|
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 2010 |
4th Quarter 2009 |
3rd Quarter 2009 |
2nd Quarter 2009 |
1st Quarter 2009 |
% Change 09Q1-10Q1 |
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 | 132 | 143 | 143 | 140 | 132 | 0.0 | 19 | 61 | 23 | 29 | |
| Outstanding Principal Balance by Asset Type | |||||||||||
| 1-4 family residential loans | $1,194,691 | $1,209,474 | $1,225,694 | $1,222,193 | $1,230,735 | -2.9 | $232 | $931 | $2,045 | $1,191,483 | |
| Home equity loans | 167 | 5,947 | 6,205 | 6,594 | 6,595 | -97.5 | 14 | 0 | 0 | 153 | |
| Credit card receivables | 16,133 | 363,486 | 391,417 | 397,918 | 399,113 | -96.0 | 0 | 861 | 0 | 15,272 | |
| Auto loans | 600 | 7,182 | 8,277 | 10,266 | 11,862 | -94.9 | 0 | 0 | 79 | 521 | |
| Other consumer loans | 5,610 | 24,692 | 25,335 | 26,006 | 26,692 | -79.0 | 0 | 0 | 0 | 5,610 | |
| Commercial and industrial loans | 4,127 | 7,649 | 8,436 | 9,019 | 8,317 | -50.4 | 1 | 10 | 594 | 3,522 | |
| All other loans, leases, and other assets | 192,868 | 198,849 | 192,086 | 193,377 | 197,699 | -2.4 | 4 | 41 | 143 | 192,681 | |
| Total securitized and sold | 1,414,197 | 1,817,280 | 1,857,449 | 1,865,374 | 1,881,015 | -24.8 | 252 | 1,843 | 2,861 | 1,409,242 | |
| Maximum Credit Exposure by Asset Type | |||||||||||
| 1-4 family residential loans | 5,166 | 5,780 | 6,115 | 6,058 | 6,279 | -17.7 | 2 | 11 | 55 | 5,098 | |
| Home equity loans | 14 | 1,023 | 1,006 | 1,063 | 1,120 | -98.8 | 14 | 0 | 0 | 0 | |
| Credit card receivables | 730 | 134,193 | 136,043 | 129,373 | 39,100 | -98.1 | 0 | 267 | 0 | 463 | |
| Auto loans | 6 | 637 | 745 | 722 | 912 | -99.3 | 0 | 0 | 6 | 0 | |
| Other consumer loans | 237 | 1,410 | 1,434 | 1,399 | 1,429 | -83.4 | 0 | 0 | 0 | 237 | |
| Commercial and industrial loans | 95 | 225 | 274 | 184 | 367 | -74.1 | 0 | 0 | 86 | 9 | |
| All other loans, leases, and other assets | 257 | 287 | 333 | 299 | 301 | -14.6 | 0 | 5 | 0 | 253 | |
| Total credit exposure | 6,506 | 143,555 | 145,950 | 139,100 | 49,509 | -86.9 | 17 | 282 | 147 | 6,060 | |
| Total unused liquidity commitments provided to institution's own securitizations | 162 | 387 | 358 | 378 | 397 | -59.2 | 1 | 0 | 2 | 159 | |
| Securitized Loans, Leases, and Other Assets 30-89 Days Past Due (%) | |||||||||||
| 1-4 family residential loans | 3.9 | 4.4 | 4.6 | 4.3 | 4.1 | 4.0 | 1.1 | 2.5 | 3.9 | ||
| Home equity loans | 0.5 | 1.3 | 1.3 | 0.8 | 1.1 | 0.0 | 0.0 | 0.0 | 0.5 | ||
| Credit card receivables | 1.5 | 2.7 | 2.9 | 2.6 | 3.0 | 0.0 | 2.4 | 0.0 | 1.4 | ||
| Auto loans | 1.2 | 2.3 | 2.4 | 2.2 | 1.9 | 0.0 | 0.0 | 0.6 | 1.3 | ||
| Other consumer loans | 3.3 | 4.0 | 3.6 | 2.9 | 3.1 | 0.0 | 0.0 | 0.0 | 3.3 | ||
