Each depositor insured to at least $250,000 per insured bank



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Statistics at a Glance

As of June 30, 2001

  Commercial Banks Savings Institutions Total
Dollar Amounts in Billions 2nd Qtr 2001 2nd Qtr 2000 2nd Qtr 2001 2nd Qtr 2000 2nd Qtr 2001
Number of FDIC-Insured 8,178 8,477 1,569 1,624 9,747
Number of FDIC-Supervised 5,027 5,178 520 533 5,547
Total Assets $ 6,360 5,983 1,275 1,179 7,635
Total Loans $ 3,859 3,704 861 799 4,720
Domestic Deposits $ 3,565 3,289 776 716 4,341
Net Income $ 19.164 14.702 3.354 2.752 22.518
Percent Profitable % 92.9 93.0 89.1 92.0 92.2
Average Return on Assets % 1.24 0.99 1.01 0.99 1.20
Assets under $1 Billion % 1.19 1.28 0.70 0.80 1.08
Assets over $1 Billion % 1.25 1.14 1.10 1.05 1.22
Average Return on Equity % 14.31 11.81 11.90 12.02 13.92
Net Interest Margin % 3.86 3.99 3.10 3.02 3.73
Equity to Assets % 8.76 8.41 8.51 8.16 8.71
Noncurrent Loans * % 1.26 0.99 0.77 0.65 1.18
Real Estate Loans % 0.91 0.77 0.74 0.62 0.86
C&I Loans % 2.03 1.41 1.66 1.25 2.01
Consumer Loans % 1.39 1.32 0.74 0.72 1.32
Coverage Ratio ** % 134.71 169.01 114.55 134.12 132.04
Net Charge-Off Rate % 0.78 0.58 0.25 0.18 0.68
Real Estate Loans % 0.12 0.07 0.05 0.03 0.10
C&I Loans % 1.05 0.60 1.23 0.58 1.05
Consumer Loans % 2.48 2.23 1.92 1.66 2.43

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

All Insured Institutions 2nd Qtr
2001 YTD
2000 1999 1998 1997 1996
Credit Card Loans
Held on Balance Sheet $ 226 266 227 242 243 242
Securitized and Sold $ 308 306 395 261 193 156
Unused Commitments $ 2,727 2,537 2,129 2,042 1,677 1,402
Total Credit Card Lines $ 3,261 3,108 2,751 2,544 2,112 1,799
Credit Card Loss Rate % 5.10 4.28 4.39 5.15 5.10 4.32
No of Personal Bankruptcies 390,064 1,217,628 1,281,360 1,397,695 1,349,510 1,124,286



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