|
Number of Banks
|
4,375
Number
|
4,404
Number
|
4,562
Number
|
Number
|
|
Commercial Banks with average assets under $100M
|
921
Number
|
958
Number
|
1,084
Number
|
Number
|
|
Commercial Banks with average assets between $100M and $300M
|
1,534
Number
|
1,558
Number
|
1,676
Number
|
Number
|
|
Commercial Banks with average assets under $300M
|
2,455
Number
|
2,516
Number
|
2,760
Number
|
Number
|
|
Commercial Banks with average assets between $300M and $1B
|
1,210
Number
|
1,204
Number
|
1,175
Number
|
Number
|
|
Commercial Banks with average assets under $1B
|
3,665
Number
|
3,720
Number
|
3,935
Number
|
Number
|
|
Commercial Banks with average assets between $1B and $15B
|
611
Number
|
587
Number
|
537
Number
|
Number
|
|
Commercial Banks with average assets less than $15B
|
4,276
Number
|
4,307
Number
|
4,472
Number
|
Number
|
|
Commercial Banks with average assets greater than $15B
|
99
Number
|
97
Number
|
90
Number
|
Number
|
|
Ratios
|
|
|
|
|
|
Return on Average Assets for Banks
|
0.56
Percent
|
0.34
Percent
|
1.33
Percent
|
%
|
|
Return on Average Assets for Banks with average assets under $100M
|
0.89
Percent
|
0.95
Percent
|
0.97
Percent
|
%
|
|
Return on Average Assets for Banks with average assets between $100M and $300M
|
1.13
Percent
|
1.16
Percent
|
1.21
Percent
|
%
|
|
Return on Average Assets for Banks with average assets under $300M
|
1.09
Percent
|
1.12
Percent
|
1.17
Percent
|
%
|
|
Return on Average Assets for Banks with average assets between $300M and $1B
|
1.27
Percent
|
1.22
Percent
|
1.34
Percent
|
%
|
|
Return on Average Assets for Banks with average assets under $1B
|
1.21
Percent
|
1.19
Percent
|
1.28
Percent
|
%
|
|
Return on Average Assets for Banks with average assets between $1B and $15B
|
0.94
Percent
|
0.79
Percent
|
1.38
Percent
|
%
|
|
Return on Average Assets for Banks with average assets less than $15B
|
1.03
Percent
|
0.93
Percent
|
1.34
Percent
|
%
|
|
Return on Average Assets for Banks with average assets greater than $15B
|
0.48
Percent
|
0.24
Percent
|
1.32
Percent
|
%
|
|
Return on Average Equity for Banks
|
5.31
Percent
|
3.21
Percent
|
11.67
Percent
|
%
|
|
Return on Average Equity for Banks with average assets under $100M
|
6.78
Percent
|
7.17
Percent
|
7.27
Percent
|
%
|
|
Return on Average Equity for Banks with average assets between $100M and $300M
|
9.57
Percent
|
9.88
Percent
|
10.31
Percent
|
%
|
|
Return on Average Equity for Banks with average assets under $300M
|
9.07
Percent
|
9.38
Percent
|
9.72
Percent
|
%
|
|
Return on Average Equity for Banks with average assets between $300M and $1B
|
11.60
Percent
|
11.03
Percent
|
11.76
Percent
|
%
|
|
Return on Average Equity for Banks with average assets under $1B
|
10.67
Percent
|
10.42
Percent
|
10.97
Percent
|
%
|
|
Return on Average Equity for Banks with average assets between $1B and $15B
|
8.34
Percent
|
6.80
Percent
|
11.27
Percent
|
%
|
|
Return on Average Equity for Banks with average assets less than $15B
|
9.15
Percent
|
8.05
Percent
|
11.16
Percent
|
%
|
|
Return on Average Equity for Banks with average assets greater than $15B
|
4.57
Percent
|
2.25
Percent
|
11.77
Percent
|
%
|
|
Net Interest Margin for Banks
|
2.80
Percent
|
2.89
Percent
|
3.34
Percent
|
%
|
|
Net Interest Margin for Banks with average assets under $100M
|
3.64
Percent
|
3.76
Percent
|
3.93
Percent
|
%
|
|
Net Interest Margin for Banks with average assets between $100M and $300M
|
3.74
Percent
|
3.87
Percent
|
4.00
Percent
|
%
|
|
Net Interest Margin for Banks with average assets under $300M
|
3.73
Percent
|
3.85
Percent
|
3.98
Percent
|
%
|
|
Net Interest Margin for Banks with average assets between $300M and $1B
|
3.69
Percent
|
3.80
Percent
|
3.96
Percent
|
%
|
|
Net Interest Margin for Banks with average assets under $1B
|
3.70
Percent
|
3.82
Percent
|
3.97
Percent
|
%
|
|
