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FDIC - Quarterly Banking Profile
Table VII-A Servicing, Securitization and Asset Sales Activities, All FDIC-Insured Commercial Banks and State Chartered Savings Banks
(dollar figures in millions) 4th Quarter
2007 		3rd Quarter
2007 		2nd Quarter
2007 		1st Quarter
2007 		4th Quarter
2006 		% Change
06:4-07:4 		Asset Size Distribution 4th Quarter 2007
Less
Than $100
Million		 $100 Million
To
$1 Billion		 $1 Billion
To
$10 Billion		 Greater
Than $10
Billion
Assets Sold and Securitized with Servicing Retained or with Recourse or Other Seller-Provided Credit Enhancements
Number of institutions reporting securitization activities 124 122 126 126 123 0.8 14 49 20 41
Outstanding Principal Balance by Asset Type
1-4 family residential loans $1,129,377 $1,111,554 $1,119,076 $1,088,151 $739,041 52.8 $44 $326 $9,074 $1,119,933
Home equity loans 9,353 9,894 10,640 9,339 8,905 5.0 0 0 232 9,120
Credit card receivables 389,502 379,662 372,481 367,796 362,467 7.5 0 2,939 11,713 374,850
Auto loans 9,019 10,433 12,547 14,132 16,263 -44.5 0 0 291 8,728
Other consumer loans 28,542 29,386 27,396 27,737 28,673 -0.5 0 7 0 28,536
Commercial and industrial loans 14,148 15,862 13,193 12,039 10,543 34.2 0 39 5,322 8,787
All other loans, leases, and other assets* 193,875 184,941 162,434 150,404 144,582 34.1 1 79 681 193,115
Total securitized and sold 1,773,817 1,741,732 1,717,767 1,669,598 1,310,475 35.4 45 3,389 27,313 1,743,069
Maximum Credit Exposure by Asset Type
1-4 family residential loans 6,891 6,856 6,502 6,047 6,580 4.7 17 4 35 6,836
Home equity loans 2,000 2,336 2,402 2,354 2,332 -14.2 0 0 10 1,990
Credit card receivables 19,196 19,120 18,711 17,685 19,182 0.1 0 167 601 18,428
Auto loans 380 426 555 628 724 -47.5 0 0 12 368
Other consumer loans 1,379 2,114 1,768 1,861 1,882 -26.7 0 0 0 1,379
Commercial and industrial loans 282 399 314 311 348 -19.0 0 0 71 211
All other loans, leases, and other assets 3,733 4,578 1,053 1,052 964 287.2 1 26 42 3,663
Total credit exposure 33,860 35,829 31,304 29,937 32,013 5.8 18 197 771 32,875
Total unused liquidity commitments provided to institution's own securitizations 4,686 5,095 5,667 6,116 6,503 -27.9 0 0 0 4,686
Securitized Loans, Leases, and Other Assets 30-89 Days Past Due (%)
1-4 family residential loans 2.7 2.7 2.6 2.1 3.0 Blank 2.7 0.0 10.3 2.6
Home equity loans 0.8 0.7 0.6 0.7 0.7 Blank 0.0 0.0 2.4 0.8
Credit card receivables 2.2 2.1 1.9 1.9 2.0 Blank 0.0 1.2 1.6 2.2
Auto loans 2.5 2.0 1.7 1.5 1.7 Blank 0.0 0.0 1.1 2.5
Other consumer loans 3.1 2.8 2.8 2.4 3.0 Blank 0.0 0.0 0.0 3.1
Commercial and industrial loans 1.0 1.0 0.5 0.7 0.7 Blank 0.0 0.0 2.3 0.2
All other loans, leases, and other assets 0.1 0.1 0.1 0.1 0.2 Blank 0.0 0.0 0.2 0.1
Total loans, leases, and other assets 2.3 2.3 2.1 1.9 2.4 Blank 2.6 1.1 4.6 2.2
Securitized Loans, Leases, and Other Assets 90 Days or More Past Due (%)
1-4 family residential loans 1.5 1.2 1.3 1.1 1.2 Blank 0.3 0.0 23.8 1.4
Home equity loans 0.5 0.4 0.3 0.4 0.5 Blank 0.0 0.0 1.1 0.5
Credit card receivables 1.9 1.7 1.6 1.8 1.7 Blank 0.0 1.1 1.3 1.9
Auto loans 0.3 0.2 0.2 0.2 0.3 Blank 0.0 0.0 0.1 0.4
Other consumer loans 2.4 2.1 2.1 2.0 2.1 Blank 0.0 0.0 0.0 2.4
Commercial and industrial loans 0.9 0.7 0.6 0.6 0.7 Blank 0.0 0.0 2.0 0.3
All other loans, leases, and other assets 0.1 0.1 0.2 0.1 0.2 Blank 0.0 1.9 0.0 0.1
Total loans, leases, and other assets 1.5 1.2 1.2 1.2 1.2 Blank 0.3 1.0 8.9 1.4
Securitized Loans, Leases, and Other Assets Charged-Off (net, YTD, annualized, %)
1-4 family residential loans 0.1 0.0 0.0 0.0 0.0 Blank 0.0 0.0 3.1 0.0
