Dollar Amounts in Billions 

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

Fourth Quarter 2004 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 8,975 7,630 1,345 5 1,730 34 4,424 990 132 Number of FDIC-Supervised 5,262 4,804 459 0 1,190 11 2,607 404 70 Total Assets $ 10,105 8,413 1,692 1,881 138 382 3,301 1,504 104 Total Loans $ 6,119 4,905 1,214 799 88 294 2,279 1,061 83 Domestic Deposits $ 5,718 4,727 991 559 113 106 2,320 863 58 Net Income (QTR) $ 31.771 27.030 4.740 3.626 0.372 3.264 10.274 4.526 0.418 Percent Profitable (QTR) % 90.8 90.6 91.9 100.0 90.0 88.2 91.7 91.7 93.9 Average Return on Assets (QTR) % 1.28 1.30 1.14 0.77 1.09 3.63 1.26 1.23 1.51 Average Return on Equity (QTR) % 12.57 13.08 10.31 9.68 10.05 18.89 12.71 11.78 14.31 Net Interest Margin (QTR) % 3.63 3.73 3.18 2.60 4.14 9.47 3.97 3.05 4.74 Equity to Assets % 10.28 10.10 11.18 8.05 10.79 20.52 10.09 10.55 11.36 Noncurrent Loan Rate - Total Loans * % 0.80 0.86 0.56 1.29 0.92 1.98 0.63 0.54 0.64  Real Estate Loans % 0.61 0.65 0.51 0.94 0.84 0.09 0.56 0.54 0.34  C&I Loans % 1.16 1.17 1.00 2.09 1.57 1.16 0.90 0.84 0.76  Consumer Loans % 1.40 1.46 0.83 2.07 0.79 2.18 0.55 0.37 0.76 Coverage Ratio ** % 167.78 174.64 125.38 135.34 156.74 215.84 206.31 97.06 259.42 Net Charge-Off Rate - All Loans (QTR) % 0.61 0.68 0.28 1.10 0.32 4.67 0.35 0.15 1.44  Real Estate Loans (QTR) % 0.08 0.10 0.05 0.18 0.12 0.09 0.10 0.05 0.14  C&I Loans (QTR) % 0.58 0.53 1.33 0.49 0.93 0.45 0.71 0.76 2.46  Consumer Loans (QTR) % 2.97 3.05 2.27 3.62 0.98 5.22 1.39 1.66 2.19 Fourth Quarter 2003

Number of FDIC-Insured 9,181 7,770 1,411 6 1,766 36 4,253 1,033 157 Number of FDIC-Supervised 5,319 4,836 483 0 1,224 11 2,499 409 80 Total Assets $ 9,075 7,601 1,474 1,448 129 348 2,924 1,658 147 Total Loans $ 5,434 4,429 1,006 572 79 267 1,960 1,135 121 Domestic Deposits $ 5,213 4,288 925 367 107 105 2,070 997 70 Net Income (QTR) $ 30.984 26.456 4.528 4.390 0.335 3.817 8.800 5.284 0.388 Percent Profitable (QTR) % 89.5 89.5 89.6 100.0 89.2 88.9 90.1 90.5 86.6 Average Return on Assets (QTR) % 1.38 1.41 1.24 1.22 1.05 4.64 1.22 1.26 1.07 Average Return on Equity (QTR) % 15.09 15.45 13.31 16.66 9.77 28.11 13.18 14.08 14.30 Net Interest Margin (QTR) % 3.75 3.85 3.22 3.06 4.05 8.82 3.93 3.21 4.83 Equity to Assets % 9.15 9.10 9.41 7.39 10.64 16.04 9.24 9.10 7.30 Noncurrent Loan Rate - Total Loans * % 1.12 1.20 0.80 2.24 1.15 2.04 0.88 0.95 1.07  Real Estate Loans % 0.83 0.86 0.77 1.30 1.03 0.40 0.75 0.97 1.20  C&I Loans % 2.06 2.10 1.29 4.25 1.88 1.28 1.39 1.30 2.06  Consumer Loans % 1.46 1.53 0.85 2.59 0.87 2.19 0.64 0.29 0.76 Coverage Ratio ** % 140.35 145.71 104.97 102.23 132.83 235.19 166.41 75.69 158.32 Net Charge-Off Rate - All Loans (QTR) % 0.80 0.91 0.29 1.36 0.43 5.31 0.49 0.13 2.82  Real Estate Loans (QTR) % 0.20 0.26 0.04 0.10 0.17 0.17 0.16 0.05 2.55  C&I Loans (QTR) % 1.09 1.13 0.40 1.57 1.26 5.87 1.00 0.21 2.70  Consumer Loans (QTR) % 3.09 3.10 3.01 3.29 0.80 5.86 1.52 1.31 3.10 * Nonaccruing loans and loans past due 90+ days** Loss reserve as a percentage of noncurrent loans

Statistics At A Glance