Dollar Amounts in Billions 

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

Fourth Quarter 2003 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 9,182 7,769 1,413 6 1,765 36 4,250 1,033 158 Number of FDIC-Supervised 5,318 4,833 485 0 1,223 11 2,497 409 80 Total Assets $ 9,077 7,602 1,474 1,448 129 348 2,923 1,658 147 Total Loans $ 5,434 4,429 1,006 572 79 267 1,959 1,135 121 Domestic Deposits $ 5,213 4,288 925 367 107 105 2,068 997 71 Net Income (QTR) $ 31.128 26.595 4.533 4.390 0.338 3.826 8.855 5.365 0.389 Percent Profitable (QTR) % 90.0 90.0 89.8 100.0 89.6 91.7 90.7 90.8 88.0 Average Return on Assets (QTR) % 1.38 1.41 1.24 1.22 1.06 4.65 1.22 1.28 1.07 Average Return on Equity (QTR) % 15.16 15.53 13.32 16.66 9.86 28.18 13.26 14.29 14.31 Net Interest Margin (QTR) % 3.75 3.86 3.22 3.06 4.05 8.78 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 1.19 0.80 2.24 1.15 2.03 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 % 2.05 2.10 1.29 4.23 1.87 1.28 1.40 1.30 2.06  Consumer Loans % 1.46 1.52 0.85 2.59 0.87 2.18 0.63 0.29 0.76 Coverage Ratio ** % 140.41 145.79 104.97 102.23 132.89 236.49 166.46 75.65 158.24 Net Charge-Off Rate - All Loans (QTR) % 0.79 0.91 0.28 1.36 0.43 5.31 0.48 0.13 2.76  Real Estate Loans (QTR) % 0.20 0.25 0.04 0.10 0.17 0.17 0.16 0.05 2.55  C&I Loans (QTR) % 1.08 1.12 0.39 1.56 1.27 5.87 1.00 0.20 2.70  Consumer Loans (QTR) % 3.07 3.08 3.01 3.29 0.80 5.86 1.47 1.32 2.99 Fourth Quarter 2002

Number of FDIC-Insured 9,354 7,887 1,467 5 1,823 40 4,070 1,107 196 

Number of FDIC-Supervised 5,353 4,860 493 0 1,259 13 2,359 426 106 Total Assets $ 8,436 7,077 1,359 1,274 124 299 2,960 1,342 166 

Total Loans $ 5,053 4,156 897 524 76 226 2,001 880 133 

Domestic Deposits $ 4,910 4,032 879 319 103 105 2,080 815 83 

Net Income (QTR) $ 25.446 21.455 3.992 1.336 0.310 2.773 9.354 4.610 0.588 

Percent Profitable (QTR) % 89.0 88.6 91.1 60.0 86.7 82.5 89.7 91.8 89.8 

Average Return on Assets (QTR) % 1.22 1.23 1.18 0.43 1.02 3.78 1.28 1.39 1.41 

Average Return on Equity (QTR) % 13.20 13.34 12.47 5.92 9.33 24.37 13.62 15.25 19.15 Net Interest Margin (QTR) % 3.91 4.03 3.33 3.28 4.17 8.77 4.11 3.38 4.73 

Equity to Assets % 9.20 9.15 9.46 7.14 10.76 15.49 9.36 9.08 7.35 

Noncurrent Loan Rate - Total Loans * % 1.36 1.46 0.93 2.76 1.20 2.15 1.15 0.95 1.46 

 Real Estate Loans % 0.89 0.89 0.90 1.50 1.09 0.60 0.84 0.94 1.29 

 C&I Loans % 2.88 2.92 2.00 5.32 1.86 1.82 2.13 1.80 2.75 

 Consumer Loans % 1.43 1.51 0.67 2.25 0.83 2.30 0.76 0.59 1.39 

Coverage Ratio ** % 123.74 127.17 98.84 85.87 125.24 223.16 139.70 80.43 108.46 Net Charge-Off Rate - All Loans (QTR) % 0.98 1.10 0.41 1.73 0.45 5.36 0.66 0.29 1.15 

 Real Estate Loans (QTR) % 0.16 0.18 0.10 0.16 0.15 0.23 0.17 0.11 0.24 

 C&I Loans (QTR) % 1.83 1.78 2.98 2.18 1.17 5.89 1.39 2.80 2.44 

 Consumer Loans (QTR) % 3.08 3.15 2.40 3.68 0.99 5.74 1.77 1.26 1.56 

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

Statistics At A Glance