Dollar Amounts in Billions 

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

First Quarter 2005 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 8,930 7,598 1,332 5 1,697 28 4,490 972 135 Number of FDIC-Supervised 5,243 4,791 452 0 1,174 10 2,650 387 71 Total Assets $ 10,282 8,589 1,693 1,876 135 364 3,463 1,583 111 Total Loans $ 6,201 4,980 1,221 788 86 272 2,397 1,109 87 Domestic Deposits $ 5,827 4,823 1,004 563 110 100 2,435 920 61 Net Income (QTR) $ 34.292 29.504 4.788 4.335 0.431 2.981 11.342 4.676 0.409 Percent Profitable (QTR) % 94.7 94.9 93.3 100.0 97.9 96.4 94.4 93.6 95.6 Average Return on Assets (QTR) % 1.35 1.39 1.15 0.92 1.28 3.23 1.33 1.20 1.51 Average Return on Equity (QTR) % 13.13 13.70 10.45 11.38 11.83 15.22 13.48 11.02 13.49 Net Interest Margin (QTR) % 3.54 3.63 3.13 2.64 4.04 8.16 3.90 2.96 4.75 Equity to Assets % 10.24 10.08 11.02 8.17 10.79 21.96 9.86 10.84 11.09 Noncurrent Loan Rate - Total Loans * % 0.75 0.80 0.52 1.22 0.97 1.68 0.60 0.52 0.64  Real Estate Loans % 0.59 0.64 0.47 0.91 0.86 0.12 0.55 0.50 0.53  C&I Loans % 1.04 1.03 1.17 1.66 1.60 1.10 0.86 1.04 0.77  Consumer Loans % 1.25 1.31 0.71 2.00 0.71 1.85 0.49 0.34 0.68 Coverage Ratio ** % 172.42 178.94 131.70 136.78 151.81 258.66 211.34 97.93 260.88 Net Charge-Off Rate - All Loans (QTR) % 0.47 0.52 0.23 0.76 0.12 4.39 0.22 0.10 1.50  Real Estate Loans (QTR) % 0.05 0.06 0.03 0.12 0.03 0.09 0.06 0.04 0.08  C&I Loans (QTR) % 0.28 0.23 1.06 0.02 0.35 3.01 0.39 0.28 2.62  Consumer Loans (QTR) % 2.55 2.60 2.06 2.77 0.50 4.84 1.04 1.30 2.04 First Quarter 2004

Number of FDIC-Insured 9,116 7,714 1,402 6 1,730 34 4,277 1,026 140 Number of FDIC-Supervised 5,291 4,812 479 0 1,192 11 2,513 410 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 $ 5,348 4,401 947 392 106 95 2,042 826 319 

Net Income (QTR) $ 31.836 27.262 4.574 4.121 0.403 3.294 9.508 3.994 1.927 

Percent Profitable (QTR) % 94.4 94.7 92.6 83.3 97.3 94.1 93.6 93.9 95.0 

Average Return on Assets (QTR) % 1.38 1.42 1.21 1.12 1.27 3.93 1.33 1.17 1.52 

Average Return on Equity (QTR) % 14.85 15.51 11.86 15.15 11.81 23.27 14.10 12.91 17.46 

Net Interest Margin (QTR) % 3.68 3.78 3.18 2.87 3.98 9.13 3.92 3.13 4.39 

Equity to Assets % 9.45 9.15 10.95 7.41 10.81 17.58 9.51 9.07 8.90 

Noncurrent Loan Rate - Total Loans * % 1.00 1.08 0.67 2.10 1.21 1.86 0.83 0.72 1.08 

 Real Estate Loans % 0.75 0.79 0.64 1.19 1.07 0.36 0.71 0.72 1.24 

 C&I Loans % 1.88 1.91 1.41 4.10 1.93 1.55 1.32 1.50 1.24 

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

Coverage Ratio ** % 151.17 156.22 116.74 102.25 128.07 273.73 175.33 88.04 110.23 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 0.04 0.11 0.09 0.04 0.17 

 C&I Loans (QTR) % 0.70 0.69 0.94 1.01 0.24 4.75 0.55 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 

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

Statistics At A Glance