Dollar Amounts in Billions 

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

Second Quarter 2005 Institutions Banks Institutions Banks Banks Lenders Lenders Lenders Lenders <

Number of FDIC-Insured 8,868 7,549 1,319 6 1,731 29 4,546 953 118 Number of FDIC-Supervised 5,228 4,779 449 0 1,201 11 2,698 377 65 Total Assets $ 10,474 8,725 1,750 1,927 139 372 3,648 1,642 146 Total Loans $ 6,405 5,129 1,276 815 90 276 2,538 1,170 110 Domestic Deposits $ 5,926 4,900 1,026 582 112 101 2,554 939 83 Net Income (QTR) $ 33.131 27.988 5.144 3.403 0.466 2.925 12.163 4.897 0.530 Percent Profitable (QTR) % 94.5 94.5 94.4 100.0 97.8 93.1 93.7 94.0 98.3 Average Return on Assets (QTR) % 1.28 1.29 1.20 0.71 1.35 3.18 1.35 1.22 1.40 Average Return on Equity (QTR) % 12.35 12.68 10.81 8.41 12.39 14.56 13.46 11.22 10.73 Net Interest Margin (QTR) % 3.49 3.57 3.12 2.57 4.13 8.43 3.86 2.87 4.23 Equity to Assets % 10.38 10.23 11.12 8.46 10.97 21.70 10.09 10.89 12.08 Noncurrent Loan Rate - Total Loans * % 0.71 0.78 0.47 1.20 0.90 1.58 0.60 0.51 0.55  Real Estate Loans % 0.59 0.66 0.43 1.08 0.81 0.15 0.56 0.50 0.40  C&I Loans % 0.93 0.93 1.00 1.52 1.53 1.04 0.81 0.76 0.81  Consumer Loans % 1.21 1.28 0.58 2.00 0.77 1.74 0.50 0.37 0.63 Coverage Ratio ** % 172.58 177.39 140.33 130.60 157.80 273.74 203.68 94.16 276.94 Net Charge-Off Rate - All Loans (QTR) % 0.42 0.47 0.22 0.66 0.14 4.18 0.21 0.09 1.11  Real Estate Loans (QTR) % 0.05 0.06 0.04 0.09 0.04 0.16 0.07 0.04 0.10  C&I Loans (QTR) % 0.28 0.23 1.13 0.13 0.50 2.49 0.37 -0.05 2.70  Consumer Loans (QTR) % 2.36 2.44 1.71 2.51 0.52 4.63 0.97 1.16 1.76 Second Quarter 2004

Number of FDIC-Insured 9,078 7,694 1,384 6 1,775 36 4,350 997 144 Number of FDIC-Supervised 5,279 4,805 474 0 1,215 11 2,554 400 79 

Total Assets $ 9,649 8,050 1,598 1,555 136 334 3,031 1,402 161 

Total Loans $ 5,783 4,673 1,111 614 86 253 2,071 1,005 132 

Domestic Deposits $ 5,463 4,507 956 410 110 89 2,125 801 80 

Net Income (QTR) $ 31.155 26.638 4.518 2.582 0.430 3.403 10.159 4.115 0.613 

Percent Profitable (QTR) % 93.9 94.3 91.9 83.3 96.8 91.7 93.2 94.5 96.5 

Average Return on Assets (QTR) % 1.31 1.34 1.16 0.68 1.27 4.08 1.36 1.21 1.54 

Average Return on Equity (QTR) % 13.85 14.63 10.55 9.30 11.89 22.93 14.45 13.76 19.37 Net Interest Margin (QTR) % 3.64 3.72 3.23 2.81 4.05 9.03 3.93 3.18 4.63 

Equity to Assets % 9.50 9.22 10.94 7.18 10.52 18.01 9.35 8.65 7.99 

Noncurrent Loan Rate - Total Loans * % 0.89 0.96 0.59 1.81 1.09 1.70 0.73 0.73 0.86 

 Real Estate Loans % 0.67 0.72 0.55 0.96 0.99 0.25 0.65 0.72 1.00 

 C&I Loans % 1.61 1.62 1.32 3.62 1.80 1.34 1.10 1.38 1.54 

 Consumer Loans % 1.29 1.37 0.64 2.42 0.78 1.87 0.57 0.50 0.55 

Coverage Ratio ** % 163.10 167.98 129.93 113.46 137.99 279.80 193.01 78.19 181.44 Net Charge-Off Rate - All Loans (QTR) % 0.58 0.65 0.25 0.99 0.18 5.08 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 0.49 2.20 

 Consumer Loans (QTR) % 2.88 2.96 2.17 3.16 0.62 5.63 1.26 1.11 2.12 

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

Statistics At A Glance