Bank Holding Company Performance Report September 30, 2020 ...

09/2020

RSSD Number:

Federal Reserve District: Consolidated Assets ($000): Peer Group Number: Number in Peer Group: Number of Bank Subsidiaries:

Bank Holding Company Information

BHC Name

1 Consolidated assets equal to or greater than $10 billionConsolidated assets between $3 billion and $10 billionConsolidated assets between $1 billion and $3 billionConsolidated assets between $500 million and $1 billionConsolidated assets less than $500 million (starting March 2006 includes former peer group 6)Consolidated assets less than $300 million (valid only prior to March 2006.Starting March 2003 includes former peer group 7)Consolidated assets less than $150 million (valid only prior to March 2003)Atypical and second-tier holding companies

2 3 4 5

6

7 9

Peer Group DescriptionNumber

Mailing Address:

City/StateTable of ContentsSection Page Number

Summary Ratios .............................................................................................

Consolidated Information:Income Statement - Revenues and Expenses.......................................................Relative Income Statement and Margin Analysis ...................................................Non-Interest Income and Expenses ....................................................................Assets ..........................................................................................................Liabilities and Changes in Capital .......................................................................Percent Composition of Assets ..........................................................................Loan Mix and Analysis of Concentrations of Credit................................................Liquidity and Funding.......................................................................................Derivatives and Off-Balance-Sheet Transactions ...................................................Derivative Instruments ....................................................................................Derivatives Analysis .......................................................................................Allowance and Net Loan and Lease Losses ........................................................Past Due and Nonaccrual Assets ......................................................................Past Due and Nonaccrual Loans and Leases.....................................................Past Due and Nonaccrual Loans and Leases—Continued ....................................Regulatory Capital Components and Ratios ..........................................................Insurance and Broker-Dealer Activities ...............................................................Foreign Activities ...........................................................................................Servicing, Securitization and Asset Sale Activities–Part 1.......................................Servicing, Securitization and Asset Sale Activities–Part 2.......................................Servicing, Securitization and Asset Sale Activities–Part 3.......................................

1516171819

20212223

Parent Company Information:Parent Company Income Statement ..................................................................Parent Company Balance Sheet .......................................................................Parent Company Analysis–Part 1 ......................................................................Parent Company Analysis–Part 2 ......................................................................

2 34567

7A 89

10111213

13A13B

14

1

Public versions of individual BHC reports are available on the FFIEC web site: https://www.ffiec.gov/npw.

Bank Holding Company Performance Report September 30, 2020—FR BHCPR

Board of Governors of the Federal Reserve System

construed as a rating of any institution by the Federal Reserve System. Users are cautioned that any conclusions drawn from this report are their own and are not to be attributed to the Federal Reserve System. In this report, all references to "bank holding company(ies)" are inclusive of "savings and loan holding company(ies)" unless otherwise noted. Questions regarding the contents of this report should be directed to the nearest Federal Reserve Bank.

This report, which is prepared by the Federal Reserve Board's Division of Supervision and Regulation, is used by the Federal Reserve System in carrying out its supervisory responsibilities. All information contained herein was obtained from sources deemed reliable. However, no guarantee is given as to the accuracy of the data or of the calculations derived there from. The data and calculations in this report do not indicate approval or disapproval of any particular institution's performance and are not to be

FR BHCPR 3212091

2 142

NEW YORK PRIVATE BANK & TRUST CORPORATION

26,429,563

2

NEW YORK PRIVATE BANK & TRUST CORPORATION5 EAST 42ND STREET

NEW YORK, NY 10017

NEW YORK, NY

09/2020

BHC Name City/State

Summary Ratios

Average assets ($000) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net income ($000) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Number of BHCs in peer group . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctEarnings and Profitability: Percent of Average AssetsNet interest income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .+ Non-interest income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .– Overhead expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .– Provision for credit losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .+ Securities gains (losses) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .+ Other tax equivalent adjustments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .= Pretax net operating income (tax equivalent). . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net operating income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net income (Subchapter S adjusted) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent of Average Earning AssetsInterest income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net interest income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Losses, Allowance, and Past Due + NonaccrualNet loan and lease losses / Average loans and leases . . . . . . . . . . . . . . . . . . . . . .Earnings coverage of net loan and lease losses (X). . . . . . . . . . . . . . . . . . . . . . . . .Allowance for loan and lease losses / Total loans and leases not held-for-sale. . .Allowance for loan and lease losses / Total loans and leases . . . . . . . . . . . . . . .Nonaccrual loans and leases + OREO / Total loans and leases + OREO . . .30–89 days past due loans and leases / Total loans and leases . . . . . . . . . . . .

Liquidity and FundingNet noncore funding dependence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net short-term noncore funding dependence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net loans and leases / Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

CapitalizationTier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Holding company equity capital / Total assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total equity capital (including minority interest) / Total assets . . . . . . . . . . . . . . .Common equity tier 1 capital / Total risk-weighted assets . . . . . . . . . . . . . . . . . . .Net loans and leases / Equity capital (X) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Cash dividends / Net income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Cash dividends / Net income (Subchapter S adjusted) . . . . . . . . . . . . . . . . . . . . . .

Growth RatesAssets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equity capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Noncore funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Parent Company RatiosShort-term debt / Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Long-term debt / Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equity investment in subsidiaries / Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . .Cash from ops + noncash items + op expense / Op expense + dividends . . .

FR BHCPR Page 1 of 23

RSSD Number FR Dist. Peer #

Note: Taxable-equivalent income items are not presented for a BHC exempt from reporting Y-9C Schedule HI Memorandum Items 1 and 2.

NEW YORK PRIVATE BANK & TRUST CORPORATION NEW YORK, NY

09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20176,290,355 5,664,120 5,706,151 5,981,054 6,397,407

22,060 23,160 53,778 94,194 91,573142 142 146 154 148

2 2 2 2 2

3.52 2.96 90 3.91 3.29 88 3.92 3.21 88 4.16 3.33 94 3.92 3.29 910.74 0.95 40 0.64 0.84 37 1.32 0.90 76 1.28 0.90 78 1.97 0.93 913.16 2.45 84 3.63 2.53 90 3.82 2.59 91 3.90 2.58 91 4.05 2.60 920.46 0.45 61 0.16 0.11 74 0.14 0.12 65 -0.17 0.12 0 0.05 0.11 260.02 0.02 63 0 0.01 60 0 0.01 55 0.01 0 84 0.05 0.01 85

0 0 47 0 0 48 0 0 46 0 0 45 0 0 420.67 1.10 16 0.76 1.52 6 1.28 1.53 23 1.73 1.55 67 1.83 1.55 770.47 0.88 13 0.55 1.18 7 0.94 1.19 23 1.57 1.22 85 1.43 0.95 900.47 0.88 13 0.55 1.18 7 0.94 1.19 23 1.57 1.22 85 1.43 0.95 90

1.19 1.26 1.41 1.41 1.11

4.71 3.84 96 5.70 4.57 96 5.67 4.49 94 5.56 4.38 97 5.01 4.06 950.96 0.63 86 1.58 1.05 90 1.55 1.02 90 1.22 0.81 88 0.87 0.54 893.75 3.18 85 4.12 3.54 83 4.12 3.45 86 4.35 3.58 91 4.15 3.54 87

0.05 0.10 40 0.33 0.10 90 0.28 0.11 86 0.01 0.09 21 0.02 0.10 3033.84 31.88 61 3.90 24.71 20 6.85 22.46 24 360.20 29.27 94 117.48 0.97 91

1.86 1.29 90 1.51 0.95 92 1.42 0.94 87 1.71 0.94 93 1.77 0.95 931.86 1.28 92 1.51 0.94 93 1.42 0.93 88 1.71 0.93 94 1.77 0.94 934.46 0.64 99 4.06 0.58 99 3.54 0.56 98 4.52 0.57 99 4.16 0.57 990.89 0.23 95 0.62 0.27 88 0.61 0.31 86 0.46 0.32 73 0.69 0.32 88

-13.09 4.42 7 -16.40 11.91 2 -14.85 10.70 2 -27.49 13.54 1 -13.80 13.97 2-18.47 -0.34 8 -16.65 6.75 2 -15.23 5.88 2 -27.72 8.57 1 -13.97 9.65 268.23 71.22 32 73.05 72.82 48 73.49 72.36 48 66.46 73.30 20 69.67 72.64 36

19.80 9.60 99 20.19 10.40 99 19.80 10.39 99 19.42 10.37 99 18.94 10.04 9915.29 10.43 97 16.75 11.40 98 16.52 11.37 97 16.21 11.21 96 16.05 10.84 9715.40 10.50 97 16.88 11.47 98 16.63 11.43 97 16.32 11.30 96 16.83 10.89 9715.75 12.29 89 15.38 12.50 84 14.93 12.54 80 16.65 12.41 88 17.57 11.90 93

4.46 7.04 6 4.36 6.55 6 4.45 6.55 8 4.10 6.70 6 4.34 6.82 737.77 32.07 57 35.98 26.20 61 20.66 25.65 39 19.98 24.05 41 12.13 32.32 26

49.44 44.34 93.20 35.12 19.39

12.85 16.99 36 -0.08 8.77 11 3.06 8.66 26 -6.27 9.35 0 -3.76 9.89 33 8.08 22 3.89 13.29 11 5.03 12.19 15 -5.34 12.50 1 9.30 13.71 54

5.40 13.88 22 8.02 8.56 53 13.96 8.63 78 -10.59 10.51 0 -1.36 12.54 2779.12 -0.63 98 77.35 4.54 95 140.74 4.16 98 -50.90 6.76 3 -85.28 -3.35 0

0 0.02 46 0 0 46 0 0.01 46 0 0.03 45 0 0.02 460 5.35 25 0 3.80 27 0 3.86 27 0 3.76 28 0 4.39 27

99.92 104.45 32 99.93 104.19 31 99.94 104.21 34 99.92 104.10 32 99.92 105.17 30101.67 139.03 36 99.32 139.35 34 99.08 148.90 23 862.47 123.74 98 101.35 100.80 46

3212091 2 2

09/2020

BHC Name City/State

Income Statement—Revenues and Expenses

Dollar Amount in ThousandsPercent Change

1-Year 5-YearInterest and fees on loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Income from lease financing receivables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Fully taxable income on loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tax-exempt income on loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Estimated tax benefit on income on loans and leases . . . . . . . . . . . . . . . . . . . . . Income on loans and leases (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . .Investment interest income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest on balances due from depository institutions. . . . . . . . . . . . . . . . . . . . . . . .Interest income on other earning assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total interest income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Interest on time deposits of $250K or more . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest on time deposits < $250K. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest on foreign office deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest on other deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest on other borrowings and trading liabilities. . . . . . . . . . . . . . . . . . . . . . . . . . .Interest on subordinated debt and mandatory convertible securities . . . . . . . . Total interest expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Net interest income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Non-interest income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Adjusted operating income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Overhead expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Provision for credit losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Securities gains (losses) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other tax equivalent adjustments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Pretax net operating income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Applicable income taxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Tax equivalent adjustments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Applicable income taxes (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Minority interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net income before discontinued operations, net of minority interest . . . . . . .Discontinued operations, net of applicable income taxes . . . . . . . . . . . . . . . . . . . .Net income attributable to holding company. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

MemorandaNet income - holding company and noncontrolling (minority) interest. . . . . . . .Investment securities income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . US Treasury and agency securities (excluding mortgage-backed securities) . . Mortgage-backed securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All other securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Cash dividends declared . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Common . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Preferred . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .





09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

196,306 208,514 280,007 288,343 275,549 -5.85 12.611,253 1,494 2,009 2,151 2,369 -16.13 -33.49

197,559 210,008 282,016 290,494 277,918 -5.93 12.120 0 0 0 00 0 0 0 0

197,559 210,008 282,016 290,494 277,918 -5.93 12.128,118 15,913 19,608 22,148 19,994 -48.99 -40.581,182 2,336 3,452 4,005 1,423 -49.40 127.751,677 1,718 2,397 1,831 3,629 -2.39 -36.62

208,536 229,975 307,473 318,478 302,964 -9.32 8.03

976 1,034 1,452 596 212 -5.616,643 6,147 8,192 3,310 2,384 8.07

0 0 0 0 025,471 46,038 60,743 52,259 32,214 -44.67 20.709,228 10,512 13,562 13,403 17,487 -12.21 34.68

0 0 0 0 042,318 63,731 83,949 69,568 52,297 -33.60 39.53

166,218 166,244 223,524 248,910 250,667 -0.02 2.1635,054 27,051 75,269 76,852 125,783 29.58 -69.95

201,272 193,295 298,793 325,762 376,450 4.13 -27.95

148,928 154,194 217,978 233,262 259,014 -3.42 -7.4721,657 6,911 7,876 -10,411 3,021 248.18

873 97 98 480 2,953 800.00 -96.560 0 0 0 0

31,560 32,287 73,037 103,391 117,368 -2.25 -77.06

7,990 8,229 18,961 8,456 23,241 -2.90 -85.7483 8 10 48 559 937.50 -93.22

8,073 8,237 18,971 8,504 23,800 -1.99 -85.901,427 890 288 693 1,995 60.34 -73.38

22,060 23,160 53,778 94,194 91,573 -4.75 -70.560 0 0 0 0

22,060 23,160 53,778 94,194 91,573 -4.75 -70.56

23,487 24,050 54,066 94,887 93,568 -2.34 -70.758,118 15,913 19,608 22,148 19,994 -48.99 -40.58

20 2,617 2,632 4,330 627 -99.245,355 9,577 12,182 13,166 13,775 -44.08 -6.282,743 3,719 4,794 4,652 5,592 -26.24 -65.48

8,333 8,333 11,111 18,821 11,111 0.00 0.008,333 8,333 11,111 18,821 11,111 0.00 0.00

0 0 0 0 0

3212091 2 2

09/2020

BHC Name City/State

Relative Income Statement and Margin Analysis

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct Percent of Average AssetsInterest income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Less: Interest expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equals: Net interest income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Plus: Non-interest income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equals: adjusted operating income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . .Less: Overhead expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Less: Provision for credit losses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Plus: Realized gains (losses) on held-to-maturities securities . . . . . . . . . . . . . . .Plus: Realized gains (losses) on available-for-sale securities . . . . . . . . . . . . . . .Plus: other tax equivalent adjustments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equals: Pretax net operating income (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . .

