Dollar Amounts in Billions 

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

Third Quarter 2005 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 8,854 7,540 1,314 4 1,732 29 4,553 928 125 Number of FDIC-Supervised 5,245 4,795 450 0 1,199 10 2,731 376 70 

Total Assets $ 10,700 8,904 1,796 1,839 143 360 3,667 1,677 109 

Total Loans $ 6,577 5,266 1,311 816 94 267 2,571 1,198 85 

Domestic Deposits $ 6,066 5,014 1,052 562 115 97 2,588 955 65 

Net Income (QTR) $ 34.637 29.776 4.860 4.632 0.477 2.892 12.579 4.247 0.474 Percent Profitable (QTR) % 94.0 94.4 92.3 100.0 97.7 93.1 93.6 92.6 96.8 

Average Return on Assets (QTR) % 1.31 1.35 1.10 1.02 1.35 3.16 1.39 1.03 1.76 

Average Return on Equity (QTR) % 12.69 13.29 9.93 12.34 12.34 14.43 13.55 9.59 18.23 

Net Interest Margin (QTR) % 3.50 3.60 3.03 2.55 4.17 9.01 3.97 2.75 4.75 

Equity to Assets % 10.25 10.10 10.99 8.23 10.87 22.07 10.21 10.67 9.58 

Noncurrent Loan Rate - Total Loans * % 0.74 0.75 0.69 1.02 0.88 1.83 0.61 0.73 0.67 

 Real Estate Loans % 0.67 0.66 0.69 1.07 0.85 1.00 0.56 0.75 0.51 

 C&I Loans % 0.89 0.88 1.02 1.27 1.48 1.15 0.82 0.84 0.80 

 Consumer Loans % 1.14 1.20 0.58 1.49 0.80 1.92 0.51 0.37 0.72 

Coverage Ratio ** % 162.98 179.00 92.83 146.29 158.46 253.52 199.52 64.50 256.36 

Net Charge-Off Rate - All Loans (QTR) % 0.51 0.59 0.20 1.19 0.16 4.28 0.23 0.10 1.39 

 Real Estate Loans (QTR) % 0.05 0.06 0.02 0.08 0.04 0.19 0.07 0.02 0.10 

 C&I Loans (QTR) % 0.25 0.20 1.04 -0.19 0.39 2.34 0.38 0.24 2.76 

 Consumer Loans (QTR) % 2.90 3.04 1.69 4.93 0.91 4.63 1.00 1.21 1.80 

Third Quarter 2004

Number of FDIC-Insured 9,024 7,660 1,364 6 1,783 35 4,385 1,000 136 Number of FDIC-Supervised 5,265 4,797 468 0 1,230 11 2,572 405 74 

Total Assets $ 9,877 8,245 1,632 1,566 138 368 3,195 1,405 212 

Total Loans $ 5,981 4,815 1,166 621 88 270 2,183 1,022 162 

Domestic Deposits $ 5,564 4,587 977 403 111 103 2,229 805 104 

Net Income (QTR) $ 32.443 27.725 4.718 3.373 0.453 3.598 10.600 3.980 0.594 

Percent Profitable (QTR) % 94.1 94.4 92.8 100.0 97.0 85.7 93.3 94.3 95.6 

Average Return on Assets (QTR) % 1.33 1.36 1.17 0.86 1.33 4.10 1.34 1.15 1.16 

Average Return on Equity (QTR) % 13.54 14.17 10.71 11.97 12.40 21.06 13.13 13.21 10.67 

Net Interest Margin (QTR) % 3.62 3.71 3.18 2.67 4.14 8.76 3.92 3.12 4.04 

Equity to Assets % 10.13 9.97 10.98 7.27 10.87 20.78 10.40 8.74 13.62 

Noncurrent Loan Rate - Total Loans * % 0.85 0.91 0.58 1.66 1.03 1.77 0.69 0.74 0.74 

 Real Estate Loans % 0.65 0.69 0.54 0.92 0.96 0.07 0.61 0.72 0.84 

 C&I Loans % 1.41 1.43 1.09 3.09 1.73 1.32 1.02 1.25 1.43 

 Consumer Loans % 1.32 1.39 0.67 2.33 0.80 1.94 0.57 0.61 0.49 

Coverage Ratio ** % 165.49 171.23 127.99 115.30 143.05 255.85 196.30 72.55 202.13 

Net Charge-Off Rate - All Loans (QTR) % 0.51 0.57 0.24 0.89 0.20 4.24 0.28 0.10 1.10 

 Real Estate Loans (QTR) % 0.07 0.08 0.04 0.07 0.06 0.07 0.09 0.03 0.26 

 C&I Loans (QTR) % 0.45 0.41 1.06 0.35 0.53 5.26 0.55 0.37 1.96 

 Consumer Loans (QTR) % 2.58 2.64 1.99 2.87 0.68 4.62 1.17 1.28 2.01 

* 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 September 30, 2005