Each depositor insured to at least $250,000 per insured bank



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Statistics at a Glance

As of December 31, 2001

Dollar Amounts in Billions

Commercial Banks

Savings Institutions

Total

4th Qtr 2001 4th Qtr 2000 4th Qtr 2001 4th Qtr 2000 4th Qtr 2001
Number of FDIC-Insured 8,080 8,315 1,533 1,589 9,613
Number of FDIC-Supervised 4,971 5,093 513 523 5,484
Total Assets $ 6,569 6,245 1,299 1,217 7,868
Total Loans $ 3,859 3,820 871 828 4,766
Domestic Deposits $ 3,762 3,473 798 735 4,560
Net Income $ 18.672 17.679 3.713 2.588 22.385
Percent Profitable % 87.2 87.8 89.8 88.3 87.6
Average Return on Assets % 1.13 1.15 1.16 0.86 1.14
Assets under $1 Billion % 1.08 1.09 0.79 0.66 1.01
Assets over $1 Billion % 1.15 1.16 1.27 0.92 1.16
Average Return on Equity % 12.57 13.44 13.60 10.23 12.73
Net Interest Margin % 4.15 3.90 3.44 2.90 4.03
Equity to Assets % 9.09 8.49 8.44 8.47 8.99
Noncurrent Loans * % 1.41 1.12 0.86 0.71 1.31
Real Estate Loans % 0.96 0.81 0.83 0.66 0.92
C&I Loans % 2.40 1.66 1.96 1.57 2.38
Consumer Loans % 1.50 1.41 0.65 0.82 1.42
Coverage Ratio ** % 131.04 149.36 102.34 124.44 127.56
Net Charge-Off Rate % 1.31 0.93 0.34 0.24 1.13
Real Estate Loans % 0.22 0.13 0.05 0.05 0.17
C&I Loans % 2.41 1.30 1.15 1.31 2.35
Consumer Loans % 3.32 3.01 3.05 1.86 3.29

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

All Insured Institutions 2001 2000 1999 1998 1997
Credit Card Loans
Held on Balance Sheet $ 232 266 227 242 243
Securitized and Sold $ 342 306 395 261 193
Unused Commitments $ 2,908 2,537 2,129 2,042 1,677
Total Credit Card Lines $ 3,482 3,108 2,751 2,544 2,112
Credit Card Loss Rate $ 5.14 4.28 4.39 5.15 5.10
No of Personal Bankruptcies 1,451,575 1,217,628 1,281,360 1,397,695 1,349,510



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