Dollar Amounts in Billions 

All Insured Commercial Savings Credit Card International Agricultural Commercial Mortgage Consumer S

Fourth Quarter 2008 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <

Number of FDIC-Insured 8,305 7,085 1,220 26 5 1,558 4,752 838 91 Number of FDIC-Supervised 5,098 4,688 410 10 0 1,084 3,001 343 49 Total Assets $ 13,847 12,313 1,534 513 3,410 169 5,466 998 122 Total Loans $ 7,875 6,840 1,035 385 1,288 112 3,826 665 97 Domestic Deposits $ 7,496 6,543 953 176 1,075 136 3,703 548 86 Net Income (QTR) $ -32.109 -26.047 -6.062 -0.273 -0.320 0.290 -19.771 -3.972 -0.492 Percent Profitable (QTR) % 67.4 67.7 66.0 53.8 80.0 82.5 58.6 73.6 72.5 Average Return on Assets (QTR) % -0.94 -0.86 -1.60 -0.22 -0.04 0.70 -1.47 -1.61 -1.65 Average Return on Equity (QTR) % -9.88 -8.97 -17.40 -1.08 -0.53 6.32 -14.18 -20.99 -16.92 Net Interest Margin (QTR) % 3.34 3.39 2.96 11.10 3.12 3.94 3.60 2.84 3.73 Equity to Assets % 9.36 9.40 9.04 20.44 7.01 11.01 10.11 7.49 9.85 Noncurrent Loan Rate - Total Loans * % 2.93 2.91 3.10 2.78 3.84 1.43 2.84 3.37 1.48  Real Estate Loans % 3.80 3.89 3.41 2.73 5.09 1.78 3.67 3.49 2.15  C&I Loans % 1.69 1.69 1.76 3.74 3.21 1.84 1.35 1.10 0.40  Consumer Loans % 1.77 1.81 1.34 2.82 2.12 0.82 1.13 1.31 1.00 Coverage Ratio ** % 75.02 78.56 53.09 255.14 72.75 92.09 65.44 39.85 164.59 Net Charge-Off Rate - All Loans (QTR) % 1.92 1.91 1.96 6.96 1.85 0.74 1.83 1.78 2.14  Real Estate Loans (QTR) % 1.65 1.65 1.63 4.56 1.84 0.55 1.74 1.77 1.58  C&I Loans (QTR) % 1.65 1.56 3.40 9.96 1.24 2.11 1.78 0.98 3.61  Consumer Loans (QTR) % 4.06 4.06 4.09 7.09 3.64 1.12 3.01 2.87 2.62 Fourth Quarter 2007

Number of FDIC-Insured 8,534 7,283 1,251 27 5 1,592 4,773 784 109 

Number of FDIC-Supervised 5,198 4,773 425 10 0 1,104 2,962 317 55 

Total Assets $ 13,034 11,176 1,858 479 2,784 158 4,619 1,328 95 Total Loans $ 7,907 6,626 1,280 368 1,237 105 3,262 943 77 

Domestic Deposits $ 6,913 5,808 1,105 142 743 128 3,150 737 71 

Net Income (QTR) $ 0.575 8.841 -8.266 2.326 -1.383 0.413 2.687 -6.728 0.148 Percent Profitable (QTR) % 81.0 82.0 75.4 85.2 60.0 88.8 78.1 78.1 78.9 

Average Return on Assets (QTR) % 0.02 0.32 -1.75 2.01 -0.20 1.07 0.24 -1.97 0.62 Average Return on Equity (QTR) % 0.17 3.16 -15.34 9.18 -2.55 9.47 2.14 -22.22 4.98 

Net Interest Margin (QTR) % 3.32 3.40 2.86 8.98 2.73 3.98 3.58 2.52 4.42 

Equity to Assets % 10.34 10.23 11.01 21.26 8.01 11.17 11.00 8.38 12.62 

Noncurrent Loan Rate - Total Loans * % 1.40 1.31 1.87 2.01 1.44 1.05 1.33 1.88 1.97 

 Real Estate Loans % 1.73 1.64 2.01 1.81 2.02 1.21 1.65 1.94 3.15 

 C&I Loans % 0.65 0.64 0.94 2.21 0.33 1.35 0.74 0.87 0.75 

 Consumer Loans % 1.43 1.48 0.98 2.10 2.09 0.73 0.66 0.96 0.94 

Coverage Ratio ** % 92.63 102.55 56.64 208.49 101.34 122.84 93.55 47.56 61.56 Net Charge-Off Rate - All Loans (QTR) % 0.84 0.87 0.69 4.24 1.05 0.32 0.62 0.67 1.03 

 Real Estate Loans (QTR) % 0.45 0.44 0.49 2.61 0.68 0.20 0.45 0.55 0.16 

 C&I Loans (QTR) % 0.88 0.86 1.27 5.13 0.97 0.69 0.72 1.36 2.61 

 Consumer Loans (QTR) % 2.75 2.77 2.54 4.39 2.88 0.77 1.57 3.16 1.83 

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

Statistics At A Glance