Less: Applicable income taxes (tax equivalent). . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Less: Minority interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equals: Net operating income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Plus: Net extraordinary items. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equals: Net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Memo: Net income (last four quarters) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net income–BHC and noncontrolling (minority) interest . . . . . . . . . . . . . . . . . . . . .

Margin AnalysisAverage earning assets / Average assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Average interest-bearing funds / Average assets. . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest income (tax equivalent) / Average earning assets . . . . . . . . . . . . . . . . . .Interest expense / Average earning assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net interest income (tax equivalent) / Average earning assets . . . . . . . . . . . . . .

Yield or CostTotal loans and leases (tax equivalent). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest-bearing bank balances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Federal funds sold and reverse repos . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Trading assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total earning assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Investment securities (tax equivalent) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . US Treasury and agency securities (excluding mortgage-backed securities) . . . Mortgage-backed securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All other securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Interest-bearing deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Time deposits of $250K or more . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Time deposits < $250K. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other domestic deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Foreign deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Federal funds purchased and repos. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other borrowed funds and trading liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All interest-bearing funds. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .





09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20172 2 2 2 2

4.42 3.58 98 5.41 4.26 96 5.39 4.19 94 5.32 4.08 97 4.74 3.78 960.90 0.59 86 1.50 0.98 91 1.47 0.95 90 1.16 0.75 89 0.82 0.50 893.52 2.96 90 3.91 3.29 88 3.92 3.21 88 4.16 3.33 94 3.92 3.29 910.74 0.95 40 0.64 0.84 37 1.32 0.90 76 1.28 0.90 78 1.97 0.93 914.27 3.88 67 4.55 4.15 65 5.24 4.16 83 5.45 4.27 89 5.88 4.26 933.16 2.45 84 3.63 2.53 90 3.82 2.59 91 3.90 2.58 91 4.05 2.60 920.46 0.45 61 0.16 0.11 74 0.14 0.12 65 -0.17 0.12 0 0.05 0.11 26

0 0 48 0 0 48 0 0 48 0 0 49 0 0 460.02 0.02 63 0 0.01 60 0 0.01 55 0.01 0 84 0.05 0.01 85

0 0 47 0 0 48 0 0 46 0 0 45 0 0 420.67 1.10 16 0.76 1.52 6 1.28 1.53 23 1.73 1.55 67 1.83 1.55 77

0.17 0.24 30 0.19 0.32 19 0.33 0.35 36 0.14 0.32 12 0.37 0.59 190.03 0 95 0.02 0 96 0.01 0 95 0.01 0 94 0.03 0 970.47 0.88 13 0.55 1.18 7 0.94 1.19 23 1.57 1.22 85 1.43 0.95 90

0 0 50 0 0 50 0 0 50 0 0 49 0 0 490.47 0.88 13 0.55 1.18 7 0.94 1.19 23 1.57 1.22 85 1.43 0.95 900.85 0.95 41 0.54 1.19 4 0.94 1.19 23 1.57 1.22 85 1.43 0.95 900.50 0.89 15 0.57 1.19 7 0.95 1.19 23 1.59 1.22 85 1.46 0.95 91

93.93 93.42 55 94.96 93.25 69 94.98 93.22 70 95.71 93.23 81 94.47 93.19 6482.88 68.81 90 81.39 70.94 86 81.47 70.66 85 80.96 70.70 84 81.60 70.06 87

4.71 3.84 96 5.70 4.57 96 5.67 4.49 94 5.56 4.38 97 5.01 4.06 950.96 0.63 86 1.58 1.05 90 1.55 1.02 90 1.22 0.81 88 0.87 0.54 893.75 3.18 85 4.12 3.54 83 4.12 3.45 86 4.35 3.58 91 4.15 3.54 87

5.84 4.30 96 6.80 5.05 96 6.75 4.98 94 6.95 4.85 98 6.26 4.52 970.23 0.40 18 1.73 2.41 16 1.75 2.26 21 1.91 1.88 55 1.50 1.13 81

0.48 1.93 2.02 1.50 0.830 0.73 41 0 0.60 69 0 0.49 78 0 0.70 34 0 0.48 35

4.70 3.85 95 5.70 4.52 96 5.67 4.47 96 5.56 4.33 97 5 3.98 95

2.18 2.43 25 2.61 2.83 28 2.61 2.74 39 2.07 2.69 7 1.58 2.61 50.81 2.03 10 4.54 2.61 93 4.50 2.54 94 1.98 2.20 46 0.83 1.66 82.23 2.15 60 2.48 2.60 34 2.49 2.54 46 1.86 2.44 1 1.47 2.19 32.38 3.19 20 3.71 3.88 50 3.59 3.80 43 3.26 3.74 34 2.41 3.85 13

0.93 0.69 78 1.66 1.17 82 1.63 1.13 85 1.24 0.85 82 0.81 0.52 831.86 1.71 62 2.14 2.12 50 2.20 2.13 55 1.94 1.57 861.50 1.59 34 2.17 1.92 71 2.14 1.91 70 1.54 1.42 560.88 0.41 93 1.59 0.89 92 1.57 0.86 92 1.22 0.64 90

1.32 2.26 2.53 1.85 0.84

0.16 0.41 30 2.59 1.26 88 2.57 1.23 89 1.03 1.41 0.68 850.41 0.55 59 2.66 2.24 76 2.61 1.03 88 10.65 2.10 99 1.11 1.48 221.08 0.85 74 1.84 1.39 82 1.81 1.34 82 1.44 1.06 81 1 0.71 81

3212091 2 2

09/2020

BHC Name City/State

Non-interest Income and ExpensesDollar Amount in Thousands

Non-interest Income and ExpensesTotal non-interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Fiduciary activities income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Service charges on deposit accounts - domestic . . . . . . . . . . . . . . . . . . . . . . . . . . Trading revenue. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Investment banking fees and commissions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Insurance activities revenue. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Venture capital revenue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net servicing fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net securitization income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net gains (losses) on sales of loans, OREO, other assets. . . . . . . . . . . . . . . . . Other non-interest income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total overhead expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Personnel expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net occupancy expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Goodwill impairment losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Amortization expenses and impairment loss (other intangible assets) . . . . . Other operating expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Fee income on mutual funds and annuities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

MemorandaAssets under management in proprietary mutual funds and annuities . . . . . . .Number of equivalent employees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Average personnel expense per employee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Average assets per employee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctAnalysis RatiosMutual fund fee income / Non-interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Overhead expenses / Net Interest Income + non-interest income . . . . . . . . . . .

Percent of Average AssetsTotal overhead expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Personnel expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net occupancy expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other operating expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Overhead less non-interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent of Adjusted Operating Income (Tax Equivalent)Total overhead expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Personnel expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net occupancy expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other operating expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total non-interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Fiduciary activities income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Service charges on domestic deposit accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . Trading revenue. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Investment banking fees and commissions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Insurance activities revenue. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Venture capital revenue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net servicing fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net securitization income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net gain (loss) - sales of loans, OREO, and other assets . . . . . . . . . . . . . . . . . Other non-interest income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Overhead less non-interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Applicable income taxes / Pretax net operating income (tax equivalent). . . . .Applicable income tax + TE / Pretax net operating income + TE . . . . . . . . . . . .





09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

35,054 27,051 75,269 76,852 125,7836,483 6,813 8,850 9,888 8,558

23 29 39 35 59891 -948 -1,730 5,801 -2,124

1,784 3,358 3,856 3,628 40,5622,833 2,542 3,263 3,532 2,882

0 -1 89 80 -776191 249 332 337 -20

0 0 0 0 05,213 4,813 44,501 32,656 63,456

17,636 10,196 16,069 20,895 13,186148,928 154,194 217,978 233,262 259,01495,526 93,157 131,026 128,652 151,32719,228 18,654 25,049 24,410 24,179

0 0 0 0 0279 279 371 371 1,592

33,895 42,104 61,532 79,829 81,91618 4 7 11 42

0 0 0 0 0513 525 519 523 611

186.21 177.44 252.46 245.99 247.6712,261.90 10,788.80 10,994.51 11,436.05 10,470.39

2 2 2 2 2

0.05 0.52 73 0.01 1.87 34 0.01 0.66 70 0.01 1.69 35 0.03 1.89 3574.02 61.08 92 79.77 61.24 95 72.96 61.79 87 71.62 61.22 86 68.91 62.21 79

3.16 2.45 84 3.63 2.53 90 3.82 2.59 91 3.90 2.58 91 4.05 2.60 922.02 1.42 89 2.19 1.47 93 2.30 1.50 92 2.15 1.46 91 2.37 1.47 930.41 0.30 85 0.44 0.31 87 0.44 0.32 85 0.41 0.31 80 0.38 0.32 730.72 0.71 58 1 0.74 83 1.08 0.76 84 1.34 0.79 91 1.31 0.79 922.41 1.44 95 2.99 1.64 97 2.50 1.65 95 2.62 1.65 97 2.08 1.65 83

73.99 59.05 95 79.77 60.47 95 72.95 59.91 89 71.61 60.51 86 68.80 61.01 8047.46 34.37 96 48.19 35.17 93 43.85 34.17 92 39.49 34.42 82 40.20 34.72 83

9.55 7.14 88 9.65 7.46 87 8.38 7.50 64 7.49 7.33 52 6.42 7.51 3116.98 17.07 53 21.93 17.77 81 20.72 17.93 70 24.62 18.28 90 22.18 18.30 8117.42 22.56 40 13.99 19.64 28 25.19 19.83 66 23.59 20.30 65 33.41 21.24 87

3.22 1.41 77 3.52 1.88 76 2.96 1.61 73 3.04 1.95 69 2.27 1.95 630.01 2.69 4 0.02 3.59 0 0.01 3.21 4 0.01 3.58 1 0.02 3.83 20.44 0.11 88 -0.49 0.08 0 -0.58 0.07 1 1.78 0.03 96 -0.56 0.07 00.89 0.99 58 1.74 0.85 79 1.29 0.91 75 1.11 0.85 67 10.77 0.92 971.41 0.40 85 1.32 0.51 83 1.09 0.37 80 1.08 0.46 81 0.77 0.44 79

0 0 48 0 0 2 0.03 0 97 0.02 0 98 -0.21 0 00.09 -0.09 67 0.13 0.22 53 0.11 0.22 51 0.10 0.52 41 -0.01 0.40 2

0 0 49 0 0 49 0 0 48 0 0 49 0 0 482.59 5.29 51 2.49 2.15 66 14.89 2.27 92 10.02 1.98 92 16.86 2.38 958.76 7.27 70 5.27 7.28 29 5.38 7.41 29 6.41 7.05 45 3.50 7.34 14

56.58 35.71 91 65.78 40.41 96 47.76 39.47 75 48.01 39.75 76 35.39 39.09 3325.32 20.31 81 25.49 19.09 85 25.96 21.51 83 8.18 18.37 12 19.80 33.75 1625.58 22.97 71 25.51 21.85 72 25.97 23.31 69 8.23 21.35 7 20.28 38.57 10

3212091 2 2

09/2020

BHC Name City/State


1-Year 5-YearReal estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans to individuals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans to depository institutions and acceptances of other banks. . . . . . . . . . . .Agricultural loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Less: Unearned income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Loans and leases, net of unearned income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Less: Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Debt securities that reprice or mature in over 1 year . . . . . . . . . . . . . . . . . . . . . . . .Mutual funds and equity securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Subtotal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest-bearing bank balances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Federal funds sold and reverse repos . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Debt securities that reprice or mature within 1 year . . . . . . . . . . . . . . . . . . . . . . . . .Trading assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total earning assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Non-interest-bearing cash and due from depository institutions . . . . . . . . . . . . .Premises, fixed assets, and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other real estate owned. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Investment in unconsolidated subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Intangible and other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Quarterly average assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Average loans and leases (YTD) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

MemorandaLoans held-for-sale. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans not held-for-sale. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Real estate loans secured by 1– 4 family . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial real estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Construction and land development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Multifamily. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonfarm nonresidential . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Real estate loans secured by farmland. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total investment securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . U.S. Treasury securities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . US agency securities (excluding mortgage-backed securities) . . . . . . . . . . . . Municipal securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Mortgage-backed securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Asset-backed securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other debt securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Mutual funds and equity securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Available-for-sale securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . U.S. Treasury securities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . US agency securities (excluding mortgage-backed securities) . . . . . . . . . . . . . Municipal securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Mortgage-backed securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Asset-backed securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other debt securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Mutual funds and equity securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Held-to-maturity securities appreciation (depreciation) . . . . . . . . . . . . . . . . . . . . . .Available-for-sale securites appreciation (depreciation) . . . . . . . . . . . . . . . . . . . . .Structured notes, fair value. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Pledged securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

