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Quarterly Banking Profile
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| TABLE I-B. Insurance Fund Balances and Selected Indicators | |||||||||||||
| (dollar figures in millions) | Deposit Insurance Fund | ||||||||||||
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2nd Quarter 2009* |
1st Quarter 2009* |
4th Quarter 2008 |
3rd Quarter 2008 |
2nd Quarter 2008 |
1st Quarter 2008 |
4th Quarter 2007 |
3rd Quarter 2007 |
2nd Quarter 2007 |
1st Quarter 2007 |
4th Quarter 2006 |
3rd Quarter 2006 |
2nd Quarter 2006 |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Beginning Fund Balance | $13,007 | $17,276 | $34,588 | $45,217 | $52,843 | $52,413 | $51,754 | $51,227 | $50,745 | $50,165 | $49,992 | $49,564 | $49,193 |
| Changes in Fund Balance: | |||||||||||||
| Assessments earned | 9,095 | 2,615 | 996 | 881 | 640 | 448 | 239 | 170 | 140 | 94 | 10 | 10 | 7 |
| Interest earned on investment securities | 240 | 212 | 277 | 526 | 651 | 618 | 585 | 640 | 748 | 567 | 476 | 622 | 665 |
| Realized Gain on Sale of Investments | 521 | 136 | 302 | 473 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating expenses | 298 | 266 | 290 | 249 | 256 | 238 | 262 | 243 | 248 | 239 | 248 | 237 | 242 |
| Provision for insurance losses | 11,615 | 6,637 | 19,163 | 11,930 | 10,221 | 525 | 39 | 132 | -3 | -73 | 49 | -50 | -6 |
| All other income, net of expenses | 375 | 2 | 15 | 16 | 1 | 0 | -2 | 24 | 1 | 4 | 5 | 1 | 12 |
| Unrealized gain/(loss) on available-for-sale securities | -957 | -331 | 551 | -346 | 1,559 | 127 | 138 | 68 | -162 | 81 | -21 | -18 | -77 |
| Total fund balance change | -2,639 | -4,269 | -17,312 | -10,629 | -7,626 | 430 | 659 | 527 | 482 | 580 | 173 | 428 | 371 |
| Ending Fund Balance | 10,368 | 13,007 | 17,276 | 34,588 | 45,217 | 52,843 | 52,413 | 51,754 | 51,227 | 50,745 | 50,165 | 49,992 | 49,564 |
| Percent change from four quarters earlier | -77.07 | -75.39 | -67.04 | -33.17 | -11.73 | 4.13 | 4.48 | 3.52 | 3.36 | 3.15 | 3.23 | 3.35 | 3.21 |
| Reserve Ratio (%) | 0.22 | 0.27 | 0.36 | 0.76 | 1.01 | 1.19 | 1.22 | 1.22 | 1.21 | 1.20 | 1.21 | 1.22 | 1.23 |
| Estimated Insured Deposits** | 4,817,712 | 4,832,842 | 4,750,724 | 4,545,316 | 4,467,808 | 4,438,141 | 4,292,221 | 4,242,607 | 4,235,044 | 4,245,266 | 4,153,786 | 4,100,013 | 4,040,353 |
| Percent change from four quarters earlier | 7.83 | 8.89 | 10.68 | 7.13 | 5.50 | 4.54 | 3.33 | 3.48 | 4.82 | 6.08 | 6.76 | 7.02 | 7.52 |
| Domestic Deposits | 7,561,458 | 7,546,973 | 7,505,409 | 7,230,328 | 7,036,248 | 7,076,718 | 6,921,687 | 6,747,998 | 6,698,886 | 6,702,598 | 6,640,105 | 6,484,372 | 6,446,868 |
| Percent change from four quarters earlier | 7.46 | 6.65 | 8.43 | 7.15 | 5.04 | 5.58 | 4.24 | 4.07 | 3.91 | 5.71 | 6.59 | 6.76 | 8.68 |
| Number of institutions reporting | 8,205 | 8,257 | 8,315 | 8,394 | 8,462 | 8,505 | 8,545 | 8,570 | 8,625 | 8,661 | 8,692 | 8,755 | 8,790 |
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* For 2009, preliminary unaudited fund data, which are subject to change. ** The Emergency Economic Stabilization Act of 2008 directs the FDIC not to consider the temporary coverage increase to $250,000 in setting assessments. Therefore, we do not include the additional insured deposits in calculating the fund reserve ratio, which guides our assessment planning, from fourth quarter 2008 through second quarter 2009. The Helping Families Save Their Home Act of 2009 eliminated the prohibition against the FDIC's taking the temporary increase into account when setting assessments. Beginning in the third quarter of 2009 estimates of insured deposits will included the temporary coverage increase to $250,000. | |||||||||||||
| Last Updated 8/27/2009 | Questions, Suggestions & Requests |
