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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 (FDIC-Insured Call Report Filers)*
(dollar figures in millions) 1st Quarter
2017
4th Quarter
2016
3rd Quarter
2016
2nd Quarter
2016
1st Quarter
2016
% Change
16Q1-17Q1
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 66 75 74 74 73 -9.6 0 6 19 34 7
Outstanding Principal Balance by Asset Type
1-4 family residential loans $634,357 $643,700 $668,378 $687,192 $704,679 -10.0 $0 $1,658 $13,347 $86,820 $532,533
Home equity loans 24 25 27 29 29 -17.2 0 0 0 24 0
Credit card receivables 16,406 12,879 13,491 13,485 13,400 22.4 0 0 0 16,357 49
Auto loans 12,158 11,543 11,024 8,935 5,604 117.0 0 0 2,200 9,959 0
Other consumer loans 3,955 4,576 4,732 4,907 5,092 -22.3 0 0 0 2,261 1,694
Commercial and industrial loans 312 276 161 164 200 56.0 0 0 0 0 312
All other loans, leases, and other assets 56,771 64,170 64,843 70,678 74,114 -23.4 0 0 8,674 1,462 46,635
Total securitized and sold 723,984 737,169 762,656 785,391 803,118 -9.9 0 1,658 24,220 116,883 581,222
Maximum Credit Exposure by Asset Type
1-4 family residential loans 1,906 2,056 2,114 2,080 2,162 -11.8 0 17 0 1,281 608
Home equity loans 0 0 0 0 0 0.0 0 0 0 0 0
Credit card receivables 1,443 1,162 1,209 1,207 1,152 25.3 0 0 0 1,443 0
Auto loans 125 428 436 0 0 0.0 0 0 0 125 0
Other consumer loans 100 97 96 91 86 16.3 0 0 0 0 100
Commercial and industrial loans 0 0 0 0 0 0.0 0 0 0 0 0
All other loans, leases, and other assets 875 1,142 838 971 898 -2.6 0 0 51 0 824
Total credit exposure 4,448 4,884 4,693 4,349 4,298 3.5 0 17 51 2,849 1,532
Total unused liquidity commitments provided to institution's own securitizations 142 175 140 138 73 94.5 0 0 0 22 120
Securitized Loans, Leases, and Other Assets 30-89 Days Past Due (%)
1-4 family residential loans 3.0 4.1 3.7 3.6 3.1   0.0 1.2 1.1 2.6 3.1
Home equity loans 5.6 6.9 5.5 8.6 6.2   0.0 0.0 0.0 5.6 0.0
Credit card receivables 0.4 0.4 0.4 0.4 0.4   0.0 0.0 0.0 0.4 2.0
Auto loans 1.2 1.7 1.5 1.3 1.2   0.0 0.0 2.6 0.9 0.0
Other consumer loans 4.0 4.6 4.5 3.8 3.8   0.0 0.0 0.0 1.9 6.8
Commercial and industrial loans 0.0 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 1.0 0.7 0.4 0.4 0.5   0.0 0.0 0.0 0.1 1.1
Total loans, leases, and other assets 2.7 3.7 3.3 3.3 2.8   0.0 1.2 0.9 2.1 2.9
Securitized Loans, Leases, and Other Assets 90 Days or More Past Due (%)
1-4 family residential loans 1.4 1.5 1.5 1.6 1.6   0.0 1.0 0.5 1.1 1.4
Home equity loans 47.8 47.1 47.4 45.5 47.3   0.0 0.0 0.0 47.8 0.0
Credit card receivables 0.3 0.3 0.3 0.3 0.3   0.0 0.0 0.0 0.3 2.0
Auto loans 0.3 0.3 0.3 0.2 0.3   0.0 0.0 0.6 0.2 0.0
Other consumer loans 4.1 4.2 3.8 3.6 3.9   0.0 0.0 0.0 0.9 8.3
Commercial and industrial loans 0.0 0.0 0.0 0.1 0.1   0.0 0.0 0.0 0.0 0.0
All other loans, leases, and other assets 1.6 1.3 1.5 1.3 1.4   0.0 0.0 0.4 0.0 1.9
Total loans, leases, and other assets 1.4 1.4 1.4 1.5 1.6   0.0 1.0 0.5 0.9 1.5
Securitized Loans, Leases, and Other Assets Charged-Off (net, YTD, annualized, %)