AssetsRSSD Number FR Dist. Peer #



09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

2,219,961 2,328,306 2,380,687 2,225,033 2,406,012 -4.65 -5.172,107,506 1,745,219 1,914,891 1,551,614 1,828,703 20.76 31.05

40,660 23,824 40,390 22,640 20,877 70.67 180.240 0 0 0 00 0 0 0 0

101,941 128,557 125,327 127,114 138,478 -20.70 8.510 0 0 0 0

4,470,068 4,225,906 4,461,295 3,926,401 4,394,070 5.78 10.1783,250 63,972 63,163 67,103 77,772 30.14 7.18

4,386,818 4,161,934 4,398,132 3,859,298 4,316,298 5.40 10.224,810 15,203 5,039 94,876 371,056 -68.36 -84.78

0 0 0 0 0 -100.004,391,628 4,177,137 4,403,171 3,954,174 4,687,354 5.13 8.85

904,329 196,122 263,046 240,999 70,855 361.11 2.940 0 0 0 0

377,807 572,344 540,060 913,094 704,406 -33.99 -66.292,632 260 331 288,446 221,697 912.31 -98.43

5,676,396 4,945,863 5,206,608 5,396,713 5,684,312 14.77 -8.4614,912 19,007 15,256 10,584 18,275 -21.54 -77.89

122,949 131,549 130,176 138,729 145,877 -6.54 53.778,579 18,417 14,049 22,357 29,012 -53.42 -85.09

49,934 24,862 50,311 25,019 0 100.84 -27.89556,793 557,622 567,918 213,177 317,716 -0.15 249.70

6,429,563 5,697,320 5,984,318 5,806,579 6,195,192 12.85 -3.086,416,381 5,594,177 5,832,244 5,724,391 6,371,810 14.70 1.574,509,628 4,114,854 4,177,897 4,180,462 4,438,877 9.59 9.13

2,132 687 1,085 284 996 210.33 96.324,467,936 4,225,219 4,460,210 3,926,117 4,393,074 5.74 10.14

828,543 969,387 933,105 1,061,775 1,160,946 -14.53 -39.741,391,418 1,358,919 1,447,582 1,163,258 1,245,066 2.39 44.03

309,302 277,386 322,697 185,237 172,285 11.51 38.06452,430 444,224 448,986 478,776 525,197 1.85 33.68629,686 637,309 675,899 499,245 547,584 -1.20 56.02

0 0 0 0 0382,617 587,547 545,099 1,007,970 1,075,462 -34.88 -67.44

3,366 3,232 3,246 262,952 73,334 4.150 0 0 0 0

3,880 4,362 4,315 12,348 14,580 -11.05 -97.27256,824 459,567 413,579 616,754 865,778 -44.12 -67.46

0 0 0 0 0118,547 120,386 123,959 115,916 121,770 -1.53 -46.37

0 0 0 0 0 -100.00382,617 587,547 545,099 1,007,970 1,075,462 -34.88 -67.44

3,366 3,232 3,246 262,952 73,334 4.150 0 0 0 0

3,880 4,362 4,315 12,348 14,580 -11.05 -97.27256,824 459,567 413,579 616,754 865,778 -44.12 -67.46

0 0 0 0 0118,547 120,386 123,959 115,916 121,770 -1.53 -46.37

0 0 0 0 0 -100.00

-10,204 -8,685 -5,484 -16,673 -10,1470 0 0 0 0

331,431 79,561 81,279 77,145 80,552 316.57 81.40

3212091 2 2

09/2020

BHC Name City/State

Liabilities and Changes in Capital


1-Year 5-YearDemand deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .NOW, ATS and transaction accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Time deposits less brokered deposits) < $250K. . . . . . . . . . . . . . . . . . . . . . . . . . . . .MMDA and other savings accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other non-interest-bearing deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Core deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Time deposits of $250K or more . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Foreign deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Federal funds purchased and repos. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Secured federal funds purchased . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial paper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other borrowings w/remaining maturity of 1 year or less . . . . . . . . . . . . . . . . . . . .Other borrowings w/remaining maturity over 1 year . . . . . . . . . . . . . . . . . . . . . . . . .Brokered deposits < $250K . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Noncore funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Trading liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Subordinated notes and debentures + trust preferred securities. . . . . . . . . . . . .Other liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Equity CapitalPerpetual preferred stock (including surplus). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Common stock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Common surplus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Retained earnings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Accumulated other comprehensive income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other equity capital components . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total holding company equity capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Noncontrolling (minority) interest in subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total equity capital, including minority interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Total liabilities and capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

MemorandaNon-interest-bearing deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest-bearing deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Long-term debt that reprices within 1 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Changes in Holding Company Equity CapitalEquity capital, previous year-end as amended . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Accounting restatements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net sale of new perpetual preferred stock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net sale of new common stock. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Sale of treasury stock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Less: Purchase of treasury stock. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Changes incident to business combinations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Less: Dividends declared . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Change in other comprehensive income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Changes in debit to ESOP liability. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other adjustments to equity capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Holding company equity capital, ending balance . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

125,962 82,488 92,528 76,724 92,376 52.70 37.65410,165 6,768 6,454 7,271 7,677 5960.36 126494.14166,458 381,537 398,873 339,597 162,633 -56.37

3,628,141 3,788,972 3,948,437 4,012,078 4,345,619 -4.24 -27.800 0 0 0 0

4,330,726 4,259,765 4,446,292 4,435,670 4,608,305 1.67 -17.5167,404 65,296 72,063 61,114 14,466 3.23

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 70,000 0 110,000

202,900 0 0 0 0435,936 15,039 5,061 0 0 2798.70706,240 80,335 147,124 61,114 124,466 779.12 654.30

0 0 0 0 0301,033 301,033 301,033 301,033 301,033 0.00 0.00101,386 94,534 94,631 61,003 118,989 7.25 -7.98

5,439,385 4,735,667 4,989,080 4,858,820 5,152,793 14.86 -5.48

0 0 0 0 00 0 0 0 0

434,363 434,363 434,363 434,363 423,328 0.00 2.60588,014 546,446 574,287 531,620 600,357 7.61 18.66-39,341 -26,360 -19,883 -24,601 -29,209

0 0 0 0 0983,036 954,449 988,767 941,382 994,476 3.00 12.96

7,142 7,204 6,471 6,377 47,923 -0.86 -21.26990,178 961,653 995,238 947,759 1,042,399 2.97 12.61

6,429,563 5,697,320 5,984,318 5,806,579 6,195,192 12.85 -3.08

125,962 82,488 92,528 76,724 92,376 52.70 37.654,708,104 4,257,612 4,430,888 4,420,060 4,530,395 10.58 -10.364,834,066 4,340,100 4,523,416 4,496,784 4,622,771 11.38 -9.54

0 0 0 0 0

988,767 941,382 941,382 994,476 909,8260 0 0 0 0

22,060 23,160 53,778 94,194 91,5730 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

8,333 8,333 11,111 18,821 11,111-19,458 -1,760 4,718 4,606 4,188

0 0 0 0 00 0 0 -133,073 0

983,036 954,449 988,767 941,382 994,476

3212091 2 2

09/2020

BHC Name City/State

Percent Composition of Assets

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctPercent of Total AssetsReal estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans to individuals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans to depository institutions and acceptances of other banks. . . . . . . . . . . .Agricultural loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Debt securities over 1 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Mutual funds and equity securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Subtotal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest-bearing bank balances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Federal funds sold and reverse repos . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Debt securities 1 year or less . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Trading assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total earning assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Non-interest cash and due from depository institutions. . . . . . . . . . . . . . . . . . . . . .

Other real estate owned. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

MemorandaShort-term investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .U.S. Treasury securities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .US agency securities (excluding mortgage-backed securities) . . . . . . . . . . . . . .Municipal securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Mortgage-backed securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asset-backed securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other debt securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans held-for-sale. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans held for investment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Real estate loans secured by 1– 4 family . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Revolving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Closed-end, secured by first liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Closed-end, secured by junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial real estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Construction and land development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Multifamily. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonfarm nonresidential . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Real estate loans secured by farmland. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20172 2 2 2 2

34.53 48.65 16 40.87 53.14 20 39.78 52.67 19 38.32 53.63 17 38.84 53.41 1732.78 14.90 94 30.63 11.51 95 32 11.45 96 26.72 11.42 92 29.52 10.82 94

0.63 2.25 42 0.42 2.48 31 0.67 2.71 43 0.39 2.65 28 0.34 2.58 240 0 45 0 0 44 0 0 44 0 0 44 0 0 450 0.49 17 0 0.50 18 0 0.53 17 0 0.47 18 0 0.51 17

1.59 1.38 68 2.26 2.56 60 2.09 1.08 76 2.19 2.64 57 2.24 2.62 5368.23 71.22 32 73.05 72.82 48 73.49 72.36 48 66.46 73.30 20 69.67 72.64 36

0.07 12.63 1 0.27 13.37 2 0.08 13.66 1 1.63 13.20 3 5.99 13.96 120 0.05 20 0 0.05 18 0 0.06 18 0 0.05 19 0 0.07 15

68.30 84.60 2 73.32 86.74 3 73.58 86.76 4 68.10 87.24 1 75.66 87.26 514.07 5.75 91 3.44 2.62 68 4.40 2.97 72 4.15 2.30 77 1.14 2.34 42

0 0.02 37 0 0.02 37 0 0.03 36 0 0.01 38 0 0.02 355.88 1.92 88 10.05 2.02 95 9.02 2.10 94 15.73 2.14 97 11.37 1.92 940.04 0.04 81 0 0.04 76 0.01 0.03 76 4.97 0.02 99 3.58 0.02 97

88.29 92.90 3 86.81 92.05 1 87 92.39 2 92.94 92.24 61 91.75 92.22 440.23 1.03 6 0.33 1.36 7 0.25 1.14 7 0.18 1.25 3 0.29 1.26 8

0.13 0.03 90 0.32 0.05 94 0.23 0.04 93 0.39 0.04 94 0.47 0.06 9511.48 5.96 97 12.86 6.47 98 12.74 6.41 98 6.88 6.39 59 7.95 6.45 75

19.94 8.13 94 13.49 5.08 93 13.42 5.36 93 19.88 4.70 95 12.51 4.63 890.05 0.17 73 0.06 0.20 65 0.05 0.29 64 4.53 0.37 94 1.18 0.22 89

0 1.10 6 0 1.39 7 0 1.25 8 0 1.67 7 0 1.50 70.06 2.76 17 0.08 2.58 15 0.07 2.58 12 0.21 2.66 20 0.24 2.97 203.99 8.33 18 8.07 8.98 50 6.91 9.38 38 10.62 8.73 64 13.97 9.19 75

0 0.31 32 0 0.30 34 0 0.30 34 0 0.26 33 0 0.23 341.84 0.57 86 2.11 0.55 88 2.07 0.53 88 2 0.52 89 1.97 0.48 870.03 0.60 18 0.01 0.45 18 0.02 0.39 21 0 0.29 21 0.02 0.32 25

69.49 70.89 38 74.16 72.49 57 74.53 72.01 57 67.61 73.24 22 70.91 72.42 4112.89 14.69 52 17.01 16.13 58 15.59 16.02 56 18.29 16.83 61 18.74 16.44 65

0.09 1.87 9 0.14 2.29 9 0.13 2.24 9 0.13 2.43 9 0.07 2.71 812.80 12.19 61 16.88 13.09 69 15.46 13.07 68 18.16 13.60 72 18.64 13.03 76

0 0.30 2 0 0.40 1 0 0.37 1 0 0.41 1 0.03 0.39 621.64 30.62 18 23.85 33.47 20 24.19 33.26 22 20.03 33.39 14 20.10 33.79 16

4.81 4.50 55 4.87 4.96 55 5.39 5 58 3.19 4.78 34 2.78 4.55 327.04 4.86 74 7.80 4.89 79 7.50 4.76 78 8.25 5.12 80 8.48 5.32 809.79 19.89 11 11.19 21.96 9 11.29 21.85 12 8.60 21.85 9 8.84 22.30 8

0 0.92 11 0 0.96 11 0 0.95 11 0 0.88 10 0 0.81 10

3212091 2 2

09/2020

BHC Name City/State

Loan Mix and Analysis of Concentrations of Credit

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct Loan Mix, Percent of Gross Loans and LeasesReal estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Real estate loans secured by 1– 4 family . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Revolving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Closed-end. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial real estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Construction and land development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1– 4 family. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Multifamily. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonfarm nonresidential . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Owner-occupied. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Real estate loans secured by farmland. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans to depository institutions and acceptances of other banks. . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans to individuals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit card loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Agricultural loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Loans and Leases, Percent of Tier 1 Capital + ALLL (CECL transition adjusted)Real estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Real estate loans secured by 1– 4 family . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Revolving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Closed-end. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial real estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Construction and land development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1– 4 family. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Multifamily. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonfarm nonresidential . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Owner-occupied. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Real estate loans secured by farmland. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans to depository institutions and acceptances of other banks. . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans to individuals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit card loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Agricultural loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

SupplementalNon-owner occupied CRE loans / Gross loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Non-owner occupied CRE loans / Tier 1 capital + ALLL (CECL transition adjusted) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total CRE loans / Tier 1 capital + ALLL (CECL transition adjusted) . . . . . . . . .


