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FDIC Quarterly Subscribe 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 three retired publications -- the FDIC Outlook, the FDIC Banking Review, and the FYI: An Update on Emerging Issues in Banking. Past issues of these publications are archived under their original publication names. 2010 Volume 4, Number 4 (PDF) 2.6MB (PDF Help)Quarterly Banking Profile – Third Quarter 2010 FDIC-insured institutions reported an aggregate profit of $14.5 billion in the third quarter of 2010, a $12.5 billion improvement from the $2 billion the industry earned in the third quarter of 2009. This is the fifth consecutive quarter that earnings have registered a year-over-year increase. Almost two-thirds of all institutions reported improvements in their quarterly net income from a year ago, but nearly one in five institutions had a net loss for the quarter. The average return on assets (ROA) rose to 0.44 percent, from 0.06 percent a year ago.
Feature Articles: Toward a Long-Term Strategy for Deposit Insurance Fund ManagementPrintable Version - PDF (PDF Help) The FDIC has developed a comprehensive, long-range management plan for the Deposit Insurance Fund. The plan is designed to reduce pro-cyclicality; keep assessment rates moderate, steady, and predictable throughout economic and credit cycles; and maintain a positive fund balance even during a period of large fund losses. This article presents the FDIC analysis that informed the medium- and long-term elements of the plan. Using multiple simulations, this analysis demonstrates that a moderate, long-term average industry assessment rate, combined with an appropriate dividend or assessment rate reduction policy, would have prevented the fund from becoming negative during both the crises of the 1980s and early 1990s and the current crisis. However, the fund’s reserve ratio would have had to have exceeded 2 percent before the crises began.
Highlights from the 2010 Summary of Deposits
Past Issues
FDIC Quarterly 2012 Volume 6, Number 1
Archived Issues
FDIC Outlook – 1997 thru 2006
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Last Updated 04/15/2011 | Questions, Suggestions & Requests |