Analysis of Issues Confronting the Savings Association Insurance Fund
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Analysis of Issues Confronting the Savings Association Insurance Fund

Filetype[PDF-2.52 MB]


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Details:

  • Publisher's site:
    https://www.fdic.gov/ | FDIC.gov
  • Corporate Authors:
    Federal Insurance Deposit Corporation (FDIC)
  • Content Notes:
    Figure 1: No Premiums Went To SAIF Before 1992 (Pg 4)

    Figure 2: SAIF is Undercapitalized (Pg 5)

    Figure 3: Higher Failure Rates Prevent SAIF Capitalization, And Threaten SAIF' s Solvency (Pg 10)

    Figure 4: More Rapid Shrinkage Of SAIF Deposits Means An Earlier FICO Shortfall (Pg 11)

    Table 1: Total Assets of SAIF-Member Institutions (Pg 14)

    Figure 5: SAIF Domestic Deposits (Pg 15)

    Table 2: SAIF Assessment Base: Domestic Deposits ($ Millions) and Percentage Change from Prior Year-End (Pg 16)

    Figure 6: Quarterly Average Interest Rates 3-Month Treasury Bills (Pg 17)

    Figure 7: Household Ownership of Mutual Funds (Pg 18)

    Table 3: Changes in SAIF-Member Institutions' Net Interest Margins Fourth Quarter 1993 to Fourth Quarter 1994 (Pg 23)

    Table 4: Interest-Rate Assumptions: Percentage Change in Net Interest Margins (Pg 24)

    Table 5: Interest-Rate Scenarios: Incremental Failures Caused by the SAIF Differential (Pg 24)

    Table 6: Results of Interest-Rate Scenarios For Institutions Rated 3, 4 and 5 (Pg 26)

    Table 7: · Asset-Quality Assumptions: Loan-Loss Rates (Percent of Average Loans) (Pg 28)

    Table 8: Asset-Quality Scenarios: Incremental Failures Caused by the SAIF Differential (Pg 28)

    Table 9: Results of Asset-Quality Scenarios For Institutions Rated 3, 4 and 5 (Pg 29)

    Table 10: Combination Scenarios: Incremental Failures Caused by SAIF Differential (Pg 30)

    Table 11: Results of Combination Scenarios For Institutions Rated 3, 4 and 5 (Pg 31)

    Table 12: Sensitivity of SAIF Capitalization to Failure Rates and Deposit Growth Rates (Pg 35)

    Table 13: Ability to Fund FICO from the FICO-Eligible SAIF Assessment Base (Pg 37)

  • Pages in Document:
    41
  • Dataset Download URL:
  • Format:
    PDF
  • Release Date:
    03/15/1995
  • Agencies Involved:
    Federal Deposit Insurance Corporation (FDIC);Federal Savings and Loan Insurance Corporation (FSLIC);Federal Home Loan Bank Board (FHLBB);Resolution Trust Corporation (RTC);
  • Bank Involved:
    Great Western Financial Corporation
  • Law Involved:
    Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA);Federal Deposit Insurance Corporation Improvement Act of 1991;Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994;
  • Other Institutions Involved:
    Federal National Mortgage Association;Federal Home Loan Mortgage Corporation;
  • Source:
    FDIC Website
  • Main Document Checksum:
  • Download URL:
  • File Type:

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