 0.34 0.79 0.36 0.21 0.35 0.39 0.40 0.39 0.28 0.43 0.31 0.24

Construction and development ............................... 0.35 0.62 0.42 0.27 0.33 0.43 0.53 0.20 0.21 0.47 0.26 0.53

Nonfarm nonresidential ........................................... 0.20 0.65 0.23 0.13 0.21 0.22 0.28 0.19 0.16 0.25 0.18 0.09

Multifamily residential real estate ........................... 0.12 0.45 0.11 0.09 0.21 0.03 0.22 0.20 0.05 0.06 0.20 0.02

Home equity loans .................................................... 0.49 0.36 0.38 0.39 0.53 0.49 0.45 0.46 0.58 0.55 0.45 0.33

Other 1-4 Family residential ..................................... 0.50 1.10 0.55 0.35 0.53 0.51 0.55 0.57 0.37 0.60 0.54 0.40

Commercial and industrial loans ................................... 0.32 1.32 0.53 0.40 0.27 0.32 0.16 0.29 0.41 0.29 0.28 0.54

Loans to individuals ........................................................ 1.40 1.26 1.13 1.85 1.26 1.45 1.19 1.95 0.84 1.32 1.57 1.62

Credit card loans ....................................................... 1.30 3.57 3.74 3.46 1.16 1.29 1.56 1.70 0.90 1.14 0.61 1.02

Other loans to individuals ........................................ 1.49 1.25 1.04 1.51 1.32 1.66 0.87 2.18 0.79 1.70 1.65 1.95

All other loans and leases (including farm) ................... 0.18 0.50 0.36 0.29 0.24 0.15 0.09 0.13 0.27 0.17 0.16 0.31

Total loans and leases .................................................... 0.49 0.85 0.41 0.35 0.48 0.53 0.45 0.62 0.39 0.48 0.33 0.63

Memo: Nonfarm nonres loans not secured by RE ........ 0.31 0.10 0.75 0.01 0.27 0.33 0.26 0.05 0.86 0.08 0.03 0.34

Percent of Loans Noncurrent*

All real estate loans ......................................................... 0.91 0.75 0.44 0.46 0.73 1.39 1.14 0.91 0.92 1.21 0.48 0.47

Construction and development ............................... 0.41 0.41 0.32 0.41 0.29 0.70 0.82 0.29 0.61 0.22 0.14 0.59

Nonfarm nonresidential ........................................... 0.84 0.92 0.47 0.43 0.73 1.69 1.24 0.99 0.64 1.25 0.38 0.46

Multifamily residential real estate ........................... 0.20 0.12 0.19 0.25 0.18 0.21 0.34 0.35 0.14 0.11 0.12 0.08

Home equity loans .................................................... 1.78 0.44 0.32 0.41 1.06 2.91 1.63 1.30 2.22 3.78 0.69 0.42

Other 1-4 Family residential ..................................... 1.14 0.76 0.45 0.60 0.99 1.42 1.36 0.98 1.16 1.46 0.88 0.57

Commercial and industrial loans ................................... 0.68 1.46 0.70 1.04 0.77 0.55 0.94 0.53 0.68 0.52 0.74 0.87

Loans to individuals ........................................................ 0.86 0.66 0.44 1.03 0.79 0.89 1.00 1.01 0.52 0.91 0.99 0.83

Credit card loans ....................................................... 1.28 1.94 2.07 3.36 1.25 1.24 1.61 1.61 0.89 1.13 0.51 1.11

Other loans to individuals ........................................ 0.46 0.65 0.38 0.54 0.50 0.43 0.49 0.45 0.19 0.41 1.04 0.69

All other loans and leases (including farm) ................... 0.14 0.62 0.56 0.32 0.11 0.13 0.13 0.07 0.22 0.12 0.22 0.13

Total loans and leases .................................................... 0.73 0.82 0.48 0.59 0.68 0.82 0.92 0.70 0.68 0.80 0.53 0.59

Memo: Nonfarm nonres loans not secured by RE ........ 0.26 0.00 0.26 0.02 0.31 0.25 0.24 0.09 0.72 0.04 0.05 0.06

Percent of Loans Charged-Off (net, YTD)

All real estate loans ......................................................... 0.06 -0.02 0.00 0.01 0.06 0.10 0.07 0.11 0.06 0.02 0.02 0.05

Construction and development ............................... 0.02 -0.02 -0.01 0.00 0.04 0.00 0.05 -0.02 0.02 0.00 0.00 0.08

