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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) 2nd Quarter
2007 		1st Quarter
2007 		4th Quarter
2006 		3rd Quarter
2006 		2nd Quarter
2006 		% Change
06:2-07:2 		Asset Size Distribution 2nd Quarter 2007
Less
Than $100
Million		 $100 Million
To
$1 Billion		 $1 Billion
To
$10 Billion		 Greater
Than $10
Billion
Assets Securitized and Sold with Servicing Retained or with Recourse or Other Seller-Provided Credit Enhancements
Number of institutions reporting securitization activities 126 125 122 119 120 5.0 16 47 20 43
Outstanding Principal Balance by Asset Type
1-4 family residential loans $1,115,865 $1,079,912 $739,024 $453,900 $417,800 167.1 $97 $329 $682 $1,114,758
Home equity loans 10,640 9,339 8,905 9,257 9,632 10.5 0 0 431 10,209
Credit card receivables 372,481 367,796 362,467 422,983 403,434 -7.7 0 6,637 6,675 359,170
Auto loans 12,547 14,132 16,263 16,781 16,665 -24.7 0 0 361 12,185
Other consumer loans 27,396 27,737 28,673 25,753 24,414 12.2 0 7 0 27,389
Commercial and industrial loans 13,193 12,039 10,543 8,404 10,582 24.7 0 30 4,859 8,303
All other loans, leases, and other assets* 162,434 150,404 144,939 136,330 121,506 33.7 2 86 1,078 161,268
Total securitized and sold 1,714,556 1,661,359 1,310,814 1,073,407 1,004,034 70.8 99 7,089 14,087 1,693,282
Maximum Credit Exposure by Asset Type
1-4 family residential loans 6,511 6,047 6,627 4,619 4,336 50.2 13 3 17 6,478
Home equity loans 2,420 2,368 2,332 2,358 2,358 2.6 0 0 20 2,400
Credit card receivables 18,711 17,685 19,182 25,084 24,495 -23.6 0 488 175 18,048
Auto loans 555 628 724 813 806 -31.1 0 0 17 538
Other consumer loans 1,768 1,861 1,882 1,653 1,619 9.2 0 0 0 1,767
Commercial and industrial loans 314 311 348 407 455 -31.0 0 0 82 232
All other loans, leases, and other assets 1,053 1,052 997 761 727 44.8 1 25 49 978
Total credit exposure 31,331 29,952 32,093 35,695 34,796 -10.0 14 517 359 30,442
Total unused liquidity commitments provided to institution's own securitizations 5,667 6,116 6,872 7,323 9,359 -39.4 0 0 0 5,667
Securitized Loans, Leases, and Other Assets 30-89 Days Past Due (%)
1-4 family residential loans 2.5 2.1 3.0 2.4 2.1   0.0 0.0 2.0 2.5
Home equity loans 0.6 0.7 0.7 0.7 0.6   0.0 0.0 1.8 0.6
Credit card receivables 1.9 1.9 2.0 2.0 1.9   0.0 2.7 0.9 1.9
Auto loans 1.7 1.5 1.7 1.3 1.1   0.0 0.0 0.9 1.7
Other consumer loans 2.8 2.4 3.0 3.0 2.6   0.0 0.0 0.0 2.8
Commercial and industrial loans 0.5 0.7 0.7 1.2 1.2   0.0 0.0 1.4 0.0
All other loans, leases, and other assets 0.1 0.1 0.2 0.2 0.1   0.0 0.0 0.1 0.1
Total loans, leases, and other assets 2.1 1.9 2.4 2.0 1.7   0.0 2.5 1.1 2.1
Securitized Loans, Leases, and Other Assets 90 Days or More Past Due (%)
1-4 family residential loans 1.2 1.1 1.2 0.9 1.1   0.0 0.0 0.6 1.2
Home equity loans 0.3 0.4 0.5 0.3 0.3   0.0 0.0 1.2 0.3
Credit card receivables 1.6 1.8 1.7 1.6 1.6   0.0 1.6 0.6 1.6
Auto loans 0.2 0.2 0.3 0.2 0.2   0.0 0.0 0.1 0.2
Other consumer loans 2.1 2.0 2.1 2.1 2.1   0.0 0.0 0.0 2.1
Commercial and industrial loans 0.6 0.6 0.7 0.8 0.9   0.0 0.0 1.4 0.1
All other loans, leases, and other assets 0.2 0.1 0.2 0.2 0.1   0.0 0.0 0.1 0.2
Total loans, leases, and other assets 1.2 1.1 1.2 1.1 1.2   0.0 1.5 0.8 1.2
Securitized Loans, Leases, and Other Assets Charged-Off (net, YTD, annualized, %)
