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



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Statistics at a Glance
As of March 31, 2005
Dollar Amounts in Billions
First Quarter 2005
All Insured Institutions 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 8,930 7,598 1,332 5 1,697 28 4,490 972 135 457 1,078 68
Number of FDIC-Supervised 5,243 4,791 452 0 1,174 10 2,650 387 71 255 661 35
Total Assets $ 10,282 8,589 1,693 1,876 135 364 3,463 1,583 111 54 136 2,561
Total Loans $ 6,201 4,980 1,221 788 86 272 2,397 1,109 87 14 76 1,372
Domestic Deposits $ 5,827 4,823 1,004 563 110 100 2,435 920 61 40 111 1,487
Net Income (QTR) $ 34.292 29.504 4.788 4.335 0.431 2.981 11.342 4.676 0.409 0.200 0.400 9.518
Percent Profitable (QTR) % 94.7 94.9 93.3 100.0 97.9 96.4 94.4 93.6 95.6 84.5 96.0 97.1
Average Return on Assets (QTR) % 1.35 1.39 1.15 0.92 1.28 3.23 1.33 1.20 1.51 1.49 1.18 1.51
Average Return on Equity (QTR) % 13.13 13.70 10.45 11.38 11.83 15.22 13.48 11.02 13.49 8.87 10.79 14.81
Net Interest Margin (QTR) % 3.54 3.63 3.13 2.64 4.04 8.16 3.90 2.96 4.75 3.05 3.86 3.31
Equity to Assets % 10.24 10.08 11.02 8.17 10.79 21.96 9.86 10.84 11.09 16.58 10.82 10.00
Noncurrent Loan Rate - Total Loans * % 0.75 0.80 0.52 1.22 0.97 1.68 0.60 0.52 0.64 0.94 0.81 0.71
Real Estate Loans % 0.59 0.64 0.47 0.91 0.86 0.12 0.55 0.50 0.53 0.89 0.78 0.70
C&I Loans % 1.04 1.03 1.17 1.66 1.60 1.10 0.86 1.04 0.77 1.16 1.26 0.88
Consumer Loans % 1.25 1.31 0.71 2.00 0.71 1.85 0.49 0.34 0.68 0.99 0.71 0.72
Coverage Ratio ** % 172.42 178.94 131.70 136.78 151.81 258.66 211.34 97.93 260.88 171.05 166.44 150.00
Net Charge-Off Rate - All Loans (QTR) % 0.47 0.52 0.23 0.76 0.12 4.39 0.22 0.10 1.50 0.22 0.22 0.18
Real Estate Loans (QTR) % 0.05 0.06 0.03 0.12 0.03 0.09 0.06 0.04 0.08 0.05 0.03 0.03
C&I Loans (QTR) % 0.28 0.23 1.06 0.02 0.35 3.01 0.39 0.28 2.62 0.18 0.25 0.09
Consumer Loans (QTR) % 2.55 2.60 2.06 2.77 0.50 4.84 1.04 1.30 2.04 0.82 1.29 1.13
First Quarter 2004
Number of FDIC-Insured 9,116 7,714 1,402 6 1,730 34 4,277 1,026 140 519 1,297 87
Number of FDIC-Supervised 5,291 4,812 479 0 1,192 11 2,513 410 72 286 767 40
Total Assets $ 9,377 7,818 1,559 1,493 128 332 2,898 1,396 506 59 168 2,397
Total Loans $ 5,549 4,489 1,059 573 78 248 1,952 965 392 16 94 1,231
Domestic Deposits $ 5,348 4,401 947 392 106 95 2,042 826 319 44 139 1,385
Net Income (QTR) $ 31.836 27.262 4.574 4.121 0.403 3.294 9.508 3.994 1.927 0.203 0.460 7.927
Percent Profitable (QTR) % 94.4 94.7 92.6 83.3 97.3 94.1 93.6 93.9 95.0 88.8 95.6 97.7
Average Return on Assets (QTR) % 1.38 1.42 1.21 1.12 1.27 3.93 1.33 1.17 1.52 1.38 1.10 1.36
Average Return on Equity (QTR) % 14.85 15.51 11.86 15.15 11.81 23.27 14.10 12.91 17.46 8.39 10.28 14.88
Net Interest Margin (QTR) % 3.68 3.78 3.18 2.87 3.98 9.13 3.92 3.13 4.39 3.04 3.82 3.23
Equity to Assets % 9.45 9.15 10.95 7.41 10.81 17.58 9.51 9.07 8.90 16.60 10.77 9.50
Noncurrent Loan Rate - Total Loans * % 1.00 1.08 0.67 2.10 1.21 1.86 0.83 0.72 1.08 1.05 1.01 0.78
Real Estate Loans % 0.75 0.79 0.64 1.19 1.07 0.36 0.71 0.72 1.24 0.86 0.98 0.55
C&I Loans % 1.88 1.91 1.41 4.10 1.93 1.55 1.32 1.50 1.24 2.09 1.59 1.73
Consumer Loans % 1.36 1.44 0.64 2.59 0.79 2.01 0.60 0.31 0.64 1.14 0.84 0.68
Coverage Ratio ** % 151.17 156.22 116.74 102.25 128.07 273.73 175.33 88.04 110.23 159.52 139.03 179.96
Net Charge-Off Rate - All Loans (QTR) % 0.64 0.72 0.28 1.30 0.12 5.22 0.31 0.12 0.71 0.70 0.24 0.34
Real Estate Loans (QTR) % 0.08 0.10 0.05 0.06 0.04 0.11 0.09 0.04 0.17 0.03 0.07 0.09
C&I Loans (QTR) % 0.70 0.69 0.94 1.01 0.24 4.75 0.55 0.52 0.93 1.30 0.40 0.61
Consumer Loans (QTR) % 2.99 3.03 2.58 3.51 0.58 5.62 1.31 1.35 2.23 3.49 1.05 1.31

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

Last Updated 05/26/2005 Questions, Suggestions & Requests