Nonfarm nonresidential ........................................... 0.18 0.01 0.01 0.02 0.14 0.50 0.22 0.35 0.18 0.10 0.05 0.09

Multifamily residential real estate ........................... 0.02 0.00 0.00 0.00 0.02 0.04 0.01 0.01 0.06 0.00 0.01 0.00

Home equity loans .................................................... -0.08 0.00 -0.01 0.01 -0.03 -0.15 -0.04 -0.12 -0.11 -0.09 -0.03 0.01

Other 1-4 Family residential ..................................... 0.01 -0.05 0.00 0.00 0.00 0.01 -0.01 0.00 0.03 0.00 0.00 0.02

Commercial and industrial loans ................................... 0.29 0.23 0.20 0.25 0.38 0.24 0.19 0.29 0.30 0.15 0.19 0.79

Loans to individuals ........................................................ 1.97 0.44 0.71 2.74 1.71 2.09 2.14 2.16 1.41 2.39 0.99 1.90

Credit card loans ....................................................... 3.16 14.45 4.11 9.43 3.08 3.03 3.80 3.50 2.32 3.02 1.45 3.25

Other loans to individuals ........................................ 0.89 0.33 0.59 1.28 0.86 0.87 0.81 0.95 0.59 0.99 0.95 1.16

All other loans and leases (including farm) ................... 0.10 -0.06 0.11 0.12 0.06 0.12 0.08 0.17 0.09 0.09 0.15 0.05

Total loans and leases .................................................... 0.43 0.04 0.06 0.24 0.41 0.53 0.47 0.57 0.33 0.41 0.09 0.62

Memo: Nonfarm nonres loans not secured by RE ........ 0.03 0.04 -0.01 0.02 0.08 0.00 0.11 0.00 0.01 0.00 0.00 0.11

Loans Outstanding (in billions)

All real estate loans ......................................................... $5,413.3 $13.8 $470.6 $985.4 $1,922.6 $2,021.0 $1,019.0 $975.6 $1,280.3 $888.3 $648.9 $601.1

Construction and development ............................... 460.3 1.0 51.8 115.3 194.4 97.9 73.5 75.8 80.9 69.6 115.4 45.3

Nonfarm nonresidential ........................................... 1,697.2 3.2 183.2 444.6 685.3 380.9 335.5 328.3 296.4 221.9 277.8 237.2

Multifamily residential real estate ........................... 549.8 0.3 27.1 104.1 224.8 193.5 156.0 51.3 171.4 60.5 35.9 74.7

Home equity loans .................................................... 253.0 0.2 13.1 31.9 93.5 114.4 64.7 56.3 64.3 28.3 19.3 20.1

Other 1-4 Family residential ..................................... 2,286.3 5.9 144.1 251.2 707.3 1,177.8 383.9 448.2 641.5 421.2 177.3 214.2

Commercial and industrial loans ................................... 2,472.6 2.8 79.5 226.6 805.7 1,358.1 401.1 640.0 609.1 440.1 188.5 193.8

Loans to individuals ........................................................ 1,918.8 1.5 24.5 89.4 656.2 1,147.2 381.0 478.9 418.3 306.9 29.8 304.0

Credit card loans ....................................................... 926.9 0.0 0.8 15.6 253.5 657.0 172.0 233.0 199.5 212.8 2.4 107.1

Other loans to individuals ........................................ 991.9 1.5 23.7 73.9 402.7 490.2 209.0 245.8 218.8 94.0 27.4 196.9

All other loans and leases (including farm) ................... 1,839.1 3.0 38.3 64.5 455.9 1,277.3 331.0 384.8 522.4 404.1 67.1 129.7

Total loans and leases .................................................... 11,643.8 21.1 612.9 1,365.8 3,840.4 5,803.6 2,132.1 2,479.3 2,830.1 2,039.3 934.3 1,228.7

Memo: Nonfarm nonres loans not secured by RE ........ 207.2 0.1 2.0 5.5 51.9 147.7 33.6 66.2 52.6 35.9 6.8 12.2

Memo: Other Real Estate Owned (in millions)

All other real estate owned ............................................. $2,698.1 $13.5 $330.7 $622.8 $651.1 $1,080.1 $398.6 $661.2 $523.1 $536.9 $433.9 $144.5

Construction and development ............................... 428.8 2.8 110.6 181.4 113.4 20.6 45.9 71.4 28.5 86.0 170.9 26.0

