Dollar Amounts in Billions 

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

Third Quarter 2004 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 9,025 7,660 1,365 6 1,783 35 4,386 1,000 136 Number of FDIC-Supervised 5,265 4,796 469 0 1,230 11 2,572 405 74 Total Assets $ 9,877 8,244 1,633 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 4,586 977 403 111 103 2,229 805 104 Net Income (QTR) $ 32.498 27.766 4.732 3.373 0.455 3.630 10.617 3.986 0.594 Percent Profitable (QTR) % 94.3 94.5 93.2 100.0 97.1 85.7 93.4 94.5 95.6 Average Return on Assets (QTR) % 1.33 1.36 1.18 0.86 1.33 4.14 1.34 1.15 1.16 Average Return on Equity (QTR) % 13.56 14.20 10.72 11.97 12.43 21.23 13.16 13.23 10.68 Net Interest Margin (QTR) % 3.62 3.71 3.17 2.67 4.16 8.73 3.92 3.12 4.04 Equity to Assets % 10.13 9.96 10.98 7.27 10.87 20.79 10.40 8.74 13.61 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 1.72 1.32 1.02 1.25 1.43  Consumer Loans % 1.32 1.39 0.67 2.33 0.80 1.94 0.58 0.61 0.49 Coverage Ratio ** % 165.43 171.17 127.87 115.30 143.04 255.85 196.10 72.54 202.10 Net Charge-Off Rate - All Loans (QTR) % 0.50 0.57 0.24 0.89 0.20 4.16 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 1.07 0.35 0.53 5.26 0.55 0.37 1.96  Consumer Loans (QTR) % 2.55 2.62 1.98 2.87 0.68 4.53 1.17 1.28 2.01 Third Quarter 2003

Number of FDIC-Insured 9,236 7,812 1,424 6 1,821 36 4,167 1,024 166 Number of FDIC-Supervised 5,321 4,833 488 0 1,261 11 2,429 402 85 Total Assets $ 8,943 7,472 1,471 1,428 129 309 3,096 1,589 192 Total Loans $ 5,334 4,351 983 574 81 232 2,086 1,081 153 Domestic Deposits $ 5,159 4,224 934 369 107 98 2,172 932 101 Net Income (QTR) $ 30.381 25.819 4.562 3.650 0.403 3.196 9.893 5.174 0.816 Percent Profitable (QTR) % 93.3 93.6 92.1 100.0 95.6 97.2 93.0 93.2 94.0 Average Return on Assets (QTR) % 1.36 1.38 1.26 1.02 1.25 4.25 1.28 1.33 1.68 Average Return on Equity (QTR) % 14.94 15.22 13.53 14.25 11.53 24.90 13.59 14.79 22.86 Net Interest Margin (QTR) % 3.67 3.77 3.19 2.89 4.08 8.28 3.92 3.32 4.71 Equity to Assets % 9.13 9.12 9.18 7.27 10.81 17.03 9.42 8.79 7.49 Noncurrent Loan Rate - Total Loans * % 1.17 1.25 0.83 2.33 1.33 1.70 1.02 0.82 0.99  Real Estate Loans % 0.81 0.81 0.80 1.23 1.17 0.46 0.78 0.81 0.89  C&I Loans % 2.51 2.58 1.48 4.82 2.19 1.30 1.86 1.48 2.25  Consumer Loans % 1.29 1.35 0.69 2.40 0.89 1.97 0.62 0.34 0.78 Coverage Ratio ** % 136.36 140.94 105.82 94.83 116.15 263.20 152.08 88.71 163.93 Net Charge-Off Rate - All Loans (QTR) % 0.73 0.82 0.30 1.40 0.29 4.80 0.47 0.19 1.34  Real Estate Loans (QTR) % 0.11 0.13 0.03 0.11 0.09 0.13 0.12 0.05 0.31  C&I Loans (QTR) % 1.18 1.20 0.80 1.84 0.73 4.98 1.06 0.62 1.85  Consumer Loans (QTR) % 2.88 2.88 2.92 3.13 1.02 5.38 1.39 1.79 2.71 * Nonaccruing loans and loans past due 90+ days** Loss reserve as a percentage of noncurrent loans

Statistics At A Glance

See back of page for FDIC historical trends.

Asset Concentration Group

As of September 30, 2004