FDIC INSURANCE FUND RESERVE RATIOS 1997 - 2002

Percent of Insured Deposits

Month and Year Bank Insurance Fund
BIF
Savings Association Insurance Fund
SAIF
12/97 1.38 1.36
12/98 1.39 1.37
12/99 1.37 1.43
12/00 1.35 1.43
3/01 1.33 1.43
6/01 1.33 1.40
9/01 1.32 1.39
12/01 1.26 1.36
3/02 1.24 1.36

Note: A reserve ratio is the fund balance as a percentage of estimated insured deposits. As with other Call report items, prior periods may reflect adjustments. Only year-end fund balances are audited. BIF-insured deposit totals include U.S. branches of foreign banks.