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



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Statistics at a Glance

As of December 31, 2003

Dollar Amounts in Billions
Fourth Quarter 2003
All Insured Institutions Commercial Banks Savings Institutions Asset Concentration Group
International Banks Agricultural Banks Credit Card Lenders Commercial Lenders Mortgage Lenders Consumer Lenders Other Specialized < $1 Billion All Other < $1Billion All Other > $1Billion
Number of FDIC-Insured 9,182 7,769 1,413 6 1,765 36 4,250 1,033 158 530 1,313 91
Number of FDIC-Supervised 5,318 4,833 485 0 1,223 11 2,497 409 80 281 775 42
Total Assets $ 9,077 7,602 1,474 1,448 129 348 2,923 1,658 147 61 173 2,190
Total Loans $ 5,434 4,429 1,006 572 79 267 1,959 1,135 121 16 96 1,189
Domestic Deposits $ 5,213 4,288 925 367 107 105 2,068 997 71 45 142 1,311
Net Income (QTR) $ 31.128 26.595 4.533 4.390 0.338 3.826 8.855 5.365 0.389 0.497 0.403 7.065
Percent Profitable (QTR) % 90.0 90.0 89.8 100.0 89.6 91.7 90.7 90.8 88.0 81.7 90.9 90.1
Average Return on Assets (QTR) % 1.38 1.41 1.24 1.22 1.06 4.65 1.22 1.28 1.07 3.28 0.94 1.31
Average Return on Equity (QTR) % 15.16 15.53 13.32 16.66 9.86 28.18 13.26 14.29 14.31 20.11 8.96 14.73
Net Interest Margin (QTR) % 3.75 3.86 3.22 3.06 4.05 8.78 3.93 3.21 4.83 3.03 3.85 3.48
Equity to Assets % 9.15 9.10 9.41 7.39 10.64 16.04 9.24 9.10 7.30 16.74 10.44 8.87
Noncurrent Loan Rate - Total Loans * % 1.12 1.19 0.80 2.24 1.15 2.03 0.88 0.95 1.07 0.97 1.06 0.95
Real Estate Loans % 0.83 0.86 0.77 1.30 1.03 0.40 0.75 0.97 1.20 0.85 1.02 0.63
C&I Loans % 2.05 2.10 1.29 4.23 1.87 1.28 1.40 1.30 2.06 1.61 1.64 2.18
Consumer Loans % 1.46 1.52 0.85 2.59 0.87 2.18 0.63 0.29 0.76 1.12 0.89 0.73
Coverage Ratio ** % 140.41 145.79 104.97 102.23 132.89 236.49 166.46 75.65 158.24 182.42 130.24 158.47
Net Charge-Off Rate - All Loans (QTR) % 0.79 0.91 0.28 1.36 0.43 5.31 0.48 0.13 2.76 0.52 0.45 0.56
Real Estate Loans (QTR) % 0.20 0.25 0.04 0.10 0.17 0.17 0.16 0.05 2.55 0.12 0.15 0.34
C&I Loans (QTR) % 1.08 1.12 0.39 1.56 1.27 5.87 1.00 0.20 2.70 1.12 1.14 0.94
Consumer Loans (QTR) % 3.07 3.08 3.01 3.29 0.80 5.86 1.47 1.32 2.99 1.87 1.44 1.44
Fourth Quarter 2002
Number of FDIC-Insured 9,354 7,887 1,467 5 1,823 40 4,070 1,107 196 488 1,525 100
Number of FDIC-Supervised 5,353 4,860 493 0 1,259 13 2,359 426 106 257 900 33
Total Assets $ 8,436 7,077 1,359 1,274 124 299 2,960 1,342 166 60 197 2,013
Total Loans $ 5,053 4,156 897 524 76 226 2,001 880 133 16 112 1,086
Domestic Deposits $ 4,910 4,032 879 319 103 105 2,080 815 83 43 162 1,202
Net Income (QTR) $ 25.446 21.455 3.992 1.336 0.310 2.773 9.354 4.610 0.588 -0.131 0.500 6.107
Percent Profitable (QTR) % 89.0 88.6 91.1 60.0 86.7 82.5 89.7 91.8 89.8 79.1 90.6 97.0
Average Return on Assets (QTR) % 1.22 1.23 1.18 0.43 1.02 3.78 1.28 1.39 1.41 -0.80 1.02 1.22
Average Return on Equity (QTR) % 13.20 13.34 12.47 5.92 9.33 24.37 13.62 15.25 19.15 -4.71 9.56 13.41
Net Interest Margin (QTR) % 3.91 4.03 3.33 3.28 4.17 8.77 4.11 3.38 4.73 2.76 4.08 3.56
Equity to Assets % 9.20 9.15 9.46 7.14 10.76 15.49 9.36 9.08 7.35 17.18 10.62 9.10
Noncurrent Loan Rate - Total Loans * % 1.36 1.46 0.93 2.76 1.20 2.15 1.15 0.95 1.46 1.59 1.01 1.29
Real Estate Loans % 0.89 0.89 0.90 1.50 1.09 0.60 0.84 0.94 1.29 1.67 0.94 0.76
C&I Loans % 2.88 2.92 2.00 5.32 1.86 1.82 2.13 1.80 2.75 2.83 1.66 3.07
Consumer Loans % 1.43 1.51 0.67 2.25 0.83 2.30 0.76 0.59 1.39 0.72 0.84 0.59
Coverage Ratio ** % 123.74 127.17 98.84 85.87 125.24 223.16 139.70 80.43 108.46 108.87 135.81 129.58
Net Charge-Off Rate - All Loans (QTR) % 0.98 1.10 0.41 1.73 0.45 5.36 0.66 0.29 1.15 2.33 0.51 0.90
Real Estate Loans (QTR) % 0.16 0.18 0.10 0.16 0.15 0.23 0.17 0.11 0.24 0.87 0.14 0.18
C&I Loans (QTR) % 1.83 1.78 2.98 2.18 1.17 5.89 1.39 2.80 2.44 0.89 1.44 2.18
Consumer Loans (QTR) % 3.08 3.15 2.40 3.68 0.99 5.74 1.77 1.26 1.56 9.27 1.51 1.68

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans




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