Dollar Amounts in Billions 

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

Fourth Quarter 2006 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 8,681 7,402 1,279 4 1,634 26 4,713 818 125 Number of FDIC-Supervised 5,220 4,785 435 0 1,139 10 2,872 325 66 Total Assets $ 11,860 10,091 1,770 2,337 149 408 4,905 1,445 110 Total Loans $ 7,233 5,981 1,252 1,036 99 294 3,394 1,015 88 Domestic Deposits $ 6,631 5,538 1,093 690 122 93 3,372 914 75 Net Income (QTR) $ 35.700 31.651 4.049 5.665 0.393 3.356 14.946 3.270 0.465 Percent Profitable (QTR) % 88.1 88.6 85.0 100.0 89.8 96.2 88.6 85.5 84.0 Average Return on Assets (QTR) % 1.21 1.26 0.92 0.96 1.07 3.44 1.23 0.92 1.63 Average Return on Equity (QTR) % 11.58 12.34 7.81 12.26 9.87 13.82 11.12 9.83 12.62 Net Interest Margin (QTR) % 3.20 3.24 2.97 1.93 4.00 8.10 3.69 2.69 5.74 Equity to Assets % 10.52 10.21 12.31 7.75 10.73 22.88 11.17 9.91 14.18 Noncurrent Loan Rate - Total Loans * % 0.78 0.79 0.78 0.85 0.87 1.90 0.68 0.69 1.04  Real Estate Loans % 0.80 0.81 0.78 1.05 0.88 2.67 0.73 0.70 0.89  C&I Loans % 0.64 0.64 0.73 0.55 1.46 1.64 0.64 0.66 1.32  Consumer Loans % 1.20 1.24 0.83 1.44 0.73 2.01 0.65 0.64 1.08 Coverage Ratio ** % 136.84 146.98 87.85 121.24 154.57 201.47 163.63 70.65 175.73 Net Charge-Off Rate - All Loans (QTR) % 0.46 0.46 0.44 0.36 0.28 3.88 0.32 0.19 1.62  Real Estate Loans (QTR) % 0.13 0.11 0.21 0.17 0.11 1.59 0.18 0.06 0.07  C&I Loans (QTR) % 0.47 0.44 0.89 0.24 0.81 3.95 0.47 0.34 3.04  Consumer Loans (QTR) % 2.09 2.03 2.68 1.23 0.83 4.02 1.11 2.78 2.22 Fourth Quarter 2005

Number of FDIC-Insured 8,833 7,526 1,307 4 1,685 33 4,617 887 125 Number of FDIC-Supervised 5,245 4,801 444 0 1,159 13 2,770 351 68 

Total Assets $ 10,877 9,039 1,838 1,851 142 358 4,257 1,655 117 

Total Loans $ 6,716 5,380 1,336 830 92 272 2,914 1,196 93 

Domestic Deposits $ 6,221 5,152 1,068 589 116 94 2,961 961 70 

Net Income (QTR) $ 32.677 27.512 5.165 3.664 0.392 1.903 13.928 4.162 0.396 

Percent Profitable (QTR) % 90.3 90.4 89.7 100.0 91.2 81.8 91.5 89.1 85.6 

Average Return on Assets (QTR) % 1.21 1.23 1.14 0.79 1.12 2.16 1.32 1.02 1.35 

Average Return on Equity (QTR) % 11.82 12.17 10.25 9.61 10.45 9.93 12.19 10.97 13.42 Net Interest Margin (QTR) % 3.49 3.59 3.03 2.59 4.14 8.84 3.91 2.74 4.49 

Equity to Assets % 10.29 10.09 11.23 8.30 10.54 21.56 10.83 9.39 10.11 

Noncurrent Loan Rate - Total Loans * % 0.74 0.75 0.72 0.99 0.82 1.75 0.62 0.71 0.62 

 Real Estate Loans % 0.71 0.70 0.73 1.13 0.78 1.54 0.61 0.72 0.41 

 C&I Loans % 0.76 0.75 0.88 1.03 1.33 1.23 0.66 0.88 0.69 

 Consumer Loans % 1.13 1.20 0.60 1.47 0.81 1.80 0.72 0.49 0.72 

Coverage Ratio ** % 154.99 170.48 90.18 141.53 169.35 241.29 187.53 68.70 253.77 Net Charge-Off Rate - All Loans (QTR) % 0.60 0.67 0.33 0.86 0.26 6.17 0.29 0.19 1.67 

 Real Estate Loans (QTR) % 0.06 0.07 0.03 0.08 0.06 1.43 0.08 0.03 0.09 

 C&I Loans (QTR) % 0.47 0.43 1.10 0.21 0.74 3.14 0.54 0.28 3.24 

 Consumer Loans (QTR) % 3.24 3.27 3.00 3.14 1.15 6.46 1.23 3.15 2.27 

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

Statistics At A Glance