FR BHCPR Page 7A of 23


09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20172 2 2 2 2

49.66 67.98 15 55.10 73.03 14 53.36 72.74 12 56.67 72.88 16 54.76 73.20 1418.54 20.63 49 22.94 22.37 55 20.92 22.29 51 27.04 23.13 63 26.42 22.92 63

0.13 2.64 9 0.18 3.16 9 0.17 3.13 9 0.19 3.34 9 0.10 3.76 618.41 17.60 58 22.75 18.77 63 20.74 18.71 61 26.85 19.33 74 26.32 18.68 7531.13 43.01 19 32.16 46.24 16 32.45 46.16 17 29.63 45.57 13 28.34 46.38 12

6.92 6.32 62 6.56 6.89 53 7.23 6.97 57 4.72 6.53 36 3.92 6.35 320.10 1.30 12 0 1.48 3 0.10 1.47 12 0 1.52 3 0 1.50 46.82 4.93 73 6.56 5.25 65 7.13 5.34 71 4.72 4.90 51 3.92 4.76 43

10.12 6.62 79 10.51 6.54 79 10.06 6.42 77 12.19 6.76 81 11.95 7.13 8014.09 28.13 9 15.08 30.59 6 15.15 30.59 8 12.72 30.16 7 12.46 30.84 7

0 9.66 1 0 10.64 0 0 10.68 1 0 10.31 0 0 10.55 114.09 17.99 30 15.08 19.47 31 15.15 19.36 32 12.72 19.35 21 12.46 19.91 18

0 1.33 11 0 1.39 11 0 1.38 11 0 1.27 10 0 1.19 100 0 45 0 0 44 0 0 44 0 0 44 0 0 45

47.15 21.39 95 41.30 16.09 94 42.92 16.16 95 39.52 16.21 94 41.62 15.52 960.91 3.35 42 0.56 3.63 30 0.91 4 44 0.58 3.89 29 0.48 3.90 25

0 0.03 33 0 0.04 32 0 0.04 32 0 0.04 32 0 0.03 340 0.75 17 0 0.73 18 0 0.78 17 0 0.69 18 0 0.76 17

2.28 2.01 67 3.04 3.67 58 2.81 1.48 75 3.24 3.74 56 3.15 3.75 53

171.74 482.80 4 201.16 497.75 5 201.42 493.53 4 194.55 505.61 5 191.04 518.19 464.10 146.18 21 83.75 152.22 27 78.94 151.03 27 92.84 161.34 29 92.18 159.68 27

0.45 18.80 8 0.67 21.80 9 0.66 21.25 8 0.65 23.52 8 0.34 26.74 663.65 124.94 26 83.08 127.65 30 78.29 127.10 29 92.18 134.73 36 91.84 130.06 40

107.64 305.38 6 117.40 315.05 7 122.47 311.74 8 101.71 316.03 7 98.86 328.67 623.93 44.95 22 23.96 46.57 23 27.30 46.63 27 16.20 44.92 18 13.68 44.44 18

0.35 8.97 10 0 9.79 3 0.38 9.52 10 0 10.21 3 0 10.44 423.58 35.48 28 23.96 35.65 34 26.92 35.90 40 16.20 33.75 24 13.68 33.34 24

35 48.04 53 38.38 45.64 58 37.99 44.76 55 41.86 48.38 60 41.70 51.49 5748.71 199.50 5 55.06 207.34 4 57.18 206.64 5 43.65 208.15 5 43.48 217.26 4

0 68.21 1 0 72 0 0 71.54 1 0 70.68 0 0 73.43 148.71 126.61 8 55.06 131.84 11 57.18 130.65 11 43.65 134.17 9 43.48 140.40 8

0 8.98 11 0 8.80 11 0 8.66 11 0 8.13 10 0 7.80 100 0.03 45 0 0 44 0 0.01 44 0 0.01 44 0 0.01 45

163.04 149.76 59 150.78 107.51 76 162.01 106.70 79 135.67 107.07 71 145.20 105.25 753.15 21.71 30 2.06 22.87 22 3.42 24.83 28 1.98 24.45 18 1.66 23.98 17

0 0.18 33 0 0.26 32 0 0.24 32 0 0.24 32 0 0.19 340 4.72 17 0 4.54 18 0 4.86 17 0 4.49 18 0 4.90 17

7.89 13.71 63 11.11 24.69 41 10.60 10.25 69 11.11 25.58 43 11 25.83 39

31.13 33.11 50 32.16 35.42 44 32.45 35.38 44 29.63 35.09 37 28.34 35.69 28

107.64 234.95 9 117.40 241.24 13 122.47 239.13 12 101.71 243.62 9 98.86 253.35 8107.64 307.95 6 117.40 318.22 7 122.47 315.15 8 101.71 318.90 7 98.86 331.68 6

3212091 2 2

09/2020

BHC Name City/State

Liquidity and Funding

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctPercent of Total AssetsShort-term investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Liquid assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Investment securities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net loans, leases and standby letters of credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Core deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Noncore funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Time deposits of $250K or more . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Foreign deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Federal funds purchased and repos. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Secured federal funds purchased . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net federal funds purchased (sold). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial paper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Other borrowings w/remaining maturity of 1 year or less . . . . . . . . . . . . . . . . . . . .Earning assets that reprice within 1 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest-bearing liabilities that reprice within 1 year. . . . . . . . . . . . . . . . . . . . . . . . . .Long-term debt that reprices within 1 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net assets that reprice within 1 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Other Liquidity and Funding RatiosNet noncore funding dependence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net short-term noncore funding dependence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Short-term investment / Short-term noncore funding . . . . . . . . . . . . . . . . . . . . . . . .Liquid assets - short-term noncore funding / Nonliquid assets. . . . . . . . . . . . . . .Net loans and leases / Total deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net loans and leases / Core deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Held-to-maturity securities appreciation (depreciation) / Tier 1 capital . . . . . . .Available-for-sale securities appreciation (depreciation) / Tier 1 capital . . . . .Structured notes appreciation (depreciation) / Tier 1 capital . . . . . . . . . . . . . . . . .

Percent of Investment SecuritiesHeld-to-maturity securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Available-for-sale securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .U.S. Treasury securities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .US agency securities (excluding mortgage-backed securities) . . . . . . . . . . . . . .Municipal securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Mortgage-backed securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asset-backed securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other debt securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Mutual funds and equity securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Debt securities 1 year or less . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Debt securities 1 to 5 years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Debt securities over 5 years. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Pledged securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Structured notes, fair value. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent Change from Prior Like QuarterShort-term investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Investment securities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Core deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Noncore funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20172 2 2 2 2

19.94 8.13 94 13.49 5.08 93 13.42 5.36 93 19.88 4.70 95 12.51 4.63 8918.38 17.53 57 11.90 15.87 30 11.62 16.28 29 24.45 15.56 83 20.18 15.94 73

5.95 15.18 6 10.31 15.85 24 9.11 16.41 14 17.36 16.02 60 17.36 16.65 5968.23 71.22 32 73.05 72.82 48 73.49 72.36 48 66.46 73.30 20 69.67 72.64 3668.31 71.59 31 73.16 73.25 46 73.60 72.78 48 66.56 73.71 18 69.75 73.08 3367.36 74.82 17 74.77 70.84 62 74.30 71.61 59 76.39 69.97 74 74.39 69.79 7010.98 11.99 48 1.41 15.40 1 2.46 14.61 5 1.05 16.58 1 2.01 17.09 3

1.05 3.57 9 1.15 4.54 6 1.20 4.33 8 1.05 4.28 6 0.23 3.54 20 0 48 0 0 49 0 0 48 0 0 49 0 0 490 0.65 21 0 0.81 18 0 0.77 17 0 0.96 17 0 1.20 140 0 48 0 0 48 0 0 48 0 0 48 0 0 480 0.63 29 0 0.79 25 0 0.75 25 0 0.97 21 0 1.21 180 0 49 0 0 49 0 0 49 0 0 49 0 0 49

0 1.44 12 0 2.61 7 1.17 2.75 42 0 3.63 8 1.78 4.47 3569.43 30.86 96 68.95 32.53 97 70.98 33.16 96 69.80 32.35 96 65.22 33.41 9611.03 14.99 48 6.85 18.54 11 6.25 18.54 11 5.71 18.20 12 1.57 16.67 2

0 0.10 37 0 0.16 38 0 0.15 37 0 0.16 39 0 0.19 3858.41 15.28 97 62.10 13.03 97 64.73 13.71 97 64.10 12.98 98 63.65 15.65 97

-13.09 4.42 7 -16.40 11.91 2 -14.85 10.70 2 -27.49 13.54 1 -13.80 13.97 2-18.47 -0.34 8 -16.65 6.75 2 -15.23 5.88 2 -27.72 8.57 1 -13.97 9.65 2273.05 162.16 80 1,098.70 69.73 97 615.71 78.10 95 2,227.55 62.28 99 665.52 46.67 9713.58 12.43 55 12.12 5.90 72 10.68 6.90 68 31.18 4.17 94 22.92 3.68 8690.75 87.55 57 95.89 91.66 62 97.23 90.96 68 85.82 92.88 25 93.37 92.86 47

101.30 95.84 66 97.70 104.76 37 98.92 102.55 39 87.01 106.50 16 93.66 105.03 260.97 0.44 0.36 -0.47 -0.05

-0.84 3.74 2 -0.79 1.67 3 -0.49 1.28 5 -1.55 -1.95 51 -0.86 -0.62 390.01 0 -0.02 -0.04 -0.02

0 5.66 25 0 7.82 20 0 7.25 23 0 10.76 18 0 13.07 15100 92.94 88 100 91.03 89 100 91.33 88 100 88.32 88 100 86.93 840.88 1.17 74 0.55 1.31 65 0.60 2.07 67 26.09 2.08 95 6.82 1.33 87

0 7.91 6 0 9.32 7 0 8.16 7 0 11 7 0 10.16 71.01 18.02 20 0.74 15.75 15 0.79 15.40 15 1.23 16.63 18 1.36 17.86 18

67.12 55.30 67 78.22 56.50 80 75.87 57.07 76 61.19 54.50 55 80.50 55.76 830 1.75 32 0 1.78 34 0 1.70 34 0 1.54 33 0 1.31 34

30.98 4.31 96 20.49 3.99 92 22.74 3.73 95 11.50 3.75 84 11.32 3.25 850 0.43 20 0 0.40 17 0 0.49 18 0 0.41 19 0 0.58 15

98.74 13.81 99 97.41 13.05 99 99.08 13.55 99 90.59 13.91 97 65.50 11.90 960.88 20.70 2 1.71 24.23 7 0 23.43 1 8.81 23.42 23 34.02 23.53 720.38 61.16 1 0.88 58.35 2 0.92 58.63 2 0.60 58.36 1 0.49 60.73 2

86.62 46.91 89 13.54 43.10 18 14.91 43.76 18 7.65 42.20 13 7.49 46.78 70 0.04 41 0 0.08 39 0 0.09 39 0 0.15 39 0 0.08 40

66.84 122.49 49 -27.40 37.40 15 -30.41 32.84 10 48.87 16.28 74 -13.42 6.96 37-34.88 12.57 2 -45.39 5 3 -45.92 4.80 2 -6.28 8.02 16 -18.28 4.99 5

1.67 22.22 2 -1.14 9.45 7 0.24 9.96 8 -3.75 10.40 5 7.34 13.94 33779.12 -0.63 98 77.35 4.54 95 140.74 4.16 98 -50.90 6.76 3 -85.28 -3.35 0

3212091 2 2

09/2020

BHC Name City/State

Derivatives and Off-Balance-Sheet TransactionsDollar Amount in Thousands

Loan commitments (reported semiannually, June/Dec) . . . . . . . . . . . . . . . . . . . . . Commit: Secured commercial real estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . Commit: Unsecured real estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit card lines (reported semiannually, June/Dec) . . . . . . . . . . . . . . . . . . . . . . Securities underwriting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Standby letters of credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and similar letters of credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Securities lent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit derivatives - notional amount (holding company as guarantor) . . . . . . .Credit derivatives - notional amount (holding company as beneficiary) . . . . . .Credit derivative contracts w/ purchased credit protection-investment grade. .Credit derivative contracts w/ purchased credit protection-noninvest grade . . .