Nonfarm nonresidential ........................................... 1,407.5 5.3 145.0 303.6 241.3 712.3 96.9 458.5 240.1 365.2 195.3 51.6

Multifamily residential real estate ........................... 65.5 0.4 11.9 42.1 6.4 4.6 42.7 3.0 10.7 6.9 2.2 0.0

1-4 Family residential 737.7 4.9 47.3 74.3 274.6 336.7 213.1 126.8 236.7 63.8 48.5 49.0

Farmland ................................................................... 56.2 0.1 15.8 20.8 15.4 4.0 0.0 1.0 7.2 13.0 17.1 17.9

Other real estate owned in foreign offices .............. 2.5 0.0 0.0 0.5 0.0 2.0 0.0 0.5 0.0 2.0 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.

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

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

$10 Billion

to

$250 Billion

Greater

Than $250

Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco
All FDIC-Insured Savings Institutions

Quarterly Banking Profile

Second Quarter 2023

2023* 2022* 2022 2021 2020 2019 2018

Return on assets (%) ............................................................................. 0.81 1.02 0.99 1.11 0.85 1.34 1.27

Return on equity (%) ............................................................................. 10.68 11.59 12.24 11.30 8.34 12.30 11.74

Core capital (leverage) ratio (%) .......................................................... 10.26 9.72 9.76 9.69 9.25 10.27 10.29

Noncurrent assets plus

other real estate owned to assets (%) ........................................... 0.65 0.67 0.67 0.94 1.41 1.02 0.91

Net charge-offs to loans (%) ................................................................. 0.76 0.38 0.48 0.40 0.66 0.91 0.81

Asset growth rate (%) ............................................................................ -10.59 -0.51 -15.69 10.22 19.41 -5.02 1.45

Net interest margin ............................................................................... 3.25 3.04 3.28 2.78 3.09 3.87 3.85

Net operating income growth (%) ....................................................... -31.31 -4.81 -14.33 52.27 -31.26 -0.28 19.73

Number of institutions reporting ........................................................ 574 592 579 607 627 659 691

Percentage of unprofitable institutions (%) ....................................... 10.63 11.66 7.60 6.43 9.25 6.68 6.80

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

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

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

(dollar figures in millions)

Number of institutions reporting .................................................................................... 574 576 592 -3.0

Total employees (full-time equivalent) .......................................................................... 107,890 107,905 117,648 -8.3

CONDITION DATA

Total assets ...................................................................................................................... $1,273,681 $1,288,277 $1,424,582 -10.6

Loans secured by real estate ...................................................................................... 436,293 432,521 462,997 -5.8

1-4 family residential .............................................................................................. 255,850 255,448 250,163 2.3

Multifamily residential property ............................................................................ 50,405 49,508 81,735 -38.3

Nonfarm nonresidential ......................................................................................... 101,718 99,647 104,642 -2.8

Construction, development, and land ................................................................... 28,218 27,829 26,380 7.0

Commercial & industrial loans ........................................................................................ 44,720 44,442 47,289 -5.4

Loans to individuals ........................................................................................................ 153,340 148,485 137,037 11.9

Other loans & leases ........................................................................................................ 22,361 19,752 31,384 -28.8

Less: Unearned income & contra accounts .................................................................... 233 185 163 43.4

Total loans & leases ......................................................................................................... 656,482 645,015 678,544 -3.3

Less: Reserve for losses ................................................................................................... 15,269 14,964 13,706 11.4

Net loans & leases ........................................................................................................... 641,213 630,051 664,838 -3.6

Securities ......................................................................................................................... 486,635 507,763 580,702 -16.2

Other real estate owned .................................................................................................. 143 143 138 4.0

Goodwill and other intangibles ....................................................................................... 6,619 6,652 10,018 -33.9

All other assets ................................................................................................................ 139,071 143,668 168,887 -17.7

Total liabilities and capital ............................................................................................. 1,273,681 1,288,277 1,424,582 -10.6

Deposits ...................................................................................................................... 1,018,764 1,043,733 1,220,165 -16.5

Other borrowed funds ................................................................................................ 133,433 129,877 68,984 93.4

Subordinated debt ..................................................................................................... 831 81 81 921.9

All other liabilities ....................................................................................................... 18,439 17,271 18,001 2.4

Equity capital .............................................................................................................. 102,215 97,314 117,351 -12.9

Loans and leases 30-89 days past due ............................................................................ 5,597 5,939 3,861 45.0

Noncurrent loans and leases ........................................................................................... 8,183 8,805 9,376 -12.7