Net Interest Margin for Banks with average assets between $1B and $15B
|
3.53
Percent
|
3.63
Percent
|
3.90
Percent
|
%
|
|
Net Interest Margin for Banks with average assets less than $15B
|
3.59
Percent
|
3.70
Percent
|
3.92
Percent
|
%
|
|
Net Interest Margin for Banks with average assets greater than $15B
|
2.65
Percent
|
2.75
Percent
|
3.22
Percent
|
%
|
|
Loan Loss Reserve to Total Loans for Banks
|
2.22
Percent
|
2.19
Percent
|
1.18
Percent
|
%
|
|
Loan Loss Reserve to Total Loans for Banks with average assets under $100M
|
1.42
Percent
|
1.41
Percent
|
1.42
Percent
|
%
|
|
Loan Loss Reserve to Total Loans for Banks with average assets between $100M and $300M
|
1.33
Percent
|
1.30
Percent
|
1.33
Percent
|
%
|
|
Loan Loss Reserve to Total Loans for Banks with average assets under $300M
|
1.34
Percent
|
1.31
Percent
|
1.34
Percent
|
%
|
|
Loan Loss Reserve to Total Loans for Banks with average assets between $300M and $1B
|
1.32
Percent
|
1.28
Percent
|
1.27
Percent
|
%
|
|
Loan Loss Reserve to Total Loans for Banks with average assets under $1B
|
1.33
Percent
|
1.29
Percent
|
1.30
Percent
|
%
|
|
Loan Loss Reserve to Total Loans for Banks with average assets between $1B and $15B
|
1.39
Percent
|
1.35
Percent
|
1.01
Percent
|
%
|
|
Loan Loss Reserve to Total Loans for Banks with average assets less than $15B
|
1.37
Percent
|
1.33
Percent
|
1.11
Percent
|
%
|
|
Loan Loss Reserve to Total Loans for Banks with average assets greater than $15B
|
2.44
Percent
|
2.41
Percent
|
1.20
Percent
|
%
|
|
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans
|
1.06
Percent
|
1.00
Percent
|
0.87
Percent
|
%
|
|
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets under $100M
|
1.23
Percent
|
1.30
Percent
|
1.23
Percent
|
%
|
|
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets between $100M and $300M
|
0.88
Percent
|
0.94
Percent
|
0.95
Percent
|
%
|
|
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets under $300M
|
0.93
Percent
|
1.00
Percent
|
1.00
Percent
|
%
|
|
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets between $300M and $1B
|
0.79
Percent
|
0.79
Percent
|
0.80
Percent
|
%
|
|
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets under $1B
|
0.84
Percent
|
0.86
Percent
|
0.87
Percent
|
%
|
|
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets between $1B and $15B
|
0.78
Percent
|
0.76
Percent
|
0.71
Percent
|
%
|
|
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets less than $15B
|
0.80
Percent
|
0.79
Percent
|
0.77
Percent
|
%
|
|
Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for Banks with average assets greater than $15B
|
1.13
Percent
|
1.06
Percent
|
0.90
Percent
|
%
|
|
Net Loan Losses to Average Total Loans
|
0.51
Percent
|
0.54
Percent
|
0.47
Percent
|
%
|
|
Net Loan Losses to Average Total Loans for Banks with average assets under $100M
|
0.14
Percent
|
0.16
Percent
|
0.16
Percent
|
%
|
|
Net Loan Losses to Average Total Loans for Banks with average assets between $100M and $300M
|
0.10
Percent
|
0.09
Percent
|
0.10
Percent
|
%
|
|
Net Loan Losses to Average Total Loans for Banks with average assets under $300M
|
0.11
Percent
|
0.10
Percent
|
0.11
Percent
|
%
|
|
Net Loan Losses to Average Total Loans for Banks with average assets between $300M and $1B
|
0.13
Percent
|
0.14
Percent
|
0.13
Percent
|
%
|
|
Net Loan Losses to Average Total Loans for Banks with average assets under $1B
|
0.12
Percent
|
0.13
Percent
|
0.12
Percent
|
%
|
|
Net Loan Losses to Average Total Loans for Banks with average assets between $1B and $15B
|
0.20
Percent
|
0.22
Percent
|
0.19
Percent
|
%
|
|
Net Loan Losses to Average Total Loans for Banks with average assets less than $15B
|
0.18
Percent
|
0.19
Percent
|
0.17
Percent
|
%
|
|
Net Loan Losses to Average Total Loans for Banks with average assets greater than $15B
|
0.59
Percent
|
0.62
Percent
|
0.55
Percent
|
%
|
|
Report of Condition
|
