Commercial Banks. Balance Sheet Q

Size: px

Start display at page:

Download "Commercial Banks. Balance Sheet Q"

Job Potter
5 years ago
Views:

Balance Sheet Q1-2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 Cash & Interest Bearing Placements $ 10,275,699 $ 8,545,400 $ 5,375,280 $ 4,516,797 $ 4,896,021 $ 3,995,910

1 Balance Sheet Q Cash & Interest Bearing Placements $ 10,275,699 $ 8,545,400 $ 5,375,280 $ 4,516,797 $ 4,896,021 $ 3,995,910 $ 4,292,417 $ 3,964,276 $ 2,952,600 $ 3,844,099 $ 3,089,027 $ 2,445,639 $ 2,785,653 $ 3,247,801 $ 3,432,108 Securities 12,695,606 11,693,367 8,804,789 $ 7,066,104 5,604,643 5,940,378 7,087,148 9,833,215 13,015,073 19,233,843 22,927,003 26,484,071 26,838,188 36,437,410 38,275,058 Loans & Leases: Real Estate 22,276,422 22,796,268 22,673,142 23,643,960 26,977,187 27,475,287 31,209,120 30,068,785 33,147,510 39,207,456 39,890,954 37,949,537 34,609,689 31,621,502 30,103,377 Commercial,industrial & Agricultural 3,796,103 3,921,745 4,708,253 5,429,223 7,340,813 9,279,520 8,887,560 11,464,405 10,173,074 11,669,448 12,653,556 13,426,507 15,805,109 13,663,002 13,536,051 Individuals 5,470,101 5,488,346 5,560,029 5,928,107 6,393,983 6,479,393 6,434,144 5,583,146 5,698,070 6,308,810 6,904,607 7,111,391 7,269,146 6,957,220 6,046,339 Leases 320, , , , , , , , , , , , , , ,512 Other Loans 2,085,952 2,100,106 2,143,468 2,243, ,174 1,289,769 1,597,200 1,666,810 1,757,189 2,193,305 2,773,375 3,300,111 2,032,796 4,805, ,471 Total Loans & Leases $ 33,948,620 $ 34,618,856 $ 35,375,113 $ 37,541,031 $ 41,810,160 $ 44,865,325 $ 48,474,536 $ 49,161,382 $ 51,232,711 $ 59,682,818 $ 62,664,983 $ 62,407,204 $ 60,378,548 $ 57,838,807 $ 50,697,750 Less: Unearned Income on Loans , ,271 1,756 5,260 5,330 11,435 15,325 20,544 (2,010) (1,834) 1,056 Loans & Leases, net of unearned income $ 33,947,818 $ 34,617,966 $ 35,373,933 $ 37,540,045 $ 41,809,239 $ 44,864,054 $ 48,472,780 $ 49,156,122 $ 51,227,381 $ 59,671,383 $ 62,649,658 $ 62,386,660 $ 60,380,558 $ 57,840,641 $ 50,696,694 Less: Allowances for loan and lease losses 1,250,060 1,224,040 1,081,718 1,215,603 1,336,491 1,109,044 1,326,693 1,401,986 1,322,489 1,811,767 1,374, , , , ,520 Total Loans and Leases, net of unearned income, reserve and allowances 32,697,758 33,393,926 $ 34,292,215 $ 36,324,442 $ 40,472,748 $ 43,755,010 $ 47,146,087 $ 47,754,136 $ 49,904,892 $ 57,859,616 $ 61,275,612 $ 61,393,705 $ 59,610,640 $ 57,189,722 $ 50,077,174 Other assets 8,227,911 8,331,425 8,426,328 8,612,076 9,409,698 9,907,498 9,603,085 9,237,012 9,601,187 8,693,326 8,606,718 8,257,487 6,715,938 4,603,938 3,702,813 Total Assets $ 63,896,974 $ 61,964,118 $ 56,898,612 $ 56,519,419 $ 60,383,110 $ 63,598,796 $ 68,128,737 $ 70,788,639 $ 75,473,752 $ 89,630,884 $ 95,898,360 $ 98,580,902 $ 95,950,419 $ 101,478,871 $ 95,487,153 Deposits 51,619,095 49,600,205 45,112,759 44,067,639 46,024,888 48,013,553 49,059,662 48,254,099 48,418,546 59,997,270 64,635,154 61,308,457 57,097,532 55,499,314 46,752,125 Short Term Debt 229, , ,323 1,032,562 1,632,182 1,739,144 3,479,173 5,434,147 7,376,175 8,875,010 8,892,747 15,113,117 15,458,218 19,723,415 25,047,075 Long Term Debt 1,595,968 1,962,434 1,093,526 1,509,226 2,104,520 4,254,599 5,865,485 7,025,589 9,815,125 10,901,533 12,738,992 10,662,895 11,308,710 15,393,985 12,823,748 Other Liabilities 2,728,878 2,361,658 2,330,640 2,106,908 2,379,986 2,048,492 2,477,261 2,872,228 3,094,379 2,909,245 3,018,228 4,617,345 5,551,432 4,148,224 4,684,546 Total Liabilities $ 56,173,142 $ 54,176,828 $ 49,133,248 $ 48,716,335 $ 52,141,576 $ 56,055,788 $ 60,881,581 $ 63,586,063 $ 68,704,225 $ 82,683,058 $ 89,285,121 $ 91,701,814 $ 89,415,892 $ 94,764,938 $ 89,307,494 Preferred stock 311, , , , , , , , , , , , , , ,240 Common stock 563, , , , , , , , , ,446 1,574,196 1,574, , , ,772 Surplus 3,946,875 3,944,284 3,922,029 3,904,084 5,014,506 5,224,027 4,898,438 5,005,001 4,567,923 4,158,417 3,250,665 3,057,049 2,672,160 2,600,476 2,179,871 Undivided profits 2,902,293 2,969,078 2,970,996 2,952,591 2,261,501 1,355,374 1,385,780 1,069,207 1,063,949 1,545,723 1,340,138 2,639,857 2,681,901 2,954,332 3,061,776 Total Capital 7,723,832 7,787,290 $ 7,765,364 $ 7,803,084 $ 8,241,534 $ 7,543,008 $ 7,247,156 $ 7,202,576 $ 6,769,527 $ 6,947,826 $ 6,613,239 $ 6,879,088 $ 6,534,527 $ 6,713,933 $ 6,179,659 Total Liabilities and Capital $ 63,896,974 $ 61,964,118 $ 56,898,612 $ 56,519,419 $ 60,383,110 $ 63,598,796 $ 68,128,737 $ 70,788,639 $ 75,473,752 $ 89,630,884 $ 95,898,360 $ 98,580,902 $ 95,950,419 $ 101,478,871 $ 95,487,153