Restructured loans and leases ........................................................................................ 1,284 972 2,744 -53.2

Mortgage-backed securities ............................................................................................ 359,731 369,419 434,079 -17.1

Earning assets ................................................................................................................. 1,207,495 1,223,593 1,351,797 -10.7

FHLB Advances ................................................................................................................ 107,989 109,428 59,292 82.1

Unused loan commitments ............................................................................................. 613,524 611,141 627,234 -2.2

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

2nd Quarter

2023

1st Quarter

2023

2nd Quarter

2022

%Change 

22Q2-23Q2

INCOME DATA

Total interest income ......................................................................................... $29,114 $22,274 30.7 $15,017 $11,630 29.1

Total interest expense ........................................................................................ 9,377 1,636 473.2 5,374 875 514.0

Net interest income ....................................................................................... 19,737 20,638 -4.4 9,643 10,755 -10.3

Provision for credit losses .................................................................................. 3,123 1,483 110.6 1,594 870 83.1

Total noninterest income ................................................................................... 5,208 6,811 -23.6 2,635 3,345 -21.2

Total noninterest expense ................................................................................. 15,141 16,208 -6.6 7,457 8,108 -8.0

Securities gains (losses) ..................................................................................... 9 -328 N/M 24 -201 N/M

Applicable income taxes .................................................................................... 1,479 2,124 -30.4 712 1,116 -36.2

Extraordinary gains, net ..................................................................................... -4 0 N/M 0 0 0.0

Net income ..................................................................................................... 5,192 7,300 -28.9 2,531 3,801 -33.4

Net charge-offs ................................................................................................... 2,458 1,268 93.9 1,295 634 104.3

Cash dividends ................................................................................................... 2,108 3,357 -37.2 1,081 1,664 -35.1

Net operating income .................................................................................... 5,202 7,574 -31.3 2,518 3,966 -36.5

N/M - Not Meaningful

%Change 

22Q2-23Q2

First Half 

2023

First Half 

2022 %Change

2nd Quarter

2023

2nd Quarter

2022
Quarterly Banking Profile

Second Quarter 2023 All FDIC-Insured Savings Institutions

FIRST HALF

(The way it is...)

Number of institutions reporting ................................. 574 91 331 136 16 259 46 136 37 66 30

Total assets (in billions) ................................................ $1,273.7 $5.0 $131.4 $337.3 $800.0 $371.6 $51.5 $75.0 $58.4 $556.8 $160.4

Total deposits (in billions) ............................................ 1,018.8 3.7 105.7 265.0 644.4 295.9 37.5 52.3 49.2 454.8 129.1

Net income (in millions) ............................................... 5,191.9 18.9 764.2 1,325.2 3,083.6 1,408.9 114.9 599.4 451.7 1,204.9 1,412.2

% of unprofitable institutions ...................................... 10.6 27.5 8.8 5.2 0.0 8.1 15.2 14.0 8.1 13.6 6.7

% of institutions with earnings gains ........................... 50.5 45.1 53.8 47.8 37.5 52.9 52.2 48.5 46.0 48.5 46.7

Performance Ratios (annualized, %)

Yield on earning assets ................................................. 4.80 4.36 4.34 4.47 5.01 4.43 4.68 4.38 4.49 3.17 11.97

Cost of funding earning assets ..................................... 1.55 1.09 1.20 1.49 1.63 1.38 2.32 1.84 1.16 1.30 2.61

Net interest margin ....................................................... 3.25 3.26 3.14 2.98 3.38 3.05 2.36 2.55 3.34 1.88 9.36

Noninterest income to earning assets ......................... 0.86 5.10 3.19 0.96 0.43 0.76 0.71 5.27 0.70 0.47 0.62

Noninterest expense to earning assets ........................ 2.50 7.21 4.67 2.77 2.02 2.69 2.45 5.47 1.68 1.70 3.93

Credit loss provision to assets ...................................... 0.49 0.05 0.06 0.10 0.72 0.09 0.04 0.10 0.16 0.08 3.33

Net operating income to assets ................................... 0.81 0.78 1.17 0.78 0.77 0.74 0.44 1.65 1.60 0.43 1.82

Pretax return on assets ................................................. 1.04 0.99 1.49 1.01 0.98 0.99 0.56 2.07 2.08 0.52 2.37

Return on assets ............................................................ 0.81 0.75 1.17 0.80 0.76 0.76 0.44 1.65 1.58 0.42 1.79

