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

Details

• Publisher's site:
  https://www.fdic.gov/|FDIC.gov
• Corporate Authors:
  Federal Deposit Insurance Corporation (FDIC)
• 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)
  
  
• Dataset Download URL:
  https://www.govinfo.gov/content/pkg/FR-2019-02-06/pdf/2018-28273.pdf
• Format:
  PDF
• 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:
  urn:sha-512:a24f3c68178bd47f85685efa0262dae1211b13c6723ef7518ab760a2b119e7a7c6840c3ff27fe7e3f897ee7dc17dae7a1579150fb5ca1de37b51180fb02de970
• Download URL:
  https://archive.fdic.gov/view/fdic/8992/fdic_8992_DS1.pdf
• File Type:
  [PDF - 840.50 KB ]