($,000) ($,000) $120,000,000 Total Assets $100,000,000 $80,000,000 $95,487,153 $101,478,871 $6,179,659 $95,950,419 $98,580,902 $95,898,360 $89,630,884 $6,879,088 $6,713,933 $6,947,826 $6,534,527

2 ($,000) ($,000) $120,000,000 Total Assets $100,000,000 $80,000,000 $95,487,153 $101,478,871 $6,179,659 $95,950,419 $98,580,902 $95,898,360 $89,630,884 $6,879,088 $6,713,933 $6,947,826 $6,534,527 $6,613,239 Total Assets /Total Capital $6,769,527 $75,473,752 $7,202,576 $6,969,652 $7,543,008 $8,241,534 $7,765,364 $7,787,290 $7,803,084 Total Capital $9,000,000 $8,000,000 $7,723,832 $7,000,000 $6,000,000 $60,000,000 44% 39% 31% 29% 27% 26% 21% $70,788,642 $66,867,595 $63,598,796 $61,964,118 $60,383,110 20% 15% 16% 17% $56,519,419 $56,898,612 $63,896,974 $5,000,000 $4,000,000 20% 25% 33% 36% $40,000,000 52% 56% 62% 62% 64% 65% 66% 67% 70% 69% 67% 64% 60% 54% 51% $3,000,000 $2,000,000 $20,000,000 $1,000,000 $- 4% 5% 7% 8% 9% 10% 13% 13% 14% 15% 16% 15% 15% 13% 13% Q Other Assets Total Loans Current Assets $-

