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Federal Deposit
Insurance Corporation

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

Since 1933, no depositor has ever lost a penny of FDIC-insured funds

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 2020 Volume 14, Number 1

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Quarterly Banking Profile: Fourth Quarter 2019

FDIC-insured institutions reported aggregate net income of $55.2 billion during fourth quarter 2019, a decline of $4.1 billion (6.9 percent) from a year ago. The annual decline in quarterly net income was a result of lower net interest income and higher noninterest expenses. About half (45.6 percent) of all banks reported year-over-year declines in net income, and the percentage of unprofitable banks in the fourth quarter remained stable from a year ago at 7.2 percent.

Community Bank Performance
Community banks—which represent 92 percent of insured institutions—reported net income of $6.4 billion in fourth quarter 2019, up $270.3 million (4.4 percent) from fourth quarter 2018. Higher net operating revenue and greater realized gains on securities more than offset growth in noninterest expense.

Insurance Fund Indicators
The Deposit Insurance Fund (DIF) balance increased by $1.4 billion during the quarter to $110.3 billion on December 31, driven by assessment income and interest earned on investments. The DIF reserve ratio (the fund balance as a percent of estimated insured deposits) was 1.41 percent on December 31, 2019, unchanged from September 30, 2019, and up from 1.36 percent on December 31, 2018.

Featured Article:

2019 Summary of Deposits Highlights
The 2019 Summary of Deposits Survey showed an increase in deposits and a decrease in the number of branch offices, continuing recent trends. The reduction in the number of bank offices occurred nationwide, but the number of counties with a banking office has remained relatively stable over the past five years. The rate of decline was faster among offices in metropolitan counties, limited-service offices, and offices with lower reported levels of deposits. This article examines characteristics of the offices of operating banks that close versus those that are sold or leased, and of offices that close versus those that remain open after bank acquisitions. The rate of deposit growth increased for both community and noncommunity banks, but the merger-adjusted or “organic” rate of deposit growth at community banks exceeded that of noncommunity banks for the third consecutive year. For selected topics, comparative information about credit unions is included.


Past Issues

2019

FDIC Quarterly 2019 Volume 13, Number 4
FDIC Quarterly 2019 Volume 13, Number 3
FDIC Quarterly 2019 Volume 13, Number 2
FDIC Quarterly 2019 Volume 13, Number 1

2018

FDIC Quarterly 2018 Volume 12, Number 4
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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