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Federal Deposit
Insurance Corporation

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

FDIC Quarterly

The FDIC Quarterly provides a comprehensive summary of the most current financial results for the banking industry, along with feature articles. These articles range from timely analysis of economic and banking trends at the national and regional level that may affect the risk exposure of FDIC-insured institutions to research on issues affecting the banking system and the development of regulatory policy. The FDIC Quarterly brings together data and analysis that were previously available through three retired publications -- the FDIC Outlook, the FDIC Banking Review, and the FYI: An Update on Emerging Issues in Banking. Past issues of these publications are archived under their original publication names.

FDIC Quarterly 2018 Volume 12, Number 3

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Quarterly Banking Profile: Second Quarter 2018

FDIC-insured institutions reported aggregate net income of $60.2 billion in the second quarter of 2018, up $12.1 billion (25.1 percent) from a year ago. The improvement in earnings was attributable to higher net operating revenue and a lower effective tax rate. Of the 5,542 insured institutions reporting second quarter financial results, more than 70 percent reported year-over-year growth in quarterly earnings. The percent of unprofitable banks in the second quarter declined to 3.8 percent from 4.3 percent a year ago.

Community Bank Performance
Community banks—which represent 92 percent of insured institutions—reported net income of $6.5 billion in the second quarter, up $1.1 billion (21.1 percent) from a year earlier. Higher net operating revenue and lower income tax expenses offset an increase in noninterest expense.

Insurance Fund Indicators
The Deposit Insurance Fund (DIF) balance increased by $2.5 billion during the quarter to $97.6 billion on June 30, driven by assessment income. The DIF's reserve ratio (the fund balance as a percent of estimated insured deposits) was 1.33 percent on June 30, 2018, up from 1.30 percent on March 31, 2018, and 1.24 percent on June 30, 2017.


Past Issues

2018

FDIC Quarterly 2018 Volume 12, Number 3
FDIC Quarterly 2018 Volume 12, Number 2
FDIC Quarterly 2018 Volume 12, Number 1

2017

FDIC Quarterly 2017 Volume 11, Number 4
FDIC Quarterly 2017 Volume 11, Number 3
FDIC Quarterly 2017 Volume 11, Number 2
FDIC Quarterly 2017 Volume 11, Number 1

2016

FDIC Quarterly 2016 Volume 10, Number 4
FDIC Quarterly 2016 Volume 10, Number 3
FDIC Quarterly 2016 Volume 10, Number 2
FDIC Quarterly 2016 Volume 10, Number 1

2015

FDIC Quarterly 2015 Volume 9, Number 4
FDIC Quarterly 2015 Volume 9, Number 3
FDIC Quarterly 2015 Volume 9, Number 2
FDIC Quarterly 2015 Volume 9, Number 1

2014

FDIC Quarterly 2014 Volume 8, Number 4
FDIC Quarterly 2014 Volume 8, Number 3
FDIC Quarterly 2014 Volume 8, Number 2
FDIC Quarterly 2014 Volume 8, Number 1

2013

FDIC Quarterly 2013 Volume 7, Number 4
FDIC Quarterly 2013 Volume 7, Number 3
FDIC Quarterly 2013 Volume 7, Number 2
FDIC Quarterly 2013 Volume 7, Number 1

2012

FDIC Quarterly 2012 Volume 6, Number 4
FDIC Quarterly 2012 Volume 6, Number 3
FDIC Quarterly 2012 Volume 6, Number 2
FDIC Quarterly 2012 Volume 6, Number 1

2011

FDIC Quarterly 2011 Volume 5, Number 4
FDIC Quarterly 2011 Volume 5, Number 3
FDIC Quarterly 2011 Volume 5, Number 2
FDIC Quarterly 2011 Volume 5, Number 1

2010

FDIC Quarterly 2010 Volume 4, Number 4
FDIC Quarterly 2010 Volume 4, Number 3
FDIC Quarterly 2010 Volume 4, Number 2
FDIC Quarterly 2010 Volume 4, Number 1

2009

FDIC Quarterly 2009 Volume 3, Number 4
FDIC Quarterly 2009 Volume 3, Number 3
FDIC Quarterly 2009 Volume 3, Number 2
FDIC Quarterly 2009 Volume 3, Number 1

2008

FDIC Quarterly 2008 Volume 2, Number 4
FDIC Quarterly 2008 Volume 2, Number 3
FDIC Quarterly 2008 Volume 2, Number 2
FDIC Quarterly 2008 Volume 2, Number 1

2007

FDIC Quarterly 2007 Volume 1, Number 3
FDIC Quarterly 2007 Volume 1, Number 2
FDIC Quarterly 2007 Volume 1, Number 1


Archived Issues

FDIC Outlook – 1997 thru 2006
FDIC Banking Review – 1995 thru 2006

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