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    Q1 1984    
 
 
    Q4 2018
Name Q4 2018 Q3 2018 Q4 2017 Units
Number of Banks
4,687 4,746 4,889 Number
Commercial Banks with average assets under $100M
1,165 1,190 1,269 Number
Commercial Banks with average assets between $100M and $300M
1,748 1,776 1,849 Number
Commercial Banks with average assets under $300M
2,913 2,966 3,118 Number
Commercial Banks with average assets between $300M and $1B
1,161 1,169 1,184 Number
Commercial Banks with average assets under $1B
4,074 4,135 4,302 Number
Commercial Banks with average assets between $1B and $15B
526 525 506 Number
Commercial Banks with average assets less than $15B
4,600 4,660 4,808 Number
Commercial Banks with average assets greater than $15B
87 86 81 Number
Ratios
Return on Average Assets for Banks
1.35 1.36 0.94 %
Return on Average Assets for Banks with average assets under $100M
0.98 1.02 0.85 %
Return on Average Assets for Banks with average assets between $100M and $300M
1.18 1.24 1.04 %
Return on Average Assets for Banks with average assets under $300M
1.14 1.20 1.00 %
Return on Average Assets for Banks with average assets between $300M and $1B
1.29 1.25 1.07 %
Return on Average Assets for Banks with average assets under $1B
1.23 1.23 1.04 %
Return on Average Assets for Banks with average assets between $1B and $15B
1.35 1.36 1.03 %
Return on Average Assets for Banks with average assets less than $15B
1.31 1.31 1.03 %
Return on Average Assets for Banks with average assets greater than $15B
1.36 1.37 0.93 %
Return on Average Equity for Banks
11.96 12.05 8.37 %
Return on Average Equity for Banks with average assets under $100M
7.83 8.19 6.89 %
Return on Average Equity for Banks with average assets between $100M and $300M
10.49 11.05 9.20 %
Return on Average Equity for Banks with average assets under $300M
9.97 10.49 8.74 %
Return on Average Equity for Banks with average assets between $300M and $1B
11.71 11.45 9.80 %
Return on Average Equity for Banks with average assets under $1B
11.02 11.06 9.37 %
Return on Average Equity for Banks with average assets between $1B and $15B
11.28 11.36 8.74 %
Return on Average Equity for Banks with average assets less than $15B
11.19 11.26 8.98 %
Return on Average Equity for Banks with average assets greater than $15B
12.12 12.22 8.25 %
Net Interest Margin for Banks
3.35 3.33 3.17 %
Net Interest Margin for Banks with average assets under $100M
3.94 3.91 3.84 %
Net Interest Margin for Banks with average assets between $100M and $300M
3.99 3.97 3.90 %
Net Interest Margin for Banks with average assets under $300M
3.98 3.96 3.89 %
Net Interest Margin for Banks with average assets between $300M and $1B
3.98 3.94 3.85 %
Net Interest Margin for Banks with average assets under $1B
3.98 3.95 3.87 %
Net Interest Margin for Banks with average assets between $1B and $15B
3.92 3.91 3.81 %
Net Interest Margin for Banks with average assets less than $15B
3.94 3.93 3.83 %
Net Interest Margin for Banks with average assets greater than $15B
3.23 3.20 3.03 %
Loan Loss Reserve to Total Loans for Banks
1.20 1.22 1.24 %
Loan Loss Reserve to Total Loans for Banks with average assets under $100M
1.41 1.43 1.42 %
Loan Loss Reserve to Total Loans for Banks with average assets between $100M and $300M
1.32 1.34 1.33 %
Loan Loss Reserve to Total Loans for Banks with average assets under $300M
1.34 1.35 1.35 %
Loan Loss Reserve to Total Loans for Banks with average assets between $300M and $1B
1.27 1.27 1.27 %
Loan Loss Reserve to Total Loans for Banks with average assets under $1B
1.29 1.30 1.30 %
Loan Loss Reserve to Total Loans for Banks with average assets between $1B and $15B
1.04 1.06 1.10 %
Loan Loss Reserve to Total Loans for Banks with average assets less than $15B
1.13 1.15 1.17 %
Loan Loss Reserve to Total Loans for Banks with average assets greater than $15B
