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



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Statistics at a Glance
As of September 30, 2008
Dollar Amounts in Billions

Third Quarter 2008
All Insured Institutions Commercial Banks Savings Institutions Asset Concentration Group
Credit Card Lenders International Banks Agricultural Banks Commercial Lenders Mortgage Lenders Consumer Lenders Other Specialized < $1 Billion All Other < $1Billion All Other > $1Billion
Number of FDIC-Insured 8,384 7,146 1,238 26 4 1,587 4,811 826 101 297 692 40
Number of FDIC-Supervised 5,134 4,715 419 9 0 1,108 3,021 345 54 172 414 11
Total Assets $ 13,574 12,050 1,523 468 3,263 168 6,078 1,059 72 36 95 2,335
Total Loans $ 7,990 6,942 1,048 344 1,396 114 4,255 737 61 8 54 1,020
Domestic Deposits $ 7,222 6,273 949 154 1,013 134 4,014 600 59 25 77 1,147
Net Income (QTR) $ 1.726 8.284 -6.558 0.451 3.702 0.424 -1.677 -3.100 0.165 0.012 0.151 1.599
Percent Profitable (QTR) % 75.9 77.3 67.7 80.8 100.0 91.4 69.0 75.1 86.1 79.1 87.1 67.5
Average Return on Assets (QTR) % 0.05 0.28 -1.73 0.39 0.49 1.01 -0.11 -1.17 0.93 0.13 0.64 0.28
Average Return on Equity (QTR) % 0.53 2.86 -18.64 1.84 6.59 9.21 -1.03 -15.07 9.99 0.67 5.70 3.17
Net Interest Margin (QTR) % 3.37 3.40 3.17 9.28 2.69 4.00 3.64 2.99 4.80 3.07 3.88 2.45
Equity to Assets % 9.63 9.67 9.33 20.86 7.13 11.07 10.67 7.99 9.15 19.55 11.20 8.61
Noncurrent Loan Rate - Total Loans * % 2.31 2.23 2.83 2.35 2.27 1.40 2.40 2.88 0.93 0.91 1.25 1.78
Real Estate Loans % 3.12 3.12 3.13 2.22 3.54 1.69 3.19 3.04 0.90 0.97 1.35 2.74
C&I Loans % 1.01 1.00 1.28 3.10 0.55 1.75 1.09 0.83 0.71 1.54 1.58 0.95
Consumer Loans % 1.50 1.53 1.10 2.44 1.85 0.76 0.93 0.70 1.00 0.49 0.75 0.67
Coverage Ratio ** % 84.69 88.69 63.85 248.14 104.00 91.62 70.75 57.38 211.15 146.05 96.94 83.19
Net Charge-Off Rate - All Loans (QTR) % 1.42 1.43 1.35 6.24 1.44 0.41 1.21 1.03 2.00 0.43 0.34 1.11
Real Estate Loans (QTR) % 1.18 1.21 1.03 3.38 1.74 0.29 1.13 0.99 0.82 0.11 0.16 1.30
C&I Loans (QTR) % 1.05 0.97 2.77 8.94 0.67 1.00 1.00 0.34 4.09 0.02 0.62 0.58
Consumer Loans (QTR) % 3.56 3.56 3.57 6.37 2.78 1.00 2.76 2.24 2.56 1.25 1.09 1.89
Third Quarter 2007
Number of FDIC-Insured 8,559 7,303 1,256 28 4 1,634 4,739 780 120 376 821 57
Number of FDIC-Supervised 5,193 4,767 426 10 0 1,134 2,915 313 61 229 506 25
Total Assets $ 12,706 10,792 1,914 424 2,644 157 5,054 1,454 96 40 111 2,726
Total Loans $ 7,704 6,381 1,323 309 1,200 106 3,528 1,025 77 10 63 1,385
Domestic Deposits $ 6,740 5,570 1,170 111 698 127 3,401 847 72 28 91 1,365
Net Income (QTR) $ 28.714 27.372 1.342 4.228 4.454 0.508 12.279 1.101 0.275 0.219 0.295 5.355
Percent Profitable (QTR) % 89.0 89.9 83.5 92.9 100.0 96.2 87.1 85.8 90.8 75.8 94.3 91.2
Average Return on Assets (QTR) % 0.92 1.03 0.29 4.07 0.69 1.30 0.99 0.31 1.17 2.20 1.07 0.81
Average Return on Equity (QTR) % 8.83 10.18 2.37 17.07 8.91 11.61 9.15 3.21 10.86 11.33 9.32 7.65
Net Interest Margin (QTR) % 3.35 3.43 2.90 8.75 2.69 4.00 3.69 2.61 4.50 3.14 3.72 2.88
Equity to Assets % 10.45 10.20 11.85 23.17 7.78 11.32 10.86 9.44 11.89 19.54 11.58 10.55
Noncurrent Loan Rate - Total Loans * % 1.08 1.02 1.34 1.85 1.05 1.02 1.01 1.33 0.62 0.92 0.93 0.96
Real Estate Loans % 1.27 1.22 1.42 2.48 1.44 1.15 1.19 1.36 0.39 0.95 0.98 1.33
C&I Loans % 0.63 0.62 0.79 1.96 0.32 1.33 0.69 0.94 0.74 1.66 1.15 0.56
Consumer Loans % 1.18 1.21 0.90 1.96 1.62 0.71 0.67 0.85 0.82 0.55 0.66 0.52
Coverage Ratio ** % 104.83 117.46 58.43 217.39 117.20 127.75 113.26 45.95 179.84 147.77 126.59 77.04
Net Charge-Off Rate - All Loans (QTR) % 0.57 0.58 0.53 3.98 0.77 0.26 0.32 0.42 1.04 0.32 0.22 0.42
Real Estate Loans (QTR) % 0.22 0.21 0.26 1.53 0.40 0.11 0.19 0.27 0.09 0.03 0.09 0.16
C&I Loans (QTR) % 0.49 0.46 0.93 4.79 0.12 0.92 0.44 0.41 2.66 0.16 0.55 0.47
Consumer Loans (QTR) % 2.53 2.44 3.39 4.21 3.07 0.64 1.08 4.46 1.68 0.77 0.69 1.64

* Nonaccruing loans and loans past due 90+ days.
** Loss reserve as a percentage of noncurrent loans.

Last Updated 11/25/2008 Questions, Suggestions & Requests