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



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Statistics at a Glance

As of March 31, 2003

Dollar Amounts in Billions


First 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 9,314 7,864 1,450 6 1,800 40 4,099 1,072 172 501 1,525 99
Number of FDIC-Supervised 5,341 4,849 492 0 1,243 12 2,380 408 84 276 901 37
Total Assets $ 8,606 7,196 1,410 1,328 122 237 3,054 1,418 366 59 202 1,820
Total Loans $ 5,126 4,192 934 548 74 186 2,039 928 291 16 114 930
Domestic Deposits $ 5,026 4,126 900 350 101 70 2,146 845 189 44 166 1,115
Net Income (QTR) $ 29.377 24.942 4.434 3.862 0.376 2.227 9.942 5.171 1.394 0.183 0.566 5.656
Percent Profitable (QTR) % 94.1 94.3 93.1 100.0 96.2 95.0 93.4 94.4 96.5 85.6 95.6 97.0
Average Return on Assets (QTR) % 1.38 1.40 1.28 1.17 1.24 3.66 1.32 1.49 1.57 1.25 1.13 1.25
Average Return on Equity (QTR) % 15.00 15.27 13.64 15.43 11.49 23.19 14.08 16.48 18.45 7.64 10.68 13.89
Net Interest Margin (QTR) % 3.80 3.89 3.36 3.30 4.00 8.39 4.00 3.37 4.61 2.96 3.94 3.33
Equity to Assets % 9.20 9.16 9.39 7.58 10.78 16.47 9.36 9.01 8.45 16.07 10.58 8.97
Noncurrent Loan Rate - Total Loans * % 1.31 1.40 0.89 2.51 1.39 1.99 1.14 0.91 0.92 1.62 1.05 1.37
Real Estate Loans % 0.89 0.90 0.86 1.61 1.21 0.53 0.85 0.90 0.51 1.63 0.95 0.90
C&I Loans % 2.76 2.80 1.92 4.99 2.06 1.75 2.09 1.72 2.11 2.89 1.86 3.07
Consumer Loans % 1.35 1.42 0.67 2.09 0.86 2.19 0.72 0.52 1.25 0.72 0.86 0.66
Coverage Ratio ** % 127.76 131.50 101.23 99.27 110.50 256.98 139.49 83.77 130.30 101.80 129.96 129.91
Net Charge-Off Rate - All Loans (QTR) % 0.81 0.92 0.32 1.69 0.15 5.57 0.55 0.19 0.90 0.36 0.25 0.61
Real Estate Loans (QTR) % 0.10 0.12 0.05 0.15 0.03 0.15 0.10 0.07 0.16 0.07 0.07 0.14
C&I Loans (QTR) % 1.39 1.39 1.41 1.75 0.32 5.91 1.34 0.95 2.05 1.30 0.56 1.21
Consumer Loans (QTR) % 3.02 3.04 2.74 3.88 0.52 6.08 1.57 1.42 1.78 0.76 0.85 1.62
First Quarter 2002
Number of FDIC-Insured 9,521 8,005 1,516 6 1,852 48 4,032 1,201 214 463 1,610 95
Number of FDIC-Supervised 5,441 4,932 509 0 1,289 14 2,316 461 110 250 968 33
Total Assets $ 7,823 5,897 1,336 1,211 119 299 3,579 1,191 151 49 198 1,025
Total Loans $ 4,754 3,533 867 540 72 220 2,405 762 121 13 114 506
Domestic Deposits $ 4,569 3,395 834 323 99 116 2,443 694 78 35 164 616
Net Income (QTR) $ 25.348 19.737 3.638 2.477 0.372 2.497 12.049 3.862 0.534 -0.262 0.567 3.253
Percent Profitable (QTR) % 92.8 93.0 91.7 100.0 96.0 89.6 91.1 93.8 96.7 82.9 94.7 96.8
Average Return on Assets (QTR) % 1.29 1.33 1.10 0.82 1.25 3.22 1.34 1.31 1.44 -2.11 1.15 1.26
Average Return on Equity (QTR) % 14.20 14.53 12.51 10.89 11.92 22.93 14.05 15.19 17.80 -12.68 11.19 15.93
Net Interest Margin (QTR) % 4.06 4.18 3.52 3.53 4.07 8.49 4.17 3.56 5.06 3.43 4.03 3.50
Equity to Assets % 9.22 9.27 9.00 7.57 10.56 14.85 9.62 8.83 8.41 16.30 10.25 8.02
Noncurrent Loan Rate - Total Loans * % 1.37 1.47 0.92 2.27 1.30 2.22 1.25 0.96 1.40 1.01 0.98 1.31
Real Estate Loans % 0.96 0.99 0.89 1.68 1.17 1.59 0.90 0.93 1.27 0.92 0.90 0.99
C&I Loans % 2.60 2.88 2.12 3.83 1.94 2.66 2.29 2.08 2.24 1.71 1.64 2.71
Consumer Loans % 1.39 1.63 0.59 2.10 0.85 2.31 0.66 0.65 1.36 0.68 0.79 0.78
Coverage Ratio ** % 127.56 131.38 100.15 99.47 117.59 225.84 135.19 85.04 102.33 162.34 133.92 125.10
Net Charge-Off Rate - All Loans (QTR) % 0.98 1.14 0.25 1.49 0.20 7.09 0.62 0.16 1.10 0.67 0.24 0.84
Real Estate Loans (QTR) % 0.12 0.15 0.06 0.19 0.05 0.54 0.11 0.05 0.66 0.60 0.06 0.24
C&I Loans (QTR) % 1.47 1.47 1.35 1.58 0.46 4.51 1.36 1.07 1.74 0.30 0.43 1.88
Consumer Loans (QTR) % 3.70 3.92 1.72 4.51 0.55 8.08 1.61 1.47 1.35 1.31 0.90 1.69

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans




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