FDIC Header Test Skip Header

Federal Deposit
Insurance Corporation

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

FDIC Quarterly

Subscribe

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 2016 Volume 10, Number 3

- PDF (PDF Help)


Quarterly Banking Profile: Second Quarter 2016

FDIC-insured institutions reported aggregate net income of $43.6 billion in the second quarter of 2016, up $584 million (1.4 percent) from a year earlier. The increase in earnings was mainly attributable to a $5.2 billion (4.8 percent) increase in net interest income and a $981 million decline in expenses for litigation reserves at a few large banks. Banks increased their loan-loss provisions by $3.6 billion (44.2 percent) compared to a year ago, partly in response to rising levels of troubled loans to commercial and industrial borrowers, particularly in the energy sector. Of the 6,058 insured institutions reporting second quarter financial results, 60.1 percent reported year-over-year growth in quarterly earnings. The proportion of banks that were unprofitable in the second quarter fell to 4.5 percent from 5.8 percent a year earlier.

Community Bank Performance
Community banks—which represent 92 percent of insured institutions—reported net income of $5.5 billion in the second quarter, up $451.3 million (9 percent) from the year-earlier quarter. Higher revenue from net interest income and noninterest income was offset in part by higher loan-loss provisions and noninterest expense. Asset quality indicators continued to improve, and community banks accounted for 44 percent of small loans to businesses.

Insurance Fund Indicators
Insured deposits increased by only 0.2 percent in the second quarter of 2016. The DIF reserve ratio (the fund balance as a percent of estimated insured deposits) increased to 1.17 percent in the second quarter of 2016 from 1.13 percent in the prior quarter. Under FDIC regulations, several changes to the assessment system take effect beginning the quarter after the DIF reserve ratio first reaches or exceeds 1.15 percent.


Past Issues

2016

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
FYI: An Update on Emerging Issues in Banking – 2002 thru 2006

Skip Footer back to content