Plunkett's Banking, Mortgages & Credit Industry Almanac 2010

Jack W. Plunkett is CEO & Publisher of Plunkett Research, Ltd., a Houston-based provider of market research and industry information in printed and electronic formats. Plunkett Research provides analysis, statistics and other vital data on all major industry sectors, from InfoTech to Retailing to Banking and Nanotechnology. Plunkett's client list includes 10,000 leading corporations, universities and government agencies worldwide. Plunkett's research products are distributed electronically through subscriptions to its website and around the globe by major booksellers and news distributors, including Bloomberg and ThomsonReuters. Jack Plunkett is the author of numerous books, including The Next Boom: What you absolutely, positively have to know about the world between now and 2025. This book won a 2011 gold medal in the Business Book Awards competition sponsored by Axiom and INC Magazine. Plunkett is frequently interviewed as an expert source by publications such as Time magazine, The Wall Street Journal, The New York Times and Investor's Business Daily, media outlets such as NPR's Marketplace, ABC, and CBS Marketwatch, as well as local and regional newspapers and national columnists. Plunkett received an Academic Book of the Year Award for his Plunkett’s Health Care Industry Almanac, and he was a regional finalist in the Entrepreneur of the Year Awards sponsored by Ernst & Young.

PLUNKETT'S BANKING, MORTGAGES & CREDIT INDUSTRY ALMANAC 2010 CONTENTS A Short Banking, Mortgages & Credit Industry Glossary xii Introduction 1 How to Use This Book 3 Chapter 1: Major Trends Affecting the Banking, Mortgages & Credit Industry 7 1) Introduction to the Banking, Mortgages & Credit Industry 7 2) For the Long Term in the U.S., a Decline in Consumer Spending and Debt, along with an Increase in Saving 10 3) Nationalization of Banks and Investment Firms Worldwide 11 4) Giant Mergers Change the Face of Global Banking and Investment Firms 12 5) Banks Adopt Sophisticated Technology and Retail Perks to Attract Customers 13 6) Banks Vie for Previously Underserved Markets and Focus on Hispanics 13 7) Japan May Halt the Privatization of the Japan Post-One of the World's Largest Financial Services Organizations 15 8) China's Banking Market Posts Growth 15 9) India's Banking Restrictions Slow Foreign Investment 16 10) ATMs Evolve from Cash-Dispensing Machines into Financial Services Depots 17 11) Credit Default Swaps (CDS) Soar into the Trillions of Dollars 17 12) Banks See Growth in Online Services 19 13) Commercial Mortgage Defaults and Foreclosures Rise 20 14) Credit Card Debts Could be the Next Big Problem/Credit Card Competition is Fierce 21 15) Credit Card Technologies Advance with Better Security and Contactless Payment 23 16) Mobile Banking, Remittances and Wireless Payments Grow as the Global Cell Phone Subscriber Base Hits 4 Billion 24 17) Subprime and Alt-A Mortgages/ Foreclosures Burn Overburdened Homeowners 26 18) Mortgage Origination Fees Fall/Online Competition Changes the Industry 27 19) Mortgage Market Facts 28 Chapter 2: Banking, Mortgages & Credit Industry Statistics 34 U.S. Banking, Credit and Mortgages Industry Overview 35 I. Banking 36 Top 50 U.S. Bank Holding Companies: June 30, 2009 37 World's Top 20 Banks by Total Assets: 2008 39 FDIC Insured Institution Statistics 40 Number of Failed U.S. Bank Institutions 41 Deposit Insurance Fund Balance and Insured Deposits 42 Assets & Liabilities of FDIC-Insured Commercial Banks, Grouped by Asset Size: June 2009 43 Top Ten Federally-Chartered & State-Chartered Banks by Assets: 2009 44 Deposits, Income & Expenses of FDIC-Insured Commercial Banks: June, 2005-2009 45 Assets & Liabilities of Foreign Banking Offices in the U.S.: 2004-2nd Quarter 2009 46 Savings & Investment, U.S.: 1965-2nd Quarter 2009 47 Prime Interest Rate, U.S.: 1955-October 2009 48 Bond Yields & Interest Rates, U.S., Selected Years: 1940-2008 49 Employment in the Banking Industry, U.S.: 2002-2009 50 II. Mortgages 51 Homeownership Rates by Region, U.S.: 2001-2008 52 Homeownership Rates by Race & Ethnicity of Householder, U.S.: 2001-2008 53 New Privately-Owned Housing Units Started, U.S.: 1980-2008 54 Mortgage Loans Outstanding, U.S.: 1975-2nd Quarter 2009 55 Home Mortgages by Holder, U.S.: 2003-2nd Quarter 2009 56 Liabilities & Assets, U.S. Agency- & Government Sponsored Enterprise (GSE)-Backed Securities by Holder: 2004-2nd Quarter 2009 57 Top Ten U.S. Mortgage Finance Companies by Managed Receivables: 2008 58 III. Credit 59 Consumer Credit Outstanding, U.S.: 1965-August 2009 60 Consumer Credit Outstanding by Major Holders, U.S.: 2004-August 2009 61 Terms of Credit at Commercial Banks, U.S.: 2004-August 2009 62 Loan Performance, FDIC-Insured Institutions: March 2009 63 Chapter 3: Important Banking, Mortgages & Credit Industry Contacts 64 (Addresses, Phone Numbers and Internet Sites) Chapter 4: THE BANKING & LENDING 300: Who They Are and How They Were Chosen 85 Industry List, With Codes 86 Index of Rankings Within Industry Groups 87 Alphabetical Index 95 Index of U.S. Headquarters Location by State 98 Index of Non-U.S. Headquarters Location by Country 101 Index by Regions of the U.S. Where the Firms Have Locations 102 Index by Firms with International Operations 109 Individual Data Profiles on Each of THE BANKING & LENDING 300 112 Additional Indexes Index of Hot Spots for Advancement for Women/Minorities 434 Index by Subsidiaries, Brand Names and Selected Affiliations 436