Home equity loans 0.2 0.1 0.1 0.1 0.3 Blank 0.0 0.0 1.6 0.2
Credit card receivables 4.4 3.3 2.2 1.1 3.8 Blank 0.0 3.3 3.0 4.5
Auto loans 1.2 0.8 0.5 0.3 0.7 Blank 0.0 0.0 0.5 1.2
Other consumer loans 1.3 1.1 0.7 0.4 1.5 Blank 0.0 0.0 0.0 1.3
Commercial and industrial loans 2.0 1.3 0.7 0.4 1.3 Blank 0.0 0.0 4.2 0.7
All other loans, leases, and other assets 0.0 0.0 0.0 0.0 0.0 Blank 0.0 0.0 0.0 0.0
Total loans, leases, and other assets 1.1 0.8 0.5 0.3 1.1 Blank 0.0 2.9 3.1 1.0
Seller's Interests in Institution's Own Securitizations - Carried as Loans
Home equity loans 347 494 651 671 869 -60.1 0 0 0 347
Credit card receivables 86,748 77,451 73,405 61,569 75,225 15.3 0 251 4,699 81,798
Commercial and industrial loans 7,671 6,018 2,843 2,863 2,596 195.5 0 0 816 6,855
Seller's Interests in Institution's Own Securitizations - Carried as Securities
Home equity loans 9 10 10 10 10 -10.0 0 0 0 9
Credit card receivables 436 374 327 281 322 35.4 0 62 374 0
Commercial and industrial loans 2 6 9 1 5 -60.0 0 0 0 2
Assets Sold with Recourse and Not Securitized
Number of institutions reporting asset sales 757 749 738 731 716 5.7 154 455 103 45
Outstanding Principal Balance by Asset Type
1-4 family residential loans 57,554 57,407 55,156 55,719 55,777 3.2 939 6,857 2,719 47,040
Home equity, credit card receivables, auto, and other consumer loans 674 775 603 1,906 708 -4.8 1 60 13 600
Commercial and industrial loans 4,985 5,302 7,708 8,198 6,668 -25.2 0 172 390 4,423
All other loans, leases, and other assets 24,082 21,509 8,035 8,103 6,981 245.0 1 89 419 23,573
Total sold and not securitized 87,296 84,993 71,503 73,926 70,133 24.5 942 7,178 3,540 75,636
Maximum Credit Exposure by Asset Type
1-4 family residential loans 14,746 15,866 14,539 13,826 13,213 11.6 98 1,422 1,834 11,392
Home equity, credit card receivables, auto, and other consumer loans 605 742 575 1,871 663 -8.7 1 6 4 595
Commercial and industrial loans 3,650 3,671 4,453 4,543 4,499 -18.9 0 162 390 3,098
All other loans, leases, and other assets 6,968 6,447 2,383 2,428 2,530 175.4 1 14 107 6,845
Total credit exposure 25,969 26,726 21,951 22,668 20,904 24.2 100 1,604 2,335 21,930
Support for Securitization Facilities Sponsored by Other Institutions
Number of institutions reporting securitization facilities sponsored by others 47 49 50 47 47 0.0 24 12 4 7
Total credit exposure 2,841 1,477 1,375 1,348 1,135 150.3 7 113 91 2,630
Total unused liquidity commitments 10,314 8,242 14,093 5,827 5,857 76.1 0 0 0 10,314
Other
Assets serviced for others** 3,802,194 3,648,511 3,570,284 3,496,744 3,393,204 12.1 7,715 61,590 121,529 3,611,359
Asset-backed commercial paper conduits
Credit exposure to conduits sponsored by institutions and others 22,226 22,592 22,211 21,404 20,714 7.3 2 0 130 22,094
Unused liquidity commitments to conduits sponsored by institutions and others 374,260 365,850 364,656 327,395 306,435 22.1 0 0 0 374,260
Net servicing income (for the quarter) 2,705 3,635 5,330 3,601 2,162 25.1 66 128 138 2,373
Net securitization income (for the quarter) 5,007 5,812 5,355 4,964 2,407 108.0 0 60 256 4,691
Total credit exposure to Tier 1 capital (%)*** 6.3 6.5 5.6 5.7 5.8 Blank 0.50 1.50 2.50 8.00

*Line item titled All other loans and all leases for quarters prior to March 31, 2006.

**The amount of financial assets serviced for others, other than closed-end 1-4 family residential mortgages, is reported when these assets are greater than $10 million.

***Total credit exposure includes the sum of the three line items titled Total credit exposure reported above.

Last Updated 02/26/2008 Questions, Suggestions & Requests

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