1-4 family residential loans 0.0 0.0 0.0 0.0 0.0   0.0 0.0 0.0 0.0
Home equity loans 0.1 0.1 0.3 0.2 0.1   0.0 0.0 0.7 0.1
Credit card receivables 2.2 1.1 3.8 2.9 1.9   0.0 2.2 1.0 2.3
Auto loans 0.5 0.3 0.7 0.5 0.3   0.0 0.0 0.2 0.5
Other consumer loans 0.7 0.4 1.5 1.2 0.7   0.0 0.0 0.0 0.7
Commercial and industrial loans 0.7 0.4 1.3 1.2 0.8   0.0 0.0 2.0 0.0
All other loans, leases, and other assets 0.0 0.0 0.0 0.0 0.0   0.0 0.0 0.0 0.0
Total loans, leases, and other assets 0.5 0.3 1.1 1.2 0.8   0.0 2.0 1.2 0.5
Seller's Interests in Institution's Own Securitizations - Carried as Loans
Home equity loans 651 671 869 728 650 0.2 0 0 3 648
Credit card receivables 73,405 61,569 75,225 68,885 82,533 -11.1 0 341 4,820 68,244
Commercial and industrial loans 2,843 2,863 2,596 2,891 3,284 -13.4 0 0 875 1,968
Seller's Interests in Institution's Own Securitizations - Carried as Securities
Home equity loans 10 10 10 11 12 -16.7 0 0 0 10
Credit card receivables 327 281 322 184 137 138.7 0 27 301 0
Commercial and industrial loans 9 1 5 0 0 0.0 0 0 0 9
Assets Sold with Recourse and Not Securitized
Number of institutions reporting asset sales 733 729 715 708 698 5.0 168 420 100 45
Outstanding Principal Balance by Asset Type
1-4 family residential loans 55,761 58,005 55,761 56,002 54,319 2.7 934 6,657 2,684 45,487
Home equity, credit card receivables, auto, and other consumer loans 601 1,905 708 115 124 384.7 1 30 10 561
Commercial and industrial loans 7,716 8,198 6,668 6,781 6,184 24.8 8 90 330 7,288
All other loans, leases, and other assets 8,035 8,103 6,981 7,403 12,998 -38.2 2 47 183 7,803
Total sold and not securitized 72,114 76,210 70,118 70,302 73,625 -2.1 945 6,824 3,206 61,139
Maximum Credit Exposure by Asset Type
1-4 family residential loans 14,884 16,112 13,197 13,698 12,167 22.3 70 1,463 1,894 11,457
Home equity, credit card receivables, auto, and other consumer loans 564 1,869 663 47 64 781.3 1 7 1 556
Commercial and industrial loans 4,461 4,543 4,499 4,479 4,272 4.4 8 65 330 4,058
All other loans, leases, and other assets 2,383 2,428 2,530 2,502 2,161 10.3 2 22 90 2,270
Total credit exposure 22,292 24,952 20,888 20,726 18,663 19.4 81 1,557 2,314 18,340
Support for Securitization Facilities Sponsored by Other Institutions
Number of institutions reporting securitization facilities sponsored by others 50 47 47 48 46 8.7 24 15 3 8
Total credit exposure 1,375 1,348 1,135 958 853 61.2 6 123 95 1,151
Total unused liquidity commitments 14,093 5,827 6,257 5,066 4,251 231.5 0 0 0 14,093
Other
Assets serviced for others** 3,571,164 3,493,527 3,392,129 3,072,169 2,836,997 25.9 7,553 63,015 89,301 3,411,295
Asset-backed commercial paper conduits
Credit exposure to conduits sponsored by institutions and others 22,211 21,404 20,714 19,244 19,293 15.1 2 99 0 22,109
Unused liquidity commitments to conduits sponsored by institutions and others 364,656 327,395 306,435 294,329 286,363 27.3 0 0 0 364,656
Net servicing income (for the quarter) 5,333 3,601 2,159 3,381 4,262 25.1 50 182 155 4,946
Net securitization income (for the quarter) 5,437 5,051 2,407 6,832 6,225 -12.7 0 210 141 5,086
Total credit exposure to Tier 1 capital (%) *** 5.7 5.9 5.8 6.1 5.9   0.4 1.7 2.1 7.3

* 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 08/22/2007 Questions, Suggestions & Requests

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