Dollar Amounts in Billions 

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

Fourth Quarter 2005 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 8,832 7,527 1,305 4 1,685 33 4,617 886 125 Number of FDIC-Supervised 5,245 4,802 443 0 1,159 13 2,771 351 68 

Total Assets $ 10,877 9,040 1,837 1,851 142 358 4,257 1,655 117 

Total Loans $ 6,716 5,380 1,336 830 92 272 2,914 1,196 93 

Domestic Deposits $ 6,221 5,153 1,068 589 116 94 2,961 961 70 

Net Income (QTR) $ 32.886 27.709 5.177 3.664 0.395 1.963 13.962 4.199 0.396 Percent Profitable (QTR) % 90.6 90.8 89.6 100.0 91.5 90.9 91.8 89.2 87.2 

Average Return on Assets (QTR) % 1.22 1.24 1.14 0.79 1.13 2.23 1.32 1.03 1.36 

Average Return on Equity (QTR) % 11.90 12.26 10.28 9.61 10.53 10.24 12.22 11.06 13.43 Net Interest Margin (QTR) % 3.49 3.59 3.04 2.58 4.14 8.88 3.91 2.74 4.49 

Equity to Assets % 10.29 10.10 11.23 8.30 10.56 21.58 10.84 9.39 10.11 

Noncurrent Loan Rate - Total Loans * % 0.74 0.75 0.72 0.99 0.82 1.75 0.61 0.71 0.62 

 Real Estate Loans % 0.71 0.70 0.72 1.13 0.78 1.54 0.61 0.72 0.41 

 C&I Loans % 0.76 0.75 0.88 1.03 1.32 1.23 0.66 0.88 0.69 

 Consumer Loans % 1.13 1.20 0.60 1.47 0.81 1.80 0.72 0.49 0.72 

Coverage Ratio ** % 155.04 170.49 90.30 141.53 169.46 241.15 187.78 68.79 253.82 

Net Charge-Off Rate - All Loans (QTR) % 0.60 0.66 0.33 0.86 0.25 6.17 0.29 0.19 1.67 

 Real Estate Loans (QTR) % 0.06 0.07 0.03 0.08 0.06 1.43 0.08 0.03 0.09 

 C&I Loans (QTR) % 0.46 0.42 1.08 0.21 0.74 3.14 0.53 0.28 3.24 

 Consumer Loans (QTR) % 3.25 3.28 3.01 3.14 1.15 6.46 1.24 3.15 2.27 

Fourth Quarter 2004

Number of FDIC-Insured 8,976 7,631 1,345 5 1,731 34 4,424 990 132 Number of FDIC-Supervised 5,264 4,805 459 0 1,190 11 2,608 405 70 

Total Assets $ 10,106 8,414 1,692 1,881 139 383 3,302 1,504 104 

Total Loans $ 6,119 4,904 1,214 799 88 294 2,278 1,061 83 

Domestic Deposits $ 5,719 4,727 991 559 113 106 2,320 863 58 

Net Income (QTR) $ 31.212 26.480 4.733 3.626 0.363 3.340 10.223 4.510 0.418 

Percent Profitable (QTR) % 90.4 90.1 91.7 100.0 89.7 88.2 91.0 91.6 93.2 

Average Return on Assets (QTR) % 1.25 1.28 1.14 0.77 1.06 3.72 1.25 1.22 1.50 

Average Return on Equity (QTR) % 12.35 12.80 10.30 9.68 9.78 19.31 12.64 11.74 14.30 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 % 10.29 10.11 11.18 8.05 10.78 20.56 10.10 10.55 11.36 

Noncurrent Loan Rate - Total Loans * % 0.80 0.86 0.55 1.29 0.92 1.95 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 2.08 1.57 1.16 0.90 0.84 0.77 

 Consumer Loans % 1.39 1.46 0.73 2.07 0.80 2.14 0.55 0.37 0.76 

Coverage Ratio ** % 168.08 174.67 126.89 135.34 156.78 219.07 206.15 97.19 259.70 

Net Charge-Off Rate - All Loans (QTR) % 0.60 0.68 0.28 1.10 0.31 4.65 0.35 0.15 1.44 

 Real Estate Loans (QTR) % 0.08 0.10 0.05 0.18 0.12 0.09 0.11 0.05 0.14 

 C&I Loans (QTR) % 0.58 0.53 1.34 0.49 0.96 0.45 0.72 0.76 2.46 

 Consumer Loans (QTR) % 2.95 3.02 2.27 3.62 0.80 5.19 1.34 1.67 2.19 

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

Statistics At A Glance

Asset Concentration Group

As of December 31, 2005