3 1. Interest Income: a. Interest and fee income on loans 1. In domestic offices: (a). Loans secured by real estate: Income Statement Amounts in thousands of $ Q Q (1) Loans secured by 1-4 family residential properties $ 169,857 $ 720,139 $ 769,713 $ 811,751 (2) All other loans secured by real estate 129, , , ,104 (3) Total loans secured by real estate 299,757 1,243,913 1,310,278 1,371,855 (b). Loans to finance agricultural production and other loans to farmers 510 2,513 1,347 3,648 (c). Commercial and industrial loans 45, , , ,289 (d). Loans to individuals for household, family, and other personal expenditures: (1) Credit cards 52, , , ,328 (2) Other consumer loans (Includes other revolving credit plans 90, , , ,421 other than credit cards, automobile loans and other consumer loans) (e). Loans to foreign governments and official institutions (f). All other loans in domestic offices 22,352 81,765 81, , Total interest and fee income on loans 511,979 2,116,124 2,205,679 2,366,734 b. Income from lease financing receivables. 5,254 20,021 21,058 26,458 c. Interest income on balances due from depository institutions 39,300 95,784 39,739 17,817 d. Interest and dividend income on securities 1. U.S. Treasury securities and U.S. Government agency obligations 25,566 51,525 26,289 18, Mortgage-backed securities 34, , , , All other securities 5,255 20,014 10,463 13, Total interest and dividend income on securities 65, , , ,913 e. Interest income from trading assets 0 3,000 4,049 9,051 f. Interest income on federal funds sold and securities purchased under agreement to resell 0 0 1, g. Other interest income 2,730 7,456 4,453 2,902 h. Total interest income $ 624,786 $ 2,447,917 $ 2,427,622 $ 2,552, Interest Expense: a. Interest on deposits 1. Interest on deposits in domestic offices: (a) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) $ 38,175 $ 33,837 $ 30,338 (b) Nontransaction accounts , , ,183 (c) Total interest on deposits 57, , , ,521 b. Expense of federal funds purchased and securities sold under agreement to repurchase 1,586 7,117 18,199 31,071 c. Interest on trading liabilities and other borrowed money 5,339 20,978 20,413 25,261 d. Interest on subordinated notes and debentures 0 0 1,551 2,301 e. Total interest expense 64, , , , Net interest income $ 560,117 $ 2,199,806 $ 2,166,669 $ 2,274, Provision for loan and lease losses 101, , , , Non-interest income 131, , , , Realized gains and (losses) a. Realized gains (losses) on held to maturity securities (2,500) b. Realized gains (losses) on available for sale securities 0 (16,163) 8,179 (27,807) 7. Non-interest expense a. Salaries and employee benefits 1. Salaries 127, , , , Employee benefits 37, , , , Total Salaries and employee benefits 164, , , ,113 b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest) 47, , , ,718 c. Goodwill impairments and amortizations of other intangible assets (1) Goodwill impairment losses 0 82, ,285 33,893 (2) Amortization expense and impairment losses for other intangible assets 3,097 13,278 13,658 14,173 d. Other non-interest expenses 217, , ,776 1,005,095 e. Total non-interest expense 433,066 1,779,451 1,939,060 1,888, Income (loss) before income taxes and extraordinary items and other adjustments 156, , , , Applicable income taxes 37,409 69,737 57, , Income (loss) before extraordinary items and other adjustments 119, , , , Extraordinary items and other adjustments, Net of income taxes Net income (Loss) attributable to bank and noncontrolling (minority) interest 119, , , , Less: Net income (loss) attributable to noncontrolling (minority) interests NET INCOME (LOSS) ATTRIBUTABLE TO BANK $ 119,367 $ 257,136 $ 193,249 $ 269,852

Income Statement December 31 Amounts in thousands of $ 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 Interest Income: Interest and fees on loans $ 2,712,603 $ 2,822,764 $ 2,484,374 $

