Skip Header

Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

DEPOSIT INSURANCE FUND TRENDS
FIRST QUARTER 2019

Notes to Users

  • Deposit Insurance Fund Increases by $2.3 Billion
  • Insured Deposits Grow by 2.3 Percent
  • DIF Reserve Ratio Is Unchanged at 1.36 Percent
  • During the first quarter, the Deposit Insurance Fund (DIF) balance increased by $2.3 billion to $104.9 billion. Assessment income of $1.4 billion and interest earned on investments of $507 million were the largest sources of the increase. Unrealized gains on available-for-sale securities of $421 million and a negative provision for insurance losses of $396 million also added to the DIF. Operating expenses of $434 million reduced the fund. No institutions failed during the first quarter of 2019.

    The deposit insurance assessment base—average consolidated total assets minus average tangible equity—increased by 0.8 percent in the first quarter and by 3.3 percent over 12 months.1 2 Total estimated insured deposits increased by 2.3 percent in the quarter and 5.0 percent year over year.

    The strong growth in insured deposits offset the increase in the fund balance, resulting in a DIF reserve ratio of 1.36 percent on March 31, 2019. The reserve ratio was unchanged from December 31, 2018, though it increased year over year by 6 basis points.

    Small banks will receive credits to offset the portion of their assessments that help to raise the reserve ratio from 1.15 percent to 1.35 percent. The total amount of credits to be issued among credit-accruing institutions is $764.7 million. Following each quarter that the reserve ratio is at or above 1.38 percent, the FDIC will automatically apply each small bank’s credits to reduce its regular assessment up to the entire amount of the assessment.

    TABLE I-C. Insurance Fund Balances and Selected Indicators

    DIF Reserve Ratios

    Deposit Insurance Fund Balance and Insured Deposits

    TABLE II-C. Problem Institutions and Failed Institutions

    TABLE III-C. Estimated FDIC-Insured Deposits by Type of Institution

    TABLE IV-C. Distribution of Institutions and Assessment Base by Assessment Rate Range

    Number of FDIC-Insured 'Problem' Institutions

    Assets of FDIC-Insured 'Problem' Institutions


    Footnotes

    1 There are additional adjustments to the assessment base for banker’s banks and custodial banks.

    2 Figures for estimated insured deposits and the assessment base include insured branches of foreign banks, in addition to insured commercial banks and savings institutions.

    Skip Footer back to content