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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) 1st Quarter
2007 		4th Quarter
2006 		3rd Quarter
2006 		2nd Quarter
2006 		1st Quarter
2006 		% Change
06:1-07:1 		Asset Size Distribution 1st 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 127 121 119 120 116 9.5 17 46 21 43
Outstanding Principal Balance by Asset Type
1-4 family residential loans $1,079,891 $738,996 $453,900 $417,800 $392,412 175.2 $91 $148 $1,544 $1,078,108
Home equity loans 9,339 8,905 9,257 9,632 10,768 -13.3 0 0 479 8,860
Credit card receivables 367,796 362,467 422,983 403,434 402,214 -8.6 0 6,279 6,675 354,842
Auto loans 14,132 16,263 16,781 16,665 16,304 -13.3 0 0 399 13,733
Other consumer loans 27,737 28,673 25,753 24,414 22,165 25.1 0 8 0 27,730
Commercial and industrial loans 12,039 10,543 8,404 10,582 10,703 12.5 0 31 4,465 7,542
All other loans, leases, and other assets* 150,404 144,939 136,330 121,506 109,800 37.0 2 93 1,232 149,077
Total securitized and sold 1,661,338 1,310,787 1,073,407 1,004,034 964,366 72.3 93 6,559 14,794 1,639,893
Maximum Credit Exposure by Asset Type
1-4 family residential loans 6,037 6,627 4,619 4,336 4,160 45.1 1 2 17 6,017
Home equity loans 2,368 2,332 2,358 2,358 2,387 -0.8 0 0 21 2,347
Credit card receivables 17,685 19,182 25,084 24,495 23,214 -23.8 0 440 168 17,077
Auto loans 628 724 813 806 798 -21.3 0 0 16 612
Other consumer loans 1,861 1,882 1,653 1,619 1,612 15.4 0 0 0 1,861
Commercial and industrial loans 311 348 407 455 464 -33.0 0 0 82 229
All other loans, leases, and other assets 1,052 997 761 727 777 35.4 1 25 51 974
Total credit exposure 29,942 32,093 35,695 34,796 33,411 -10.4 2 468 356 29,116
Total unused liquidity commitments provided to institution's own securitizations 6,119 6,872 7,323 9,359 10,867 -43.7 4 0 0 6,116
Securitized Loans, Leases, and Other Assets 30-89 Days Past Due (%)
1-4 family residential loans 2.11 3.03 2.45 2.07 1.75 Blank 0.00 0.06 0.80 2.11
Home equity loans 0.70 0.74 0.72 0.58 0.49 Blank 0.00 0.00 1.63 0.65
Credit card receivables 1.91 1.98 2.04 1.92 2.01 Blank 0.00 2.36 0.71 1.93
Auto loans 1.45 1.69 1.31 1.14 1.06 Blank 0.00 0.00 0.72 1.47
Other consumer loans 2.42 3.02 3.03 2.62 2.54 Blank 0.00 0.00 0.00 2.42
Commercial and industrial loans 0.66 0.71 1.17 1.23 1.22 Blank 0.00 0.00 1.52 0.16
All other loans, leases, and other assets 0.15 0.21 0.23 0.13 0.11 Blank 0.00 0.00 0.15 0.15
Total loans, leases, and other assets 1.87 2.38 1.98 1.75 1.66 Blank 0.00 2.26 0.95 1.88
Securitized Loans, Leases, and Other Assets 90 Days or More Past Due (%)
1-4 family residential loans 1.08 1.17 0.90 1.13 1.07 Blank 0.00 0.00 0.33 1.08
Home equity loans 0.35 0.50 0.31 0.31 0.30 Blank 0.00 0.00 1.01 0.32
Credit card receivables 1.78 1.72 1.60 1.61 1.61 Blank 0.00 1.69 0.59 1.80
Auto loans 0.16 0.26 0.18 0.16 0.17 Blank 0.00 0.00 0.10 0.16
Other consumer loans 2.03 2.11 2.13 2.14 2.13 Blank 0.00 0.00 0.00 2.03
Commercial and industrial loans 0.55 0.66 0.76 0.88 0.94 Blank 0.00 0.00 1.22 0.16
All other loans, leases, and other assets 0.14 0.18 0.20 0.15 0.14 Blank 0.00 0.00 0.08 0.14
Total loans, leases, and other assets 1.15 1.21 1.10 1.20 1.19 Blank 0.00 1.62 0.71 1.15
Securitized Loans, Leases, and Other Assets Charged-Off (net, YTD, annualized, %)
1-4 family residential loans 0.01 0.04 0.05 0.03 0.02 Blank 0.00 0.00 0.01 0.01