Derivative ContractsInterest rate futures and forward contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Written options contracts (interest rate) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Purchased options contracts (interest rate). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest rate swaps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Futures and forward foreign exchange . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Written options contracts (foreign exchange). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Purchased options contracts (foreign exchange) . . . . . . . . . . . . . . . . . . . . . . . . . . . .Foreign exchange rate swaps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commodity and other futures and forward contracts . . . . . . . . . . . . . . . . . . . . . . . .Written options contracts (commodity and other) . . . . . . . . . . . . . . . . . . . . . . . . . . . .Purchased options contracts (commodity and other) . . . . . . . . . . . . . . . . . . . . . . . .Commodity and other swaps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctPercent of Total AssetsLoan commitments (reported semiannually, June/Dec) . . . . . . . . . . . . . . . . . . . . .Standby letters of credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and similar letters of credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Securities lent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit derivatives - notional amount (holding company as guarantor) . . . . . . .Credit derivatives - notional amount (holding company as beneficiary) . . . . . .Credit derivative contracts w/ purchased credit protection-investment grade. .Credit derivative contracts w/ purchased credit protection-noninvest grade . . .Derivative contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest rate contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest rate futures and forward contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Written options contracts (interest rate) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Purchased options contracts (interest rate). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest rate swaps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Foreign exchange contracts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Futures and forward foreign exchange contracts . . . . . . . . . . . . . . . . . . . . . . . . . . Written options contracts (foreign exchange) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Purchased options contracts (foreign exchange) . . . . . . . . . . . . . . . . . . . . . . . . . . Foreign exchange rate swaps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equity, commodity, and other derivative contracts. . . . . . . . . . . . . . . . . . . . . . . . . . . Commodity and other futures and forward contracts . . . . . . . . . . . . . . . . . . . . . . Written options contracts (commodity and other) . . . . . . . . . . . . . . . . . . . . . . . . . . Purchased options contracts (commodity and other) . . . . . . . . . . . . . . . . . . . . . . Commodity and other swaps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent of Average Loans and LeasesLoan commitments (reported semiannually, June/Dec) . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017650,311 653,052 617,496

125,439 302,654 256,336 293,870 260,3480 0 0 0 0

0 0 00 0 0 0 0

4,995 6,172 6,140 5,828 4,7190 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 145,0000 0 0 0 00 0 0 0 0

27,660 5,500 3,000 2,172 1,50040,393 6,387 3,912 2,638 1,14114,899 14,899 14,899 0 0

200,000 200,000 200,000 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 28,785 0 4,586

88,110 0 0 0 0

2 2 2 2 2

10.87 16.97 19 11.25 17.31 17 9.97 17.28 130.08 0.31 14 0.11 0.36 20 0.10 0.36 19 0.10 0.35 21 0.08 0.40 15

0 0.01 36 0 0.01 36 0 0.01 36 0 0.01 35 0 0.01 320 0 50 0 0 49 0 0 49 0 0 50 0 0 490 0 46 0 0.02 43 0 0 47 0 0.02 44 0 0.01 450 0 47 0 0.01 45 0 0 48 0 0.01 46 2.34 0 980 0 47 0 0.01 46 0 0.01 46 0 0.01 46 0 0 460 0 48 0 0 47 0 0 47 0 0 47 0 0 48

5.77 4.12 75 3.98 7.95 42 4.19 2.95 74 0.08 6.51 15 0.12 6.82 154.40 3.99 73 3.98 7.84 42 3.71 2.87 74 0.08 6.40 15 0.04 6.72 120.43 0.24 81 0.10 0.56 47 0.05 0.08 79 0.04 0.25 50 0.02 0.28 470.63 0.30 81 0.11 0.56 48 0.07 0.13 76 0.05 0.26 45 0.02 0.28 420.23 0.02 91 0.26 0.07 88 0.25 0.02 93 0 0.07 40 0 0.08 413.11 2.72 75 3.51 5.78 51 3.34 2.19 77 0 5.18 15 0 5.41 14

0 0 47 0 0 45 0 0 47 0 0 47 0 0 450 0 47 0 0 45 0 0 47 0 0 47 0 0 450 0 49 0 0 48 0 0 48 0 0 49 0 0 480 0 49 0 0 48 0 0 48 0 0 49 0 0 480 0 49 0 0 49 0 0 49 0 0 49 0 0 49

1.37 0 99 0 0 48 0.48 0 97 0 0 48 0.07 0 960 0 49 0 0 49 0 0 49 0 0 49 0 0 490 0 49 0 0 49 0 0 48 0 0 49 0 0 480 0 49 0 0 48 0.48 0 98 0 0 48 0.07 0 97

1.37 0 99 0 0 49 0 0 49 0 0 49 0 0 49

15.57 24.81 16 15.62 25.18 17 13.91 25.74 12

3212091 2 2

09/2020

BHC Name City/State

Derivative InstrumentsDollar Amount in Thousands

Notional AmountDerivative contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest rate contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Foreign exchange contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Equity, commodity, and other contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Derivatives PositionFutures and forwards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Written options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Exchange-traded. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Over-the-counter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Purchased options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Exchange-traded. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Over-the-counter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Swaps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Held for trading. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest rate contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Foreign exchange contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Equity, commodity, and other contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Non-traded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest rate contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Foreign exchange contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Equity, commodity, and other contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Derivative contracts (excluding futures and FX 14 days or less) . . . . . . . . . . . . One year or less . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Over 1 year to 5 years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Over 5 years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Gross negative fair value (absolute value) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Gross positive fair value. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Held for trading. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Non-traded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Current credit exposure on risk-based capital derivative contracts . . . . . . . . . .Credit losses on derivative contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Past Due Derivative Instruments Fair Value30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

371,062 226,786 250,596 4,810 7,227282,952 226,786 221,811 4,810 2,641

0 0 0 0 088,110 0 28,785 0 4,586

27,660 5,500 3,000 2,172 1,50040,393 6,387 3,912 2,638 1,141

0 0 0 0 040,393 6,387 3,912 2,638 1,14114,899 14,899 43,684 0 4,586

0 0 0 0 014,899 14,899 43,684 0 4,586

288,110 200,000 200,000 0 0

103,009 14,899 43,684 0 4,58614,899 14,899 14,899 0 0

0 0 0 0 088,110 0 28,785 0 4,586

268,053 211,887 206,912 4,810 2,641268,053 211,887 206,912 4,810 2,641

0 0 0 0 00 0 0 0 0

130,669 20,399 46,684 2,172 6,086115,770 5,500 31,785 2,172 6,086

0 0 0 0 014,899 14,899 14,899 0 0

166 10,326 12 35 110,110 203 284 55 198

8,961 108 185 0 1821,149 95 99 55 163,452 0 185 0 182

0 0 0 0 0

0 0 0 0 00 0 0 0 0

3212091 2 2

09/2020

BHC Name City/State

Derivatives Analysis

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctPercent of Notional AmountInterest rate contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Foreign exchange contracts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equity, commodity, and other contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Futures and forwards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Written options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Exchange-traded. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Over-the-counter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Purchased options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Exchange-traded. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Over-the-counter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Swaps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Held for trading. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest rate contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Foreign exchange contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Equity, commodity, and other contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Non-traded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest rate contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Foreign exchange contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Equity, commodity, and other contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Derivative contracts (excluding futures and forex 14 days or less) . . . . . . . . . . One year or less . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Over 1 year to 5 years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Over 5 years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Gross negative fair value (absolute value) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Gross positive fair value. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent of Tier 1 CapitalGross negative fair value, absolute value (X). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Gross positive fair value (X) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Held for trading (X) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Non-traded (X) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Current credit exposure (X) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit losses on derivative contracts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Past Due Derivative Instruments Fair Value30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Other RatiosCurrent credit exposure / Risk-weighted assets . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20172 2 2 2 2

76.25 98.83 7 100 99.99 55 88.51 99.57 5 100 99.91 54 36.54 99.91 00 0.11 43 0 0 45 0 0.14 42 0 0 46 0 0.04 44

23.75 0.04 96 0 0 48 11.49 0.07 98 0 0 47 63.46 0 99

7.45 15.97 46 2.43 13.29 45 1.20 14.06 45 45.16 11.75 87 20.76 12.76 7210.89 12.24 59 2.82 12.01 42 1.56 11.73 36 54.84 11.14 89 15.79 9.73 74

0 0 50 0 0 49 0 0 48 0 0 49 0 0 4910.89 12.24 59 2.82 11.67 42 1.56 10.84 36 54.84 10.65 89 15.79 9.46 75

4.02 1.50 78 6.57 1.18 87 17.43 2.45 89 0 1.29 38 63.46 1.44 970 0 50 0 0 49 0 0 49 0 0 49 0 0 49

4.02 1.50 78 6.57 1.10 88 17.43 2.28 89 0 1.22 38 63.46 1.27 9777.64 70.10 53 88.19 63.70 57 79.81 64.61 50 0 65.42 10 0 66.04 9

27.76 14.82 75 6.57 12.21 75 17.43 15.01 70 0 13.60 38 63.46 16.18 784.02 14.33 73 6.57 12.06 75 5.95 16.17 72 0 12.87 38 0 16.40 36

0 0 47 0 0 48 0 0.11 46 0 0 48 0 0 4723.75 0 98 0 0 49 11.49 0 98 0 0 49 63.46 0 99

72.24 85.18 25 93.43 87.79 24 82.57 84.99 29 100 86.40 61 36.54 83.82 2172.24 84.39 26 93.43 87.57 25 82.57 84.69 29 100 85.51 64 36.54 83.04 21

0 0.01 45 0 0 46 0 0.01 44 0 0 47 0 0.01 460 0 48 0 0 48 0 0.01 47 0 0 48 0 0 48

35.21 77.92 15 8.99 79.84 7 18.63 80.07 5 45.16 82.85 15 84.21 87.47 3031.20 16.53 75 2.43 12.36 42 12.68 15.20 60 45.16 12.75 88 84.21 15.62 94

0 17 15 0 19.27 16 0 22.92 14 0 22.66 16 0 21.68 154.02 32.29 25 6.57 36.96 26 5.95 34.12 25 0 36.28 14 0 37.90 130.04 3.06 5 4.55 2.06 92 0 1.30 5 0.73 0.66 50 0.01 0.50 172.72 2.48 55 0.09 1.64 16 0.11 1.14 10 1.14 1.10 54 2.74 0.92 94

0 0.01 67 0.01 0.02 53 0 0 64 0 0.01 28 0 0 240.01 0.01 74 0 0.01 23 0 0 68 0 0.01 20 0 0.01 180.01 0 90 0 0 78 0 0 89 0 0 40 0 0 74

0 0 74 0 0.01 30 0 0 70 0 0.01 25 0 0 220 0.01 76 0 0.01 18 0 0.01 42 0 0 18 0 0 360 0 48 0 0 49 0 0 50 0 0 49 0 0 49

0 0 50 0 0 50 0 0 50 0 0 50 0 0 500 0 50 0 0 50 0 0 50 0 0 50 0 0 50

0.06 0.10 76 0 0.14 18 0 0.10 42 0 0.06 18 0 0.05 39

3212091 2 2

09/2020

BHC Name City/State

Allowance and Net Loan and Lease LossesDollar Amount in Thousands

Change: Allowance for Loan and Lease Losses excluding ATTRBeginning balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Gross losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Write-downs, transfers to loans held-for-sale. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Recoveries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net losses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Provision for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Adjustments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Ending balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Memo: Allocated transfer risk reserve (ATRR). . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctAnalysis RatiosProvision for loan and lease losses / Average assets . . . . . . . . . . . . . . . . . . . . . . .Provision for loan and lease losses / Average loans and leases. . . . . . . . . . . . .Provision for loan and lease losses / Net loan and lease losses . . . . . . . . . . . . .

Allowance for loan and lease losses / Total loans and leases not held for sale.Allowance for loan and lease losses / Total loans and leases. . . . . . . . . . . . . . . . .Allowance for loan and lease losses / Net loans and leases losses (X) . . . . . . . .Allowance for loan and lease losses / Nonaccrual assets . . . . . . . . . . . . . . . . . . . .ALLL / 90+ days past due + nonaccrual loans and leases . . . . . . . . . . . . . . . . . . .

Gross loan and lease losses / Average loans and leases . . . . . . . . . . . . . . . . . . .Recoveries / Average loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net losses / Average loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Write-downs, transfers to loans held-for-sale / Average loans and leases . . .Recoveries / Prior year-end losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Earnings coverage of net loan and lease losses (X). . . . . . . . . . . . . . . . . . . . . . . . .

Net Loan and Lease Losses By TypeReal estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Real estate loans secured by 1– 4 family . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Revolving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Closed-end. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial real estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Construction and land development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1– 4 family. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Multifamily. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonfarm nonresidential . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Owner-occupied. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Real estate loans secured by farmland. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans to individuals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit card loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Agricultural loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans to foreign governments and institutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

63,163 67,103 67,103 77,772 75,7711,877 10,708 12,527 1,590 1,632

0 0 0 0 0307 666 711 1,332 612

1,570 10,042 11,816 258 1,020

21,657 6,911 7,876 -10,411 3,0210 0 0 0 0

83,250 63,972 63,163 67,103 77,772

0 0 0 0 0

2 2 2 2 2

0.46 0.45 62 0.16 0.11 74 0.14 0.12 65 -0.17 0.12 0 0.05 0.11 260.64 0.62 62 0.22 0.15 72 0.19 0.16 65 -0.25 0.16 0 0.07 0.16 26

1,379.43 773.99 76 68.82 146.73 26 66.66 142.73 24 -4,035.27 182.69 0 296.18 110.75 81

1.86 1.29 90 1.51 0.95 92 1.42 0.94 87 1.71 0.94 93 1.77 0.95 931.86 1.28 92 1.51 0.94 93 1.42 0.93 88 1.71 0.93 94 1.77 0.94 93

39.77 31.01 78 4.78 16.99 22 5.35 17.18 34 260.09 21.35 95 76.25 16.23 9243.52 318.06 2 41.60 280.73 2 43.68 315.75 3 42.95 285.36 2 50.18 270.69 236.62 280.37 2 34.46 252.69 1 37.42 283.41 3 34.25 259.30 1 38.55 232.03 3

0.06 0.14 30 0.35 0.15 87 0.30 0.16 82 0.04 0.15 20 0.04 0.16 190.01 0.04 20 0.02 0.04 36 0.02 0.05 29 0.03 0.05 43 0.01 0.06 180.05 0.10 40 0.33 0.10 90 0.28 0.11 86 0.01 0.09 21 0.02 0.10 30

0 0 49 0 0 49 0 0 49 0 0 48 0 0 482.45 28.34 4 41.89 31.96 72 44.72 41.80 65 81.62 51.25 76 6.03 50.41 6

33.84 31.88 61 3.90 24.71 20 6.85 22.46 24 360.20 29.27 94 117.48 0.97 91

0.10 0.03 83 -0.02 0.02 13 -0.01 0.02 17 -0.05 0.01 7 0.04 0.02 680 0.01 39 -0.03 0.02 9 -0.02 0.02 12 -0.05 0.01 8 -0.02 0.03 140 0 54 0 0.02 49 0 0.02 47 0 0.02 44 0 0.03 380 0.01 37 -0.03 0.02 6 -0.02 0.02 9 -0.05 0.01 7 -0.02 0.02 14

0.16 0.04 85 -0.01 0.02 24 0 0.02 31 -0.05 0.01 8 0.09 0.01 890 0 58 0 -0.01 64 0 -0.02 62 0 -0.02 57 0 -0.04 610 0 48 0 0 55 0 0 54 0 0 54 0 0 590 -0.01 59 0 -0.01 63 0 -0.02 62 0 -0.02 60 0 -0.04 620 0 10 -0.02 0 11 -0.02 0 12 0 0 86 0.03 0 89

0.35 0.04 92 0 0.04 41 0 0.03 38 -0.13 0.02 2 0.18 0.02 930 0.01 46 0 0.01 46 0 0.01 44 0 0.01 43 0 0.01 45

0.35 0.02 97 0 0.01 45 0 0.01 41 -0.13 0.01 2 0.18 0.01 970.01 0.01 0.01 0 0

0.01 0.16 25 0.77 0.25 88 0.61 0.27 83 0.09 0.18 44 0.01 0.18 270.64 1.94 0.73 88 0.86 0.74 70 0.71 0.781.74 1.99 1.89 1.65 1.60

0 0.02 0.02 0.03 0.06

0 0.17 32 0 0.29 31 0 0.14 33 0 0.28 30 0 0.27 29

3212091 2 2

09/2020

BHC Name City/State

Past Due and Nonaccrual AssetsDollar Amount in Thousands

30+ Days Past Due and Nonaccrual Assets30–89 days past due loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total past due and nonaccrual loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . .

Restructured 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Restructured 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Restructured nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total restructured loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

30–89 days past due loans held for sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due loans held for sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual loans held for sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total past due and nonaccrual loans held for sale. . . . . . . . . . . . . . . . . . . . . . . . .Restructured loans and leases in compliance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other real estate owned. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Other Assets30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total other assets past due and nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctPercent of Loans and Leases30–89 days past due loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due and nonaccrual loans and leases. . . . . . . . . . . . . . . . . . . . . . . .

30–89 days past due restructured. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due restructured . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual restructured. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30–89 days past due loans held for sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due loans held for sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual loans held for sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent of Loans and Leases and Other Assets 30+ Days Past Due and Nonaccrual30–89 days past due assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30+ days past due and nonaccrual assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent of Total Assets90+ days past due and nonaccrual assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due and nonaccrual assets + other real estate owned . . . . . . .

Restructured and Nonaccrual Loans and Leases + OREO as Percent of:Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equity capital + allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . .Tier 1 capital + allowance for loan and lease losses. . . . . . . . . . . . . . . . . . . . . . . . .Loans and leases + other real estate owned . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Note: 30–89 Days past due amounts and ratios are confidential prior to March 2001.




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

39,805 26,365 27,288 17,888 30,22236,029 31,858 24,200 39,702 46,739

191,294 153,768 144,599 156,225 154,980267,128 211,991 196,087 213,815 231,941

7,082 11,139 11,411 11,388 15,8100 0 0 0 0

43,021 48,081 45,274 62,522 34,81550,103 59,220 56,685 73,910 50,625

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

38,763 39,996 38,345 44,356 40,9048,579 18,417 14,049 22,357 29,012

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

2 2 2 2 2

0.89 0.23 95 0.62 0.27 88 0.61 0.31 86 0.46 0.32 73 0.69 0.32 880.81 0.04 98 0.75 0.04 98 0.54 0.03 95 1.01 0.03 98 1.06 0.04 964.28 0.57 99 3.64 0.50 99 3.24 0.48 98 3.98 0.49 99 3.53 0.46 995.09 0.64 99 4.39 0.56 99 3.78 0.54 97 4.99 0.54 98 4.59 0.55 98

0.16 0 99 0.26 0 98 0.26 0 99 0.29 0.01 98 0.36 0.01 990 0 47 0 0 43 0 0 45 0 0 43 0 0 41

0.96 0.03 99 1.14 0.11 98 1.01 0.07 97 1.59 0.10 99 0.79 0.10 990 0 48 0 0 48 0 0 47 0 0 47 0 0 480 0 48 0 0 49 0 0 48 0 0 48 0 0 480 0 47 0 0 48 0 0 48 0 0 48 0 0 48

0.89 0.23 95 0.62 0.27 88 0.61 0.31 86 0.46 0.32 73 0.69 0.32 880.81 0.04 98 0.75 0.04 98 0.54 0.03 95 1.01 0.03 98 1.06 0.04 964.28 0.58 99 3.64 0.50 99 3.24 0.48 98 3.98 0.49 99 3.53 0.47 995.98 0.89 99 5.02 0.85 98 4.40 0.87 97 5.45 0.88 98 5.28 0.89 98

3.54 0.46 99 3.26 0.40 99 2.82 0.39 97 3.37 0.39 98 3.26 0.40 983.67 0.51 99 3.58 0.46 99 3.06 0.45 97 3.76 0.45 98 3.72 0.48 98

3.82 0.51 99 3.92 0.60 99 3.48 0.56 98 4.04 0.59 98 3.89 0.63 98295.16 59.34 97 349.09 96.68 97 329.95 92.08 95 349.20 95.97 97 309.50 100.14 9523.04 4.58 97 21.93 5.08 99 19.81 4.77 97 23.24 5.09 98 22.45 5.57 9719.01 5.07 97 19.29 5.70 97 17.63 5.30 96 20.49 5.65 98 19.11 6.11 97

5.49 0.71 99 5.26 0.83 99 4.66 0.78 98 5.93 0.82 98 5.44 0.86 98

3212091 2 2

09/2020

BHC Name City/State

Past Due and Nonaccrual Loans and Leases

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct30+ Days Past Due and Nonaccrual Loans and Leases as a Percent of Loan TypeReal estate 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Commercialand industrial 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .


Individuals 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Depositoryinstitution loans 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .


Agricultural 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Foreign governments 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Other loans and leases 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .



FR BHCPR Page 13A of 23


09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20172 2 2 2 2

1.77 0.22 97 1.11 0.24 96 0.73 0.28 91 0.80 0.29 91 1.25 0.29 960.99 0.04 97 1.07 0.04 98 0.97 0.03 97 1.15 0.03 98 1.89 0.05 976.66 0.60 99 5.63 0.48 99 5.02 0.45 99 5.60 0.48 99 5.77 0.43 99

0.02 0.13 30 0 0.24 5 0.52 0.22 82 0 0.23 8 0 0.27 50.67 0.02 97 0.36 0.02 96 0.06 0.02 85 0.91 0.02 98 0.07 0.01 891.94 0.58 90 1.30 0.70 79 1.19 0.74 78 1.79 0.61 88 0.65 0.60 66

0 0.41 6 2.07 0.51 92 0 0.60 5 0 0.68 6 0.19 0.69 310 0.01 33 2.35 0.03 99 0 0.02 31 0.01 0.03 71 0 0.03 29

6.01 0.14 98 0 0.12 14 6.08 0.12 99 16.81 0.15 99 20.38 0.21 99

0 0 0 0 00 0 0 0 00 0 0 0 0

0.14 0.11 0.10 0.11 0.150.01 0 0 0.01 00.60 0.65 0.80 0.46 0.31

0 0.34 23 0 0.12 28 0 0.28 23 0 0.18 23 0 0.12 270 0.01 40 0.13 0.01 94 0 0 40 0 0 41 0 0 440 0.14 33 0 0.05 37 0 0.04 37 0 0.04 36 0 0.06 36

3212091 2 2

09/2020

BHC Name City/State

Past Due and Nonaccrual Loans and Leases—Continued

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctMemoranda1– 4 family 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . .

90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Revolving 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Closed-end 30–89 days past due. . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Junior lien 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Commercial real estate 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Constructionand development 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . .

90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

1– 4 family 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Other 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Multifamily 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Nonfarm non-residential 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Owner Occupied 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Other 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Farmland 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Credit card 30–89 days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . 90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonaccrual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .



FR BHCPR Page 13B of 23


09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20172 2 2 2 2

3.60 0.30 98 2.63 0.38 97 1.77 0.53 97 1.66 0.52 94 2.40 0.56 970.21 0.06 83 0.26 0.05 90 0 0.05 28 0 0.04 22 0 0.06 22

14.01 0.65 98 9.22 0.57 99 8.67 0.55 99 8.95 0.61 98 10.66 0.65 99

0 0.26 11 0 0.31 10 0 0.36 8 0 0.36 9 0 0.29 729.65 0.02 99 0 0.02 35 0 0.01 37 0 0.02 37 0 0.02 35

0 0.48 8 0 0.33 11 0 0.34 11 0 0.35 10 0 0.42 10

3.62 0.31 97 2.65 0.40 97 1.79 0.56 95 1.68 0.54 93 2.41 0.63 970 0.07 26 0.26 0.05 90 0 0.05 29 0 0.05 24 0 0.06 24

14.11 0.66 98 9.29 0.59 99 8.74 0.57 99 9.01 0.64 98 10.70 0.68 990 0.01 22 0 0.02 17 0 0.02 13 0 0.02 14 0 0.03 120 0 43 0 0 41 0 0 41 0 0 38 0 0 360 0.03 12 0 0.04 11 0 0.03 11 0 0.03 12 0 0.04 10

0.69 0.16 88 0.03 0.14 35 0.05 0.15 34 0.02 0.16 20 0.19 0.15 671.45 0.03 99 1.64 0.03 98 1.60 0.02 98 2.20 0.02 98 3.66 0.02 992.29 0.51 94 3.07 0.41 98 2.66 0.34 98 2.54 0.41 97 1.21 0.33 95

0 0.17 24 0 0.15 25 0 0.20 22 0 0.17 21 0 0.18 200 0.01 43 0 0 43 0 0.01 43 0 0 44 13.73 0.01 990 0.23 19 0 0.19 21 0 0.18 21 0 0.18 21 0 0.21 180 0.03 38 0 0.04 36 0 0.05 33 0 0.07 32 0 0.05 330 0 47 0 0 48 0 0 47 0 0 48 0 0 460 0.02 39 0 0.03 38 0 0.01 40 0 0.04 37 0 0.04 350 0.11 27 0 0.08 28 0 0.12 26 0 0.06 28 0 0.08 260 0.01 43 0 0 44 0 0 44 0 0 45 13.73 0.01 990 0.18 21 0 0.12 24 0 0.14 24 0 0.10 25 0 0.12 25

1.54 0.04 97 0.08 0.03 83 0.13 0.03 86 0.03 0.03 80 0.41 0.04 952.96 0 98 2.33 0 96 2.73 0 98 3.08 0 98 2.13 0 971.15 0.05 95 1.69 0.03 98 0.96 0.03 95 0.88 0.04 97 1.83 0.05 97

0.41 0.14 85 0 0.14 21 0.03 0.13 31 0.01 0.17 22 0.03 0.14 291.08 0.02 98 1.88 0.03 98 1.60 0.02 98 2.18 0.02 98 1.95 0.02 984.24 0.66 97 5.37 0.50 99 5.06 0.36 99 5.08 0.52 99 1 0.40 89

0 0.06 17 0 0.09 14 0 0.06 12 0 0.08 13 0 0.06 130 0 41 0 0.01 40 0 0.01 40 0 0 38 0 0.01 350 0.27 5 0 0.21 7 0 0.19 7 0 0.20 8 0 0.16 7

0.41 0.06 91 0 0.04 47 0.03 0.05 61 0.01 0.07 47 0.03 0.06 521.08 0.01 99 1.88 0.01 99 1.60 0.01 99 2.18 0.01 99 1.95 0.01 994.24 0.28 97 5.37 0.18 99 5.06 0.14 99 5.08 0.22 99 1 0.16 94

0.07 0.10 0.21 0.09 0.100 0.01 0.01 0 0

1.20 0.94 1.06 0.49 0.44

0.77 0.57 0.87 1.03 0.830.19 0.24 0.18 0.26 0.220.03 0 0 0.07 0.08

3212091 2 2

09/2020

BHC Name City/State

Regulatory Capital Components and RatiosDollar Amount in Thousands

Common Equity Tier 1 Capital Common stock plus related surplus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Retained earnings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Accumulated other comprehensive income (AOCI) . . . . . . . . . . . . . . . . . . . . . . . . .Common equity tier 1 minority interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Common equity tier 1 capital before adjustments/deductions. . . . . . . . . . . . . .Common Equity Tier 1 Capital: Adjustments/DeductionsLess: Goodwill, intangible assets, and deferred tax assets . . . . . . . . . . . . . . . . . .Accumulated other comprehensive income-related adjustments . . . . . . . . . . . .Other deductions from common equity tier 1 capital . . . . . . . . . . . . . . . . . . . . . . . . . Subtotal: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Adjustments and deductions for common equity tier 1 capital . . . . . . . . . . . . . . .Common equity tier 1 capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Additional Tier 1 CapitalAdditional tier 1 capital instruments and related surplus . . . . . . . . . . . . . . . . . . . . .Non-qualifying capital instruments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Tier 1 minority interest not included in common equity tier 1 capital . . . . . . . . . Additional tier 1 capital before deductions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Less: Additional tier 1 capital deductions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Additional tier 1 capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Tier 1 Capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Tier 2 Capital Tier 2 capital instruments and related surplus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Non-qualifying capital instruments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total capital minority interest not included in tier 1 capital . . . . . . . . . . . . . . . . . . .Allowance for loan and lease losses in tier 2 capital . . . . . . . . . . . . . . . . . . . . . . . . . Exited advanced approach eligible credit reserves . . . . . . . . . . . . . . . . . . . . . . .Unrealized gains on AFS preferred stock classified as equity . . . . . . . . . . . . . . .Tier 2 capital before deductions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Exited advanced approach tier 2 capital before deductions . . . . . . . . . . . . . . .Less: Tier 2 capital deductions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Tier 2 capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Exited advanced approach tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Exited advanced approach total capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total Assets for Capital RatiosAverage total consolidated assets, adjusted . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Less: Deductions from common equity tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . Less: Other deductions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total assets for leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total risk-weighted assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Exited advanced approach total RWA. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct Capital RatiosCommon equity tier 1 capital, column A . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Common equity tier 1 capital, column B . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Tier 1 capital, column A . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Tier 1 capital, column B . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total capital, column A . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total capital, column B . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Tier 1 leverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Supplementary leverage ratio, advanced approaches HCs. . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