4 Income Statement December 31 Amounts in thousands of $ Interest Income: Interest and fees on loans $ 2,712,603 $ 2,822,764 $ 2,484,374 $ 2,878,011 $ 2,809,770 $ 3,312,341 $ 3,980,644 $ 4,559,932 $ 4,253,783 $ 3,210,597 $ 2,631,522 Interest on money market investments 9,803 10,628 8,647 8,124 7,846 10,319 34, , , ,658 36,245 Investments 156, , , , , ,563 1,053,628 1,231,444 1,355,760 1,512,128 1,319,842 Income from lease financing receivables 35,640 41,317 38,213 38,967 28,049 29,307 40,171 52,300 57,315 55,215 53,597 Other interest income 7,869 8,207 14,823 16,680 20,923 34,041 40,132 30,274 23, ,852 8,070 Total Interest Income $ 2,922,585 $ 3,047,161 $ 2,785,931 $ 3,327,784 $ 3,393,488 $ 4,227,571 $ 5,148,664 $ 5,993,181 $ 5,821,205 $ 5,114,450 $ 4,049,276 Interest Expense: On Deposits 262, , , , ,784 1,503,450 2,074,119 2,405,665 2,198,210 1,409, ,196 On Borrowings 94, , , , , , ,961 1,328,031 1,402,333 1,270, ,696 Total Interest Expense $ 356,348 $ 457,709 $ 590,631 $ 942,838 $ 1,188,977 $ 2,130,935 $ 3,019,080 $ 3,733,696 $ 3,600,543 $ 2,679,989 $ 1,696,892 Net Interest Income $ 2,566,237 $ 2,589,452 $ 2,195,300 $ 2,384,946 $ 2,204,511 $ 2,096,636 $ 2,129,584 $ 2,259,485 $ 2,220,662 $ 2,434,461 $ 2,352,384 Provision for Loans Losses 751,685 1,032, , ,197 1,457,034 1,622,889 1,014, , , , ,437 Net Interest Income after Provision for Loan Losses $ 1,814,552 $ 1,556,650 $ 1,533,631 $ 1,489,749 $ 747,477 $ 473,747 $ 1,115,488 $ 1,524,371 $ 1,852,130 $ 2,203,173 $ 2,100,947 Other Income 446, , , , ,015 1,045, , , , , ,334 Operating Expenses 1,971,715 2,042,948 1,858,286 1,850,862 1,878,306 2,140,223 1,923,449 1,835,875 1,707,724 1,605,246 1,487,701 Net Income before Income Taxes $ 289,161 $ (181,067) $ 133,978 $ 352,396 $ (652,814) $ (621,103) $ 190,391 $ 531,154 $ 781,179 $ 1,261,032 $ 1,356,580 Income Taxes (244,433) (250,258) (110,700) 156,518 94,227 (52,655) 9, , , , ,715 Net Income before extraordinary items and other adjustments $ 533,594 $ 69,191 $ 244,678 $ 195,878 $ (747,041) $ (568,448) $ 181,388 $ 402,557 $ 589,852 $ 1,046,475 $ 1,171,865 Extraordinary items and other adjustments ,419 Net Income $ 533,594 $ 69,191 $ 244,678 $ 195,878 $ (747,041) $ (568,448) $ 181,388 $ 402,557 $ 589,852 $ 1,046,475 $ 1,176,284

5 ($000) Net Income $1,500,000 $1,176,284 $1,046,475 $1,000,000 $589,852 $533,594 $500,000 $402,557 $181,388 $195,877 $234,876 $69,191 $269,852 $193,249 $257,136 $119,367 $0 -$500,000 ($568,448) ($747,041) -$1,000, Q1-2018

