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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Quarterly Banking Profile

Table VII-A Servicing, Securitization and Asset Sales Activities, All FDIC-Insured Commercial Banks and State Chartered Savings Banks
(dollar figures in millions) 3rd Quarter
2016
2nd Quarter
2016
1st Quarter
2016
4th Quarter
2015
3rd Quarter
2015
% Change
15Q3-16Q3
Asset Size Distribution
Less
Than $100
Million
$100 Million
To
$1 Billion
$1 Billion
To
$10 Billion
$10 Billion
To
$250 Billion
Greater
Than $250
Billion
Assets Securitized and Sold with Servicing Retained or with Recourse or Other Seller-Provided Credit Enhancements
Number of institutions reporting securitization activities 76 75 74 73 72 5.6 0 18 17 34 7
Outstanding Principal Balance by Asset Type
1-4 family residential loans $668,418 $687,085 $704,676 $715,914 $734,519 -9.0 $0 $2,117 $11,549 $85,785 $568,966
Home equity loans 27 29 29 30 31 -12.9 0 0 0 27 0
Credit card receivables 13,491 13,485 13,400 13,502 14,187 -4.9 0 0 0 13,397 94
Auto loans 11,024 8,935 5,604 6,095 6,221 77.2 0 0 2,269 8,755 0
Other consumer loans 4,733 4,908 5,093 5,286 4,754 -0.4 0 1 0 2,445 2,287
Commercial and industrial loans 166 169 204 15 14 1085.7 0 6 0 0 160
All other loans, leases, and other assets 65,387 71,246 74,712 79,844 86,277 -24.2 0 94 8,187 515 56,591
Total securitized and sold 763,246 785,857 803,719 820,686 846,005 -9.8 0 2,218 22,005 110,925 628,098
Maximum Credit Exposure by Asset Type
1-4 family residential loans 2,114 2,514 2,617 2,840 2,933 -27.9 0 4 0 1,388 723
Home equity loans 0 0 0 0 0 0.0 0 0 0 0 0
Credit card receivables 1,209 1,207 1,152 1,108 1,187 1.9 0 0 0 1,209 0
Auto loans 436 0 0 0 0 0.0 0 0 0 436 0
Other consumer loans 96 91 86 89 89 7.9 0 0 0 0 96
Commercial and industrial loans 0 0 0 0 0 0.0 0 0 0 0 0
All other loans, leases, and other assets 841 971 902 990 1,319 -36.2 0 0 0 4 837
Total credit exposure 4,696 4,783 4,757 5,026 5,528 -15.1 0 4 0 3,037 1,656
Total unused liquidity commitments provided to institution's own securitizations 140 138 73 36 37 278.4 0 0 0 0 140
Securitized Loans, Leases, and Other Assets 30-89 Days Past Due (%)
1-4 family residential loans 3.7 3.6 3.1 3.9 3.8   0.0 1.2 1.4 3.1 3.8
Home equity loans 5.5 8.6 6.2 5.4 5.9   0.0 0.0 0.0 5.5 0
Credit card receivables 0.4 0.3 0.4 0.4 0.4   0.0 0.0 0.0 0.4 1.1
Auto loans 1.5 1.3 1.2 1.5 1.1   0.0 0.0 2.5 1.2 0
Other consumer loans 4.4 3.8 3.8 3.9 4.3   0.0 0.0 0.0 1.9 7.2
Commercial and industrial loans 0.0 0.0 0.0 0.0 0.0   0.0 0.0 0.0 0.0 0
All other loans, leases, and other assets 0.4 0.4 0.5 0.5 0.3   0.0 3.2 0.4 0.9 0.4
Total loans, leases, and other assets 3.3 3.3 2.8 3.5 3.3   0.0 1.3 1.2 2.6 3.5
Securitized Loans, Leases, and Other Assets 90 Days or More Past Due (%)
1-4 family residential loans 1.5 1.6 1.6 2.0 2.1   0.0 1.1 0.5 1.3 1.5
Home equity loans 47.4 45.5 47.3 47.8 47.4   0.0 0.0 0.0 47.4 0
Credit card receivables 0.3 0.3 0.3 0.3 0.3   0.0 0.0 0.0 0.3 1.1
Auto loans 0.3 0.2 0.2 0.2 0.2   0.0 0.0 0.5 0.2 0
Other consumer loans 3.8 3.6 3.9 3.9 4.4   0.0 0.0 0.0 0.9 6.8
Commercial and industrial loans 0.0 0.1 0.1 1.0 1.2   0.0 0.0 0.0 0.0 0
All other loans, leases, and other assets 1.5 1.3 1.4 1.2 1.2   0.0 9.2 0.3 1.5 1.6
Total loans, leases, and other assets 1.4 1.5 1.6 1.9 2.0   0.0 1.5 0.4 1.1 1.5
Securitized Loans, Leases, and Other Assets Charged-Off (net, YTD, annualized, %)
1-4 family residential loans 0.2 0.2 0.1 0.4 0.3   0.0 0.1 0.0 0.0 0.3
