Dollar Amounts in Billions 

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

Second Quarter 2004 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 9,079 7,691 1,388 6 1,775 36 4,351 995 145 Number of FDIC-Supervised 5,278 4,800 478 0 1,215 11 2,553 400 79 Total Assets $ 9,649 8,048 1,600 1,555 136 334 3,031 1,402 161 Total Loans $ 5,783 4,672 1,111 614 86 253 2,072 1,005 132 Domestic Deposits $ 5,456 4,499 957 404 110 89 2,125 800 80 Net Income (QTR) $ 31.184 26.646 4.538 2.582 0.431 3.411 10.178 4.114 0.613 Percent Profitable (QTR) % 94.0 94.3 92.0 83.3 97.0 91.7 93.3 94.3 96.6 Average Return on Assets (QTR) % 1.31 1.34 1.16 0.68 1.27 4.09 1.36 1.21 1.54 Average Return on Equity (QTR) % 13.87 14.64 10.59 9.30 11.92 22.96 14.47 13.76 19.37 Net Interest Margin (QTR) % 3.64 3.72 3.23 2.81 4.05 9.04 3.93 3.18 4.63 Equity to Assets % 9.50 9.22 10.94 7.18 10.52 18.02 9.34 8.65 7.99 Noncurrent Loan Rate - Total Loans * % 0.89 0.96 0.60 1.81 1.09 1.70 0.73 0.73 0.86  Real Estate Loans % 0.67 0.72 0.56 0.96 0.99 0.25 0.65 0.73 1.00  C&I Loans % 1.61 1.62 1.32 3.62 1.79 1.34 1.10 1.37 1.54  Consumer Loans % 1.29 1.37 0.65 2.42 0.78 1.87 0.57 0.50 0.55 Coverage Ratio ** % 163.34 168.38 129.36 113.46 138.30 281.46 193.27 78.18 181.44 Net Charge-Off Rate - All Loans (QTR) % 0.58 0.65 0.25 0.99 0.18 5.11 0.32 0.11 1.15  Real Estate Loans (QTR) % 0.07 0.09 0.03 0.03 0.06 0.09 0.10 0.03 0.07  C&I Loans (QTR) % 0.59 0.56 1.20 0.44 0.47 3.14 0.65 0.58 2.19  Consumer Loans (QTR) % 2.89 2.97 2.17 3.16 0.61 5.67 1.21 1.13 2.12 Second Quarter 2003

Number of FDIC-Insured 9,268 7,833 1,435 6 1,826 37 4,118 1,045 183 

Number of FDIC-Supervised 5,322 4,834 488 0 1,262 10 2,396 422 91 

Total Assets $ 8,923 7,485 1,438 1,429 128 294 3,122 1,408 380 

Total Loans $ 5,250 4,294 956 567 79 218 2,078 921 309 

Domestic Deposits $ 5,167 4,248 919 375 105 101 2,204 832 184 Net Income (QTR) $ 30.198 25.492 4.707 3.606 0.399 2.901 10.123 5.172 1.388 

Percent Profitable (QTR) % 94.1 94.0 94.7 66.7 96.3 97.3 93.6 95.3 97.8 

Average Return on Assets (QTR) % 1.38 1.39 1.32 1.04 1.26 4.01 1.31 1.49 1.49 

Average Return on Equity (QTR) % 15.08 15.28 14.10 14.44 11.62 23.75 14.02 16.50 17.53 

Net Interest Margin (QTR) % 3.73 3.82 3.29 3.01 4.03 8.44 3.98 3.25 4.59 

Equity to Assets % 9.09 9.04 9.39 7.08 10.87 17.13 9.40 9.01 8.58 

Noncurrent Loan Rate - Total Loans * % 1.23 1.32 0.84 2.39 1.43 1.83 1.06 0.89 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 % 2.66 2.70 1.80 4.82 2.21 1.57 1.93 1.80 1.92 

 Consumer Loans % 1.30 1.37 0.66 2.25 0.87 1.97 0.67 0.45 1.22 

Coverage Ratio ** % 132.54 136.06 107.61 98.61 107.07 264.78 147.91 85.93 128.42 Net Charge-Off Rate - All Loans (QTR) % 0.79 0.90 0.31 1.39 0.25 5.37 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 1.52 1.53 0.73 5.79 1.31 1.05 2.03 

 Consumer Loans (QTR) % 3.01 3.06 2.56 3.81 0.65 5.84 1.41 1.35 1.86 

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

Statistics At A Glance