Return on equity ........................................................... 10.68 4.02 9.75 7.69 13.36 7.20 4.24 13.89 21.89 10.45 16.74

Net charge-offs to loans and leases ............................. 0.76 0.05 0.04 0.12 1.43 0.07 0.00 0.09 0.30 0.36 3.29

Loan and lease loss provision to net charge-offs ........ 126.58 164.16 196.50 128.01 125.94 168.79 -27,926.19 138.46 125.07 91.87 128.05

Efficiency ratio .............................................................. 60.15 86.16 73.78 69.94 52.23 70.14 77.89 69.98 41.56 72.40 38.24

Condition Ratios (%)

Earning assets to total assets ....................................... 94.80 92.83 93.34 93.08 95.78 92.88 95.72 92.96 95.89 96.09 94.99

Loss allowance to:

Loans and leases ..................................................... 2.33 0.98 1.00 0.98 3.68 0.95 0.89 0.80 0.96 1.40 7.62

Noncurrent loans and leases .................................. 186.60 113.53 184.17 199.37 184.82 197.92 34.51 222.36 326.96 50.79 539.39

Noncurrent assets plus

other real estate owned to assets .......................... 0.65 0.59 0.41 0.36 0.82 0.37 1.88 0.29 0.14 0.70 1.13

Noncurrent RE loans to RE loans .................................. 1.33 0.88 0.53 0.45 2.94 0.45 3.24 0.37 0.27 4.68 0.48

Equity capital ratio ........................................................ 8.02 18.90 12.08 10.34 6.31 10.66 10.63 11.68 7.14 4.85 10.72

Core capital (leverage) ratio ......................................... 10.26 19.77 13.37 11.28 9.31 11.29 10.73 12.58 9.65 9.03 11.46

Common equity tier 1 capital ratio* ............................ 18.54 35.44 19.19 14.71 20.50 14.52 15.99 17.16 22.01 25.95 13.99

Tier 1 risk-based capital ratio* ..................................... 18.61 35.44 19.19 14.79 20.58 14.52 15.99 17.48 22.14 26.10 13.99

Total risk-based capital ratio* ...................................... 19.61 36.39 20.28 15.73 21.32 15.46 17.00 18.49 22.75 26.70 15.81

Gross real estate assets to gross assets ....................... 61.76 66.39 71.14 69.58 56.93 72.22 60.94 71.44 68.97 64.24 24.06

Gross 1-4 family mortgages to gross assets ................. 19.85 46.34 38.62 29.63 12.53 30.44 32.35 46.85 28.11 10.47 8.72

Net loans and leases to deposits .................................. 62.94 83.64 85.28 88.07 48.82 90.70 98.22 106.05 49.90 30.33 91.45

Structural Changes (YTD)

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

Thrifts absorbed by mergers .................................. 3 2 1 0 0 1 0 2 0 0 0

Failed thrifts ............................................................ 0 0 0 0 0 0 0 0 0 0 0

PRIOR FIRST HALVES

(The way it was...)

Number of institutions ........................................ 2022 592 99 343 134 16 272 46 140 38 65 31

 ................................ 2020 636 120 369 130 17 287 53 150 41 71 34

 ................................ 2018 708 152 422 121 13 324 56 170 48 74 36

Total assets (in billions) ...................................... 2022 $1,424.6 $5.6 $135.6 $346.0 $937.4 $436.6 $53.0 $93.8 $52.3 $631.3 $157.6

 ................................ 2020 1,297.2 6.9 142.3 334.8 813.1 404.9 111.6 109.2 35.3 491.3 144.9

 ................................ 2018 1,165.8 8.8 158.5 354.3 644.2 439.6 101.7 106.2 40.4 136.1 341.8

Return on assets (%) ........................................... 2022 1.02 1.04 1.12 0.77 1.10 0.64 1.05 1.84 0.93 0.79 2.60

 ................................ 2020 0.71 0.50 1.11 0.70 0.65 0.53 -0.31 1.48 1.04 0.80 1.05

 ................................ 2018 1.23 1.22 1.18 0.97 1.38 0.90 0.92 1.07 1.11 1.47 1.72

Net charge-offs to loans & leases (%) ................. 2022 0.38 0.04 0.03 0.04 0.70 0.02 -0.01 0.06 0.13 0.21 1.95

 ................................ 2020 0.79 0.03 0.08 0.08 1.49 0.06 0.03 0.10 0.18 0.69 3.89

 ................................ 2018 0.84 0.05 0.08 0.25 1.65 0.06 -0.06 0.64 0.24 0.79 3.82

