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Quarterly Banking Profile:Third Quarter 2019
The FDIC Quarterly
2019 FDIC QUARTERLY
Quarterly Banking Profile: Third Quarter 2019
Community Bank Performance
Insurance Fund Indicators
Featured Articles
Bank and Nonbank Lending Over the Past 70 Years
Leveraged Lending and Corporate Borrowing: IncreasedReliance on Capital Markets, With Important Bank Links
Trends in Mortgage Origination and Servicing: Nonbanksin the Post-Crisis Period
INSURED INSTITUTION PERFORMANCE
Net Income Declines7.3 Percent From ThirdQuarter 2018 to $57.4 Billion,Due to Nonrecurring Events atThree Large Institutions
Net Interest IncomeIncreases 1.2 PercentFrom a Year Ago
Chart 1
Chart 2
Loan-Loss ProvisionsIncrease but RemainRelatively Low
Noninterest IncomeIncreases 4.3 PercentFrom a Year Ago
Noninterest ExpenseIncreases 5.7 Percent FromThird Quarter 2018
Net Charge-Offs Increaseby $1.9 Billion From12 Months Ago
Chart 3
Chart 4
Noncurrent Loan RateRemains Steady at0.92 Percent
Loan-Loss Reserves IncreaseModestly From SecondQuarter 2019
Total Assets Increase1.2 Percent From thePrevious Quarter
Loan Balances IncreaseFrom the Previous Quarterand a Year Ago
Chart 5
Chart 6
Deposits Increase1.7 Percent FromSecond Quarter 2019
Equity Capital RemainsStable From SecondQuarter 2019
Four New Banks Are Addedin Third Quarter 2019
Chart 7
TABLE I-A. Selected Indicators, All FDIC-Insured Institutions*
TABLE II-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions
TABLE III-A. Third Quarter 2019, All FDIC-Insured Institutions
TABLE III-A. Third Quarter 2019, All FDIC-Insured Institutions
TABLE IV-A. First Three Quarters 2019, All FDIC-Insured Institutions
TABLE IV-A. First Three Quarters 2019, All FDIC-Insured Institutions
TABLE V-A. Loan Performance, All FDIC-Insured Institutions
TABLE V-A. Loan Performance, All FDIC-Insured Institutions
Table VI-A. Derivatives, All FDIC-Insured Call Report Filers
TABLE VII-A. Servicing, Securitization, and Asset Sales Activities (All FDIC-Insured Call Report Filers)*
COMMUNITY BANK PERFORMANCE
Community Bank EarningsIncrease 7.2 PercentYear Over Year
Net Operating RevenueIncreases at More Than70 Percent ofCommunity Banks
Chart 1
Chart 2
Net Interest MarginDeclines as FundingCosts Rise Faster ThanAsset Yields
Noninterest ExpenseIncreases, but EfficiencyRatio Falls toPost-Crisis Low
Nearly Three-Quarters ofCommunity Banks ReportAnnual Deposit Growth
Chart 3
Chart 4
Community Banks ReportQuarterly and AnnualLoan Growth
The Noncurrent Loan RateRemains Stable for MostLoan Categories
The Net Charge-Off RateRises but Remains Low
Community Bank CapitalRatios Post Quarterly andAnnual Increases
TABLE I-B. Selected Indicators, FDIC-Insured Community Banks
TABLE II-B. Aggregate Condition and Income Data, FDIC-Insured Community Banks
TABLE II-B. Aggregate Condition and Income Data, FDIC-Insured Community BanksPrior Periods Adjusted for Mergers
TABLE III-B. Aggregate Condition and Income Data by Geographic Region, FDIC-Insured Community Banks
Table IV-B. Third Quarter 2019, FDIC-Insured Community Banks
Table V-B. First Three Quarters 2019, FDIC-Insured Community Banks
Table VI-B. Loan Performance, FDIC-Insured Community Banks
Insurance Fund Indicators
Table I-C. Insurance Fund Balances and Selected Indicators
Table II-C. Problem Institutions and Failed Institutions
Table III-C. Estimated FDIC-Insured Deposits by Type of Institution
Table IV-C. Distribution of Institutions and Assessment Base by Assessment Rate Range
Notes to Users
Tables I-A through VIII-A.
Untitled
Tables I-A through VIII-A.
Tables I-B through VI-B.
Summary of FDIC Research Definition of CommunityBanking Organizations
Tables I-C through IV-C.
DATA SOURCES
COMPUTATION METHODOLOGY
ACCOUNTING CHANGES
DEFINITIONS (in alphabetical order)
BANK AND NONBANK LENDING OVER THE PAST 70 YEARS
Introduction
Types of Lenders andLoan Holders
Historic Perspective of theLending Market
Lending Trends by Sector
Bank Share of Loans by Type of Loan
I. 1–4 Family Mortgages
Chart 2
II. Corporate Debt and Leveraged Lending
Chart 3
III. Other Lending Sectors
Chart 4
Chart 5
Chart 6
IV. Lending to Nondepository Financial Institutions
Chart 7
Conclusion
LEVERAGED LENDING AND CORPORATE BORROWING:Increased Reliance on Capital Markets, With Important Bank Links
Introduction
Growth and Compositionof NonfinancialCorporate Debt
Chart 1
Chart 2
Growth in Leveraged LoansHas Been Driven in LargePart by Nonbank Investors,as Riskiness of Loans HasIncreased
Chart 3
Chart 4
Chart 5
Banks Still Face Exposure toLeveraged Loans
Chart 6
Direct Bank Exposure toIncreasing Risk inCorporate BondsIs Limited
Chart 7
Chart 8
Macroeconomic Effects ofCorporate Debt DistressCould Affect Other Types ofBank Loans
High Corporate Profitsand Low Interest RatesShould Aid CorporateDebt Servicing
Chart 9
Conclusion
TRENDS IN MORTGAGE ORIGINATION AND SERVICING:Nonbanks in the Post-Crisis Period
Introduction
Trends in the Volume of andCompetition for 1–4 FamilyHome Mortgage Loans
Chart 1
Chart 2
Mortgage Origination andServicing Trends in Banksand Nonbanks During thePre- and Post-Crisis Period
Chart 3
The Shift in MortgageOrigination and Servicingto Nonbanks
Chart 4
Characteristics of thePost-Crisis Generation ofNonbank Mortgage Lendersand Servicers
Chart 5
Chart 6
Chart 7
Chart 8
Risks Posed by Post-CrisisGeneration of NonbankOriginators and Servicers
Chart 9
Chart 10
Implications of the Post-Crisis Migration for theBanking Industry and theFinancial System
Chart 11
Conclusion
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