|
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 2010 |
1st Quarter 2010 |
4th Quarter 2009 |
3rd Quarter 2009 |
2nd Quarter 2009 |
% Change 09Q2-10Q2 |
Asset Size Distribution | ||||
|---|---|---|---|---|---|---|---|---|---|---|---|
|
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 | 129 | 127 | 142 | 142 | 139 | -7.2 | 18 | 61 | 22 | 28 | |
| Outstanding Principal Balance by Asset Type | |||||||||||
| 1-4 family residential loans | $1,180,361 | $1,194,588 | $1,209,474 | $1,225,694 | $1,222,193 | -3.4 | $262 | $962 | $2,147 | $1,176,990 | |
| Home equity loans | 0 | 15 | 5,947 | 6,205 | 6,594 | -100.0 | 0 | 0 | 0 | 0 | |
| Credit card receivables | 15,452 | 16,133 | 363,486 | 391,417 | 397,918 | -96.1 | 0 | 830 | 0 | 14,623 | |
| Auto loans | 486 | 600 | 7,182 | 8,277 | 10,266 | -95.3 | 0 | 0 | 67 | 419 | |
| Other consumer loans | 5,021 | 5,610 | 24,692 | 25,335 | 26,006 | -80.7 | 0 | 0 | 0 | 5,020 | |
| Commercial and industrial loans | 3,796 | 4,127 | 7,649 | 8,436 | 9,019 | -57.9 | 1 | 7 | 628 | 3,161 | |
| All other loans, leases, and other assets* | 206,692 | 192,853 | 198,835 | 192,077 | 193,374 | 6.9 | 5 | 43 | 158 | 206,486 | |
| Total securitized and sold | 1,411,808 | 1,413,926 | 1,817,266 | 1,857,441 | 1,865,371 | -24.3 | 268 | 1,841 | 3,000 | 1,406,700 | |
| Maximum Credit Exposure by Asset Type | |||||||||||
| 1-4 family residential loans | 5,009 | 5,166 | 5,780 | 6,115 | 6,058 | -17.3 | 2 | 9 | 57 | 4,942 | |
| Home equity loans | 0 | 14 | 1,023 | 1,006 | 1,063 | -100.0 | 0 | 0 | 0 | 0 | |
| Credit card receivables | 664 | 730 | 134,193 | 136,043 | 129,373 | -99.5 | 0 | 215 | 0 | 449 | |
| Auto loans | 6 | 6 | 637 | 745 | 722 | -99.2 | 0 | 0 | 6 | 0 | |
| Other consumer loans | 245 | 237 | 1,410 | 1,434 | 1,399 | -82.5 | 0 | 0 | 0 | 245 | |
| Commercial and industrial loans | 94 | 95 | 225 | 274 | 184 | -48.9 | 0 | 0 | 86 | 8 | |
| All other loans, leases, and other assets | 248 | 257 | 287 | 333 | 299 | -17.1 | 0 | 4 | 0 | 244 | |
| Total credit exposure | 6,266 | 6,506 | 143,555 | 145,950 | 139,100 | -95.5 | 2 | 229 | 148 | 5,888 | |
| Total unused liquidity commitments provided to institution's own securitizations | 166 | 162 | 387 | 358 | 378 | -56.1 | 1 | 0 | 1 | 164 | |
| Securitized Loans, Leases, and Other Assets 30-89 Days Past Due (%) | |||||||||||
| 1-4 family residential loans | 3.7 | 3.9 | 4.4 | 4.6 | 4.3 | 3.9 | 0.8 | 2.5 | 3.7 | ||
| Home equity loans | 0.0 | 0.0 | 1.3 | 1.3 | 0.8 | 0.0 | 0.0 | 0.0 | 0.0 | ||
| Credit card receivables | 1.5 | 1.5 | 2.7 | 2.9 | 2.6 | 0.0 | 2.4 | 0.0 | 1.5 | ||
| Auto loans | 1.2 | 1.2 | 2.3 | 2.4 | 2.2 | 0.0 | 0.0 | 1.0 | 1.2 | ||
| Other consumer loans | 3.7 | 3.3 | 3.9 | 3.6 | 2.9 | 0.0 | 0.0 | 0.0 | 3.7 | ||
