FDIC: QBP Graph Data Points

Utilization Rates of Loan Commitments

Report Date	Credit Cards	Commercial and Industrial	Home Equity	Nonfarm Nonresidential Loans
March 31, 2003	16.07%	37.90%	50.18%	81.29%
June 30, 2003	16.20%	37.36%	50.72%	80.69%
September 30, 2003	16.16%	36.99%	50.48%	80.24%
December 31, 2003	18.13%	37.61%	51.47%	79.87%
March 31, 2004	16.19%	36.59%	48.30%	79.65%
June 30, 2004	15.97%	37.43%	48.87%	78.68%
September 30, 2004	16.62%	37.08%	50.10%	77.61%
December 31, 2004	17.15%	36.76%	50.70%	76.87%
March 31, 2005	16.57%	37.15%	50.15%	76.32%
June 30, 2005	16.41%	37.40%	49.69%	75.34%
September 30, 2005	16.18%	36.59%	48.83%	74.53%
December 31, 2005	16.22%	36.65%	47.66%	73.86%
March 31, 2006	15.32%	36.89%	46.40%	73.57%
June 30, 2006	15.26%	36.38%	46.67%	73.50%
September 30, 2006	15.50%	36.38%	45.82%	74.04%
December 31, 2006	15.14%	36.20%	45.57%	74.14%
March 31, 2007	14.32%	36.31%	44.71%	73.98%
June 30, 2007	14.38%	36.02%	45.03%	74.08%
September 30, 2007	14.32%	36.51%	45.19%	74.70%
December 31, 2007	14.79%	37.81%	45.98%	76.00%
March 31, 2008	14.37%	38.99%	46.85%	77.50%
June 30, 2008	14.61%	39.44%	48.84%	78.99%
September 30, 2008	15.31%	40.73%	50.03%	81.01%
December 31, 2008	17.04%	42.61%	51.56%	83.63%