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



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Statistics at a Glance

As of June 30, 2003

Dollar Amounts in Billions


Second Quarter 2003
All Insured Institiutions Commercial Banks Savings Institutions Asset Concentration Group
International Banks Agricultural Banks Credit Card Lenders Commercial Lenders Mortgage Lenders Consumer Lenders Other Specialized < $1 Billion All Other < $1Billion All Other > $1Billion
Number of FDIC-Insured 9,267 7,833 1,434 7 1,826 36 4,116 1,044 183 524 1,430 101
Number of FDIC-Supervised 5,321 4,833 488 0 1,262 10 2,396 422 91 275 829 36
Total Assets $ 8,923 7,485 1,438 1,484 128 239 3,117 1,407 380 65 196 1,907
Total Loans $ 5,246 4,291 955 592 79 189 2,076 920 309 17 110 954
Domestic Deposits $ 5,166 4,248 919 407 105 69 2,202 832 184 48 160 1,160
Net Income (QTR) $ 30.232 25.517 4.715 4.124 0.402 2.383 10.105 5.206 1.388 0.104 0.525 5.995
Percent Profitable (QTR) % 94.2 94.1 94.9 71.4 96.5 97.2 93.8 95.4 97.8 84.0 95.2 95.0
Average Return on Assets (QTR) % 1.38 1.39 1.33 1.14 1.27 4.04 1.31 1.50 1.49 0.65 1.08 1.29
Average Return on Equity (QTR) % 15.10 15.30 14.13 15.12 11.71 24.02 14.02 16.61 17.53 4.21 9.83 14.82
Net Interest Margin (QTR) % 3.74 3.83 3.29 3.13 4.03 8.91 3.98 3.25 4.59 2.80 3.86 3.27
Equity to Assets % 9.09 9.04 9.39 7.46 10.87 17.09 9.39 9.01 8.58 15.34 11.04 8.51
Noncurrent Loan Rate - Total Loans * % 1.24 1.32 0.84 2.37 1.43 1.82 1.06 0.88 0.92 1.02 1.10 1.24
Real Estate Loans % 0.84 0.85 0.81 1.42 1.24 0.48 0.80 0.88 0.56 0.91 1.03 0.79
C&I Loans % 2.65 2.69 1.79 4.79 2.21 1.58 1.94 1.80 1.92 2.03 1.95 2.99
Consumer Loans % 1.30 1.37 0.66 2.18 0.88 1.98 0.66 0.45 1.22 0.76 0.82 0.67
Coverage Ratio ** % 132.42 135.92 107.59 103.13 106.69 271.96 147.88 85.99 128.42 157.37 122.39 133.80
Net Charge-Off Rate - All Loans (QTR) % 0.79 0.90 0.31 1.56 0.25 5.46 0.56 0.18 0.89 0.55 0.30 0.56
Real Estate Loans (QTR) % 0.12 0.15 0.05 0.17 0.08 0.25 0.15 0.06 0.16 0.32 0.08 0.13
C&I Loans (QTR) % 1.34 1.33 1.49 1.52 0.73 5.81 1.32 1.01 2.03 0.60 0.72 1.11
Consumer Loans (QTR) % 3.01 3.06 2.56 4.01 0.65 5.99 1.41 1.35 1.86 1.68 1.02 2.04
Second Quarter 2002
Number of FDIC-Insured 9,466 7,967 1,499 6 1,892 47 4,079 1,168 216 440 1,526 92
Number of FDIC-Supervised 5,417 4,913 504 0 1,322 15 2,355 450 110 232 902 31
Total Assets $ 8,039 6,121 1,306 1,295 123 299 3,356 1,192 163 48 190 1,372
Total Loans $ 4,820 3,603 856 558 77 219 2,241 763 126 12 109 714
Domestic Deposits $ 4,613 3,448 820 329 102 113 2,287 702 79 35 157 810
Net Income (QTR) $ 27.245 21.243 3.877 3.654 0.398 2.751 10.639 3.826 0.632 0.203 0.565 4.577
Percent Profitable (QTR) % 92.9 93.0 92.3 100.0 96.3 93.6 91.1 93.6 94.9 86.1 94.2 97.8
Average Return on Assets (QTR) % 1.37 1.41 1.19 1.17 1.30 3.68 1.28 1.29 1.60 1.69 1.20 1.35
Average Return on Equity (QTR) % 14.88 15.27 12.90 15.81 12.15 24.17 13.35 14.38 18.82 9.73 11.58 15.96
Net Interest Margin (QTR) % 4.00 4.11 3.50 3.16 4.22 8.60 4.25 3.49 4.66 3.42 4.16 3.51
Equity to Assets % 9.25 9.22 9.40 7.20 10.82 15.64 9.62 9.10 8.56 17.54 10.53 8.46
Noncurrent Loan Rate - Total Loans * % 1.37 1.47 0.87 2.39 1.31 1.99 1.19 0.91 1.43 1.07 0.99 1.47
Real Estate Loans % 0.92 0.95 0.83 1.72 1.16 1.53 0.83 0.88 1.35 0.96 0.92 0.93
C&I Loans % 2.85 3.16 2.22 4.37 1.96 2.85 2.23 2.30 2.23 1.83 1.66 3.57
Consumer Loans % 1.32 1.54 0.54 2.23 0.83 2.04 0.71 0.56 1.37 0.64 0.76 0.43
Coverage Ratio ** % 125.17 127.21 109.27 89.54 114.27 245.05 136.72 91.32 110.41 158.78 136.71 115.72
Net Charge-Off Rate - All Loans (QTR) % 0.94 1.10 0.23 1.48 0.30 5.78 0.73 0.17 1.01 0.67 0.31 0.70
Real Estate Loans (QTR) % 0.11 0.14 0.05 0.09 0.06 0.30 0.13 0.05 0.34 0.09 0.08 0.16
C&I Loans (QTR) % 1.76 1.78 1.32 1.60 0.86 4.69 1.82 1.37 2.19 2.24 0.67 1.74
Consumer Loans (QTR) % 3.02 3.17 1.56 3.80 0.63 6.39 1.36 1.42 1.32 1.34 1.02 1.28

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans




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