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



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Statistics at a Glance
As of December 31, 2004
Dollar Amounts in Billions
Fourth Quarter 2004
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 8,975 7,630 1,345 5 1,730 34 4,424 990 132 465 1,120 75
Number of FDIC-Supervised 5,262 4,804 459 0 1,190 11 2,607 404 70 264 682 34
Total Assets $ 10,105 8,413 1,692 1,881 138 382 3,301 1,504 104 52 144 2,598
Total Loans $ 6,119 4,905 1,214 799 88 294 2,279 1,061 83 13 80 1,422
Domestic Deposits $ 5,718 4,727 991 559 113 106 2,320 863 58 38 117 1,545
Net Income (QTR) $ 31.771 27.030 4.740 3.626 0.372 3.264 10.274 4.526 0.418 0.229 0.369 8.693
Percent Profitable (QTR) % 90.8 90.6 91.9 100.0 90.0 88.2 91.7 91.7 93.9 80.4 91.6 94.7
Average Return on Assets (QTR) % 1.28 1.30 1.14 0.77 1.09 3.63 1.26 1.23 1.51 1.77 1.03 1.36
Average Return on Equity (QTR) % 12.57 13.08 10.31 9.68 10.05 18.89 12.71 11.78 14.31 10.42 9.52 13.18
Net Interest Margin (QTR) % 3.63 3.73 3.18 2.60 4.14 9.47 3.97 3.05 4.74 3.28 3.90 3.37
Equity to Assets % 10.28 10.10 11.18 8.05 10.79 20.52 10.09 10.55 11.36 16.94 10.79 10.25
Noncurrent Loan Rate - Total Loans * % 0.80 0.86 0.56 1.29 0.92 1.98 0.63 0.54 0.64 0.98 0.86 0.74
Real Estate Loans % 0.61 0.65 0.51 0.94 0.84 0.09 0.56 0.54 0.34 0.93 0.84 0.70
C&I Loans % 1.16 1.17 1.00 2.09 1.57 1.16 0.90 0.84 0.76 1.41 1.33 1.02
Consumer Loans % 1.40 1.46 0.83 2.07 0.79 2.18 0.55 0.37 0.76 1.02 0.78 0.77
Coverage Ratio ** % 167.78 174.64 125.38 135.34 156.74 215.84 206.31 97.06 259.42 168.43 155.30 156.27
Net Charge-Off Rate - All Loans (QTR) % 0.61 0.68 0.28 1.10 0.32 4.67 0.35 0.15 1.44 0.54 0.40 0.24
Real Estate Loans (QTR) % 0.08 0.10 0.05 0.18 0.12 0.09 0.10 0.05 0.14 0.10 0.13 0.05
C&I Loans (QTR) % 0.58 0.53 1.33 0.49 0.93 0.45 0.71 0.76 2.46 0.65 1.00 0.30
Consumer Loans (QTR) % 2.97 3.05 2.27 3.62 0.98 5.22 1.39 1.66 2.19 2.42 1.30 1.21
Fourth Quarter 2003
Number of FDIC-Insured 9,181 7,770 1,411 6 1,766 36 4,253 1,033 157 529 1,310 91
Number of FDIC-Supervised 5,319 4,836 483 0 1,224 11 2,499 409 80 280 774 42
Total Assets $ 9,075 7,601 1,474 1,448 129 348 2,924 1,658 147 61 172 2,189
Total Loans $ 5,434 4,429 1,006 572 79 267 1,960 1,135 121 16 96 1,189
Domestic Deposits $ 5,213 4,288 925 367 107 105 2,070 997 70 45 142 1,311
Net Income (QTR) $ 30.984 26.456 4.528 4.390 0.335 3.817 8.800 5.284 0.388 0.518 0.395 7.058
Percent Profitable (QTR) % 89.5 89.5 89.6 100.0 89.2 88.9 90.1 90.5 86.6 82.0 90.5 90.1
Average Return on Assets (QTR) % 1.38 1.41 1.24 1.22 1.05 4.64 1.22 1.26 1.07 3.41 0.93 1.31
Average Return on Equity (QTR) % 15.09 15.45 13.31 16.66 9.77 28.11 13.18 14.08 14.30 20.93 8.82 14.72
Net Interest Margin (QTR) % 3.75 3.85 3.22 3.06 4.05 8.82 3.93 3.21 4.83 3.03 3.86 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 10.45 8.87
Noncurrent Loan Rate - Total Loans * % 1.12 1.20 0.80 2.24 1.15 2.04 0.88 0.95 1.07 0.97 1.07 0.95
Real Estate Loans % 0.83 0.86 0.77 1.30 1.03 0.40 0.75 0.97 1.20 0.84 1.03 0.63
C&I Loans % 2.06 2.10 1.29 4.25 1.88 1.28 1.39 1.30 2.06 1.61 1.66 2.18
Consumer Loans % 1.46 1.53 0.85 2.59 0.87 2.19 0.64 0.29 0.76 1.12 0.89 0.73
Coverage Ratio ** % 140.35 145.71 104.97 102.23 132.83 235.19 166.41 75.69 158.32 183.49 129.69 158.47
Net Charge-Off Rate - All Loans (QTR) % 0.80 0.91 0.29 1.36 0.43 5.31 0.49 0.13 2.82 0.56 0.46 0.56
Real Estate Loans (QTR) % 0.20 0.26 0.04 0.10 0.17 0.17 0.16 0.05 2.55 0.12 0.15 0.34
C&I Loans (QTR) % 1.09 1.13 1.40 1.57 0.26 5.87 1.00 0.21 2.70 1.12 1.15 0.94
Consumer Loans (QTR) % 3.09 3.10 3.01 3.29 0.80 5.86 1.52 1.31 3.10 2.10 1.44 1.44

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

Last Updated 02/24/2005 Questions, Suggestions & Requests