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



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Statistics at a Glance

As of September 30, 2003

Dollar Amounts in Billions

Third 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 9,237 7,812 1,425 7 1,821 35 4,166 1,024 166 523 1,392 103
Number of FDIC-Supervised 5,321 4,832 489 0 1,261 11 2,428 402 85 282 811 41
Total Assets $ 8,946 7,474 1,471 1,484 129 253 3,096 1,589 192 62 192 1,949
Total Loans $ 5,334 4,351 983 602 81 204 2,086 1,081 153 17 108 1,001
Domestic Deposits $ 5,159 4,224 934 401 107 66 2,171 932 101 46 157 1,178
Net Income (QTR) $ 30.376 25.813 4.563 4.163 0.405 2.566 9.965 5.216 0.816 0.232 0.499 6.514
Percent Profitable (QTR) % 93.5 93.7 92.3 100.0 95.9 97.1 93.1 93.3 94.0 85.1 94.5 92.2
Average Return on Assets (QTR) % 1.36 1.38 1.26 1.11 1.26 4.18 1.29 1.34 1.68 1.49 1.04 1.33
Average Return on Equity (QTR) % 14.92 15.20 13.53 14.75 11.59 24.66 13.69 14.91 22.86 9.32 9.87 15.31
Net Interest Margin (QTR) % 3.65 3.75 3.19 2.87 4.08 8.68 3.92 3.32 4.71 3.01 3.83 3.21
Equity to Assets % 9.13 9.12 9.19 7.67 10.81 16.84 9.42 8.80 7.49 15.93 10.56 8.73
Noncurrent Loan Rate - Total Loans * % 1.17 1.24 0.83 2.31 1.33 1.66 1.01 0.82 0.99 1.06 1.10 1.09
Real Estate Loans % 0.81 0.81 0.80 1.23 1.17 0.46 0.78 0.81 0.89 0.92 1.03 0.72
C&I Loans % 2.51 2.57 1.48 4.79 2.19 1.30 1.86 1.48 2.25 1.77 1.86 2.62
Consumer Loans % 1.29 1.35 0.69 2.34 0.88 1.96 0.62 0.34 0.78 1.18 0.84 0.68
Coverage Ratio ** % 136.49 141.11 105.72 99.37 115.98 272.04 152.57 88.68 163.93 171.68 124.55 148.34
Net Charge-Off Rate - All Loans (QTR) % 0.72 0.82 0.30 1.52 0.29 4.83 0.47 0.19 1.34 2.47 0.37 0.48
Real Estate Loans (QTR) % 0.10 0.13 0.03 0.11 0.09 0.13 0.12 0.05 0.31 0.05 0.09 0.13
C&I Loans (QTR) % 1.17 1.19 0.80 1.83 0.73 5.00 1.05 0.62 1.85 0.58 0.80 0.94
Consumer Loans (QTR) % 2.83 2.83 2.91 3.17 1.02 5.49 1.39 1.79 2.71 15.48 1.17 1.45
Third Quarter 2002
Number of FDIC-Insured 9,415 7,931 1,484 5 1,877 41 4,081 1,159 206 453 1,495 98
Number of FDIC-Supervised 5,393 4,892 501 0 1,303 15 2,371 446 108 239 879 32
Total Assets $ 8,273 6,934 1,339 1,232 125 291 3,394 1,280 168 49 192 1,541
Total Loans $ 4,953 4,068 885 516 79 222 2,259 843 130 13 110 780
Domestic Deposits $ 4,779 3,928 851 311 102 103 2,302 755 82 36 158 929
Net Income (QTR) $ 27.305 23.332 3.973 2.000 0.427 2.652 10.875 4.317 0.491 0.192 0.581 5.771
Percent Profitable (QTR) % 93.7 93.8 93.2 60.0 96.4 95.1 92.4 94.8 94.2 85.9 95.1 98.0
Average Return on Assets (QTR) % 1.34 1.37 1.20 0.65 1.38 3.76 1.31 1.37 1.18 1.60 1.22 1.51
Average Return on Equity (QTR) % 14.52 14.84 12.89 9.08 12.63 24.28 13.69 15.53 14.44 9.48 11.27 17.02
Net Interest Margin (QTR) % 3.96 4.08 3.41 3.15 4.29 8.96 4.21 3.44 4.38 3.38 4.13 3.47
Equity to Assets % 9.22 9.22 9.26 7.26 11.04 15.39 9.53 8.82 7.78 16.73 10.90 8.87
Noncurrent Loan Rate - Total Loans * % 1.39 1.50 0.87 2.74 1.29 2.03 1.18 0.91 1.55 1.04 1.01 1.48
Real Estate Loans % 0.90 0.93 0.82 1.67 1.18 0.76 0.82 0.86 1.47 0.96 0.94 0.94
C&I Loans % 2.98 3.01 2.28 5.09 1.93 1.69 2.32 2.42 2.58 1.88 1.63 3.43
Consumer Loans % 1.38 1.45 0.63 2.21 0.85 2.17 0.71 0.62 1.45 0.69 0.81 0.54
Coverage Ratio ** % 121.71 123.42 108.12 84.21 115.37 237.25 134.27 88.40 106.03 162.00 132.87 117.46
Net Charge-Off Rate - All Loans (QTR) % 0.98 1.14 0.28 2.17 0.30 5.35 0.68 0.15 1.29 0.42 0.34 0.86
Real Estate Loans (QTR) % 0.12 0.15 0.05 0.14 0.09 -0.20 0.14 0.06 0.43 0.06 0.08 0.14
C&I Loans (QTR) % 2.02 2.05 1.34 3.50 0.72 5.60 1.67 1.03 1.99 0.39 0.79 1.97
Consumer Loans (QTR) % 3.07 3.15 2.24 4.11 0.74 5.79 1.43 1.08 1.79 1.53 1.08 2.21

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans




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