Home equity loans 0.21 0.25 0.19 0.12 0.06 Blank 0.00 0.00 3.24 0.05
Credit card receivables 1.12 3.80 2.86 1.90 0.89 Blank 0.00 1.19 0.53 1.13
Auto loans 0.26 0.68 0.45 0.27 0.23 Blank 0.00 0.00 0.10 0.26
Other consumer loans 0.38 1.49 1.20 0.71 0.45 Blank 0.00 0.00 0.00 0.38
Commercial and industrial loans 0.36 1.33 1.17 0.82 0.44 Blank 0.00 0.00 0.99 -0.01
All other loans, leases, and other assets 0.01 -0.01 -0.01 0.00 0.00 Blank 0.00 0.00 0.02 0.01
Total loans, leases, and other assets 0.27 1.13 1.19 0.81 0.40 Blank 0.00 1.14 0.65 0.26
Seller's Interests in Institution's Own Securitizations - Carried as Loans
Home equity loans 671 869 728 650 586 14.5 0 0 8 663
Credit card receivables 61,569 75,225 68,885 82,533 72,954 -15.6 0 335 4,405 56,829
Commercial and industrial loans 2,863 2,596 2,891 3,284 2,523 13.5 0 0 961 1,902
Seller's Interests in Institution's Own Securitizations - Carried as Securities
Home equity loans 10 10 11 12 12 -16.7 0 0 0 10
Credit card receivables 281 322 184 137 72 290.3 0 35 246 0
Commercial and industrial loans 1 5 0 0 0 0.0 0 0 0 1
Assets Sold with Recourse and Not Securitized
Number of institutions reporting asset sales 726 715 708 698 691 5.1 168 421 94 43
Outstanding Principal Balance by Asset Type
1-4 family residential loans 56,074 56,102 56,002 54,319 53,866 4.1 940 6,552 2,294 46,289
Home equity, credit card receivables, auto, and other consumer loans 1,904 708 115 124 902 111.1 2 28 12 1,862
Commercial and industrial loans 8,198 6,668 6,781 6,184 6,112 34.1 16 87 324 7,770
All other loans, leases, and other assets 8,103 6,981 7,403 12,998 16,607 -51.2 2 47 195 7,859
Total sold and not securitized 74,278 70,458 70,302 73,625 77,487 -4.1 960 6,714 2,825 63,779
Maximum Credit Exposure by Asset Type
1-4 family residential loans 14,185 13,537 13,698 12,167 11,987 18.3 60 1,373 1,490 11,262
Home equity, credit card receivables, auto, and other consumer loans 1,868 663 47 64 485 285.2 2 7 6 1,852
Commercial and industrial loans 4,543 4,499 4,479 4,272 4,132 9.9 16 56 324 4,146
All other loans, leases, and other assets 2,428 2,530 2,502 2,161 2,678 -9.3 2 16 92 2,317
Total credit exposure 23,024 21,229 20,726 18,663 19,281 19.4 81 1,453 1,913 19,577
Support for Securitization Facilities Sponsored by Other Institutions
Number of institutions reporting securitization facilities sponsored by others 47 47 48 46 45 4.4 22 14 3 8
Total credit exposure 1,348 1,135 958 853 897 50.3 6 122 69 1,150
Total unused liquidity commitments 5,827 6,257 5,066 4,251 4,651 25.3 0 0 0 5,827
Other
Assets serviced for others** 3,494,590 3,392,152 3,072,169 2,836,997 2,647,319 32.0 7,388 69,259 91,471 3,326,473
Asset-backed commercial paper conduits
Credit exposure to conduits sponsored by institutions and others 21,404 20,714 19,244 19,293 17,503 22.3 2 83 1 21,318
Unused liquidity commitments to conduits sponsored by institutions and others 327,395 306,435 294,329 286,363 288,086 13.6 0 0 0 327,395
Net servicing income (for the quarter) 3,600 2,161 3,381 4,262 4,693 -23.3 46 172 134 3,249
Net securitization income (for the quarter) 5,051 2,407 6,832 6,225 6,705 -24.7 0 211 156 4,684
Total credit exposure to Tier 1 capital (%)*** 5.7 5.8 6.1 5.9 6.0 Blank 0.4 1.6 1.8 7.5

*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 05/31/2007 Questions, Suggestions & Requests

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