Dollar Amounts in Billions 

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

First Quarter 2003 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 9,314 7,864 1,450 6 1,800 40 4,099 1,072 172 Number of FDIC-Supervised 5,341 4,849 492 0 1,243 12 2,380 408 84 Total Assets $ 8,606 7,196 1,410 1,328 122 237 3,054 1,418 366 Total Loans $ 5,126 4,192 934 548 74 186 2,039 928 291 Domestic Deposits $ 5,026 4,126 900 350 101 70 2,146 845 189 Net Income (QTR) $ 29.377 24.942 4.434 3.862 0.376 2.227 9.942 5.171 1.394 Percent Profitable (QTR) % 94.1 94.3 93.1 100.0 96.2 95.0 93.4 94.4 96.5 Average Return on Assets (QTR) % 1.38 1.40 1.28 1.17 1.24 3.66 1.32 1.49 1.57 Average Return on Equity (QTR) % 15.00 15.27 13.64 15.43 11.49 23.19 14.08 16.48 18.45 Net Interest Margin (QTR) % 3.80 3.89 3.36 3.30 4.00 8.39 4.00 3.37 4.61 Equity to Assets % 9.20 9.16 9.39 7.58 10.78 16.47 9.36 9.01 8.45 Noncurrent Loan Rate - Total Loans * % 1.31 1.40 0.89 2.51 1.39 1.99 1.14 0.91 0.92  Real Estate Loans % 0.89 0.90 0.86 1.61 1.21 0.53 0.85 0.90 0.51  C&I Loans % 2.76 2.80 1.92 4.99 2.06 1.75 2.09 1.72 2.11  Consumer Loans % 1.35 1.42 0.67 2.09 0.86 2.19 0.72 0.52 1.25 Coverage Ratio ** % 127.76 131.50 101.23 99.27 110.50 256.98 139.49 83.77 130.30 Net Charge-Off Rate - All Loans (QTR) % 0.81 0.92 0.32 1.69 0.15 5.57 0.55 0.19 0.90  Real Estate Loans (QTR) % 0.10 0.12 0.05 0.15 0.03 0.15 0.10 0.07 0.16  C&I Loans (QTR) % 1.39 1.39 1.41 1.75 0.32 5.91 1.34 0.95 2.05  Consumer Loans (QTR) % 3.02 3.04 2.74 3.88 0.52 6.08 1.57 1.42 1.78 First Quarter 2002

Number of FDIC-Insured 9,521 8,005 1,516 6 1,852 48 4,032 1,201 214 Number of FDIC-Supervised 5,441 4,932 509 0 1,289 14 2,316 461 110 Total Assets $ 7,823 5,897 1,336 1,211 119 299 3,579 1,191 151 Total Loans $ 4,754 3,533 867 540 72 220 2,405 762 121 Domestic Deposits $ 4,569 3,395 834 323 99 116 2,443 694 78 Net Income (QTR) $ 25.348 19.737 3.638 2.477 0.372 2.497 12.049 3.862 0.534 Percent Profitable (QTR) % 92.8 93.0 91.7 100.0 96.0 89.6 91.1 93.8 96.7 Average Return on Assets (QTR) % 1.29 1.33 1.10 0.82 1.25 3.22 1.34 1.31 1.44 Average Return on Equity (QTR) % 14.20 14.53 12.51 10.89 11.92 22.93 14.05 15.19 17.80 Net Interest Margin (QTR) % 4.06 4.18 3.52 3.53 4.07 8.49 4.17 3.56 5.06 Equity to Assets % 9.22 9.27 9.00 7.57 10.56 14.85 9.62 8.83 8.41 Noncurrent Loan Rate - Total Loans * % 1.37 1.47 0.92 2.27 1.30 2.22 1.25 0.96 1.40  Real Estate Loans % 0.96 0.99 0.89 1.68 1.17 1.59 0.90 0.93 1.27  C&I Loans % 2.60 2.88 2.12 3.83 1.94 2.66 2.29 2.08 2.24  Consumer Loans % 1.39 1.63 0.59 2.10 0.85 2.31 0.66 0.65 1.36 Coverage Ratio ** % 127.56 131.38 100.15 99.47 117.59 225.84 135.19 85.04 102.33 Net Charge-Off Rate - All Loans (QTR) % 0.98 1.14 0.25 1.49 0.20 7.09 0.62 0.16 1.10  Real Estate Loans (QTR) % 0.12 0.15 0.06 0.19 0.05 0.54 0.11 0.05 0.66  C&I Loans (QTR) % 1.47 1.47 1.35 1.58 0.46 4.51 1.36 1.07 1.74  Consumer Loans (QTR) % 3.70 3.92 1.72 4.51 0.55 8.08 1.61 1.47 1.35 * Nonaccruing loans and loans past due 90+ days** Loss reserve as a percentage of noncurrent loans

QBP - Stats At A Glance

Asset Concentration Group

As of March 31, 2003