|
|
|
|
|
Assets
|
|
|
|
|
|
Interest-Bearing Balances
|
2,475,975,491
Thousands of Dollars
|
2,524,178,505
Thousands of Dollars
|
1,334,444,502
Thousands of Dollars
|
Thous. of $
|
|
Quarterly Average of Total Assets
|
19,610,981,801
Thousands of Dollars
|
19,290,830,802
Thousands of Dollars
|
16,946,681,152
Thousands of Dollars
|
Thous. of $
|
|
Quarterly Weighted Average of Total Assets
|
18,789,966,894
Thousands of Dollars
|
18,432,087,194
Thousands of Dollars
|
16,646,749,626
Thousands of Dollars
|
Thous. of $
|
|
Total Trading Assets
|
757,868,165
Thousands of Dollars
|
758,366,206
Thousands of Dollars
|
705,716,400
Thousands of Dollars
|
Thous. of $
|
|
Total Assets
|
19,724,221,557
Thousands of Dollars
|
19,670,899,788
Thousands of Dollars
|
17,166,181,664
Thousands of Dollars
|
Thous. of $
|
|
Total Held-to-Maturity Securities
|
1,086,189,050
Thousands of Dollars
|
922,667,885
Thousands of Dollars
|
915,413,642
Thousands of Dollars
|
Thous. of $
|
|
Total Amortized Cost of Available-For-Sale Securities
|
3,079,543,874
Thousands of Dollars
|
2,993,436,743
Thousands of Dollars
|
2,583,517,512
Thousands of Dollars
|
Thous. of $
|
|
Total Loan and Lease Finance Receivables, Nonaccrual
|
75,783,725
Thousands of Dollars
|
69,904,731
Thousands of Dollars
|
52,868,980
Thousands of Dollars
|
Thous. of $
|
|
Total Loan and Lease Finance Receivables, Past Due 90 Days or More and Still Accruing
|
31,950,357
Thousands of Dollars
|
32,626,918
Thousands of Dollars
|
31,147,525
Thousands of Dollars
|
Thous. of $
|
|
Total Loans and Leases, Net of Unearned Income
|
10,128,652,822
Thousands of Dollars
|
10,217,573,876
Thousands of Dollars
|
9,612,112,895
Thousands of Dollars
|
Thous. of $
|
|
Quarterly Weighted Average of Total Loans and Leases, Net of Unearned Income
|
10,071,696,479
Thousands of Dollars
|
10,068,731,629
Thousands of Dollars
|
9,350,920,816
Thousands of Dollars
|
Thous. of $
|
|
Total Nonperforming Loans
|
107,734,082
Thousands of Dollars
|
102,531,649
Thousands of Dollars
|
84,016,505
Thousands of Dollars
|
Thous. of $
|
|
Loan Loss Reserves
|
224,848,749
Thousands of Dollars
|
223,860,237
Thousands of Dollars
|
113,473,661
Thousands of Dollars
|
Thous. of $
|
|
LESS: Allowance for Loan and Lease Losses
|
224,822,104
Thousands of Dollars
|
223,824,790
Thousands of Dollars
|
113,436,653
Thousands of Dollars
|
Thous. of $
|
|
LESS: Allocated Transfer Risk Reserves
|
26,645
Thousands of Dollars
|
35,447
Thousands of Dollars
|
37,008
Thousands of Dollars
|
Thous. of $
|
|
Equity Capital
|
|
|
|
|
|
Total Equity Capital
|
2,031,264,957
Thousands of Dollars
|
1,997,804,156
Thousands of Dollars
|
1,948,466,572
Thousands of Dollars
|
Thous. of $
|
|
Quarterly Weighted Average of Total Equity Capital
|
1,979,337,004
Thousands of Dollars
|
1,970,258,265
Thousands of Dollars
|
1,893,093,307
Thousands of Dollars
|
Thous. of $
|
|
Report of Income
|
|
|
|
|
|
Net Income
|
78,856,129
Thousands of Dollars
|
31,605,359
Thousands of Dollars
|
165,742,012
Thousands of Dollars
|
Thous. of $
|
|
Net Interest Income
|
362,592,129
Thousands of Dollars
|
245,685,079
Thousands of Dollars
|
378,299,829
Thousands of Dollars
|
Thous. of $
|
|
Income (Loss) before Income Taxes and Extraordinary Items and Other Adjustments
|
98,157,108
Thousands of Dollars
|
37,480,566
Thousands of Dollars
|
208,832,255
Thousands of Dollars
|
Thous. of $
|
|
Charge-offs on Allowance for Loan and Lease Losses
|
48,991,802
Thousands of Dollars
|
34,053,692
Thousands of Dollars
|
44,566,051
Thousands of Dollars
|
Thous. of $
|
|
Total Net Charge-offs
|
38,305,977
Thousands of Dollars
|
27,070,548
Thousands of Dollars
|
33,222,601
Thousands of Dollars
|
Thous. of $
|
|
Recoveries on Allowance for Loan and Lease Losses
|
10,685,825
Thousands of Dollars
|
6,983,144
Thousands of Dollars
|
11,343,450
Thousands of Dollars
|
Thous. of $
|