1.22 1.23 1.26 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans
0.95 0.98 1.17 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets under $100M
1.16 1.21 1.16 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets between $100M and $300M
0.89 0.95 0.94 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets under $300M
0.94 0.99 0.98 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets between $300M and $1B
0.76 0.80 0.82 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets under $1B
0.83 0.87 0.88 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets between $1B and $15B
0.77 0.79 0.83 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets less than $15B
0.79 0.82 0.85 %
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets greater than $15B
0.99 1.02 1.26 %
Net Loan Losses to Average Total Loans
0.45 0.45 0.46 %
Net Loan Losses to Average Total Loans for Banks with average assets under $100M
0.19 0.17 0.22 %
Net Loan Losses to Average Total Loans for Banks with average assets between $100M and $300M
0.12 0.09 0.16 %
Net Loan Losses to Average Total Loans for Banks with average assets under $300M
0.13 0.10 0.17 %
Net Loan Losses to Average Total Loans for Banks with average assets between $300M and $1B
0.15 0.13 0.15 %
Net Loan Losses to Average Total Loans for Banks with average assets under $1B
0.14 0.12 0.16 %
Net Loan Losses to Average Total Loans for Banks with average assets between $1B and $15B
0.19 0.18 0.23 %
Net Loan Losses to Average Total Loans for Banks with average assets less than $15B
0.17 0.16 0.20 %
Net Loan Losses to Average Total Loans for Banks with average assets greater than $15B
0.53 0.52 0.53 %
Report of Condition
Assets
Interest-Bearing Balances
1,391,506,311 1,552,527,918 1,596,416,773 Thous. of $
Quarterly Average of Total Assets
16,421,666,864 16,213,158,471 15,894,819,333 Thous. of $
Quarterly Weighted Average of Total Assets
16,151,606,525 16,084,077,517 15,615,041,159 Thous. of $
Total Trading Assets
571,331,685 596,424,356 568,538,209 Thous. of $
Total Assets
16,591,224,858 16,350,523,149 16,035,845,919 Thous. of $
Total Held-to-Maturity Securities
918,053,879 894,569,982 833,706,906 Thous. of $
Total Amortized Cost of Available-For-Sale Securities
2,405,483,027 2,372,879,907 2,428,081,905 Thous. of $
Total Loan and Lease Finance Receivables, Nonaccrual
53,017,635 54,441,236 60,421,314 Thous. of $
Total Loan and Lease Finance Receivables, Past Due 90 Days or More and Still Accruing
35,507,710 35,273,168 43,555,444 Thous. of $
Total Loans and Leases, Net of Unearned Income
9,358,927,339 9,155,661,404 8,867,425,998 Thous. of $
Quarterly Weighted Average of Total Loans and Leases, Net of Unearned Income
9,031,750,209 8,975,098,971 8,578,070,557 Thous. of $
Total Nonperforming Loans
88,525,345 89,714,404 103,976,758 Thous. of $
Loan Loss Reserves
112,191,501 111,293,045 110,059,679 Thous. of $
LESS: Allowance for Loan and Lease Losses
112,158,149 111,250,996 110,040,063 Thous. of $
LESS: Allocated Transfer Risk Reserves
33,352 42,049 19,616 Thous. of $
Equity Capital
Total Equity Capital
1,870,751,439 1,848,093,386 1,802,844,787 Thous. of $
Quarterly Weighted Average of Total Equity Capital
1,827,427,702 1,819,965,480 1,762,090,483 Thous. of $
Report of Income
Net Income
218,612,845 164,569,261 147,525,209 Thous. of $
Net Interest Income
491,692,535 365,153,055 448,494,292 Thous. of $
Income (Loss) before Income Taxes and Extraordinary Items and Other Adjustments
274,494,816 208,745,618 235,449,762 Thous. of $
Charge-offs on Allowance for Loan and Lease Losses
55,742,838 41,162,317 52,515,093 Thous. of $
Total Net Charge-offs
40,940,596 30,058,789 39,584,220 Thous. of $
Recoveries on Allowance for Loan and Lease Losses
14,802,242 11,103,528 12,930,873 Thous. of $
   

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