Unsafe and Unsound Banking Practices: Brokered Deposits and Interest Rate Restrictions
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Unsafe and Unsound Banking Practices: Brokered Deposits and Interest Rate Restrictions

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Details:

  • Publisher's site:
  • Description:
    This Federal Register contains 109 comments and 10 staff disclosures. The comments can be found in the Supporting Files section.
  • Content Notes:
    Table 1: Brokered Deposits Held by Insured Depository Institutions as of September 30, 2018 (Pg 2368)

    Chart 1: (Pg 2376)

    Chart 2: Chart 1 "Core" Deposits as a Percentage of Total Assets, 1st Qtr. 2000-3rd Qtr. 2018 (Pg 2377)

    Chart 3: Chart 2 Estimated Insured Deposits as a Share of "Core" Deposits, 1st Qtr. 2000-3rd Qtr. 2018 (Pg 2378)

    Table 2: Brokered Deposits Held by Insured Depository Banks as of September 30, 2018 (Pg 2379)

    Chart 4: Chart 3 Brokered Deposits as a Share of Domestic Deposits, 1st Qtr. 2000-3rd Qtr. 2018 (Pg 2379)

    Chart 5: Insured Brokered Deposit Share of All Brokered Deposits, 1st Qtr. 2000-3rd Qtr. 2018 (Pg 2380)

    Chart 6: Brokered Deposits as a Share of Domestic Deposits by PCA Capitalization Category, 1st Qtr. 2000-3rd Qtr. 2018 (Pg 2381)

    Chart 7: Chart 6 Brokered Deposits at 530 Failed Institutions, 2007-2017 (Pg 2381)

    Chart 8: Chart 7 Reciprocal Brokered Deposits as a Share of Total Brokered Deposits, 2nd Qtr. 2009-3rd Qtr. 2018 (Pg 2382)

    Chart 9: Chart 8 Listing Service Deposits as a Share of Total Domestic Deposits, 1st Qtr. 2011-3rd Qtr. 2018 (Pg 2383)

    Chart 10: Chart 9 Listing Service Deposits as a Share of Domestic Deposits by PCA Capitalization, 1st Qtr. 2011-3rd Qtr. 2018 (Pg 2383)

    Table 3: Table 1-Core Deposits and Bank Failure Probabilities (Pg 2385)

    Table 4: Table 2-Brokered Deposits and Failure Probability over a Three-Year Horizon (Pg 2386-2387)

    Table 5: Table 3-Bank Failure Loss Rate Models (Pg 2388-2389)

    Table 6: Table 4-Distribution of Different Brokered Deposits Ratios by Call Report (Pg 2390)

    Table 7: Table 5-Brokered and Reciprocal Deposits Usage in Failed Banks (Pg 2390-2391)

    Chart 11: Distribution of the Ratio of Reciprocal Brokered Deposits to Total Assets in Failed Banks in the Quarters prior to Bank Failure (Pg 2391)

    Chart 12: Distribution of the Ratio of Non-Reciprocal Brokered Deposits to Total Assets in Failed Banks in the Quarters prior to Failure (Pg 2392)

    Table 8: Table 6-Three Year Failure Prediction Models for Reciprocal Deposits (Pg 2393)

    Table 9: Table 7-Loss Rate Models Including Reciprocal Brokered Deposits (Pg 2394)

    Chart 13: Percentage of Banks with Positive Reciprocal Deposits by CAMELS Rating, December 2017 (Pg 2395)

    Table 10: Table 8-Distribution of Listing Deposits as a Ratio of Assets and Domestic Deposits by Call Report Date (Pg 2396)

    Table 11: Table 9-Listing Deposits Usage in Failed Banks by Quarter Before Failure (Pg 2396)

    Chart 14: Distribution of Listing Services Deposits to Total Assets Ratio in the Quarters Prior to Failure (Pg 2397)

    Chart 15: Distribution of Listing Services Deposits to Total Assets Ratio in the Quarters Prior to Failure (Pg 2398)

    Table 12: Table 10-Three Year Failure Prediction Models Including Listing Services Deposits (Pg 2399)

    Table 13: Table 11-Loss Rate Models Including Listing Deposits (Pg 2399-2400)

  • Format:
  • Release Date:
    02/06/2019
  • Agencies Involved:
    Federal Deposit Insurance Corporation (FDIC)
  • Law Involved:
    Federal Deposit Insurance Act
  • Comment Period End Date:
    05/07/2019
  • Source:
    FDIC Website/GovInfo
  • Federal Register Citation Number:
    84 FR 2366
  • CFR Number:
    12 CFR Part 337
  • RIN Indentifier:
    RIN 3064–AE94
  • Main Document Checksum:
  • File Type:

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