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    Q1 1984    
 
 
    Q4 2019
Name Q4 2019 Q3 2019 Q4 2018 Units
Number of Banks
4,492 4,562 4,689 Number
Commercial Banks with average assets under $100M
1,052 1,084 1,165 Number
Commercial Banks with average assets between $100M and $300M
1,656 1,676 1,750 Number
Commercial Banks with average assets under $300M
2,708 2,760 2,915 Number
Commercial Banks with average assets between $300M and $1B
1,154 1,175 1,161 Number
Commercial Banks with average assets under $1B
3,862 3,935 4,076 Number
Commercial Banks with average assets between $1B and $15B
540 537 526 Number
Commercial Banks with average assets less than $15B
4,402 4,472 4,602 Number
Commercial Banks with average assets greater than $15B
90 90 87 Number
Ratios
Return on Average Assets for Banks
1.30 1.33 1.35 %
Return on Average Assets for Banks with average assets under $100M
0.96 0.97 0.98 %
Return on Average Assets for Banks with average assets between $100M and $300M
1.19 1.21 1.17 %
Return on Average Assets for Banks with average assets under $300M
1.15 1.17 1.14 %
Return on Average Assets for Banks with average assets between $300M and $1B
1.33 1.34 1.29 %
Return on Average Assets for Banks with average assets under $1B
1.26 1.28 1.23 %
Return on Average Assets for Banks with average assets between $1B and $15B
1.37 1.38 1.35 %
Return on Average Assets for Banks with average assets less than $15B
1.33 1.34 1.31 %
Return on Average Assets for Banks with average assets greater than $15B
1.29 1.32 1.36 %
Return on Average Equity for Banks
11.39 11.67 11.96 %
Return on Average Equity for Banks with average assets under $100M
7.14 7.27 7.79 %
Return on Average Equity for Banks with average assets between $100M and $300M
10.02 10.31 10.45 %
Return on Average Equity for Banks with average assets under $300M
9.47 9.72 9.93 %
Return on Average Equity for Banks with average assets between $300M and $1B
11.61 11.76 11.72 %
Return on Average Equity for Banks with average assets under $1B
10.79 10.98 11.01 %
Return on Average Equity for Banks with average assets between $1B and $15B
11.20 11.27 11.29 %
Return on Average Equity for Banks with average assets less than $15B
11.05 11.16 11.19 %
Return on Average Equity for Banks with average assets greater than $15B
11.46 11.77 12.12 %
Net Interest Margin for Banks
3.31 3.34 3.35 %
Net Interest Margin for Banks with average assets under $100M
3.97 3.93 3.94 %
Net Interest Margin for Banks with average assets between $100M and $300M
3.98 4.00 3.99 %
Net Interest Margin for Banks with average assets under $300M
3.98 3.99 3.98 %
Net Interest Margin for Banks with average assets between $300M and $1B
3.94 3.96 3.98 %
Net Interest Margin for Banks with average assets under $1B
3.95 3.97 3.98 %
Net Interest Margin for Banks with average assets between $1B and $15B
3.92 3.90 3.92 %
Net Interest Margin for Banks with average assets less than $15B
3.93 3.93 3.94 %
Net Interest Margin for Banks with average assets greater than $15B
3.19 3.22 3.23 %
Loan Loss Reserve to Total Loans for Banks
1.15 1.18 1.20 %
Loan Loss Reserve to Total Loans for Banks with average assets under $100M
1.41 1.42 1.42 %
Loan Loss Reserve to Total Loans for Banks with average assets between $100M and $300M
1.32 1.33 1.32 %
Loan Loss Reserve to Total Loans for Banks with average assets under $300M
1.34 1.34 1.34 %
Loan Loss Reserve to Total Loans for Banks with average assets between $300M and $1B
1.26 1.27 1.27 %
Loan Loss Reserve to Total Loans for Banks with average assets under $1B
1.29 1.30 1.29 %
Loan Loss Reserve to Total Loans for Banks with average assets between $1B and $15B
1.00 1.01 1.04 %
Loan Loss Reserve to Total Loans for Banks with average assets less than $15B
1.10 1.11 1.13 %
Loan Loss Reserve to Total Loans for Banks with average assets greater than $15B
