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Statistics at a Glance
As of December 31, 2009
Dollar Amounts in Billions

Fourth Quarter 2009
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 8,012 6,839 1,173 23 4 1,564 4,456 767 82 289 771 56
Number of FDIC-Supervised 4,941 4,533 408 8 0 1,081 2,860 301 45 158 468 20
Total Assets $ 13,109 11,846 1,263 522 3,107 182 4,550 809 96 38 116 3,689
Total Loans $ 7,286 6,500 786 359 1,084 118 3,129 485 76 10 66 1,961
Domestic Deposits $ 7,697 6,803 894 241 962 149 3,377 527 77 28 97 2,238
Net Income (QTR) $ 0.914 0.278 0.636 0.697 2.307 0.261 -6.940 1.349 0.223 0.119 0.221 2.677
Percent Profitable (QTR) % 67.3 66.9 69.7 73.9 75.0 79.9 58.2 76.7 75.6 69.2 82.9 78.6
Average Return on Assets (QTR) % 0.03 0.01 0.20 0.55 0.29 0.58 -0.61 0.67 0.93 1.25 0.77 0.29
Average Return on Equity (QTR) % 0.25 0.09 1.88 2.19 3.41 5.23 -5.77 7.15 8.41 7.02 6.73 2.44
Net Interest Margin (QTR) % 3.49 3.53 3.21 9.64 2.82 4.00 3.64 3.07 4.23 2.78 3.82 3.11
Equity to Assets % 11.04 11.07 10.78 24.58 8.75 10.96 10.53 9.49 11.11 17.74 11.29 11.95
Noncurrent Loan Rate - Total Loans * % 5.37 5.53 4.06 3.36 7.40 1.83 4.69 4.54 1.73 1.91 1.77 6.40
Real Estate Loans % 7.10 7.53 4.51 5.44 10.65 2.22 5.83 4.78 2.29 2.39 2.03 9.28
C&I Loans % 3.44 3.47 2.96 4.55 6.30 2.35 2.63 1.94 0.90 1.33 1.73 3.23
Consumer Loans % 2.20 2.25 1.57 3.61 2.53 0.98 1.34 1.34 1.60 0.91 0.82 1.39
Coverage Ratio ** % 58.13 59.20 46.13 277.70 58.58 81.74 53.37 31.55 173.80 83.08 74.29 45.17
Net Charge-Off Rate - All Loans (QTR) % 2.89 3.02 1.84 9.50 3.18 1.01 2.50 1.23 2.63 0.77 0.80 2.80
Real Estate Loans (QTR) % 2.57 2.78 1.34 2.62 3.33 0.97 2.56 1.08 2.33 0.59 0.60 2.99
C&I Loans (QTR) % 2.67 2.62 3.60 15.77 2.80 2.25 2.47 1.45 6.62 1.28 1.64 1.93
Consumer Loans (QTR) % 5.30 5.38 4.37 10.02 4.68 1.57 2.61 4.16 2.39 0.96 1.28 3.83
Fourth Quarter 2008
Number of FDIC-Insured 8,305 7,086 1,219 26 5 1,559 4,753 839 91 279 709 44
Number of FDIC-Supervised 5,097 4,688 409 10 0 1,085 3,000 344 49 163 434 12
Total Assets $ 13,841 12,309 1,532 513 3,410 169 5,461 997 122 34 95 3,040
Total Loans $ 7,874 6,838 1,035 385 1,288 112 3,824 665 97 8 54 1,440
Domestic Deposits $ 7,496 6,543 953 176 1,075 136 3,703 548 86 25 77 1,671
Net Income (QTR) $ -37.773 -29.509 -8.264 -0.262 -0.320 0.277 -24.599 -4.439 -0.498 0.053 0.135 -8.121
Percent Profitable (QTR) % 65.4 65.6 64.2 53.8 80.0 81.8 55.9 71.6 72.5 71.7 83.1 50.0
Average Return on Assets (QTR) % -1.10 -0.96 -2.18 -0.21 -0.04 0.67 -1.83 -1.80 -1.68 0.62 0.58 -1.07
Average Return on Equity (QTR) % -11.59 -10.14 -23.87 -1.04 -0.53 6.05 -17.72 -23.52 -17.13 3.26 5.11 -11.50
Net Interest Margin (QTR) % 3.33 3.38 2.96 11.11 3.12 3.93 3.60 2.84 3.72 2.81 3.88 1.93
Equity to Assets % 9.33 9.38 8.93 20.47 7.01 10.99 10.04 7.45 9.85 18.63 11.28 9.11
Noncurrent Loan Rate - Total Loans * % 2.97 2.95 3.11 2.78 3.74 1.43 2.88 3.39 1.48 1.04 1.42 2.64
Real Estate Loans % 3.86 3.96 3.43 2.73 4.88 1.78 3.73 3.51 2.15 1.09 1.58 4.14
C&I Loans % 1.69 1.69 1.75 3.74 3.23 1.84 1.36 1.08 0.40 1.51 1.74 1.02
Consumer Loans % 1.77 1.81 1.34 2.82 2.12 0.82 1.13 1.31 1.00 0.51 0.75 0.84
Coverage Ratio ** % 74.42 0.00 53.55 255.14 74.61 92.94 64.99 40.48 165.23 131.80 88.21 66.17
Net Charge-Off Rate - All Loans (QTR) % 1.95 1.94 2.00 6.96 1.85 0.74 1.89 1.80 2.14 0.52 0.56 1.16
Real Estate Loans (QTR) % 1.69 1.70 1.67 4.56 1.83 0.54 1.82 1.79 1.58 0.17 0.30 1.25
C&I Loans (QTR) % 1.62 1.53 3.42 9.96 1.01 2.12 1.82 0.90 3.61 0.52 1.19 0.88
Consumer Loans (QTR) % 4.12 4.13 4.09 7.09 3.96 1.12 3.01 2.87 2.62 1.15 1.33 1.78

* Nonaccruing loans and loans past due 90+ days.

** Loss reserve as a percentage of noncurrent loans.

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