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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

FDIC Fourth Quarter of 2018 Banking Profile - All FDIC-Insured Institutions
Table VII-A. Servicing, Securitization and Asset Sales Activities (All FDIC-Insured Call Report Filers)*
(dollar figures in millions) 4th Quarter
2018
3rd Quarter
2018
2nd Quarter
2018
1st Quarter
2018
4th Quarter
2017
% Change
17Q4-18Q4
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 Sold and Securitized with Servicing Retained or with Recourse or Other Seller-Provided Credit Enhancements
Number of institutions reporting securitization activities 64 64 64 65 67 -4.5 0 6 17 34 7
Outstanding Principal Balance by Asset Type
1-4 family residential loans $520,047 $542,310 $560,132 $571,205 $590,211 -11.9 $0 $1,400 $13,468 $90,974 $414,205
Home equity loans 14 15 16 18 20 -30.0 0 0 0 14 0
Credit card receivables 22 24 26 4,781 4,553 -99.5 0 0 0 0 22
Auto loans 3,710 4,415 4,647 8,221 9,770 -62.0 0 0 0 3,710 0
Other consumer loans 1,738 1,806 1,887 2,914 3,052 -43.1 0 0 0 766 972
Commercial and industrial loans 453 360 271 381 380 19.2 0 0 0 0 453
All other loans, leases, and other assets 71,416 68,646 67,948 62,410 60,869 17.3 0 9 10,123 3,133 58,151
Total securitized and sold 543,560 562,500 581,566 649,931 668,855 -18.7 0 0 0 69,758 473,803
Maximum Credit Exposure by Asset Type
1-4 family residential loans 1,102 1,228 1,327 1,527 1,716 -35.8 0 0 48 800 254
Home equity loans 0 0 0 0 0 0.0 0 0 0 0 0
Credit card receivables 0 0 0 392 353 -100.0 0 0 0 0 0
Auto loans 104 114 125 164 147 -29.3 0 0 0 104 0
Other consumer loans 86 85 82 88 86 0.0 0 0 0 0 86
Commercial and industrial loans 0 0 0 0 0 0.0 0 0 0 0 0
All other loans, leases, and other assets 1,208 1,112 1,266 1,194 1,131 6.8 0 0 166 30 1,011
Total credit exposure 2,221 2,301 2,565 3,365 3,431 -35.3 0 0 0 870 1,351
Total unused liquidity commitments provided to institution's own securitizations 213 226 144 143 215 -0.9 0 0 0 34 179
Securitized Loans, Leases, and Other Assets 30-89 Days Past Due (%)
1-4 family residential loans 3.6 3.9 3.5 3.2 4.7   0.0 3.3 0.9 2.8 3.8
Home equity loans 8.0 8.9 8.4 9.5 9.7   0.0 0.0 0.0 8.0 0
Credit card receivables 0.0 0.0 0.0 0.3 0.3   0.0 0.0 0.0 0.0 0
Auto loans 2.6 1.9 1.8 1.6 2.1   0.0 0.0 0.0 2.6 0
Other consumer loans 4.2 4.5 4.7 4.5 4.7   0.0 0.0 0.0 2.8 5.3
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 0.2 0.2 0.3 0.3 0.5   0.0 0.0 0.6 0.8 0.1
Total loans, leases, and other assets 3.3 3.6 3.2 2.9 4.2   0.0 0.0 0.0 2.5 3.4
Securitized Loans, Leases, and Other Assets 90 Days or More Past Due (%)
1-4 family residential loans 1.1 1.1 1.2 1.4 1.6   0.0 1.4 0.8 1.2 1.1
Home equity loans 39.0 40.2 42.6 44.1 45.7   0.0 0.0 0.0 39.0 0
Credit card receivables 0.0 0.0 0.0 0.2 0.2   0.0 0.0 0.0 0.0 0
Auto loans 0.5 0.4 0.4 0.3 0.4   0.0 0.0 0.0 0.5 0
Other consumer loans 4.3 4.3 6.0 4.3 4.6   0.0 0.0 0.0 2.0 6.1
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 0.5 0.6 0.7 1.2 1.2   0.0 0.0 1.3 0.2 0.4
Total loans, leases, and other assets 1.0 1.0 1.2 1.4 1.5   0.0 0.0 0.0 0.8 1
Securitized Loans, Leases, and Other Assets Charged-Off (net, YTD, annualized, %)
1-4 family residential loans 0.1 0.0 -0.1 -0.1 0.2   0.0 0.0 0.0 0.0 0.1
Home equity loans 18.2 13.9 11.4 4.9 11.7   0.0 0.0 0.0 18.2 0
Credit card receivables 9.1 4.2 3.8 0.3 1.2   0.0 0.0 0.0 0.0 9.1
Auto loans 1.4 1.0 0.6 0.4 1.2   0.0 0.0 0.0 1.4 0
Other consumer loans 1.0 0.8 0.6 0.3 1.5   0.0 0.0 0.0 0.8 1.2
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 1.1 0.4 0.3 0.0 1.7   0.0 0.0 0.3 0.4 1.3
Total loans, leases, and other assets 0.2 0.1 0.0 -0.1 0.4   0.0 0.0 0.0 0.1 0.2
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 0 0 0 1,730 2,460 -100.0 0 0 0 0 0
Commercial and industrial loans 427 361 306 426 463 -7.8 0 0 0 0 427
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 470 476 474 463 509 -7.7 13 191 202 56 8
Outstanding Principal Balance by Asset Type
1-4 family residential loans 26,279 25,814 24,721 24,532 180,694 -85.5 133 5,007 12,470 6,848 1,821
All other loans, leases, and other assets 116,464 112,296 109,138 106,242 105,171 10.7 0 20 175 38,134 78,135
Total sold and not securitized 142,743 138,110 133,859 130,775 285,865 -50.1 133 5,028 12,645 44,982 79,956
Maximum Credit Exposure by Asset Type
1-4 family residential loans 7,658 7,929 7,626 7,987 162,172 -95.3 8 523 3,712 2,610 804
All other loans, leases, and other assets 32,793 31,286 30,545 29,602 29,273 12.0 0 20 44 11,072 21,656
Total credit exposure 40,450 39,215 38,171 37,589 191,445 -78.9 8 544 3,756 13,682 22,460
Support for Securitization Facilities Sponsored by Other Institutions
Number of institutions reporting securitization facilities sponsored by others 0 0 0 0 0 0.0 0 0 0 0 0
Total credit exposure 23,013 24,792 26,570 29,676 32,237 -28.6 0 0 0 1,389 21,624
Total unused liquidity commitments 604 1,313 1,031 1,148 1,259 -52.0 0 0 0 295 309
Other
Assets serviced for others** 6,060,797 5,984,061 5,918,788 6,034,597 5,996,478 1.1 4,175 156,474 302,651 1,531,179 4,066,318
Asset-backed commercial paper conduits
Credit exposure to conduits sponsored by institutions and others 17,366 16,898 16,069 15,554 16,909 2.7 0 0 0 0 17,366
Unused liquidity commitments to conduits sponsored by institutions and others 31,491 30,447 30,593 29,497 26,928 16.9 0 0 0 2,537 28,954
Net servicing income (for the quarter) 1,504 2,740 2,812 3,655 2,355 -36.1 7 221 151 825 300
Net securitization income (for the quarter) 65 64 -49 151 131 -50.4 0 1 2 3 59
Total credit exposure to Tier 1 capital (%)*** 3.50 3.60 3.70 4.30 13.90   0.00 0.00 0.00 2.30 6.10

* 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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