| Commercial and industrial loans | 0.3 | 2.3 | 2.9 | 2.6 | 3.1 | 0.0 | 16.8 | 1.5 | 0.0 | ||
| All other loans, leases, and other assets | 2.2 | 3.5 | 1.2 | 1.9 | 0.6 | 0.0 | 0.0 | 0.4 | 2.2 | ||
| Total loans, leases, and other assets | 3.6 | 4.0 | 3.9 | 3.7 | 3.5 | 3.7 | 1.8 | 2.1 | 3.6 | ||
| Securitized Loans, Leases, and Other Assets 90 Days or More Past Due (%) | |||||||||||
| 1-4 family residential loans | 8.5 | 7.9 | 7.5 | 6.6 | 5.7 | 1.6 | 0.4 | 3.2 | 8.6 | ||
| Home equity loans | 0.5 | 2.0 | 1.8 | 0.9 | 1.4 | 0.0 | 0.0 | 0.0 | 0.5 | ||
| Credit card receivables | 0.8 | 3.0 | 2.6 | 2.9 | 3.0 | 0.0 | 3.7 | 0.0 | 0.7 | ||
| Auto loans | 0.3 | 0.2 | 0.3 | 0.2 | 0.2 | 0.0 | 0.0 | 0.1 | 0.4 | ||
| Other consumer loans | 2.7 | 3.6 | 3.6 | 3.3 | 3.5 | 0.0 | 0.0 | 0.0 | 2.7 | ||
| Commercial and industrial loans | 0.1 | 1.0 | 1.2 | 1.3 | 3.1 | 0.0 | 0.0 | 0.7 | 0.0 | ||
| All other loans, leases, and other assets | 7.5 | 4.3 | 3.8 | 1.6 | 1.1 | 9.5 | 0.0 | 0.6 | 7.5 | ||
| Total loans, leases, and other assets | 8.3 | 6.4 | 5.9 | 5.2 | 4.6 | 1.7 | 1.9 | 2.5 | 8.3 | ||
| Securitized Loans, Leases, and Other Assets Charged-Off (net, YTD, annualized, %) | |||||||||||
| 1-4 family residential loans | 0.2 | 1.0 | 0.7 | 0.5 | 0.2 | 0.0 | 0.0 | 0.0 | 0.2 | ||
| Home equity loans | 0.2 | 1.8 | 1.4 | 0.9 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | ||
| Credit card receivables | 2.2 | 10.2 | 7.6 | 4.8 | 2.1 | 0.0 | 3.0 | 0.0 | 2.1 | ||
| Auto loans | 0.3 | 2.5 | 1.9 | 1.1 | 0.7 | 0.0 | 0.0 | 0.1 | 0.4 | ||
| Other consumer loans | 0.4 | 1.0 | 0.7 | 0.5 | 0.2 | 0.0 | 0.0 | 0.0 | 0.4 | ||
| Commercial and industrial loans | 0.0 | 13.9 | 10.0 | 6.9 | 2.6 | 0.0 | 0.0 | 0.0 | 0.0 | ||
| All other loans, leases, and other assets | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | ||
| Total loans, leases, and other assets | 0.2 | 2.8 | 2.1 | 1.4 | 0.6 | 0.0 | 1.4 | 0.0 | 0.2 | ||
| Seller's Interests in Institution's Own Securitizations - Carried as Loans | |||||||||||
| Home equity loans | 0 | 316 | 396 | 134 | 165 | -100.0 | 0 | 0 | 0 | 0 | |
| Credit card receivables | 4,831 | 62,235 | 73,401 | 68,128 | 77,212 | -93.7 | 0 | 53 | 0 | 4,778 | |
| Commercial and industrial loans | 4 | 894 | 930 | 451 | 450 | -99.1 | 0 | 2 | 1 | 0 | |
| Seller's Interests in Institution's Own Securitizations - Carried as Securities | |||||||||||
| Home equity loans | 0 | 1 | 2 | 4 | 5 | -100.0 | 0 | 0 | 0 | 0 | |
| Credit card receivables | 0 | 789 | 788 | 594 | 556 | -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 | 818 | 826 | 820 | 826 | 819 | -0.1 | 158 | 501 | 115 | 44 | |