Home equity loans 3.6 2.2 1.0 5.2 3.2   0.0 0.0 0.0 3.6 0
Credit card receivables 3.7 3.4 3.0 1.8 1.4   0.0 0.0 0.0 3.7 3.2
Auto loans 0.5 0.3 0.3 0.4 0.2   0.0 0.0 1.1 0.4 0
Other consumer loans 0.7 0.5 0.2 0.8 0.6   0.0 0.0 0.0 0.6 0.8
Commercial and industrial loans 0.0 0.0 0.0 0.0 0.0   0.0 0.0 0.0 0.0 0
All other loans, leases, and other assets 0.3 0.4 0.1 0.6 0.5   0.0 0.0 0.0 0.1 0.4
Total loans, leases, and other assets 0.3 0.2 0.1 0.4 0.3   0.0 0.1 0.1 0.5 0.3
Seller's Interests in Institution's Own Securitizations - Carried as Loans
Home equity loans 0 0 0 0 0 0.0 0 0 0 0 0
Credit card receivables 11,355 11,954 12,811 15,059 13,248 -14.3 0 0 0 11,355 0
Commercial and industrial loans 216 219 268 0 0 N/M 0 0 0 0 216
Seller's Interests in Institution's Own Securitizations - Carried as Securities
Home equity loans 0 0 0 0 0 0.0 0 0 0 0 0
Credit card receivables 0 0 0 0 0 0.0 0 0 0 0 0
Commercial and industrial loans 0 0 0 0 0 0.0 0 0 0 0 0
Assets Sold with Recourse and Not Securitized
Number of institutions reporting asset sales 1,078 1,088 1,091 1,089 1,099 -1.9 112 726 184 48 8
Outstanding Principal Balance by Asset Type
1-4 family residential loans 37,751 36,579 36,826 38,602 39,013 -3.2 1,296 16,533 8,793 4,819 6,310
Home equity, credit card receivables, auto, and other consumer loans 626 634 684 712 714 -12.3 0 3 42 32 549
Commercial and industrial loans 339 340 271 215 217 56.2 0 18 136 160 24
All other loans, leases, and other assets 84,258 80,687 79,266 73,499 72,201 16.7 0 17 1,170 21,679 61,392
Total sold and not securitized 122,974 118,240 117,047 113,028 112,145 9.7 1,296 16,571 10,142 26,690 68,275
Maximum Credit Exposure by Asset Type
1-4 family residential loans 10,997 10,833 9,503 10,037 10,495 4.8 83 3,329 3,371 2,813 1,402
Home equity, credit card receivables, auto, and other consumer loans 148 134 161 163 134 10.4 0 3 19 2 124
Commercial and industrial loans 183 186 181 151 154 18.8 0 18 5 160 0
All other loans, leases, and other assets 23,286 22,193 21,684 20,138 19,655 18.5 0 14 59 6,614 16,598
Total credit exposure 34,615 33,346 31,529 30,489 30,438 13.7 83 3,364 3,454 9,589 18,124
Support for Securitization Facilities Sponsored by Other Institutions
Number of institutions reporting securitization facilities sponsored by others 104 109 110 111 110 -5.5 7 56 22 13 6
Total credit exposure 40,187 42,341 41,078 41,500 42,211 -4.8 8 137 231 2,481 37,331
Total unused liquidity commitments 1,411 2,853 1,387 834 884 59.6 0 14 2 701 695
Other
Assets serviced for others* 0 0 0 0 0 0.0 0 0 0 0 0
Asset-backed commercial paper conduits
Credit exposure to conduits sponsored by institutions and others 23,084 21,665 18,378 13,980 12,020 92.0 0 0 0 0 23,084
Unused liquidity commitments to conduits sponsored by institutions and others 24,417 24,287 26,866 29,257 27,631 -11.6 0 0 6 2,586 21,825
Net servicing income (for the quarter) 2,673 1,166 864 3,328 1,040 157.0 7 266 159 842 1,401
Net securitization income (for the quarter) 287 181 203 250 348 -17.5 0 10 11 194 73
Total credit exposure to Tier 1 capital (%)** 5.1 5.3 5.1 5.2 5.3   0.8 2.8 2.1 3.0 7.8

*The amount of financial assets serviced for others, other than closed-end 1-4 family residential mortgages, is reported when these assets are greater than $10 million.

**Total credit exposure includes the sum of the three line items titled Total credit exposure reported above.

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