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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 | |||||||||||
|
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 | $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 | 2,615 | 996 | 881 | 640 | 448 | 239 | 170 | 140 | 94 | 10 | 10 | 7 |
| Interest earned on investment securities | 212 | 277 | 526 | 651 | 618 | 585 | 640 | 748 | 567 | 476 | 622 | 665 |
| Realized Gain on Sale of Investments | 136 | 302 | 473 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating expenses | 266 | 290 | 249 | 256 | 238 | 262 | 243 | 248 | 239 | 248 | 237 | 242 |
| Provision for insurance losses | 6,637 | 19,163 | 11,930 | 10,221 | 525 | 39 | 132 | -3 | -73 | 49 | -50 | -6 |
| All other income, net of expenses | 2 | 15 | 16 | 1 | 0 | -2 | 24 | 1 | 4 | 5 | 1 | 12 |
| Unrealized gain/(loss) on available-for-sale securities | -331 | 551 | -346 | 1,559 | 127 | 138 | 68 | -162 | 81 | -21 | -18 | -77 |
| Total fund balance change | -4,269 | -17,312 | -10,629 | -7,626 | 430 | 659 | 527 | 482 | 580 | 173 | 428 | 371 |
| Ending 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 |
| Percent change from four quarters earlier | -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 (%) | 0.27 | 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** | 4,831,473 | 4,749,036 | 4,545,288 | 4,467,771 | 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 | 8.86 | 10.64 | 7.13 | 5.50 | 4.54 | 3.33 | 3.48 | 4.82 | 6.08 | 6.76 | 7.02 | 7.52 |
| Domestic Deposits | 7,546,377 | 7,505,434 | 7,230,331 | 7,036,247 | 7,076,719 | 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 | 6.64 | 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 | 8,256 | 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 directed the FDIC not to consider the temporary coverage increase to $250,000 in setting assessments. On May 20, 2009, the President signed the Helping Families Save Their Homes Act of 2009, which extends the temporary deposit insurance coverage limit increase to $250,000 through the end of 2013 and eliminates the prohibition against the FDIC’s taking the temporary coverage increase into account when setting assessments. However, estimated insured deposits and the reserve ratios in these tables reflect the general $100,000 coverage limit (for deposits other than retirement accounts) and the law in effect as of March 31, 2009. | ||||||||||||
| Last Updated 05/27/2009 | Questions, Suggestions & Requests |
