Dollar Amounts in Billions 

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

First Quarter 2004 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 9,116 7,712 1,404 6 1,730 35 4,276 1,028 140 Number of FDIC-Supervised 5,291 4,810 481 0 1,192 11 2,512 410 72 Total Assets $ 9,377 7,818 1,559 1,493 128 332 2,898 1,396 506 Total Loans $ 5,549 4,489 1,059 573 78 248 1,952 965 392 Domestic Deposits $ 5,347 4,400 947 392 106 95 2,042 826 319 Net Income (QTR) $ 31.863 27.286 4.577 4.121 0.404 3.305 9.523 3.991 1.927 Percent Profitable (QTR) % 94.5 94.8 92.7 83.3 97.4 91.4 93.8 94.0 95.0 

Average Return on Assets (QTR) % 1.38 1.42 1.21 1.12 1.27 3.94 1.33 1.17 1.52 

Average Return on Equity (QTR) % 14.86 15.52 11.86 15.15 11.87 23.30 14.12 12.89 17.46 

Net Interest Margin (QTR) % 3.68 3.78 3.18 2.87 3.98 9.08 3.92 3.13 4.39 

Equity to Assets % 9.45 9.15 10.95 7.41 10.82 17.61 9.51 9.07 8.90 

Noncurrent Loan Rate - Total Loans * % 1.02 1.08 0.73 2.10 1.20 1.86 0.83 0.78 1.08 

 Real Estate Loans % 0.76 0.79 0.70 1.19 1.07 0.36 0.71 0.78 1.24 

 C&I Loans % 1.88 1.90 1.47 4.10 1.91 1.55 1.32 1.60 1.24 

 Consumer Loans % 1.36 1.44 0.64 2.59 0.79 2.01 0.60 0.31 0.64 

Coverage Ratio ** % 149.61 156.23 107.88 102.25 128.31 273.76 175.25 81.33 110.22 Net Charge-Off Rate - All Loans (QTR) % 0.64 0.72 0.28 1.30 0.12 5.22 0.31 0.12 0.71 

 Real Estate Loans (QTR) % 0.08 0.10 0.05 0.06 0.03 0.11 0.09 0.04 0.17 

 C&I Loans (QTR) % 0.70 0.68 0.94 1.00 0.24 4.75 0.54 0.52 0.93 

 Consumer Loans (QTR) % 2.99 3.03 2.58 3.51 0.58 5.62 1.31 1.35 2.23 

First Quarter 2003

Number of FDIC-Insured 9,314 7,865 1,449 5 1,800 41 4,100 1,072 172 Number of FDIC-Supervised 5,341 4,850 491 0 1,243 12 2,381 408 84 Total Assets $ 8,606 7,197 1,409 1,275 122 289 3,054 1,418 366 

Total Loans $ 5,126 4,194 932 521 74 213 2,040 927 291 Domestic Deposits $ 5,026 4,126 900 319 101 101 2,146 845 189 

Net Income (QTR) $ 29.515 25.082 4.433 3.449 0.373 2.639 9.940 5.317 1.393 Percent Profitable (QTR) % 94.1 94.3 93.4 100.0 96.2 95.1 93.3 94.8 97.1 

Average Return on Assets (QTR) % 1.39 1.41 1.28 1.08 1.23 3.59 1.32 1.53 1.57 

Average Return on Equity (QTR) % 15.07 15.36 13.64 15.10 11.42 22.38 14.08 16.96 18.44 

Net Interest Margin (QTR) % 3.80 3.89 3.36 3.20 4.00 8.02 4.00 3.37 4.61 

Equity to Assets % 9.20 9.16 9.39 7.20 10.78 16.59 9.36 9.01 8.45 

Noncurrent Loan Rate - Total Loans * % 1.31 1.40 0.89 2.54 1.39 1.98 1.14 0.91 0.92 

 Real Estate Loans % 0.89 0.90 0.86 1.61 1.22 0.53 0.85 0.90 0.51 

 C&I Loans % 2.76 2.80 1.92 5.03 2.06 1.75 2.09 1.72 2.11 

 Consumer Loans % 1.35 1.42 0.68 2.13 0.86 2.16 0.71 0.51 1.25 

Coverage Ratio ** % 127.77 131.53 101.08 94.60 110.88 252.12 139.56 83.70 130.31 Net Charge-Off Rate - All Loans (QTR) % 0.81 0.92 0.32 1.51 0.15 5.49 0.55 0.18 0.90 

 Real Estate Loans (QTR) % 0.10 0.12 0.05 0.15 0.03 0.15 0.10 0.07 0.16 

 C&I Loans (QTR) % 1.39 1.39 1.40 1.76 0.32 5.90 1.34 0.94 2.05 

 Consumer Loans (QTR) % 3.02 3.05 2.74 3.63 0.52 5.95 1.57 1.42 1.78 

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

Statistics At A Glance

Asset Concentration Group

As of March 31, 2004