Dollar Amounts in Billions 

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

Second Quarter 2003 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 9,267 7,833 1,434 7 1,826 36 4,116 1,044 183 Number of FDIC-Supervised 5,321 4,833 488 0 1,262 10 2,396 422 91 Total Assets $ 8,923 7,485 1,438 1,484 128 239 3,117 1,407 380 Total Loans $ 5,246 4,291 955 592 79 189 2,076 920 309 Domestic Deposits $ 5,166 4,248 919 407 105 69 2,202 832 184 Net Income (QTR) $ 30.232 25.517 4.715 4.124 0.402 2.383 10.105 5.206 1.388 Percent Profitable (QTR) % 94.2 94.1 94.9 71.4 96.5 97.2 93.8 95.4 97.8 Average Return on Assets (QTR) % 1.38 1.39 1.33 1.14 1.27 4.04 1.31 1.50 1.49 Average Return on Equity (QTR) % 15.10 15.30 14.13 15.12 11.71 24.02 14.02 16.61 17.53 Net Interest Margin (QTR) % 3.74 3.83 3.29 3.13 4.03 8.91 3.98 3.25 4.59 Equity to Assets % 9.09 9.04 9.39 7.46 10.87 17.09 9.39 9.01 8.58 Noncurrent Loan Rate - Total Loans * % 1.24 1.32 0.84 2.37 1.43 1.82 1.06 0.88 0.92  Real Estate Loans % 0.84 0.85 0.81 1.42 1.24 0.48 0.80 0.88 0.56  C&I Loans % 2.65 2.69 1.79 4.79 2.21 1.58 1.94 1.80 1.92  Consumer Loans % 1.30 1.37 0.66 2.18 0.88 1.98 0.66 0.45 1.22 Coverage Ratio ** % 132.42 135.92 107.59 103.13 106.69 271.96 147.88 85.99 128.42 Net Charge-Off Rate - All Loans (QTR) % 0.79 0.90 0.31 1.56 0.25 5.46 0.56 0.18 0.89  Real Estate Loans (QTR) % 0.12 0.15 0.05 0.17 0.08 0.25 0.15 0.06 0.16  C&I Loans (QTR) % 1.34 1.33 1.49 1.52 0.73 5.81 1.32 1.01 2.03  Consumer Loans (QTR) % 3.01 3.06 2.56 4.01 0.65 5.99 1.41 1.35 1.86 Second Quarter 2002

Number of FDIC-Insured 9,466 7,967 1,499 6 1,892 47 4,079 1,168 216 Number of FDIC-Supervised 5,417 4,913 504 0 1,322 15 2,355 450 110 Total Assets $ 8,039 6,121 1,306 1,295 123 299 3,356 1,192 163 

Total Loans $ 4,820 3,603 856 558 77 219 2,241 763 126 

Domestic Deposits $ 4,613 3,448 820 329 102 113 2,287 702 79 

Net Income (QTR) $ 27.245 21.243 3.877 3.654 0.398 2.751 10.639 3.826 0.632 

Percent Profitable (QTR) % 92.9 93.0 92.3 100.0 96.3 93.6 91.1 93.6 94.9 

Average Return on Assets (QTR) % 1.37 1.41 1.19 1.17 1.30 3.68 1.28 1.29 1.60 

Average Return on Equity (QTR) % 14.88 15.27 12.90 15.81 12.15 24.17 13.35 14.38 18.82 

Net Interest Margin (QTR) % 4.00 4.11 3.50 3.16 4.22 8.60 4.25 3.49 4.66 

Equity to Assets % 9.25 9.22 9.40 7.20 10.82 15.64 9.62 9.10 8.56 

Noncurrent Loan Rate - Total Loans * % 1.37 1.47 0.87 2.39 1.31 1.99 1.19 0.91 1.43 

 Real Estate Loans % 0.92 0.95 0.83 1.72 1.16 1.53 0.83 0.88 1.35 

 C&I Loans % 2.85 3.16 2.22 4.37 1.96 2.85 2.23 2.30 2.23 

 Consumer Loans % 1.32 1.54 0.54 2.23 0.83 2.04 0.71 0.56 1.37 

Coverage Ratio ** % 125.17 127.21 109.27 89.54 114.27 245.05 136.72 91.32 110.41 Net Charge-Off Rate - All Loans (QTR) % 0.94 1.10 0.23 1.48 0.30 5.78 0.73 0.17 1.01 

 Real Estate Loans (QTR) % 0.11 0.14 0.05 0.09 0.06 0.30 0.13 0.05 0.34 

 C&I Loans (QTR) % 1.76 1.78 1.32 1.60 0.86 4.69 1.82 1.37 2.19 

 Consumer Loans (QTR) % 3.02 3.17 1.56 3.80 0.63 6.39 1.36 1.42 1.32 

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

Statistics At A Glance