6 Schedule RC-E Deposit Liabilities: Deposits ($,000) Q December 31 Part I. Deposits in Domestic Offices (A) Total Transaction Accts (incl. Demand Deposits): Deposits of: 1. Individuals, partnerships and corporations $ 18,485,615 $ 18,045,582 $ 16,320,371 $ 15,824,351 $ 15,627,471 $ 16,089,257 $ 16,346,571 $ 14,770,716 $ 12,442,084 $ 12,617,163 $ 10,727,943 $ 11,154,556 $ 11,017,860 $ 10,642,648 $ 11,114, U.S. Government 33,966 35,662 41,401 45,561 55,818 52,562 72,164 93,498 44,926 32,516 45,163 44,315 52,277 72,538 64, States and political subdivisions in the U.S. 6,591,680 6,319,731 3,371,607 1,635,553 1,774,879 1,831,419 1,624,177 1,644,131 1,469,826 1,412,974 1,380,378 1,443,851 1,476,245 1,182,951 1,286, Comm'l banks and other depository inst. in the U.S. 426, , , , , , , , , , , , , , , Banks in foreign countries 1,838 11,837 12,828 7,875 7,858 3,000 1, ,000 1,000 1,326 4,326 4,362 2,300 2, Foreign governments and official institutions Total $ 25,540,006 $ 24,854,138 $ 20,096,719 $ 17,952,981 $ 17,877,582 $ 18,325,872 $ 18,323,305 $ 16,747,048 $ 14,162,387 $ 14,264,126 $ 12,292,046 $ 12,787,436 $ 12,670,129 $ 12,016,661 $ 12,612,934 ( B ) Memo - Total Demand Deposits incl. Above: 17,646,048 17,512,484 12,941,964 11,234,933 9,842,574 10,687,684 11,139,542 9,966,079 8,712,701 8,817,307 7,960,768 8,406,543 8,909,799 8,037,137 8,312,364 ( C ) Total Nontransaction Accts. (incl. MMDAs): Deposits of: 1. Individuals, partnerships and corporations $ 22,920,719 $ 22,268,410 $ 22,339,511 $ 23,123,604 $ 25,996,742 $ 26,592,134 $ 28,112,148 $ 28,412,626 $ 31,779,342 $ 42,919,286 $ 49,569,009 $ 45,816,431 $ 42,271,717 $ 41,108,016 $ 31,350, U.S. Government 60,727 58,564 62,757 73,524 73, , ,245 94,549 55,784 60,910 68,404 57,404 67,789 46,404 53, States and political subdivisions in the U.S. 1,965,492 1,368,839 1,394,966 1,454,925 1,006,910 1,469,579 1,029,883 1,775,540 1,339,888 1,128,201 1,101,366 1,294,536 1,077,028 1,147,284 1,241, Comm'l banks and other depository insts. In the U.S. 1,132,151 1,050,255 1,218,808 1,462,605 1,069,727 1,523,883 1,493,081 1,224,336 1,081,145 1,025,431 1,002, , , , , Banks in foreign countries , , , , , , Foreign governments and official institutions Total $ 26,079,089 $ 24,746,068 $ 25,016,042 $ 26,114,658 $ 28,147,306 $ 29,687,680 $ 30,736,357 $ 31,507,051 $ 34,256,159 $ 45,733,144 $ 52,343,108 $ 48,521,021 $ 44,427,403 $ 43,482,653 $ 34,139,291 Total Deposits $ 51,619,095 $ 49,600,206 $ 45,112,761 $ 44,067,639 $ 46,024,888 $ 48,013,552 $ 49,059,662 $ 48,254,099 $ 48,418,546 $ 59,997,270 $ 64,635,154 $ 61,308,457 $ 57,097,532 $ 55,499,314 $ 46,752,225

$12,612,934 $12,016,661 $12,670,129 $12,787,436 $12,292,046 $14,264,126 $14,162,387 $16,704,930 $18,335,819 $18,325,872 $17,877,582 $17,952,981 $20,096,719 $24,854,138 $25,540,006 $34,139,291

7 $12,612,934 $12,016,661 $12,670,129 $12,787,436 $12,292,046 $14,264,126 $14,162,387 $16,704,930 $18,335,819 $18,325,872 $17,877,582 $17,952,981 $20,096,719 $24,854,138 $25,540,006 $34,139,291 $43,482,653 $44,427,403 $34,256,159 $31,509,243 $48,521,021 $52,343,108 $45,733,144 $30,730,120 $29,687,680 $28,147,306 $26,114,658 $25,016,042 $24,746,068 $26,079,089 ($,000) $70,000,000 Total Deposit $64,635,154 $60,000,000 $55,499,314 $57,097,532 $61,308,457 $59,997,270 $51,619,095 $50,000,000 $46,752,225 $48,418,546 $48,214,173 $49,065,939 $48,013,552 $46,024,888 $44,067,639 $45,112,761 $49,600,206 $40,000,000 $30,000,000 $20,000,000 $10,000,000 $ Q Transaction Accounts(DDA) Non-Transaction Accounts

