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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.2008 Volume 2, Number 4 (PDF) 1.30MB (PDF Help)
FDIC-insured institutions reported net income of $1.7 billion in the third quarter of 2008, a decline of $27.0 billion (94 percent) from the $28.7 billion that the industry earned in the third quarter of 2007. The primary reason for the drop in industry profits was higher provisions for loan losses. While large losses at a few institutions were chiefly responsible for the size of the earnings decline, more than half of all insured institutions (58.4 percent) reported lower net income in the third quarter, and almost one out of four institutions (24.1 percent) reported a net loss.
Insurance Fund Indicators
Do Record Farmland Prices Portend Another Steep Downturn for Agriculture and Farm Banks?
The agricultural crisis of the early 1980s remains a vivid memory for many in the farming community. The massive run-up in farmland prices in the late 1970s, followed by the sharp decline in land prices between 1981 and 1992, significantly contributed to the adverse effects on farmers and their lenders. Today, farmland values are rising at a pace reminiscent of the 1970s, raising concerns that another agricultural crisis may occur if land prices decline. This article briefly discusses some of the reasons for recent farmland price increases and analyzes their potential effect on FDIC-insured institutions.
Highlights from the 2008 Summary of Deposits Data
Each year, the Federal Deposit Insurance Corporation (FDIC) and the Office of
Thrift Supervision (OTS) survey all FDIC-insured institutions to collect information
on bank and thrift deposits, and operating branches and offices. The resulting
FDIC Summary of Deposits (SOD) is a valuable resource for analyzing deposit market trends
and measuring concentrations nationally and at the local level. This article
highlights some preliminary conclusions from the 2008 SOD data.
FDIC Quarterly 2012 Volume 6, Number 4
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