| Commercial and industrial loans | 0.2 | 0.3 | 2.3 | 2.9 | 2.6 | 0.0 | 26.0 | 0.9 | 0.0 | ||
| All other loans, leases, and other assets | 2.6 | 2.2 | 3.5 | 1.2 | 1.9 | 0.0 | 0.0 | 0.0 | 2.6 | ||
| Total loans, leases, and other assets | 3.5 | 3.6 | 4.0 | 3.9 | 3.7 | 3.9 | 1.6 | 2.0 | 3.5 | ||
| Securitized Loans, Leases, and Other Assets 90 Days or More Past Due (%) | |||||||||||
| 1-4 family residential loans | 7.8 | 8.5 | 7.9 | 7.5 | 6.6 | 1.9 | 0.5 | 3.7 | 7.8 | ||
| Home equity loans | 0.0 | 0.0 | 2.0 | 1.8 | 0.9 | 0.0 | 0.0 | 0.0 | 0.0 | ||
| Credit card receivables | 0.7 | 0.8 | 3.0 | 2.6 | 2.9 | 0.0 | 3.1 | 0.0 | 0.5 | ||
| Auto loans | 0.2 | 0.3 | 0.2 | 0.3 | 0.2 | 0.0 | 0.0 | 0.1 | 0.2 | ||
| Other consumer loans | 2.7 | 2.7 | 3.6 | 3.6 | 3.3 | 0.0 | 0.0 | 0.0 | 2.7 | ||
| Commercial and industrial loans | 0.1 | 0.1 | 1.0 | 1.2 | 1.3 | 0.0 | 0.0 | 0.7 | 0.0 | ||
| All other loans, leases, and other assets | 8.5 | 7.5 | 4.3 | 3.7 | 1.6 | 9.1 | 0.0 | 0.9 | 8.6 | ||
| Total loans, leases, and other assets | 7.8 | 8.2 | 6.4 | 5.9 | 5.2 | 2.0 | 1.7 | 2.9 | 7.8 | ||
| Securitized Loans, Leases, and Other Assets Charged-Off (net, YTD, annualized, %) | |||||||||||
| 1-4 family residential loans | 0.4 | 0.2 | 1.0 | 0.7 | 0.5 | 0.0 | 0.0 | 0.0 | 0.4 | ||
| Home equity loans | 0.0 | 0.0 | 1.8 | 1.4 | 0.9 | 0.0 | 0.0 | 0.0 | 0.0 | ||
| Credit card receivables | 4.2 | 2.2 | 10.2 | 7.6 | 4.8 | 0.0 | 6.1 | 0.0 | 4.1 | ||
| Auto loans | 0.4 | 0.3 | 2.5 | 1.9 | 1.1 | 0.0 | 0.0 | 0.1 | 0.5 | ||
| Other consumer loans | 0.9 | 0.4 | 1.0 | 0.7 | 0.5 | 0.0 | 0.0 | 0.0 | 0.9 | ||
| Commercial and industrial loans | 0.0 | 0.0 | 13.9 | 10.0 | 6.9 | 0.0 | 0.0 | 0.1 | 0.0 | ||
| All other loans, leases, and other assets | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||
| Total loans, leases, and other assets | 0.4 | 0.2 | 2.8 | 2.1 | 1.4 | 0.0 | 2.7 | 0.0 | 0.4 | ||
| Seller's Interests in Institution's Own Securitizations - Carried as Loans | |||||||||||
| Home equity loans | 0 | 0 | 316 | 396 | 134 | -100.0 | 0 | 0 | 0 | 0 | |
| Credit card receivables | 5,088 | 4,831 | 62,235 | 73,401 | 68,128 | -92.5 | 0 | 55 | 0 | 5,033 | |
| Commercial and industrial loans | 3 | 4 | 894 | 930 | 451 | -99.3 | 0 | 2 | 0 | 0 | |
| Seller's Interests in Institution's Own Securitizations - Carried as Securities | |||||||||||
| Home equity loans | 0 | 0 | 1 | 2 | 4 | -100.0 | 0 | 0 | 0 | 0 | |
| Credit card receivables | 0 | 0 | 789 | 788 | 594 | -100.0 | 0 | 0 | 0 | 0 | |
| Commercial and industrial loans | 0 | 0 | 0 | 0 | 0 | 0.0 | 0 | 0 | 0 | 0 | |
| Assets Sold with Recourse and Not Securitized | |||||||||||
| Number of institutions reporting asset sales | 833 | 820 | 826 | 821 | 827 | 0.7 | 169 | 507 | 115 | 42 | |