8 Loans & Leases December 31 Amounts in thousands of $000 Q Loans Secured by Real Estate: Construction and land development $ 208,203 $ 213,359 $ 203,715 $ 246,911 $558,033 $724,981 $ 1,415,986 $ 2,034,296 $ 2,873,867 $ 5,432,622 $ 6,209,234 $ 6,152,255 $ 5,103,066 $ 4,178,012 $ 2,915,251 Secured by farmland 86,935 86, , , , , , , , , , , , ,535 85,235 Secured by family residential property: Insured by FHA 1,835,018 2,071,167 1,290,175 1,151,914 1,415,698 1,395,073 1,364,831 1,126,902 1,179, , , , , , ,749 Guaranteed by VA 76,134 70,338 65,594 61,017 79,678 69,459 48,731 37,545 40,276 36,024 30,857 18,379 26,330 23,195 18,623 Conventional 10,786,021 10,906,292 11,444,947 11,658,729 13,014,316 13,387,626 15,189,486 13,431,749 14,117,742 15,240,053 15,067,436 14,179,404 13,805,915 11,870,992 15,139,900 Others 843, , ,468 1,518,583 2,027,050 1,980,258 1,847,003 1,346,959 1,997,962 1,868,033 2,070,582 1,950,961 2,037,872 2,704,355 2,664,842 Total Secured by family residential property $ 13,540,275 $ 13,878,181 $ 13,656,184 $ 14,390,243 $ 16,536,742 $ 16,832,416 $ 18,450,051 $ 15,943,155 $ 17,335,964 $ 18,076,290 $ 17,994,614 $ 16,604,188 $ 16,084,801 $ 14,812,794 $ 18,101,114 Secured by nonfarm nonresidential properties 8,441,009 8,620,229 8,708,104 8,883,792 9,752,269 9,779,360 11,173,933 11,898,292 12,699,409 15,452,580 15,531,826 15,022,656 13,249,489 12,471,161 9,001,777 Total Loans Secured by Real Estate $ 22,276,422 $ 22,798,419 $ 22,673,142 $ 23,643,960 $ 26,977,187 $ 27,475,287 $ 31,209,120 $ 30,068,785 $ 33,147,510 $ 39,207,456 $ 39,890,954 $ 37,949,537 $ 34,609,689 $ 31,621,502 $ 30,103,377 Commercial, Industrial and Agricultural Loans: Loans to depository institutions: To commercial banks ,610 9,484 11,262 13,699 16,406 32,146 36, , , , ,370 To other depository institutions 1,144 5,155 3,694 3,738 2,773 1,509 4,000 1,156 3,273 2,505 3,927 6,326 5,539 11, ,153 To banks in foreign countries Total Loans to depository institutions $ 1,144 $ 5,155 $ 3,694 $ 3,738 $ 17,383 $ 10,993 $ 15,262 $ 14,855 $ 19,679 $ 34,651 $ 39,934 $ 177,064 $ 181,789 $ 214,417 $ 1,249,523 Loans to finance agricultural production and other loans to farmers 15,371 15,412 16,923 29,489 56,272 48,504 61,497 65,027 73, , , , , , ,505 Loans to foreign government and official institutions 0 40, Obligations (other than securities and leases) of states and political subdivisions in the US 701, ,342 1,225,816 1,541,197 2,279,984 2,985,396 2,476,179 2,487,770 1,797,005 1,793,750 1,561,125 1,649,026 1,312, , ,929 Other commercial and industrial loans 3,077,659 3,155,685 3,461,820 3,854,799 4,987,174 6,234,627 6,334,622 8,896,753 8,280,515 9,707,850 10,774,253 11,253,185 13,979,604 12,643,250 11,672,062 Total Commercial, Agricultural and Industrial Loans $ 3,796,103 $ 3,919,594 $ 4,708,253 $ 5,429,223 $ 7,340,813 $ 9,279,520 $ 8,887,560 $ 11,464,405 $ 10,171,074 $ 11,669,448 $ 12,653,556 $ 13,426,507 $ 15,805,109 $ 13,663,002 $ 13,536,051 Loans to Individuals: Auto Loans 2,047,749 1,993,733 1,985,821 2,194,782 2,433,794 2,542,665 2,438,390 2,217,724 2,259,018 2,351,381 2,506,523 2,455,528 2,636,613 2,597,790 2,179,158 Credit cards and related plans 1,596,861 1,655,886 1,688,145 1,751,033 1,794,840 1,838,057 1,886,562 1,586,471 1,518,541 1,623,645 1,672,031 1,623,280 1,478,042 1,387,970 1,172,630 Other 1,825,491 1,838,727 1,886,063 1,982,292 2,165,349 2,098,671 2,109,192 1,778,951 1,920,511 2,333,784 2,726,053 3,032,583 3,154,491 2,971,460 2,694,551 Total Loans to Individuals $ 5,470,101 $ 5,488,346 $ 5,560,029 $ 5,928,107 $ 6,393,983 $ 6,479,393 $ 6,434,144 $ 5,583,146 $ 5,698,070 $ 6,308,810 $ 6,904,607 $ 7,111,391 $ 7,269,146 $ 6,957,220 $ 6,046,339 Other Loans: Overdrafts 3,677 3,466 2,279 30,383 3,727 8,899 40,240 55,985 76,229 25,582 60,875 45,195 97,618 66,415 87,989 All Other 2,082,275 2,096,640 2,141,189 2,213, ,447 1,280,870 1,556,960 1,610,825 1,680,960 2,167,723 2,712,500 3,254,916 1,935,178 4,739, ,482 Total Other Loans $ 2,085,952 $ 2,100,106 $ 2,143,468 $ 2,243,879 $ 785,174 $ 1,289,769 $ 1,597,200 $ 1,666,810 $ 1,757,189 $ 2,193,305 $ 2,773,375 $ 3,300,111 $ 2,032,796 $ 4,805,917 $ 316,471 Lease Financing Receivables, Net 320, , , , , , , , , , , , , , ,512 Total Loans & Leases $ 33,948,620 $ 34,618,856 $ 35,375,113 $ 37,541,031 $ 41,810,160 $ 44,865,325 $ 48,474,536 $ 49,161,382 $ 51,232,711 $ 59,682,818 $ 62,664,983 $ 62,407,204 $ 60,378,548 $ 57,838,807 $ 50,697,750 Less: Unearned Income , ,271 1,756 5,260 5,330 11,435 15,325 20,544 (2,010) (1,834) 1,056 Total Loans & Leases $ 33,947,818 $ 34,617,966 $ 35,373,933 $ 37,540,045 $ 41,809,239 $ 44,864,054 $ 48,472,780 $ 49,156,122 $ 51,227,381 $ 59,671,383 $ 62,649,658 $ 62,386,660 $ 60,380,558 $ 57,840,641 $ 50,696,694

