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The FDIC Quarterly provides a comprehensive summary of the most current financial results for the banking industry, along with feature articles. These articles range from timely analysis of economic and banking trends at the national and regional level that may affect the risk exposure of FDIC-insured institutions to research on issues affecting the banking system and the development of regulatory policy. The FDIC Quarterly brings together data and analysis that were previously available through three retired publications -- the FDIC Outlook, the FDIC Banking Review, and the FYI: An Update on Emerging Issues in Banking. Past issues of these publications are archived under their original publication names.2007 Volume 1, Number 2 (PDF) 447k (PDF Help)
FDIC-insured commercial banks and savings institutions set aside $11.4 billion in loan loss provisions during the second quarter, and noncurrent loans and leases grew for the fifth consecutive quarter. However, earnings performance remained solid; quarterly net income of $36.7 billion was the fourth-highest ever reported by the industry.
Privatizing Deposit Insurance: Results of the 2006 FDIC Study
The Federal Deposit Insurance Reform Conforming Amendments Act of 2005 required the FDIC to conduct a study of the feasibility and consequences of privatizing deposit insurance. The results of the study were delivered to Congress in February of this year. This article reviews the arguments that favor privatization, examines specific privatization proposals, and concludes with a discussion of other considerations important to the privatization debate.
Banking on Financial Education
The rapidly expanding choices of financial products and services have increased the need for financial education. This article highlights the results of an FDIC study of its Money Smart financial education program. The study demonstrates the positive effects of this curriculum on consumer money management attitudes and behaviors. Importantly for bankers, the study shows that financial education can strengthen the relationships consumers have with banks and improve their financial condition and outlook. In addition, this article describes the many ways banks are offering financial education and offers suggestions for banks as they try to enhance their programs.
FDIC Quarterly 2012 Volume 6, Number 4
|Last Updated 04/15/2011||Questions, Suggestions & Requests|