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FDIC Banking Issues in Focus

Last Updated: October 19, 2023

The Banking Issues in Focus provides an in-depth analysis of topical banking issues. 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. These articles are featured in the FDIC Quarterly.

Recent Articles:

Banking Sector Performance During Two Periods of Sharply Higher Interest Rates: 2022 and 2004 to 2006 - PDF
Nafij Ahmed, Dorothy G. Miranda and Krishna Patel
Interest rates rose dramatically in 2022, causing an abrupt shift in banking conditions. The increase in the federal funds target rate in 2022 was the largest and fastest since the 1980s and followed an extended period of low interest rates. Intermediate and longer-term rates also rose but at a slower pace, causing the yield curve to rise and invert. Interest rates affect banks through earnings, lending, funding costs, and the fair value of assets. This article examines the increase in interest rates in 2022 and compares the resulting changes in banking outcomes with changes that occurred during 2004 to 2006 (2004 cycle), when interest rates rose by nearly the same magnitude.

2022 Summary of Deposits Highlights - PDF
Angela Hinton, Michael Hoffman, Caitlyn R. Kasper and Joycelyn Lu
Responses to the Summary of Deposits (SOD) Survey for the year ending June 30, 2022, reflected moderation in deposit growth following extraordinary growth in the years ending June 2020 and June 2021. Total deposits of domestic offices of FDIC-insured institutions increased 5.2 percent during the most recent SOD reporting period.

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