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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

FDIC Third 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) 3rd Quarter
2018
2nd Quarter
2018
1st Quarter
2018
4th Quarter
2017
3rd Quarter
2017
% Change
17Q3-18Q3
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 64 64 65 67 66 -3.0 0 5 19 33 7
Outstanding Principal Balance by Asset Type
1-4 family residential loans $542,310 $560,132 $571,205 $590,211 $606,755 -10.6 $0 $874 $13,892 $91,728 $435,816
Home equity loans 15 16 18 20 21 -28.6 0 0 0 15 0
Credit card receivables 24 26 4,781 4,553 16,114 -99.9 0 0 0 0 24
Auto loans 4,415 4,647 8,221 9,770 10,494 -57.9 0 0 0 4,415 0
Other consumer loans 1,806 1,887 2,914 3,052 3,610 -50.0 0 0 0 804 1,002
Commercial and industrial loans 360 271 381 380 316 13.9 0 0 0 0 360
All other loans, leases, and other assets 68,646 67,948 62,410 60,869 55,105 24.6 0 10 10,351 2,914 55,372
Total securitized and sold 562,500 581,566 649,931 668,855 692,414 -18.8 0 0 0 69,927 492,574
Maximum Credit Exposure by Asset Type
1-4 family residential loans 1,228 1,327 1,527 1,716 1,718 -28.5 0 0 38 826 364
Home equity loans 0 0 0 0 0 0.0 0 0 0 0 0
Credit card receivables 0 0 392 353 1,405 -100.0 0 0 0 0 0
Auto loans 114 125 164 147 161 -29.2 0 0 0 114 0
Other consumer loans 85 82 88 86 87 -2.3 0 0 0 0 85
Commercial and industrial loans 0 0 0 0 0 0.0 0 0 0 0 0
All other loans, leases, and other assets 1,112 1,266 1,194 1,131 908 22.5 0 0 166 0 946
Total credit exposure 2,301 2,565 3,365 3,431 4,279 -46.2 0 0 0 906 1,395
Total unused liquidity commitments provided to institution's own securitizations 226 144 143 215 246 -8.1 0 0 0 21 205
Securitized Loans, Leases, and Other Assets 30-89 Days Past Due (%)
1-4 family residential loans 3.9 3.5 3.2 4.7 4.3   0.0 3.1 0.7 3.2 4.2
Home equity loans 8.9 8.4 9.5 9.7 5.9   0.0 0.0 0.0 8.9 0.0
Credit card receivables 0.0 0.0 0.3 0.3 0.4   0.0 0.0 0.0 0.0 0.0
Auto loans 1.9 1.8 1.6 2.1 1.6   0.0 0.0 0.0 1.9 0.0
Other consumer loans 4.5 4.7 4.5 4.7 4.2   0.0 0.0 0.0 2.8 5.9
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 0.2 0.3 0.3 0.5 0.7   0.0 0.0 0.5 0.9 0.1
Total loans, leases, and other assets 3.6 3.2 2.9 4.2 3.9   0.0 0.0 0.0 2.7 3.7
Securitized Loans, Leases, and Other Assets 90 Days or More Past Due (%)
1-4 family residential loans 1.1 1.2 1.4 1.6 1.3   0.0 2.5 0.7 1.3 1.1
Home equity loans 40.2 42.6 44.1 45.7 47.1   0.0 0.0 0.0 40.2 0.0
Credit card receivables 0.0 0.0 0.2 0.2 0.3   0.0 0.0 0.0 0.0 0.0
Auto loans 0.4 0.4 0.3 0.4 0.3   0.0 0.0 0.0 0.4 0.0
Other consumer loans 4.3 6.0 4.3 4.6 4.2   0.0 0.0 0.0 1.7 6.3
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 0.6 0.7 1.2 1.2 1.2   0.0 0.0 1.4 0.2 0.5
Total loans, leases, and other assets 1.0 1.2 1.4 1.5 1.2   0.0 0.0 0.0 0.9 1.1
Securitized Loans, Leases, and Other Assets Charged-Off (net, YTD, annualized, %)
1-4 family residential loans 0.0 -0.1 -0.1 0.2 0.2   0.0 0.0 0.0 0.0 0.0
Home equity loans 13.9 11.4 4.9 11.7 8.7   0.0 0.0 0.0 13.9 0.0
Credit card receivables 4.2 3.8 0.3 1.2 1.2   0.0 0.0 0.0 0.0 4.2
Auto loans 1.0 0.6 0.4 1.2 0.8   0.0 0.0 0.0 1.0 0.0
Other consumer loans 0.8 0.6 0.3 1.5 1.0   0.0 0.0 0.0 0.6 0.9
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 0.4 0.3 0.0 1.7 1.3   0.0 0.0 0.2 0.3 0.4
Total loans, leases, and other assets 0.1 0.0 -0.1 0.4 0.3   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 0 0 1,730 2,460 8,171 -100.0 0 0 0 0 0
Commercial and industrial loans 361 306 426 463 401 -10.0 0 0 0 0 361
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 477 475 463 509 511 -6.7 13 198 203 55 8
Outstanding Principal Balance by Asset Type
1-4 family residential loans 25,844 24,754 24,532 180,648 26,404 -2.1 126 5,256 12,102 6,453 1,907
All other loans, leases, and other assets 112,296 109,138 106,242 105,171 101,237 10.9 0 20 186 36,343 75,747
Total sold and not securitized 138,141 133,892 130,775 285,819 127,641 8.2 126 5,276 12,288 42,796 77,654
Maximum Credit Exposure by Asset Type
1-4 family residential loans 7,959 7,659 7,987 162,126 7,895 0.8 8 764 3,742 2,603 842
All other loans, leases, and other assets 31,286 30,545 29,602 29,273 28,265 10.7 0 20 47 10,380 20,839
Total credit exposure 39,245 38,205 37,589 191,399 36,160 8.5 8 785 3,789 12,983 21,682
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 24,792 26,570 29,676 32,237 34,334 -27.8 0 0 0 1,236 23,556
Total unused liquidity commitments 1,313 1,031 1,148 1,259 1,298 1.2 0 0 0 323 990
Other
Assets serviced for others** 5,983,945 5,918,821 6,034,526 5,996,478 5,928,748 0.9 4,560 156,077 299,665 1,456,403 4,067,240
Asset-backed commercial paper conduits
Credit exposure to conduits sponsored by institutions and others 16,898 16,069 15,554 16,909 16,618 1.7 0 0 0 0 16,898
Unused liquidity commitments to conduits sponsored by institutions and others 30,447 30,593 29,497 26,928 27,458 10.9 0 0 0 2,676 27,771
Net servicing income (for the quarter) 2,739 2,812 3,655 2,355 2,306 18.8 8 225 191 1,159 1,157
Net securitization income (for the quarter) 64 -49 151 131 395 -83.8 0 1 15 3 45
Total credit exposure to Tier 1 capital (%)*** 3.6 3.7 4.3 13.9 4.6   0.0 0.0 0.0 2.2 6.3

* 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.