| Outstanding Principal Balance by Asset Type | |||||||||||
| 1-4 family residential loans | 62,493 | 66,985 | 67,999 | 70,504 | 70,061 | -10.8 | 1,066 | 9,401 | 4,212 | 47,813 | |
| Home equity, credit card receivables, auto, and other consumer loans | 40 | 908 | 1,024 | 1,159 | 1,348 | -97.0 | 0 | 20 | 3 | 17 | |
| Commercial and industrial loans | 669 | 2,654 | 2,844 | 3,195 | 6,028 | -88.9 | 1 | 43 | 15 | 610 | |
| All other loans, leases, and other assets | 48,372 | 48,757 | 47,971 | 47,560 | 46,438 | 4.2 | 0 | 95 | 44 | 48,233 | |
| Total sold and not securitized | 111,574 | 119,304 | 119,839 | 122,418 | 123,875 | -9.9 | 1,067 | 9,559 | 4,273 | 96,674 | |
| Maximum Credit Exposure by Asset Type | |||||||||||
| 1-4 family residential loans | 13,701 | 16,541 | 15,418 | 15,836 | 15,421 | -11.2 | 110 | 1,237 | 2,433 | 9,920 | |
| Home equity, credit card receivables, auto, and other consumer loans | 21 | 100 | 104 | 112 | 183 | -88.5 | 0 | 7 | 1 | 12 | |
| Commercial and industrial loans | 62 | 1,934 | 2,003 | 2,224 | 4,995 | -98.8 | 1 | 32 | 15 | 14 | |
| All other loans, leases, and other assets | 10,450 | 10,412 | 10,136 | 10,011 | 9,790 | 6.7 | 0 | 66 | 5 | 10,379 | |
| Total credit exposure | 24,233 | 28,986 | 27,661 | 28,183 | 30,389 | -20.3 | 111 | 1,342 | 2,455 | 20,325 | |
| Support for Securitization Facilities Sponsored by Other Institutions | |||||||||||
| Number of institutions reporting securitization facilities sponsored by others | 74 | 57 | 60 | 60 | 56 | 32.1 | 26 | 33 | 7 | 8 | |
| Total credit exposure | 6,410 | 4,296 | 4,872 | 3,812 | 2,134 | 200.4 | 10 | 97 | 37 | 6,266 | |
| Total unused liquidity commitments | 846 | 545 | 327 | 475 | 936 | -9.6 | 0 | 0 | 0 | 846 | |
| Other | |||||||||||
| Assets serviced for others* | 6,034,911 | 6,010,532 | 5,977,515 | 5,878,337 | 5,681,694 | 6.2 | 3,968 | 119,605 | 94,369 | 5,816,968 | |
| Asset-backed commercial paper conduits | |||||||||||
| Credit exposure to conduits sponsored by institutions and others | 7,268 | 15,967 | 17,658 | 20,210 | 22,981 | -68.4 | 5 | 0 | 68 | 7,195 | |
| Unused liquidity commitments to conduits sponsored by institutions and others | 80,156 | 170,373 | 182,740 | 210,026 | 273,542 | -70.7 | 0 | 0 | 1,272 | 78,884 | |
| Net servicing income (for the quarter) | 4,844 | 8,019 | 5,995 | 10,845 | 5,946 | -18.5 | 7 | 180 | 177 | 4,480 | |
| Net securitization income (for the quarter) | 13 | 1,615 | 1,163 | -142 | 2,124 | -99.4 | 1 | 2 | 2 | 8 | |
| Total credit exposure to Tier 1 capital (%)** | 3.3 | 15.9 | 16.2 | 15.8 | 7.7 | 0.8 | 1.4 | 1.9 | 3.9 | ||
|
*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 05/20/2010 | Questions, Suggestions & Requests |
