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



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Statistics at a Glance

As of June 30, 2002

Dollar Amounts in Billions

Commercial Banks

Savings Institutions

Total

2nd Qtr 2002 2nd Qtr 2001 2nd Qtr 2002 2nd Qtr 2001 2nd Qtr 2002
Number of FDIC-Insured 7,966 8,178 1,498 1,569 9,464
Number of FDIC-Supervised 4,913 5,027 503 520 5,416
Total Assets $ 6,750 6,360 1,288 1,275 8,038
Total Loans $ 3,972 3,859 849 861 4,821
Domestic Deposits $ 3,807 3,562 806 776 4,613
Net Income $ 23.440 19.097 3.880 3.354 27.320
Percent Profitable % 93.3 92.9 92.2 89.1 93.1
Average Return on Assets % 1.41 1.21 1.21 1.06 1.38
Assets under $1 Billion % 1.26 1.17 0.90 0.71 1.18
Assets over $1 Billion % 1.44 1.21 1.29 1.17 1.42
Average Return on Equity % 15.26 13.83 13.24 12.52 14.92
Net Interest Margin % 4.11 3.90 3.50 3.15 4.01
Equity to Assets % 9.24 8.76 9.29 8.52 9.24
Noncurrent Loans * % 1.47 1.26 0.87 0.76 1.36
Real Estate Loans % 0.95 0.91 0.83 0.72 0.92
C&I Loans % 2.87 2.03 2.27 1.66 2.83
Consumer Loans % 1.40 1.39 0.54 0.74 1.32
Coverage Ratio ** % 127.22 135.07 108.78 116.32 125.07
Net Charge-Off Rate % 1.07 0.83 0.23 0.25 0.92
Real Estate Loans % 0.14 0.13 0.05 0.07 0.11
C&I Loans % 1.76 1.20 1.36 1.09 1.73
Consumer Loans % 3.05 2.56 1.61 1.91 2.92

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

All Insured Institutions 2nd Qtr 2002 YTD 2001 2000 1999 1998
Credit Card Loans
Held on Balance Sheet $ 268 250 266 227 242
Securitized and Sold $ 369 343 301 293 259
Unused Commitments $ 3,237 2,884 2,539 2,129 2,042
Total Credit Card Lines $ 3,874 3,477 3,106 2,649 2,543
Credit Card Loss Rate $ 6.80 5.16 4.36 4.39 5.15
No of Personal Bankruptcies 760,228 1,451,575 1,217,628 1,281,360 1,397,695



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