Noncurrent assets plus

OREO to assets (%) ........................................ 2022 0.67 0.57 0.40 0.40 0.81 0.37 2.70 0.99 0.15 0.68 0.74

 ................................ 2020 1.07 0.82 0.62 0.57 1.36 0.48 3.09 0.88 0.28 1.21 1.04

 ................................ 2018 0.93 1.06 0.69 0.59 1.17 0.48 3.92 0.70 0.64 1.59 0.45

Equity capital ratio (%) ....................................... 2022 8.24 18.58 12.05 10.46 6.80 10.89 11.20 11.96 7.65 4.92 11.13

 ................................ 2020 10.00 17.65 13.17 11.54 8.75 11.76 9.62 11.19 11.54 8.04 10.79

 ................................ 2018 10.76 18.55 12.90 11.86 9.52 11.90 10.64 11.81 12.19 10.43 8.95

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

TABLE III-B. First Half 2023, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

Greater

Than

$10 Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco
All FDIC-Insured Savings Institutions

Quarterly Banking Profile

Second Quarter 2023

SECOND QUARTER

(The way it is...)

Number of institutions reporting ................................. 574 91 331 136 16 259 46 136 37 66 30

Total assets (in billions) ................................................ $1,273.7 $5.0 $131.4 $337.3 $800.0 $371.6 $51.5 $75.0 $58.4 $556.8 $160.4

Total deposits (in billions) ............................................ 1,018.8 3.7 105.7 265.0 644.4 295.9 37.5 52.3 49.2 454.8 129.1

Net income (in millions) ............................................... 2,531.3 8.5 373.7 644.2 1,504.9 678.7 25.1 288.9 241.5 582.8 714.4

% of unprofitable institutions ...................................... 12.7 30.8 11.2 5.2 6.3 10.0 23.9 16.9 8.1 12.1 6.7

% of institutions with earnings gains ........................... 45.6 42.9 47.4 44.1 37.5 47.5 39.1 49.3 43.2 39.4 40.0

Performance Ratios (%)

Yield on earning assets ................................................. 4.94 4.50 4.43 4.57 5.18 4.53 4.89 4.54 4.58 3.27 12.24

Cost of funding earning assets ..................................... 1.77 1.25 1.36 1.67 1.88 1.56 2.56 2.03 1.24 1.56 2.82

Net interest margin ....................................................... 3.17 3.25 3.08 2.90 3.30 2.97 2.33 2.51 3.34 1.71 9.42

Noninterest income to earning assets ......................... 0.87 5.08 3.23 1.00 0.42 0.78 0.49 5.30 0.78 0.50 0.56

Noninterest expense to earning assets ........................ 2.45 7.23 4.71 2.76 1.95 2.68 2.53 5.49 1.66 1.59 3.95

Credit loss provision to assets ...................................... 0.50 0.04 0.06 0.12 0.73 0.10 0.04 0.17 0.16 0.08 3.34

Net operating income to assets ................................... 0.79 0.73 1.12 0.74 0.75 0.69 0.20 1.58 1.68 0.42 1.81

Pretax return on assets ................................................. 1.01 0.91 1.45 0.98 0.96 0.94 0.24 1.98 2.19 0.50 2.37

Return on assets ............................................................ 0.79 0.68 1.14 0.77 0.74 0.73 0.19 1.57 1.67 0.41 1.79

Return on equity ........................................................... 10.16 3.61 9.44 7.40 12.52 6.87 1.84 13.26 22.81 9.44 16.72

Net charge-offs to loans and leases ............................. 0.80 0.07 0.04 0.13 1.49 0.08 0.00 0.11 0.28 0.40 3.41

Loan and lease loss provision to net charge-offs ........ 123.66 99.62 203.50 136.29 122.22 167.81 1,466.52 211.83 142.50 84.24 124.56

Efficiency ratio .............................................................. 60.18 86.72 74.66 70.53 51.58 71.14 87.63 70.25 40.07 71.87 38.42

Structural Changes

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

Thrifts absorbed by mergers .................................. 2 1 1 0 0 1 0 1 0 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 (%) ............................................ 2022 1.06 0.65 1.11 0.76 1.17 0.64 1.16 1.90 1.04 0.88 2.48

 ................................ 2020 0.81 0.52 1.33 1.05 0.62 0.78 0.59 1.72 1.42 0.67 0.68

 ................................ 2018 1.22 1.20 1.20 0.87 1.42 0.92 0.86 0.79 1.07 1.54 1.76

