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



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Statistics at a Glance

As of December 31, 2002

Dollar Amounts in Billions

Commercial Banks

Savings Institutions

Total

4th Qtr 2002 4th Qtr 2001 4th Qtr 2002 4th Qtr 2001 4th Qtr 2002
Number of FDIC-Insured 7,887 8,079 1,467 1,534 9,354
Number of FDIC-Supervised 4,859 4,971 493 513 5,352
Total Assets $ 7,075 6,552 1,359 1,317 8,434
Total Loans $ 4,160 3,889 897 878 5,057
Domestic Deposits $ 4,031 3,748 879 812 4,910
Net Income $ 21.657 18,446 3.986 3.657 25.643
Percent Profitable % 89.3 87.2 92.0 89.8 89.7
Average Return on Assets % 1.24 1.12 1.18 1.13 1.23
Assets under $1 Billion % 1.12 1.03 0.51 0.76 0.99
Assets over $1 Billion % 1.26 1.14 1.36 1.23 1.27
Average Return on Equity % 13.46 12.49 12.45 12.96 13.30
Net Interest Margin % 4.04 4.16 3.33 3.41 3.92
Equity to Assets % 9.16 9.06 9.47 8.60 9.21
Noncurrent Loans * % 1.46 1.41 0.93 0.86 1.36
Real Estate Loans % 0.89 0.96 0.90 0.82 0.89
C&I Loans % 2.92 2.41 1.99 1.92 2.88
Consumer Loans % 1.51 1.48 0.67 0.72 1.44
Coverage Ratio ** % 127.13 131.72 98.91 102.59 123.72
Net Charge-Off Rate % 1.10 1.32 0.41 0.34 0.97
Real Estate Loans % 0.18 0.22 0.10 0.05 0.16
C&I Loans % 1.75 2.42 2.95 1.09 1.80
Consumer Loans % 3.14 3.36 2.41 2.097 3.08

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

All Insured Institutions 2002 2001 2000 1999 1998
Credit Card Loans
Held on Balance Sheet $ 292 250 266 227 242
Securitized and Sold $ 378 339 301 293 259
Unused Commitments $ 3,361 2,885 2,539 2,129 2,042
Total Credit Card Lines $ 4,031 3,474 3,106 2,649 2,543
Credit Card Loss Rate $ 6.22 5.16 4.36 4.39 5.15
No of Personal Bankruptcies 1,537,730 1,451,575 1,217,628 1,281,360 1,397,695



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