The FDIC Quarterly provides a comprehensive summary of the most current financial results for the banking industry, along with feature articles. These articles range from timely analysis of economic and banking trends at the national and regional level that may affect the risk exposure of FDIC-insured institutions to research on issues affecting the banking system and the development of regulatory policy. The FDIC Quarterly brings together data and analysis that were previously available through two retired publications -- the FDIC Outlook and the FDIC Banking Review. Past issues of both publications are archived under their original publication names.

Quarterly Banking Profile – First Quarter 2008

FDIC-insured commercial banks and savings institutions reported net income of $19.3 billion in the first quarter of 2008, a decline of $16.3 billion from the $35.6 billion that the industry earned in the first quarter of 2007. Insured institutions set aside $37.1 billion in loan-loss provisions during the quarter, as the asset quality of real estate portfolios continued to deteriorate. The average return on assets (ROA) was 0.59 percent, falling from 1.20 percent in the first quarter of 2007.

Insurance Fund Indicators
Insured deposits increased 3.3 percent in the first quarter, and the Deposit Insurance Fund reserve ratio fell to 1.19 percent. Two institutions failed during the quarter.

Past Issues

FDIC Quarterly 2008 Volume 2, Number 1
FDIC Quarterly 2007 Volume 1, Number 3
FDIC Quarterly 2007 Volume 1, Number 2
FDIC Quarterly 2007 Volume 1, Number 1

Archived Issues

FDIC Outlook – 1997 thru 2006
FDIC Banking Review – 1995 thru 2006