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



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Statistics at a Glance
As of December 31, 2005
Dollar Amounts in Billions
Fourth Quarter 2005
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 8,832 7,527 1,305 4 1,685 33 4,617 886 125 425 995 62
Number of FDIC-Supervised 5,245 4,802 443 0 1,159 13 2,771 351 68 254 599 30
Total Assets $ 10,877 9,040 1,837 1,851 142 358 4,257 1,655 117 48 129 2,320
Total Loans $ 6,716 5,380 1,336 830 92 272 2,914 1,196 93 11 71 1,237
Domestic Deposits $ 6,221 5,153 1,068 589 116 94 2,961 961 70 34 105 1,292
Net Income (QTR) $ 32.886 27.709 5.177 3.664 0.395 1.963 13.962 4.199 0.396 0.442 0.307 7.557
Percent Profitable (QTR) % 90.6 90.8 89.6 100.0 91.5 90.9 91.8 89.2 87.2 75.8 91.2 95.2
Average Return on Assets (QTR) % 1.22 1.24 1.14 0.79 1.13 2.23 1.32 1.03 1.36 3.78 0.96 1.32
Average Return on Equity (QTR) % 11.90 12.26 10.28 9.61 10.53 10.24 12.22 11.06 13.43 19.36 8.82 13.88
Net Interest Margin (QTR) % 3.49 3.59 3.04 2.58 4.14 8.88 3.91 2.74 4.49 2.92 3.80 3.09
Equity to Assets % 10.29 10.10 11.23 8.30 10.56 21.58 10.84 9.39 10.11 19.51 10.83 9.53
Noncurrent Loan Rate - Total Loans * % 0.74 0.75 0.72 0.99 0.82 1.75 0.61 0.71 0.62 0.78 0.79 0.69
Real Estate Loans % 0.71 0.70 0.72 1.13 0.78 1.54 0.61 0.72 0.41 0.83 0.77 0.83
C&I Loans % 0.76 0.75 0.88 1.03 1.32 1.23 0.66 0.88 0.69 0.88 1.20 0.67
Consumer Loans % 1.13 1.20 0.60 1.47 0.81 1.80 0.72 0.49 0.72 0.66 0.68 0.55
Coverage Ratio ** % 155.04 170.49 90.30 141.53 169.46 241.15 187.78 68.79 253.82 184.63 159.85 128.66
Net Charge-Off Rate - All Loans (QTR) % 0.60 0.66 0.33 0.86 0.25 6.17 0.29 0.19 1.67 0.36 0.30 0.30
Real Estate Loans (QTR) % 0.06 0.07 0.03 0.08 0.06 1.43 0.08 0.03 0.09 0.04 0.09 0.03
C&I Loans (QTR) % 0.46 0.42 1.08 0.21 0.74 3.14 0.53 0.28 3.24 0.41 0.78 0.31
Consumer Loans (QTR) % 3.25 3.28 3.01 3.14 1.15 6.46 1.24 3.15 2.27 0.97 0.99 1.53
Fourth Quarter 2004
Number of FDIC-Insured 8,976 7,631 1,345 5 1,731 34 4,424 990 132 466 1,119 75
Number of FDIC-Supervised 5,264 4,805 459 0 1,190 11 2,608 405 70 264 682 34
Total Assets $ 10,106 8,414 1,692 1,881 139 383 3,302 1,504 104 52 143 2,598
Total Loans $ 6,119 4,904 1,214 799 88 294 2,278 1,061 83 13 80 1,422
Domestic Deposits $ 5,719 4,727 991 559 113 106 2,320 863 58 38 117 1,546
Net Income (QTR) $ 31.212 26.480 4.733 3.626 0.363 3.340 10.223 4.510 0.418 0.227 0.352 8.154
Percent Profitable (QTR) % 90.4 90.1 91.7 100.0 89.7 88.2 91.0 91.6 93.2 80.0 91.4 94.7
Average Return on Assets (QTR) % 1.25 1.28 1.14 0.77 1.06 3.72 1.25 1.22 1.50 1.74 0.99 1.27
Average Return on Equity (QTR) % 12.35 12.80 10.30 9.68 9.78 19.31 12.64 11.74 14.30 9.94 9.11 12.37
Net Interest Margin (QTR) % 3.63 3.73 3.18 2.60 4.14 9.47 3.97 3.05 4.74 3.27 3.89 3.37
Equity to Assets % 10.29 10.11 11.18 8.05 10.78 20.56 10.10 10.55 11.36 17.47 10.79 10.23
Noncurrent Loan Rate - Total Loans * % 0.80 0.86 0.55 1.29 0.92 1.95 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 2.08 1.57 1.16 0.90 0.84 0.77 1.41 1.32 1.02
Consumer Loans % 1.39 1.46 0.73 2.07 0.80 2.14 0.55 0.37 0.76 1.02 0.76 0.77
Coverage Ratio ** % 168.08 174.67 126.89 135.34 156.78 219.07 206.15 97.19 259.70 169.03 154.80 156.40
Net Charge-Off Rate - All Loans (QTR) % 0.60 0.68 0.28 1.10 0.31 4.65 0.35 0.15 1.44 0.54 0.36 0.24
Real Estate Loans (QTR) % 0.08 0.10 0.05 0.18 0.12 0.09 0.11 0.05 0.14 0.10 0.13 0.05
C&I Loans (QTR) % 0.58 0.53 1.34 0.49 0.96 0.45 0.72 0.76 2.46 0.65 1.01 0.30
Consumer Loans (QTR) % 2.95 3.02 2.27 3.62 0.80 5.19 1.34 1.67 2.19 2.42 0.98 1.21

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

Last Updated 02/28/2006 Questions, Suggestions & Requests