434,363 434,363 434,363 434,363 423,328588,014 546,446 574,287 531,620 600,357-39,341 -26,360 -19,883 -24,601 -29,209

0 0 0 0 0983,036 954,449 988,767 941,382 994,476

105,013 105,384 105,292 105,663 99,038-39,341 -26,360 -19,883 -24,600 -29,209

0 0 0 0 0917,364 860,461 900,523 844,859 922,704

0 0 20,702 0 0917,364 860,461 879,821 844,859 922,704

0 0 0 0 0292,000 292,000 292,000 292,000 292,000

0 0 0 0 0292,000 292,000 292,000 292,000 292,000

0 58,966 53,004 60,261 33,052292,000 233,034 238,996 231,739 258,948

1,209,364 1,093,495 1,118,817 1,076,598 1,181,652

0 0 0 0 00 0 0 0 00 0 0 0 0

72,957 65,556 64,480 63,544 66,263

0 0 0 072,957 65,556 64,480 63,544 66,263

0 0 0 0 072,957 65,556 64,480 63,544 66,263

1,282,321 1,159,051 1,183,297 1,140,142 1,247,915

6,416,381 5,594,177 5,832,244 5,724,391 6,371,810105,013 179,314 181,832 181,384 134,033204,604 0 0 0 0

6,106,764 5,414,863 5,650,412 5,543,007 6,237,7775,824,274 5,593,542 5,891,628 5,074,747 5,253,059

2 2 2 2 2

15.75 10.53 90 15.38 12.47 84 14.93 12.54 79 16.65 12.41 88 17.57 11.95 930 0 50 0 0 50 0 0 50 0 0 50 0 0 50

20.76 11.23 97 19.55 13.17 93 18.99 13.23 92 21.21 13.07 96 22.49 12.68 960 0 50 0 0 50 0 0 50 0 0 50 0 0 50

22.02 12.95 96 20.72 14.59 91 20.08 14.69 91 22.47 14.53 96 23.76 14.15 960 0 50 0 0 50 0 0 50 0 0 50 0 0 50

19.80 9.60 99 20.19 10.40 99 19.80 10.39 99 19.42 10.37 99 18.94 10.04 99

3212091 2 2

09/2020

BHC Name City/State

Insurance and Broker-Dealer Activities


1-Year 5-YearInsurance ActivitiesTotal insurance underwriting assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total property and casualty assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Reinsurance recoverables (P/C) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total life and health assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Reinsurance recoverables (L/H). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Separate account assets (L/H) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Total insurance underwriting equity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total property and casualty equity. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total life and health equity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total insurance underwriting net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total property and casualty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total life and health . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Claims and claims adjusted expense reserves (P/C) . . . . . . . . . . . . . . . . . . . . . . . .Unearned premiums (P/C) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Policyholder benefit and contractholder funds (L/H) . . . . . . . . . . . . . . . . . . . . . . . . .Separate account liabilities (L/H) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Insurance activities revenue. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other insurance activities income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Insurance and reinsurance underwriting income . . . . . . . . . . . . . . . . . . . . . . . . . . Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit related insurance underwriting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other insurance underwriting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Insurance benefits, losses, expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net assets of insurance underwriting subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . .Life insurance assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctAnalysis RatiosInsurance underwriting assets / Consolidated assets. . . . . . . . . . . . . . . . . . . . . . . . Insurance underwriting assets (P/C) / Total insurance underwriting assets. . Insurance underwriting assets (L/H) / Total insurance underwriting assets . . Separate account assets (L/H) / Total life assets . . . . . . . . . . . . . . . . . . . . . . . . . .

Insurance activities revenue / Adjusted operating income . . . . . . . . . . . . . . . . . . . Premium income / Insurance activities revenue . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit related premium income / Total premium income. . . . . . . . . . . . . . . . . Other premium income / Total premium income . . . . . . . . . . . . . . . . . . . . . . . . .

Insurance underwriting net income / Consolidated net income . . . . . . . . . . . . . . Insurance net income (P/C) / Equity (P/C). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Insurance net income (L/H) / Equity (L/H) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Insurance benefits, losses, expenses / Insurance premiums . . . . . . . . . . . . . . . .

Reinsurance recovery (P/C) / Total assets (P/C) . . . . . . . . . . . . . . . . . . . . . . . . . . . .Reinsurance recovery (L/H) / Total assets (L/H). . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net assets of insurance underwriting subsidiaries / Consolidated assets . . . .Life insurance assets / Tier 1 capital + allowance for loan and lease losses. .

Broker-Dealer ActivitiesNet assets of broker-dealer subsidiaries ($000) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net assets of broker-dealer subsidiaries / Consolidated assets . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

0 0 0 0 00 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

2,833 2,542 3,263 3,532 2,882 11.45 39.492,833 2,542 3,263 3,532 2,882 11.45 39.49

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20172 2 2 2 2

0 0 48 0 0 48 0 0 48 0 0 48 0 0 4760 60 60 66.67 7540 40 40 33.33 25

0 0 0 0 0

1.41 0.40 85 1.32 0.51 83 1.09 0.37 80 1.08 0.46 81 0.77 0.44 790 0.01 46 0 0 48 0 0.03 47 0 0 48 0 0.01 47

100 66.67 100 50 600 33.33 0 50 40

0 0 48 0 0 48 0 0 48 0 0 48 0 0 4726.97 34.47 37.86 72.25 31.81

9.76 138.52 132.57 116.87 136.34

0 0 0 0 00 0 0 0 0

0 0 49 0 0 49 0 0 49 0 0 49 0 0 490 11.18 5 0 11.90 5 0 11.53 5 0 13.70 4 0 14.86 4

0 0 0 0 00 0 49 0 0 49 0 0 49 0 0 49 0 0 49

3212091 2 2

09/2020

BHC Name City/State

Foreign ActivitiesDollar Amount in Thousands

Foreign ActivitiesTotal foreign loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Real estate loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Loans to depository institutions and other banks acceptances . . . . . . . . . . . . Loans to foreign governments and institutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . Loans to individuals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Agricultural loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other foreign loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Lease financing receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Debt securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest-bearing bank balances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total selected foreign assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total foreign deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest-bearing deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Non-interest-bearing deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct Analysis RatiosYield: Foreign loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Cost: Interest-bearing deposits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Net Losses as a Percent of Foreign Loans by TypeReal estate loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Foreign governments and institutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Growth RatesNet loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total selected assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

57,723 56,120 58,109 44,032 48,9210 0 0 0 0

57,723 56,120 58,109 44,032 48,9210 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

250 250 250 249 2500 0 0 0 0

57,973 56,370 58,359 44,281 49,1710 0 0 0 00 0 0 0 00 0 0 0 0

2 2 2 2 2

0 0.06 47 0 0 48 0 0 48 0 0 48 0 0 481.32 2.26 2.53 1.85 0.84

2.89 2.35 3.83 4.38

2.86 -55.43 80 34.17 8.24 88 31.97 -47.91 86 -9.99 -27.26 64 -11.25 22.03 532.84 -29.96 75 33.97 2.97 85 31.79 -25.04 86 -9.94 5.03 36 -11.60 -5.54 42

-43.26 33.26 2.53 -2.42 -22.72

3212091 2 2

09/2020

BHC Name City/State

Servicing, Securitization and Asset Sale Activities—Part 1


1-Year 5-YearActivitySecuritization activities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Auto loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Retained credit exposure. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Auto loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Unused commitments to provide liquidity (servicer advance) . . . . . . . . . . . . . . . .Seller's interest carried as securities and loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Asset-backed commercial paper conduits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit exposure from credit enhancements provided to conduit structures . . Liquidity commitments provided to conduit structures . . . . . . . . . . . . . . . . . . . . .

Activity as a Percent of Total AssetsSecuritization activities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Auto loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial and Industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Asset-backed commercial paper conduits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit exposure from credit enhancements provided to conduit structures . . Liquidity commitments provided to conduit structures . . . . . . . . . . . . . . . . . . . . .

Percent of Total Managed Assets (On balance-sheet loans and securitized loans)1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Auto loans and other consumer loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 00 0 0 00 0 0 00 0 0 00 0 0 00 0 0 0

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

0 0 0 0 00 0 0 0 00 0 0 0 0

09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

3212091 2 2

09/2020

BHC Name City/State


Percent of Total Securitization Activities by TypeRetained credit exposure. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Auto loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Unused commitments to provide liquidity (servicer advance) . . . . . . . . . . . . . . . .Seller's interest carried as securities and loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent of Tier 1 CapitalTotal retained credit exposure. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total retained credit exposure and asset sale credit exposure . . . . . . . . . . . .


1-Year 5-Year30–89 Days Past Due Securitized Assets1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Auto loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commecial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total 30–89 days past due securitized assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

90+ Days Past Due Securitized Assets1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Auto loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total 90+ days past due securitized assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total past due securitized assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Net Losses on Securitized Assets1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Auto loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total net losses on securitized assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

0 0 0 0 00 0 0 0 0

09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

3212091 2 2

09/2020

BHC Name City/State


30–89 Days Past Due Securitized Assets Percent of Type1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Auto loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total 30–89 days past due securitized assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

90+ Days Past Due Securitized Assets Percent of Type1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Auto loans and other consumer loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total 90+ days past due securitized assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total past due securitized assets percent of securitized assets . . . . . . . . . . . . .

Net Loss on Securitized Assets Percent of Type1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Auto loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total net losses on securitized assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

30–89 Days Past Due Managed Assets Percent of Type1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total managed loans past due 30–89 days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

90+ Days Past Due Managed Assets Percent of Type1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total managed loans past due 90+ days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Total Past Due Managed Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Net Losses on Managed Assets Percent of Type1– 4 family residential loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Home equity lines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit card receivables. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial and industrial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Net Losses on Managed Assets Percent of Total Managed Assets . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

3212091 2 2

09/2020

BHC Name City/State

Parent Company Income Statement


1-Year 5-YearOperating IncomeIncome from bank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Dividends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Management and service fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Income from nonbank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Dividends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Management and service fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Income from subsidiary holding companies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Dividends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Management and service fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Total income from subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Securities gains (losses) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other operating income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Total operating income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Operating ExpensesPersonnel expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Provision for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Total operating expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Income (loss) before taxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Applicable income taxes (credit) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Extraordinary items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Income before undistributed income of subsidiaries . . . . . . . . . . . . . . . . . . . . . . .

Equity in undistributed income of subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Bank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nonbank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Subsidiary holding companies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Net income (loss) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

MemorandaBank net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonbank net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Subsidiary holding companys' net income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/2017

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

0 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 00 0 0 0 0

8,555 8,333 11,111 162,929 11,333 2.66 2.668,555 8,333 11,111 162,929 11,333 2.66 2.66

0 0 0 0 00 0 0 0 00 0 0 0 0

8,555 8,333 11,111 162,929 11,333 2.66 2.66

0 0 0 0 00 0 0 0 0

8,555 8,333 11,111 162,929 11,333 2.66 2.66

0 0 0 0 00 0 0 0 0

47 57 139 70 71 -17.540 0 0 0 0

47 57 139 70 71 -17.54

8,508 8,276 10,972 162,859 11,262 2.80 2.100 0 0 0 0

08,508 8,276 10,972 162,859 11,262 2.80 2.10

13,552 14,882 42,805 -68,665 80,311 -8.94 -79.650 0 0 0 00 0 0 0 0

13,552 14,882 42,805 -68,665 80,311 -8.94 -79.65

22,060 23,158 53,777 94,194 91,573 -4.74 -70.56

0 0 0 0 00 0 0 0 0

22,107 23,215 53,916 94,264 91,644 -4.77 -70.50

3212091 2 2

09/2020

BHC Name City/State

Parent Company Balance Sheet

Dollar Amount in Thousands

% of Total

Assets

% of Total

Assets

% of Total

AssetsPercent Change

1-Year 5-YearAssetsInvestment in bank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Common and preferred stock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Excess cost over fair value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Loans, advances, notes, and bonds. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other receivables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Investment in nonbank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Common and preferred stock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Excess cost over fair value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Loans, advances, notes, and bonds. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other receivables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Investment in subsidiary holding companies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Common and preferred stock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Excess cost over fair value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Loans, advances, notes, and bonds. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other receivables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Assets Excluding Investment in SubsidiariesNet loans and leases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Securities purchased (reverse repos) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Cash and due from affiliated depository institution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Cash and due from unrelated depository institution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Premises, furnishings, fixtures and equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Intangible assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Balance due from subsidiaries and related institutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Liabilities and CapitalDeposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Securities sold (repos) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Commercial paper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other borrowings 1 year or less . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Borrowings with maturity over 1 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Subordinated notes and debentures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Other liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Balance due to subsidiaries and related institutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equity Capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Perpetual preferred stock (income surplus) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Common stock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Common surplus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Retained earnings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Accumulated other comprehensive income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other equity capital components . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total liabilities and equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

