Dollar Amounts in Billions 

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

Fourth Quarter 2009 Institutions Banks Institutions Lenders Banks Banks Lenders Lenders Lenders <

Number of FDIC-Insured 8,012 6,839 1,173 23 4 1,564 4,456 767 82 Number of FDIC-Supervised 4,941 4,533 408 8 0 1,081 2,860 301 45 Total Assets $ 13,109 11,846 1,263 522 3,107 182 4,550 809 96 Total Loans $ 7,286 6,500 786 359 1,084 118 3,129 485 76 Domestic Deposits $ 7,697 6,803 894 241 962 149 3,377 527 77 Net Income (QTR) $ 0.914 0.278 0.636 0.697 2.307 0.261 -6.940 1.349 0.223 Percent Profitable (QTR) % 67.3 66.9 69.7 73.9 75.0 79.9 58.2 76.7 75.6 Average Return on Assets (QTR) % 0.03 0.01 0.20 0.55 0.29 0.58 -0.61 0.67 0.93 Average Return on Equity (QTR) % 0.25 0.09 1.88 2.19 3.41 5.23 -5.77 7.15 8.41 Net Interest Margin (QTR) % 3.49 3.53 3.21 9.64 2.82 4.00 3.64 3.07 4.23 Equity to Assets % 11.04 11.07 10.78 24.58 8.75 10.96 10.53 9.49 11.11 Noncurrent Loan Rate - Total Loans * % 5.37 5.53 4.06 3.36 7.40 1.83 4.69 4.54 1.73  Real Estate Loans % 7.10 7.53 4.51 5.44 10.65 2.22 5.83 4.78 2.29  C&I Loans % 3.44 3.47 2.96 4.55 6.30 2.35 2.63 1.94 0.90  Consumer Loans % 2.20 2.25 1.57 3.61 2.53 0.98 1.34 1.34 1.60 Coverage Ratio ** % 58.13 59.20 46.13 277.70 58.58 81.74 53.37 31.55 173.80 Net Charge-Off Rate - All Loans (QTR) % 2.89 3.02 1.84 9.50 3.18 1.01 2.50 1.23 2.63  Real Estate Loans (QTR) % 2.57 2.78 1.34 2.62 3.33 0.97 2.56 1.08 2.33  C&I Loans (QTR) % 2.67 2.62 3.60 15.77 2.80 2.25 2.47 1.45 6.62  Consumer Loans (QTR) % 5.30 5.38 4.37 10.02 4.68 1.57 2.61 4.16 2.39 Fourth Quarter 2008

Number of FDIC-Insured 8,305 7,086 1,219 26 5 1,559 4,753 839 91 Number of FDIC-Supervised 5,097 4,688 409 10 0 1,085 3,000 344 49 

Total Assets $ 13,841 12,309 1,532 513 3,410 169 5,461 997 122 

Total Loans $ 7,874 6,838 1,035 385 1,288 112 3,824 665 97 

Domestic Deposits $ 7,496 6,543 953 176 1,075 136 3,703 548 86 

Net Income (QTR) $ -37.773 -29.509 -8.264 -0.262 -0.320 0.277 -24.599 -4.439 -0.498 Percent Profitable (QTR) % 65.4 65.6 64.2 53.8 80.0 81.8 55.9 71.6 72.5 

Average Return on Assets (QTR) % -1.10 -0.96 -2.18 -0.21 -0.04 0.67 -1.83 -1.80 -1.68 Average Return on Equity (QTR) % -11.59 -10.14 -23.87 -1.04 -0.53 6.05 -17.72 -23.52 -17.13 Net Interest Margin (QTR) % 3.33 3.38 2.96 11.11 3.12 3.93 3.60 2.84 3.72 

Equity to Assets % 9.33 9.38 8.93 20.47 7.01 10.99 10.04 7.45 9.85 

Noncurrent Loan Rate - Total Loans * % 2.97 2.95 3.11 2.78 3.74 1.43 2.88 3.39 1.48 

 Real Estate Loans % 3.86 3.96 3.43 2.73 4.88 1.78 3.73 3.51 2.15 

 C&I Loans % 1.69 1.69 1.75 3.74 3.23 1.84 1.36 1.08 0.40 

 Consumer Loans % 1.77 1.81 1.34 2.82 2.12 0.82 1.13 1.31 1.00 

Coverage Ratio ** % 74.42 0.00 53.55 255.14 74.61 92.94 64.99 40.48 165.23 Net Charge-Off Rate - All Loans (QTR) % 1.95 1.94 2.00 6.96 1.85 0.74 1.89 1.80 2.14 

 Real Estate Loans (QTR) % 1.69 1.70 1.67 4.56 1.83 0.54 1.82 1.79 1.58 

 C&I Loans (QTR) % 1.62 1.53 3.42 9.96 1.01 2.12 1.82 0.90 3.61 

 Consumer Loans (QTR) % 4.12 4.13 4.09 7.09 3.96 1.12 3.01 2.87 2.62 

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

Statistics At A Glance