1.17 1.20 1.22 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans
0.85 0.87 0.95 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets under $100M
1.16 1.23 1.18 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets between $100M and $300M
0.92 0.95 0.90 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets under $300M
0.95 1.00 0.95 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets between $300M and $1B
0.82 0.80 0.76 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets under $1B
0.86 0.87 0.83 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets between $1B and $15B
0.68 0.71 0.77 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets less than $15B
0.74 0.77 0.79 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets greater than $15B
0.88 0.90 0.99 %
Net Loan Losses to Average Total Loans
0.49 0.47 0.45 %
Net Loan Losses to Average Total Loans for Banks with average assets under $100M
0.18 0.16 0.19 %
Net Loan Losses to Average Total Loans for Banks with average assets between $100M and $300M
0.13 0.10 0.12 %
Net Loan Losses to Average Total Loans for Banks with average assets under $300M
0.14 0.11 0.13 %
Net Loan Losses to Average Total Loans for Banks with average assets between $300M and $1B
0.16 0.12 0.15 %
Net Loan Losses to Average Total Loans for Banks with average assets under $1B
0.15 0.12 0.14 %
Net Loan Losses to Average Total Loans for Banks with average assets between $1B and $15B
0.20 0.19 0.19 %
Net Loan Losses to Average Total Loans for Banks with average assets less than $15B
0.18 0.17 0.17 %
Net Loan Losses to Average Total Loans for Banks with average assets greater than $15B
0.56 0.55 0.53 %
Report of Condition
Assets
Interest-Bearing Balances
1,375,548,114 1,334,378,217 1,391,877,327 Thous. of $
Quarterly Average of Total Assets
17,057,414,488 16,946,621,949 16,422,584,476 Thous. of $
Quarterly Weighted Average of Total Assets
16,560,454,182 16,646,719,635 16,152,630,083 Thous. of $
Total Trading Assets
658,673,109 705,716,400 571,178,875 Thous. of $
Total Assets
17,340,664,776 17,166,184,466 16,591,465,368 Thous. of $
Total Held-to-Maturity Securities
851,485,746 915,413,642 918,026,299 Thous. of $
Total Amortized Cost of Available-For-Sale Securities
2,695,073,483 2,583,525,354 2,405,618,793 Thous. of $
Total Loan and Lease Finance Receivables, Nonaccrual
51,053,152 52,869,220 53,053,841 Thous. of $
Total Loan and Lease Finance Receivables, Past Due 90 Days or More and Still Accruing
32,189,997 31,147,408 35,496,372 Thous. of $
Total Loans and Leases, Net of Unearned Income
9,753,946,353 9,612,115,465 9,358,779,496 Thous. of $
Quarterly Weighted Average of Total Loans and Leases, Net of Unearned Income
9,271,796,431 9,350,921,580 9,031,696,176 Thous. of $
Total Nonperforming Loans
83,243,149 84,016,628 88,550,213 Thous. of $
Loan Loss Reserves
112,428,793 113,472,902 112,200,413 Thous. of $
LESS: Allowance for Loan and Lease Losses
112,400,965 113,435,894 112,166,148 Thous. of $
LESS: Allocated Transfer Risk Reserves
27,828 37,008 34,265 Thous. of $
Equity Capital
Total Equity Capital
1,966,252,793 1,948,470,621 1,870,844,167 Thous. of $
Quarterly Weighted Average of Total Equity Capital
1,882,433,721 1,893,094,646 1,827,520,366 Thous. of $
Report of Income
Net Income
214,475,293 165,747,072 218,640,928 Thous. of $
Net Interest Income
497,830,773 378,330,851 491,775,904 Thous. of $
Income (Loss) before Income Taxes and Extraordinary Items and Other Adjustments
270,051,343 208,838,087 274,470,678 Thous. of $
Charge-offs on Allowance for Loan and Lease Losses
59,894,321 44,566,060 55,761,947 Thous. of $
Total Net Charge-offs
45,106,813 33,221,274 40,965,068 Thous. of $
Recoveries on Allowance for Loan and Lease Losses
14,787,508 11,344,786 14,796,879 Thous. of $
   

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