Net charge-offs to loans & leases (%) ................. 2022 0.38 0.04 0.03 0.04 0.69 0.02 -0.01 0.02 0.14 0.22 1.97

 ................................ 2020 0.75 0.05 0.08 0.10 1.41 0.06 0.04 0.01 0.16 0.63 3.86

 ................................ 2018 0.88 0.04 0.07 0.42 1.61 0.07 -0.11 1.07 0.26 0.78 3.80

TABLE IV-B. Second Quarter 2023, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

Greater

Than

$10 Billion New York Atlanta Chicago

Kansas

City Dallas

San

Francisco
Quarterly Banking Profile

Second Quarter 2023 All FDIC-Insured Savings Institutions

June 30, 2023

Percent of Loans 30-89 Days Past Due

All loans secured by real estate .................................... 0.72 1.59 0.37 0.15 1.62 0.19 0.84 0.24 0.32 2.93 0.19

Construction, development, and land ................... 0.22 0.65 0.62 0.15 0.08 0.15 0.14 0.15 0.70 0.53 0.17

Nonfarm nonresidential ......................................... 0.13 1.49 0.25 0.09 0.12 0.12 0.03 0.24 0.10 0.23 0.05

Multifamily residential real estate .......................... 0.09 0.16 0.16 0.03 0.18 0.07 0.01 0.04 0.00 0.09 0.27

Home equity loans .................................................. 0.35 1.70 0.50 0.30 0.31 0.39 0.11 0.28 0.29 0.59 0.10

Other 1-4 Family residential ................................... 1.18 1.71 0.41 0.22 2.49 0.26 1.37 0.28 0.36 3.79 0.25

Commercial and industrial loans ................................. 0.48 1.35 0.58 0.34 0.61 0.40 0.49 0.46 0.63 0.56 0.71

Loans to individuals ...................................................... 1.43 1.45 1.36 0.76 1.47 0.81 1.77 0.59 0.94 0.41 2.09

Credit card loans ..................................................... 1.90 0.00 0.86 2.15 1.90 1.73 1.27 1.14 4.05 0.65 2.13

Other loans to individuals ....................................... 0.52 1.45 1.36 0.57 0.46 0.79 1.78 0.40 0.40 0.30 1.52

Total loans and leases .................................................. 0.85 1.56 0.41 0.20 1.44 0.23 0.68 0.29 0.39 1.77 1.56

Percent of Loans Noncurrent*

All real estate loans ....................................................... 1.33 0.88 0.53 0.45 2.94 0.45 3.24 0.37 0.27 4.68 0.48

Construction, development, and land ................... 0.44 0.35 0.39 0.34 0.69 0.51 0.23 0.14 0.06 0.52 0.36

Nonfarm nonresidential ......................................... 0.50 0.48 0.59 0.39 0.65 0.47 1.97 0.59 0.22 0.22 0.19

Multifamily residential real estate .......................... 0.28 0.45 0.17 0.24 0.43 0.32 0.01 0.03 0.09 0.00 0.57

Home equity loans .................................................. 0.60 0.74 0.97 0.45 0.58 0.43 1.24 0.32 0.21 0.79 1.84

Other 1-4 Family residential ................................... 2.06 0.99 0.55 0.56 4.33 0.48 4.60 0.42 0.30 6.12 0.49

Commercial and industrial loans ................................. 0.75 0.66 0.83 0.85 0.62 0.79 1.01 0.72 0.45 0.51 0.96

Loans to individuals ...................................................... 1.22 0.96 0.39 0.36 1.29 0.41 0.67 0.27 0.50 0.43 1.77

Credit card loans ..................................................... 1.74 0.00 0.30 0.90 1.75 0.76 1.18 0.38 1.73 1.11 1.86

Other loans to individuals ....................................... 0.22 0.96 0.39 0.29 0.19 0.41 0.67 0.24 0.29 0.14 0.40

Total loans and leases .................................................. 1.25 0.87 0.54 0.49 1.99 0.48 2.57 0.36 0.29 2.75 1.41

Percent of Loans Charged-Off (net, annual)

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

Construction, development, and land ................... 0.00 -0.02 0.00 0.01 -0.02 0.00 -0.02 0.00 0.00 0.00 0.00

Nonfarm nonresidential ......................................... 0.00 -0.03 0.00 0.00 0.01 0.01 -0.01 -0.01 0.01 -0.02 0.00

