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December 31, September 30, December 31, December 31, December 31, (Dollars in millions, except share data) 2022 2022 2021 2022 2021 Interest income: Loans $

December 31, September 30, December 31, December 31, December 31,

(Dollars in millions, except share data) 2022 2022 2021 2022 2021

Interest income:
Loans $ 1,119 $ 865 $ 544 $ 3,208 $ 1,966
Investment securities:
Taxable 495 545 392 2,113 1,199
Non-taxable 35 35 33 140 106
Federal funds sold, securities purchased under agreements to resell and other short-term investment securities 107 76 6 212 18
Total interest income 1,756 1,521 975 5,673 3,289
Interest expense:
Deposits 514 249 21 862 62
Borrowings 204 74 15 326 48
Total interest expense 718 323 36 1,188 110
Net interest income 1,038 1,198 939 4,485 3,179
Provision for credit losses 141 72 48 420 123
Net interest income after provision for credit losses 897 1,126 891 4,065 3,056
Noninterest income:
Gains/(loss) on investment securities, net (86) (127) 100 (285) 761
Gains on equity warrant assets, net 28 40 69 148 560
Client investment fees 149 119 20 386 75
Wealth management and trust fees 20 19 22 83 44
Foreign exchange fees 69 74 73 285 262
Credit card fees 36 37 38 150 131
Deposit service charges 32 32 30 126 112
Lending related fees 29 20 21 94 76
Letters of credit and standby letters of credit fees 14 15 12 57 51
Investment banking revenue 127 75 124 420 459
Commissions 25 24 21 98 79
Other 47 31 31 166 128
Total noninterest income 490 359 561 1,728 2,738
Noninterest expense:
Compensation and benefits 644 563 597 2,293 2,015
Professional services 125 117 110 480 392
Premises and equipment 80 71 54 269 178
Net occupancy 27 25 23 101 83
Business development and travel 23 21 11 85 24
FDIC and state assessments 18 25 15 75 48
Merger-related charges 11 7 27 50 129
Other 80 63 65 268 201
Total noninterest expense 1,008 892 902 3,621 3,070
Income before income tax expense 379 593 550 2,172 2,724
Income tax expense 74 175 142 563 651
Continued on the following page
Net income before noncontrolling interests and dividends 305 418 408 1,609 2,073
Net (income)/loss attributable to noncontrolling interests 10 51 (14) 63 (240)
Preferred stock dividends (40) (40) (23) (163) (63)
Net income available to common stockholders $ 275 $ 429 $ 371 $ 1,509 $ 1,770
Earnings per common sharebasic $ 4.65 $ 7.26 $ 6.32 $ 25.58 $ 31.74
Earnings per common sharediluted 4.62 7.21 6.22 25.35 31.25
Weighted average common shares outstandingbasic 59,112,507 59,096,090 58,702,618 58,987,169 55,762,874
Weighted average common shares outstandingdiluted 59,454,723 59,549,402 59,623,961 59,515,565 56,637,591

December 31, September 30, December 31,

(Dollars in millions, except par value and share data) 2022 2022 2021

Assets:
Cash and cash equivalents $ 13,803 $ 13,968 $ 14,586
Available-for-sale securities, at fair value (cost $28,602, $29,502 and $27,370, respectively) 26,069 26,711 27,221
Held-to-maturity securities, at amortized cost and net of allowance for credit losses of $6, $6 and $7 (fair value of $76,169, $77,370 and $97,227), respectively 91,321 93,286 98,195
Non-marketable and other equity securities 2,664 2,595 2,543
Investment securities 120,054 122,592 127,959
Loans, amortized cost 74,250 72,129 66,276
Allowance for credit losses: loans (636) (557) (422)
Net loans 73,614 71,572 65,854
Premises and equipment, net of accumulated depreciation and amortization 394 346 270
Goodwill 375 375 375
Other intangible assets, net 136 142 160
Lease right-of-use assets 335 349 313
Accrued interest receivable and other assets 3,082 3,523 1,791
Total assets $ 211,793 $ 212,867 $ 211,308
Liabilities and total equity:
Liabilities:
Noninterest-bearing demand deposits $ 80,753 $ 93,988 $ 125,851
Interest-bearing deposits 92,356 82,831 63,352
Total deposits 173,109 176,819 189,203
Short-term borrowings 13,565 13,552 71
Lease liabilities 413 429 388
Other liabilities 3,041 2,889 2,467
Long-term debt 5,370 3,368 2,570
Total liabilities 195,498 197,057 194,699
SVBFG stockholders equity:
Preferred stock, $0.001 par value, 20,000,000 shares authorized; 383,500 shares, 383,500 shares and 383,500 shares issued and outstanding, respectively 3,646 3,646 3,646
Common stock, $0.001 par value, 150,000,000 shares authorized; 59,171,883 shares, 59,104,124 shares and 58,748,469 shares issued and outstanding, respectively
Additional paid-in capital 5,318 5,272 5,157
Retained earnings 8,951 8,676 7,442
Accumulated other comprehensive (loss) income (1,911) (2,085) (9)
Total SVBFG stockholders equity 16,004 15,509 16,236
Noncontrolling interests 291 301 373
Total equity 16,295 15,810 16,609
Total liabilities and total equity $ 211,793 $ 212,867 $ 211,308

1. Perform vertical analyses of the income statement and balance sheet for the year ended December 31, 2022.

Income statement items should be presented as a percentage of net interest income (after provision for credit losses)

Balance sheet items should be presented as a percentage of total assets.

2. Perform horizontal analyses of the income statement and balance sheet for the year ended December 31, 2022. Present each financial statement item as a year-over-year percentage change using 2021 as the base year as follows:

(Current Balance - Prior Year Balance)/Prior Year Balance

Note- be careful of negative balances. If a prior years balance is negative, you will need to use the absolute value of the prior years balance as your denominator.

3. Calculate the following ratios for the year ended December 31, 2022:

Return on average assets

Return on equity

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