1-4 family residential loans 0.1 0.3 0.2 0.2 0.1   0.0 0.0 0.0 0.0 0.1
Home equity loans 2.6 6.9 3.6 2.2 1.0   0.0 0.0 0.0 2.6 0.0
Credit card receivables 0.4 4.2 3.7 3.4 3.0   0.0 0.0 0.0 0.4 2.0
Auto loans 0.2 0.7 0.5 0.3 0.3   0.0 0.0 0.5 0.2 0.0
Other consumer loans 0.4 1.0 0.7 0.5 0.2   0.0 0.0 0.0 0.2 0.6
Commercial and industrial loans 0.0 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 0.5 0.5 0.3 0.3 0.1   0.0 0.0 0.0 0.0 0.6
Total loans, leases, and other assets 0.1 0.4 0.3 0.3 0.1   0.0 0.0 0.0 0.1 0.1
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 8,080 13,335 11,355 11,954 12,811 -36.9 0 0 0 8,080 0
Commercial and industrial loans 365 327 216 219 268 36.2 0 0 0 0 365
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 574 1,066 1,079 1,089 1,092 -47.4 30 299 188 49 8
Outstanding Principal Balance by Asset Type
1-4 family residential loans 25,872 38,320 37,792 36,609 36,852 -29.8 250 7,285 8,921 4,759 4,658
Home equity, credit card receivables, auto, and other consumer loans 564 580 626 634 684 -17.5 0 1 27 23 512
Commercial and industrial loans 230 364 339 340 271 -15.1 0 13 40 154 23
All other loans, leases, and other assets 93,140 89,265 84,258 80,687 79,266 17.5 0 17 151 28,749 64,223
Total sold and not securitized 119,806 128,528 123,015 118,270 117,073 2.3 250 7,316 9,139 33,685 69,416
Maximum Credit Exposure by Asset Type
1-4 family residential loans 7,610 10,883 11,033 10,863 9,529 -20.1 13 831 3,140 2,439 1,186
Home equity, credit card receivables, auto, and other consumer loans 153 147 148 134 161 -5.0 0 1 26 2 123
Commercial and industrial loans 175 308 183 186 181 -3.3 0 13 8 154 0
All other loans, leases, and other assets 25,918 25,036 23,286 22,193 21,684 19.5 0 17 41 8,391 17,470
Total credit exposure 33,856 36,374 34,651 33,376 31,555 7.3 13 863 3,216 10,986 18,779
Support for Securitization Facilities Sponsored by Other Institutions
Number of institutions reporting securitization facilities sponsored by others 64 104 104 109 110 -41.8 1 23 21 13 6
Total credit exposure 35,130 35,264 40,190 42,341 41,082 -14.5 0 40 214 2,205 32,671
Total unused liquidity commitments 1,118 1,131 1,411 2,853 1,387 -19.4 0 13 0 491 614
Other
Assets serviced for others** 5,923,340 5,981,964 5,962,395 5,996,359 6,012,968 -1.5 4,704 212,847 309,802 1,279,879 4,116,107
Asset-backed commercial paper conduits
Credit exposure to conduits sponsored by institutions and others 17,521 21,720 23,084 21,665 18,378 -4.7 0 0 0 0 17,521
Unused liquidity commitments to conduits sponsored by institutions and others 25,784 21,832 24,417 24,287 26,866 -4.0 0 0 6 1,910 23,868
Net servicing income (for the quarter) 2,827 5,039 2,647 1,174 882 220.5 8 268 202 1,090 1,259
Net securitization income (for the quarter) 365 228 287 181 203 79.8 0 7 9 297 52
Total credit exposure to Tier 1 capital (%)*** 4.7 4.9 5.1 5.2 5.1   0.1 0.7 1.9 3.0 7.3

* Does not include banks filing the FFIEC 051 report form, which was introduced in first quarter 2017.

** 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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