Dollar Amounts in Billions Other

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

FourthQuarter 2020 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <$1 Billion <$1 Billion >$1 Billion

Number of FDIC-Insured 5,001 4,374 627 11 5 1,163 2,667 290 36 276 486 67

Number of FDIC-Supervised 3,221 2,909 312 6 0 839 1,730 134 22 159 312 19

Total Assets $ 21,884 20,506 1,378 493 5,554 288 7,592 684 145 51 106 6,972

Total Loans $ 10,863 10,203 660 386 1,760 177 5,020 165 104 14 58 3,178

Domestic Deposits $ 16,290 15,150 1,139 335 2,951 243 6,235 602 123 42 90 5,669

Bank Net Income (QTR) $ 59.909 56.234 3.675 5.625 14.241 0.826 21.931 1.492 0.817 0.336 0.273 14.369

Percent Profitable (QTR) % 92.7 93.4 88.2 100.0 100.0 91.5 94.9 89.0 94.4 81.9 91.6 95.5

Average Return on Assets (QTR) % 1.11 1.11 1.09 4.49 1.05 1.16 1.17 0.91 2.34 2.66 1.05 0.84

Average Return on Equity (QTR) % 10.87 10.86 11.05 37.30 11.65 10.15 10.37 10.60 25.24 16.60 8.76 8.37

Net Interest Margin (QTR) % 2.68 2.66 2.97 9.74 2.02 3.38 3.09 1.72 3.04 2.36 3.16 2.26

Equity to Assets % 10.17 10.20 9.75 12.61 8.93 11.37 11.23 8.40 9.21 15.79 11.83 9.91

Noncurrent Loan Rate - Total Loans1 % 1.18 1.07 2.92 1.17 1.14 1.00 1.08 1.03 0.35 1.01 0.86 1.43

 Real Estate Loans % 1.65 1.43 3.92 0.64 1.90 1.03 1.31 1.11 0.41 1.23 0.91 2.49

 C&I Loans % 0.99 0.99 0.98 0.42 1.40 0.97 0.84 1.08 0.64 0.54 0.76 1.10

 Loans to Individuals % 0.86 0.85 1.04 1.24 0.85 0.45 0.81 0.15 0.33 0.51 0.57 0.75

Coverage Ratio2 % 184.10 201.88 83.21 838.76 254.94 147.94 141.01 81.22 499.26 158.01 149.16 142.29

Net Charge-Off Rate - All Loans (QTR) % 0.41 0.41 0.45 2.78 0.52 0.18 0.24 0.06 0.45 0.17 0.09 0.37

 Real Estate Loans (QTR) % 0.07 0.07 0.02 0.02 -0.02 0.09 0.07 0.00 0.03 0.07 0.04 0.12

 C&I Loans (QTR) % 0.47 0.48 0.29 1.95 0.56 0.45 0.43 0.69 1.44 0.09 0.28 0.42

 Loans to Individuals (QTR) % 1.52 1.48 2.09 2.87 1.86 0.47 0.82 0.32 0.52 0.52 0.39 1.09

Fourth Quarter 2019

Number of FDIC-Insured 5,177 4,518 659 12 5 1,291 2,733 393 58 210 428 47

Number of FDIC-Supervised 3,338 3,013 325 6 0 921 1,780 192 40 123 263 13

Total Assets $ 18,645 17,491 1,154 531 4,481 284 6,736 393 231 38 76 5,876

Total Loans $ 10,518 9,863 655 441 1,713 192 4,742 228 156 10 44 2,992

Domestic Deposits $ 13,220 12,299 921 353 2,200 236 5,279 305 192 30 64 4,560

Bank Net Income (QTR) $ 54.897 51.490 3.407 4.177 13.300 0.889 18.511 1.168 0.306 0.422 0.203 15.919

Percent Profitable (QTR) % 92.4 93.1 87.6 100.0 100.0 92.5 94.1 86.3 91.4 83.3 90.4 97.9

Average Return on Assets (QTR) % 1.19 1.19 1.19 3.17 1.18 1.27 1.13 1.20 0.54 4.48 1.07 1.09

Average Return on Equity (QTR) % 10.51 10.49 10.87 24.87 11.64 10.63 9.21 10.91 5.05 24.17 8.32 9.91

Net Interest Margin (QTR) % 3.28 3.25 3.72 10.78 2.76 3.79 3.39 2.73 4.05 2.75 3.64 2.83

Equity to Assets % 11.32 11.35 10.83 12.81 10.20 11.85 12.27 10.94 10.41 18.48 12.79 10.93

Noncurrent Loan Rate - Total Loans1 % 0.91 0.85 1.74 1.67 0.80 1.04 0.78 1.97 0.69 1.43 0.86 0.99

 Real Estate Loans % 1.12 1.04 1.98 0.98 1.22 1.01 0.80 2.15 1.43 1.52 0.93 1.69

 C&I Loans % 0.79 0.79 0.89 0.71 0.83 1.31 0.88 0.63 0.16 1.37 0.83 0.64

 Loans to Individuals % 1.02 0.98 1.52 1.77 0.95 0.51 0.80 0.45 0.52 1.33 0.52 0.78

Coverage Ratio2 % 129.89 135.91 85.56 267.58 178.96 134.56 117.99 30.78 154.90 105.59 144.26 101.42

Net Charge-Off Rate - All Loans (QTR) % 0.54 0.52 0.82 4.07 0.76 0.25 0.23 0.05 0.87 0.36 0.18 0.42

 Real Estate Loans (QTR) % 0.02 0.02 0.01 0.08 -0.01 0.10 0.03 -0.01 -0.05 0.07 0.07 0.01

 C&I Loans (QTR) % 0.43 0.42 0.71 2.39 0.51 0.75 0.42 0.43 0.16 1.53 0.41 0.28

 Loans to Individuals (QTR) % 2.41 2.31 3.53 4.25 2.74 0.81 1.27 1.28 1.21 0.72 0.68 1.87

1

Nonaccruing loans and loans past due 90+ days.

2

Loss reserve as a percentage of noncurrent loans.

 Statistics At A Glance

 As of December 31, 2020

Asset Concentration Group