Multifamily residential real estate .......................... 0.00 0.00 -0.03 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Home equity loans .................................................. -0.04 0.00 0.03 -0.02 -0.09 -0.02 0.00 -0.10 -0.21 -0.11 0.11

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

Commercial and industrial loans ................................. 0.60 0.81 0.12 0.53 0.79 0.40 0.17 0.36 0.11 0.34 2.18

Loans to individuals ...................................................... 3.06 0.36 1.11 1.38 3.21 0.94 0.06 0.76 3.39 0.95 4.51

Credit card loans ..................................................... 4.23 0.00 0.91 7.35 4.19 3.08 1.19 1.88 18.53 2.09 4.58

Other loans to individuals ............................................ 0.82 0.36 1.11 0.62 0.84 0.89 0.05 0.37 0.84 0.44 3.31

Total loans and leases .................................................. 0.76 0.05 0.04 0.12 1.43 0.07 0.00 0.09 0.30 0.36 3.29

Loans Outstanding (in billions)

All real estate loans ....................................................... $436.3 $2.9 $82.3 $199.1 $152.0 $233.9 $26.3 $48.0 $21.5 $75.5 $31.1

Construction, development, and land ................... 28.2 0.1 5.3 15.2 7.6 16.6 0.9 1.5 1.1 3.9 4.3

Nonfarm nonresidential .......................................... 99.7 0.2 18.7 51.5 29.3 69.5 5.6 4.2 2.8 11.1 6.5

Multifamily residential real estate .......................... 50.4 0.1 5.8 31.2 13.4 33.7 3.0 6.4 0.6 1.3 5.5

Home equity loans .................................................. 16.1 0.1 3.0 6.8 6.3 8.0 1.0 3.7 0.4 1.8 1.2

Other 1-4 Family residential ................................... 239.7 2.3 48.1 93.9 95.5 105.9 15.8 31.6 16.1 56.7 13.6

Commercial and industrial loans ................................. 44.7 0.1 4.8 21.2 18.5 25.3 1.3 1.9 0.8 9.9 5.7

Loans to individuals ...................................................... 153.3 0.1 2.8 8.6 141.9 7.8 0.4 2.3 2.2 50.5 90.2

Credit card loans ..................................................... 100.9 0.0 0.0 1.0 99.9 0.2 0.0 0.6 0.3 15.3 84.5

Other loans to individuals ....................................... 52.4 0.1 2.8 7.6 42.0 7.7 0.3 1.7 1.8 35.2 5.7

Total loans and leases .................................................. 656.7 3.2 91.0 235.8 326.7 271.1 37.2 55.9 24.8 139.9 127.9

Memo: Other Real Estate Owned (in millions)

All other real estate owned .......................................... $143.2 $2.3 $40.4 $62.2 $38.4 $74.5 $10.6 $14.0 $11.4 $17.6 $15.1

Construction, development, and land ................... 25.1 1.0 11.8 12.3 0.1 12.4 1.1 4.4 2.9 4.4 0.0

Nonfarm nonresidential ......................................... 56.0 0.4 13.5 34.5 7.7 34.8 3.2 3.2 6.0 8.1 0.7

Multifamily residential real estate .......................... 5.1 0.0 0.0 5.1 0.0 5.1 0.0 0.0 0.0 0.0 0.0

1-4 Family residential .............................................. 56.3 0.9 15.1 9.7 30.6 22.3 6.4 5.7 2.4 5.1 14.4

Troubled Real Estate Asset Rates**

(% of total RE assets)

All real estate loans ....................................................... 1.37 0.95 0.58 0.48 2.97 0.48 3.28 0.39 0.32 4.70 0.52

Construction, development, and land ................... 0.53 1.04 0.61 0.42 0.69 0.58 0.34 0.44 0.32 0.63 0.36

Nonfarm nonresidential ......................................... 0.56 0.56 0.65 0.46 0.67 0.52 2.03 0.65 0.39 0.29 0.20

Multifamily residential real estate .......................... 0.29 0.45 0.17 0.26 0.43 0.34 0.01 0.03 0.09 0.00 0.57

1-4 Family residential .............................................. 1.99 1.03 0.60 0.56 4.13 0.49 4.44 0.42 0.31 5.97 0.70

* 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.

Chicago

Kansas

City Dallas

San

Francisco

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

Asset Size Distribution Geographic Regions

All

Institutions

Less

Than

$100 Million

$100 Million

to

$1 Billion

$1 Billion

to

$10 Billion

Greater

Than

$10 Billion New York Atlanta