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FDIC Quarterly Banking Profile

TABLE I-C. Insurance Fund Balances and Selected Indicators
(dollar figures in millions) Deposit Insurance Fund*
4th Quarter
2015
3rd Quarter
2015
2nd Quarter
2015
1st Quarter
2015
4th Quarter
2014
3rd Quarter
2014
2nd Quarter
2014
1st Quarter
2014
4th Quarter
2013
3rd Quarter
2013
2nd Quarter
2013
1st Quarter
2013
4th Quarter
2012
Beginning Fund Balance $70,115 $67,589 $65,296 $62,780 $54,320 $51,059 $48,893 $47,191 $40,758 $37,871 $35,742 $32,958 $25,224
Changes in Fund Balance:
Assessments earned 2,160 2,170 2,328 2,189 2,030 2,009 2,224 2,393 2,224 2,339 2,526 2,645 2,937
Interest earned on investment securities 128 122 113 60 70 80 87 45 23 34 54 -9 66
Realized Gain on Sale of Investments 0 0 0 0 0 0 0 0 302 156 0 0 0
Operating expenses 447 410 434 396 408 406 428 422 436 298 439 436 469
Provision for insurance losses -930 -578 -317 -426 -6,787 -1,663 -204 348 -4,588 -539 -33 -499 -3,344
All other income, net of expenses 12 2 3 6 -43 6 6 9 9 46 51 55 1,878
Unrealized gain/(loss) on available-for-sale
securities -298 64 -34 231 24 -91 73 25 -277 71 -96 30 -22
Total fund balance change 2,485 2,526 2,293 2,516 8,460 3,261 2,166 1,702 6,433 2,887 2,129 2,784 7,734
Ending Fund Balance 72,600 70,115 67,589 65,296 62,780 54,320 51,059 48,893 47,191 40,758 37,871 35,742 32,958
Percent change from four quarters earlier 15.64 29.08 32.37 33.55 33.03 33.27 34.82 36.79 43.19 61.58 66.88 133.73 178.67
Reserve Ratio (%) 1.11 1.09 1.06 1.03 1.01 0.88 0.84 0.80 0.79 0.68 0.64 0.60 0.45
Estimated Insured Deposits** 6,539,610 6,421,682 6,350,089 6,352,398 6,211,181 6,141,721 6,109,657 6,120,755 6,010,810 5,967,515 5,951,080 5,999,571 7,405,000
Percent change from four quarters earlier 5.29 4.56 3.94 3.78 3.33 2.92 2.66 2.02 -18.83 -17.67 -15.96 -14.67 6.19
Domestic Deposits 10,949,935 10,695,505 10,629,336 10,616,459 10,408,189 10,213,201 10,099,416 9,962,545 9,825,480 9,631,665 9,424,637 9,454,796 9,474,721
Percent change from four quarters earlier 5.21 4.72 5.25 6.56 5.93 6.04 7.16 5.37 3.70 6.02 5.45 6.85 7.88
Assessment Base*** 13,828,256 13,670,904 13,604,119 13,526,103 13,337,796 13,107,188 12,905,380 12,796,637 12,743,536 12,527,706 12,485,932 12,433,502 12,435,091
Percent change from four quarters earlier 3.68 4.30 5.41 5.70 4.66 4.63 3.36 2.92 2.48 2.05 2.68 1.28 2.27
Number of institutions reporting 6,191 6,279 6,357 6,428 6,518 6,598 6,665 6,739 6,821 6,900 6,949 7,028 7,092

* Quarterly financial statement results are unaudited.

** Beginning in the third quarter of 2009, estimates of insured deposits are based on a $250,000 general coverage limit. The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) temporarily provided unlimited coverage for noninterest-bearing transaction accounts for two years beginning December 31, 2010, and ending December 31, 2012.

*** Average consolidated total assets minus tangible equity, with adjustments for banker's banks and custodial banks.