| Outstanding Principal Balance by Asset Type | |||||||||||
| 1-4 family residential loans | 62,232 | 62,219 | 66,978 | 68,000 | 70,505 | -11.7 | 2,591 | 9,099 | 4,151 | 46,391 | |
| Home equity, credit card receivables, auto, and other consumer loans | 41 | 40 | 908 | 1,024 | 1,159 | -96.5 | 0 | 9 | 15 | 17 | |
| Commercial and industrial loans | 541 | 669 | 2,654 | 2,844 | 3,195 | -83.1 | 1 | 54 | 25 | 461 | |
| All other loans, leases, and other assets | 52,400 | 48,372 | 48,757 | 47,971 | 47,560 | 10.2 | 1 | 79 | 301 | 52,019 | |
| Total sold and not securitized | 115,215 | 111,299 | 119,298 | 119,840 | 122,419 | -5.9 | 2,593 | 9,241 | 4,493 | 98,888 | |
| Maximum Credit Exposure by Asset Type | |||||||||||
| 1-4 family residential loans | 14,192 | 13,702 | 16,534 | 15,419 | 15,837 | -10.4 | 102 | 1,214 | 2,445 | 10,431 | |
| Home equity, credit card receivables, auto, and other consumer loans | 21 | 21 | 100 | 104 | 112 | -81.3 | 0 | 7 | 3 | 11 | |
| Commercial and industrial loans | 78 | 62 | 1,934 | 2,003 | 2,224 | -96.5 | 1 | 40 | 25 | 12 | |
| All other loans, leases, and other assets | 12,748 | 10,450 | 10,412 | 10,136 | 10,011 | 27.3 | 1 | 51 | 13 | 12,683 | |
| Total credit exposure | 27,039 | 24,234 | 28,980 | 27,662 | 28,184 | -4.1 | 104 | 1,312 | 2,486 | 23,137 | |
| Support for Securitization Facilities Sponsored by Other Institutions | |||||||||||
| Number of institutions reporting securitization facilities sponsored by others | 125 | 78 | 58 | 60 | 60 | 108.3 | 31 | 59 | 26 | 9 | |
| Total credit exposure | 9,254 | 6,427 | 4,297 | 4,872 | 3,812 | 142.8 | 26 | 201 | 131 | 8,896 | |
| Total unused liquidity commitments | 418 | 846 | 545 | 327 | 475 | -12.0 | 0 | 0 | 0 | 418 | |
| Other | |||||||||||
| Assets serviced for others** | 5,956,144 | 5,995,522 | 6,010,523 | 5,977,515 | 5,878,337 | 1.3 | 4,065 | 80,879 | 93,972 | 5,777,228 | |
| Asset-backed commercial paper conduits | |||||||||||
| Credit exposure to conduits sponsored by institutions and others | 7,315 | 7,253 | 15,953 | 17,649 | 20,208 | -63.8 | 5 | 0 | 84 | 7,226 | |
| Unused liquidity commitments to conduits sponsored by institutions and others | 78,062 | 80,156 | 170,373 | 182,740 | 210,026 | -62.8 | 0 | 0 | 1,145 | 76,917 | |
| Net servicing income (for the quarter) | 3,916 | 4,835 | 8,019 | 5,995 | 10,845 | -63.9 | 32 | 127 | 103 | 3,655 | |
| Net securitization income (for the quarter) | 156 | 13 | 1,615 | 1,163 | -142 | -209.9 | 1 | 6 | 2 | 147 | |
| Total credit exposure to Tier 1 capital (%)*** | 3.7 | 3.3 | 15.9 | 16.2 | 15.8 | 0.7 | 1.4 | 2.1 | 4.4 | ||
|
*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 8/31/2010 | Questions, Suggestions & Requests |
