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About the FDIC

The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation’s financial system. The FDIC insures deposits; examines and supervises financial institutions for safety, soundness, and consumer protection; makes large and complex financial institutions resolvable; and manages receiverships.

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The banking industry reported quarterly net income of $64.4 billion in second quarter, a decrease of $6
          billion (8.5%) from a year ago.

Quarterly Net Income

The banking industry reported quarterly net income of $64.4 billion in second quarter, a decrease of $6 billion (8.5%) from a year ago.

4,771 insured institutions filed Call Reports in second quarter 2022, a decline of 25 institutions from first quarter 2022.

Number of Insured Banks

4,771 insured institutions filed Call Reports in second quarter 2022, a decline of 25 institutions from first quarter 2022.

The Deposit Insurance Fund balance was $124.5 billion on June 30, up $1.4 billion from March 31.

DIF Balance

The Deposit Insurance Fund balance was $124.5 billion on June 30, up $1.4 billion from March 31.

Community banks reported quarterly net income of $7.6 billion, a decrease of 6.5% from a year ago.

Community Bank Quarterly Net Income

Community banks reported quarterly net income of $7.6 billion, a decrease of 6.5% from a year ago.

The reserve ratio – the amount in the DIF relative to insured deposits – increased 3 basis points from the previous quarter.

DIF Reserve Ratio

The reserve ratio – the amount in the DIF relative to insured deposits – increased 3 basis points from the previous quarter.

The number of banks on the FDIC’s “Problem Bank List” is unchanged this quarter.

Number of “Problem Banks”

The number of banks on the FDIC’s “Problem Bank List” is unchanged this quarter.