MemorandaLoans and advances from bank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans and advances from nonbank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Notes payable to subsidiaries that issued TPS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Loans and advances from subsidiary holding companies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Subordinated and long-term debt 1 year or less. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Guaranteed loans to banks, nonbanks, and holding companies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/201912/31/2018

12/31/2017

0 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 0

985,029 99.92 956,536 99.93 990,935 99.93 943,413 996,435 2.98 12.94982,251 99.64 953,758 99.64 988,157 99.65 940,635 993,657 2.99 12.98

0 0 0 0 0 0 0 00 0 0 0 0 0 0 0

2,778 0.28 2,778 0.29 2,778 0.28 2,778 2,778 0.00 0.00

0 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 0

790 0.08 697 0.07 650 0.07 754 824 13.34 -3.540 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 0

985,819 100.00 957,233 100.00 991,585 100.00 944,167 997,259 2.99 12.92

0 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 0

2,778 0.28 2,778 0.29 2,778 0.28 2,778 2,778 0.00 0.005 0 6 0 40 0 6 6 -16.67

2,783 0.28 2,784 0.29 2,818 0.28 2,784 2,784 -0.04 0.18983,036 99.72 954,449 99.71 988,767 99.72 941,383 994,475 3.00 12.96

0 0 0 0 0 0 0 00 0 0 0 0 0 0 0

434,363 44.06 434,363 45.38 434,363 43.80 434,363 423,328 0.00 2.60588,014 59.65 546,446 57.09 574,287 57.92 531,621 600,356 7.61 18.66-39,341 -3.99 -26,360 -2.75 -19,883 -2.01 -24,601 -29,209

0 0 0 0 0 0 0 0985,819 100.00 957,233 100.00 991,585 100.00 944,167 997,259 2.99 12.92

0 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 0 0 0 0

3212091 2 2

09/2020

BHC Name City/State

Parent Company Analysis—Part 1

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctProfitabilityNet income / Average equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Bank net income / Average equity investment in banks . . . . . . . . . . . . . . . . . . . . .Nonbank net income / Average equity investment in nonbanks . . . . . . . . . . . . .Subsidiary HCs net income / Average equity investment in sub HCs . . . . . . . .Bank net income / Parent net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonbank net income / Parent net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Subsidiary holding companies' net income / Parent net income . . . . . . . . . . . . .

LeverageTotal liabilities / Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total debt / Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total debt + notes payable to subs that issued TPS / Equity capital . . . . . . . . .Total debt + Loans guaranteed for affiliate / Equity capital . . . . . . . . . . . . . . . . . .Total debt / Equity capital – excess over fair value . . . . . . . . . . . . . . . . . . . . . . . . . .Long-term debt / Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Short-term debt / Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Current portion of long-term debt / Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . .Excess cost over fair value / Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Long-term debt / Consolidated long-term debt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Double LeverageEquity investment in subs / Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total investment in subs / Equity capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Equity investment in subs / Equity cap, Qual TPS + other PS in T1 . . . . . . . . .Total investment in subs / Equity cap, Qual TPS + other PS in T1 . . . . . . . . . .

Double Leverage PaybackEquity investment in subs – equity cap / Net income (X) . . . . . . . . . . . . . . . . . . . .Equity investment in subs – equity cap / Net income-div (X). . . . . . . . . . . . . . . . .

Coverage AnalysisOperating income-tax + noncash / Operating expenses + dividends . . . . . . . .Cash from ops + noncash items + op expense / Op expense + dividend . . . .Adjusted cash flow / Operating expenses + repaid long-term debt + dividends . .Pretax operating income + interest expense / Interest expense . . . . . . . . . . . . .Pretax op inc + interest expense + trust pref / Interest expense + trust pref . .Dividends + interest from subsidiaries / Interest expense + dividends . . . . . . .Fees + other income from subsidiaries / Salary + other expenses. . . . . . . . . . .Net income / Current part of long-term debt + preferred dividends (X). . . . . . .

Other RatiosNet assets that reprice within 1 year / Total assets . . . . . . . . . . . . . . . . . . . . . . . . . .

Past Due and Nonaccrual as a Percent of Loans and Leases90+ days past due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Nonaccrual. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Guaranteed Loans as a Percent of Equity CapitalTo bank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .To nonbank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .To subsidiary holding companies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

As a Percent of Consolidated Holding Company AssetsNonbank assets of nonbank subsidiaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Combined thrift assets (reported only by bank holding companies). . . . . . . . . .Combined foreign nonbank subsidiary assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20172 2 2 2 2

3.02 8.40 9 3.26 10.57 3 5.64 10.58 8 9.64 11.03 37 9.79 8.67 658.88 10.96 10.85 11.56 9.119.06 12.02 12.07 10.83 9.81

3.02 8.28 20 3.27 15.32 12 5.64 15.16 10 9.71 9.40 44 9.78 8.81 500 105.53 3 0 104.48 2 0 103.77 3 0 104.73 2 0 104.64 20 1.04 25 0 1 26 0 1.08 24 0 0.99 23 0 1.13 22

100.21 102.56 44 100.25 89.40 62 100.26 92.33 60 100.07 90.39 55 100.08 90.33 71

0.28 11.32 15 0.29 9.09 14 0.29 9.66 15 0.30 9.50 14 0.28 11.14 160 5.49 23 0 3.88 26 0 3.93 27 0 3.94 26 0 4.62 260 9.36 13 0 7.70 12 0 7.99 13 0 7.93 12 0 9.36 120 5.51 23 0 3.93 26 0 3.97 27 0 3.98 26 0 4.64 260 5.49 23 0 3.88 26 0 3.93 27 0 3.94 26 0 4.62 260 5.35 25 0 3.80 27 0 3.86 27 0 3.76 28 0 4.39 270 0.02 46 0 0 46 0 0.01 46 0 0.03 45 0 0.02 460 0 47 0 0 46 0 0 47 0 0 46 0 0 460 0 46 0 0 46 0 0 46 0 0 46 0 0 460 18.67 24 0 14.81 26 0 14.37 26 0 15.49 26 0 17.83 25

99.92 104.45 32 99.93 104.19 31 99.94 104.21 34 99.92 104.10 32 99.92 105.17 30100.20 104.77 39 100.22 104.47 35 100.22 104.48 37 100.22 104.38 37 100.20 105.55 35

-0.03 0.50 30 -0.02 0.44 29 -0.01 0.44 32 -0.01 0.36 33 -0.01 0.56 301.95 1.43 1.47 1.18 1.91

102.09 120.54 44 99.32 132.48 37 98.76 149.98 29 862.47 113.37 98 101.35 96.31 53101.67 139.03 36 99.32 139.35 34 99.08 148.90 23 862.47 123.74 98 101.35 100.80 46101.67 139.29 48 99.32 100.89 44 99.08 105.99 34 99.63 108.88 43 101.35 101.42 43

2,350.94 15,124.34 17,211.14 1,631.73 1,955.221,495.68 2,323.99 2,475.76 1,015.91 1,082.59

102.66 139.75 32 100 183.09 28 100 196.13 20 865.68 140.89 97 102 107.07 470 4.08 39 0 2.93 40 0 3.91 38 0 3.76 37 0 6.15 36

184.24 136.64 71.69 106.04 71.32

0 2.05 31 0 1.43 32 0 1.59 31 0 1.59 31 0 1.68 30

0 0 0 0 00 7.57 8.16 0.70 0.460 7.57 8.16 0.70 0.46

0 0 49 0 0 49 0 0 49 0 0 49 0 0 490 0 49 0 0 49 0 0 49 0 0 49 0 0 500 0 50 0 0 50 0 0 50 0 0 50 0 0 500 0 49 0 0 49 0 0 49 0 0 49 0 0 49

0.19 0.10 80 0.23 0.13 80 0.22 0.13 79 0.22 0.14 79 0.20 0.15 760 0 50 0 0 50 0 0 50 0 0 50 0 0 500 0 49 0 0 50 0 0 49 0 0 49 0 0 49

3212091 2 2

09/2020

BHC Name City/State

Parent Company Analysis—Part 2

BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # Pct BHC Peer # PctPayout Ratios — ParentDividends declared / Income before undistributed income. . . . . . . . . . . . . . . . . . .Dividends declared / Net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Net income – dividends / Average equity. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent of Dividends PaidDividends from bank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Dividends from nonbank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Dividends from subsidiary holding companies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Dividends from all subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Payout Ratios — Subsidiaries:Percent of Bank Net IncomeDividends from bank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest income from bank subsidiaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Management and service fees from bank subsidiaries . . . . . . . . . . . . . . . . . . . . . .Other income from bank subsidiaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Operating income from bank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent of Nonbank Net IncomeDividends from nonbank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest income from nonbank subsidiaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Management and service fees from nonbank subsidiaries . . . . . . . . . . . . . . . . . .Other income from nonbank subsidiaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Operating income from nonbank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Percent of Subsidiary Holding Companies' Net IncomeDividends from subsidiary holding companies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest income from subsidiary holding companies . . . . . . . . . . . . . . . . . . . . . . . . .Management and service fees from subsidiary holding companies. . . . . . . . . .Other income from subsidiary holding companies . . . . . . . . . . . . . . . . . . . . . . . . . . . Operating income from subsidiary holding companies. . . . . . . . . . . . . . . . . . . . .

Dependence on Subsidiaries:Percent of Total Operating IncomeDividends from bank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest income from bank subsidiaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Management and service fees from bank subsidiaries . . . . . . . . . . . . . . . . . . . . . .Other income from bank subsidiaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Operating income from bank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Dividends from nonbank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest income from nonbank subsidiaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Management and service fees from nonbank subsidiaries . . . . . . . . . . . . . . . . . .Other income from nonbank subsidiaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Operating income from nonbank subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Dividends from subsidiary holding companies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Interest income from subsidiary holding companies . . . . . . . . . . . . . . . . . . . . . . . . .Management and service fees from subsidiary holding companies. . . . . . . . . .Other income from subsidiary holding companies . . . . . . . . . . . . . . . . . . . . . . . . . . . Operating income from subsidiary holding companies. . . . . . . . . . . . . . . . . . . . .

Loans and advances from subsidiaries / Short term debt. . . . . . . . . . . . . . . . . . . .Loans and advances from subsidiaries / Total debt . . . . . . . . . . . . . . . . . . . . . . . . .




09/30/2020 09/30/2019 12/31/2019 12/31/2018 12/31/20172 2 2 2 2

97.94 82.15 63 100.69 71.76 76 101.27 65.39 82 11.56 87.25 9 98.66 100.86 5737.77 32.07 57 35.98 26.20 61 20.66 25.65 39 19.98 24.10 41 12.13 32.32 26

1.88 5.51 18 2.08 7.55 9 4.47 7.61 15 7.71 8.12 45 8.60 5.74 81

0 140.63 6 0 145.69 8 0 160.93 7 0 131.90 7 0 106.72 80 1.98 29 0 1.51 31 0 2.59 28 0 2.83 26 0 2.37 25

102.66 0 96 100 0 98 100 0 97 865.68 0 99 102 0 98102.66 167.32 24 100 162.91 23 100 209.89 15 865.68 144.51 97 102 114.69 38

46.20 40.98 45.74 33.37 35.180.06 0.10 0.09 0.11 0.140.48 0.30 0.47 0.32 0.94

0 0 0 0.01 055.68 42.74 48.27 35.67 41.35

71.88 56.83 76.61 80.47 129.020.05 1.14 0.91 0.31 0.630.02 0 0.02 0.17 0.60

0 0.02 0.01 0.06 0.0874.58 61.40 83.73 96.62 153.75

38.70 31.53 66 35.89 78.63 62 20.61 65.48 50 172.84 43.51 88 12.37 58.43 500 0 50 0 0 43 0 0 45 0 0 44 0 0.07 430 0 50 0 0 50 0 0 50 0 0 50 0 -0.14 560 0 50 0 0 50 0 0 50 0 0.15 44 0 0 50

38.70 31.53 66 35.89 78.63 62 20.61 65.48 50 172.84 43.66 88 12.37 58.36 50

0 74.13 9 0 76.83 9 0 76.91 8 0 72.95 9 0 67.33 110 0.83 33 0 1.51 30 0 0.24 32 0 0.55 29 0 1.07 280 1.06 44 0 0.53 43 0 0.75 43 0 0.59 43 0 2.14 410 0.01 45 0 0.01 46 0 0.01 46 0 0.01 44 0 0.01 450 84.94 5 0 95.23 4 0 93.96 4 0 89.39 4 0 79.76 5

0 1.42 30 0 1.20 31 0 1.21 29 0 2.65 26 0 1.78 270 0 45 0 0.01 45 0 0 45 0 0 46 0 0 460 0 48 0 0 48 0 0 48 0 0 47 0 0 470 0 47 0 0 48 0 0 47 0 0 47 0 0 460 1.76 25 0 1.37 27 0 1.65 25 0 3.33 23 0 3.09 22

100 0 99 100 0 99 100 0 98 100 0 99 100 0 990 0 50 0 0 49 0 0 49 0 0 49 0 0 490 0 50 0 0 50 0 0 50 0 0 50 0 0 500 0 49 0 0 49 0 0 49 0 0 49 0 0 49

100 0 99 100 0 99 100 0 98 100 0 99 100 0 99

474.53 1,863.71 1,178.56 854.19 886.4758.32 59.94 70.71 81.26 74.60

3212091 2 2

Date post:	04-Dec-2021
Category:	Documents
Upload:	others
View:	1 times
Download:	0 times

Bank Holding Company Performance Report September 30, 2020 ...

Documents