($,000) $50,697,750 $46,752,225 $57,838,807 $55,499,314 $60,378,548 $57,097,532 $62,407,204 $61,308,457 $62,664,983 $64,635,154 $59,682,818 $59,997,270 $51,232,711 $48,418,546 $49,165,147 $48,214,173

9 ($,000) $50,697,750 $46,752,225 $57,838,807 $55,499,314 $60,378,548 $57,097,532 $62,407,204 $61,308,457 $62,664,983 $64,635,154 $59,682,818 $59,997,270 $51,232,711 $48,418,546 $49,165,147 $48,214,173 $48,436,366 $49,065,939 $44,865,325 $48,013,552 $41,810,160 $46,024,888 $37,541,031 $44,067,639 $35,375,113 $45,112,761 $34,618,856 $49,600,206 $33,948,620 $51,619,095 $70,000,000 Loan to Deposit Ratio 120% $60,000, % 104% 106% 102% 97% 99% 106% 102% 99% 93% 91% 100% $50,000,000 85% 78% 80% $40,000,000 70% 66% 60% $30,000,000 40% $20,000,000 $10,000,000 20% $ Q %

Domestic Commercial Banks Balance Sheet December 31 Amounts in thousands of $ Q

Domestic Commercial Banks Balance Sheet December 31 Q3-2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 Assets: Cash & Interest Bearing Placements 8,664,323 5,313,096 4,455,078 $ 4,756,981