Dollar Amounts in Billions 

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

Fourth Quarter 2007 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 8,533 7,282 1,251 5 1,591 27 4,773 786 108 Number of FDIC-Supervised 5,197 4,772 425 0 1,104 10 2,961 317 55 Total Assets $ 13,039 11,176 1,863 2,784 158 479 4,619 1,334 94 Total Loans $ 7,906 6,626 1,280 1,237 105 369 3,261 944 76 Domestic Deposits $ 6,912 5,807 1,105 743 128 142 3,149 737 70 Net Income (QTR) $ 5.816 10.540 -4.724 -1.383 0.424 3.027 3.948 -3.230 0.156 Percent Profitable (QTR) % 82.3 83.2 77.0 60.0 89.3 88.9 79.8 79.1 79.6 Average Return on Assets (QTR) % 0.18 0.38 -1.00 -0.20 1.10 2.61 0.35 -0.94 0.66 Average Return on Equity (QTR) % 1.74 3.76 -8.70 -2.55 9.73 11.96 3.14 -10.51 5.29 Net Interest Margin (QTR) % 3.30 3.38 2.86 2.63 3.99 8.97 3.58 2.52 4.43 Equity to Assets % 10.37 10.24 11.17 8.01 11.17 21.26 11.03 8.61 12.63 Noncurrent Loan Rate - Total Loans * % 1.39 1.30 1.86 1.42 1.05 2.00 1.31 1.87 1.98  Real Estate Loans % 1.71 1.62 2.01 1.95 1.20 1.81 1.62 1.94 3.17  C&I Loans % 0.66 0.64 0.92 0.34 1.35 2.21 0.74 0.88 0.73  Consumer Loans % 1.43 1.48 0.98 2.09 0.73 2.10 0.67 0.96 0.94 Coverage Ratio ** % 92.54 102.84 55.35 103.22 121.50 207.47 93.62 45.74 61.51 Net Charge-Off Rate - All Loans (QTR) % 0.83 0.86 0.68 1.05 0.31 4.23 0.60 0.66 1.03  Real Estate Loans (QTR) % 0.44 0.43 0.49 0.68 0.19 2.61 0.43 0.54 0.16  C&I Loans (QTR) % 0.87 0.85 1.24 0.97 0.68 5.13 0.70 1.35 2.59  Consumer Loans (QTR) % 2.75 2.77 2.54 2.88 0.75 4.39 1.55 3.16 1.82 Fourth Quarter 2006

Number of FDIC-Insured 8,680 7,401 1,279 4 1,634 26 4,713 817 123 Number of FDIC-Supervised 5,220 4,785 435 0 1,139 10 2,874 325 64 

Total Assets $ 11,860 10,090 1,770 2,337 149 408 4,905 1,445 110 

Total Loans $ 7,233 5,981 1,252 1,037 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) $ 35.238 31.236 4.002 5.665 0.389 3.353 14.568 3.237 0.439 

Percent Profitable (QTR) % 87.5 88.1 84.4 100.0 89.2 96.2 88.1 84.8 82.9 

Average Return on Assets (QTR) % 1.20 1.25 0.91 0.96 1.06 3.43 1.20 0.91 1.54 

Average Return on Equity (QTR) % 11.43 12.18 7.72 12.26 9.78 13.81 10.85 9.73 11.95 

Net Interest Margin (QTR) % 3.20 3.24 2.97 1.92 3.99 8.10 3.68 2.69 5.74 

Equity to Assets % 10.52 10.21 12.31 7.75 10.73 22.88 11.16 9.91 14.16 

Noncurrent Loan Rate - Total Loans * % 0.79 0.80 0.78 0.85 0.87 1.90 0.70 0.69 1.03 

 Real Estate Loans % 0.82 0.84 0.78 1.05 0.89 2.67 0.76 0.70 0.88 

 C&I Loans % 0.63 0.62 0.74 0.55 1.45 1.64 0.62 0.66 1.31 

 Consumer Loans % 1.20 1.24 0.83 1.44 0.73 2.01 0.65 0.64 1.08 

Coverage Ratio ** % 135.11 144.76 87.83 121.83 154.17 201.53 158.33 70.71 176.30 Net Charge-Off Rate - All Loans (QTR) % 0.47 0.48 0.44 0.36 0.30 3.88 0.35 0.19 1.62 

 Real Estate Loans (QTR) % 0.15 0.13 0.21 0.17 0.12 1.59 0.21 0.07 0.07 

 C&I Loans (QTR) % 0.51 0.48 0.90 0.24 0.91 3.95 0.53 0.35 3.04 

 Consumer Loans (QTR) % 2.09 2.03 2.68 1.23 0.88 4.02 1.11 2.78 2.22 

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

Statistics At A Glance