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



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Statistics at a Glance

As of September 30, 2001

Dollar Amounts in Billions

Commercial Banks

Savings Institutions

Total

3rd Qtr 2001 3rd Qtr 2000 3rd Qtr 2001 3rd Qtr 2000 3rd Qtr 2001
Number of FDIC-Insured 8,149 8,375 1,552 1,613 9,701
Number of FDIC-Supervised 4,997 5,129 515 531 5,512
Total Assets $ 6,556 6,067 1,287 1,201 7,843
Total Loans $ 3,861 3,779 871 823 4,732
Domestic Deposits $ 3,614 3,327 789 728 4,403
Net Income $ 17.353 19.257 3.476 2.540 20.829
Percent Profitable % 92.5 93.4 90.6 91.3 92.1
Average Return on Assets % 1.08 1.28 1.09 0.86 1.08
Assets under $1 Billion % 1.17 1.23 0.85 0.70 1.10
Assets over $1 Billion % 1.06 1.29 1.16 0.90 1.07
Average Return on Equity % 12.16 15.05 12.67 10.44 12.28
Net Interest Margin % 3.93 3.93 3.27 2.92 3.77
Equity to Assets % 8.94 8.59 8.68 8.32 8.71
Noncurrent Loans * % 1.34 1.03 0.82 0.67 1.25
Real Estate Loans % 0.93 0.77 0.78 0.62 0.89
C&I Loans % 2.17 1.52 1.68 1.39 2.15
Consumer Loans % 1.42 1.35 0.79 0.78 1.36
Coverage Ratio ** % 131.68 160.96 110.12 132.34 128.98
Net Charge-Off Rate % 0.96 0.61 0.27 0.19 0.83
Real Estate Loans % 0.29 0.09 0.06 0.03 0.22
C&I Loans % 1.30 0.69 1.40 0.90 1.30
Consumer Loans % 2.71 2.08 2.08 1.57 2.63

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

All Insured Institutions Sept. 30,
2001 YTD
2000 1999 1998 1997 1996
Credit Card Loans
Held on Balance Sheet $ 218 266 227 242 243 242
Securitized and Sold $ 329 306 395 261 193 156
Unused Commitments $ 2,809 2,537 2,129 2,042 1,677 1,402
Total Credit Card Lines $ 3,356 3,108 2,751 2,544 2,112 1,799
Credit Card Loss Rate $ 4.79 4.28 4.39 5.15 5.10 4.32
No of Personal Bankruptcies 1,096,881 1,217,628 1,281,360 1,397,695 1,349,510 1,124,286



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