Skip Header
U.S. flag

An official website of the United States government

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 3

- PDF (PDF Help)


Quarterly Banking Profile: Second Quarter 2020

FDIC-insured institutions reported aggregate net income of $18.8 billion in second quarter 2020, a decline of $43.7 billion (70.0 percent) from a year ago. The decline in net income reflects a continuation of uncertain economic activity, which drove an increase in provision expenses. Slightly less than half (47.5 percent) of all institutions reported lower net income compared to a year ago. The average return on assets ratio was 0.36 percent for the current quarter, down 102 basis points from a year ago.

Community Bank Performance
Community banks—which represent 91 percent of insured institutions—reported net income growth of 3.2 percent from second quarter 2019. Gains from the sale of loans and securities increased from a year ago and drove the aggregate profitability. More than half of all community banks (53.8 percent) reported higher annual earnings as net income grew $202.5 million to $6.63 billion year over year.

Insurance Fund Indicators
The Deposit Insurance Fund (DIF) balance totaled $114.7 billion in the second quarter, an increase of $1.4 billion from the previous quarter. Assessment income, interest earned on invest¬ments, and a negative provision for insurance losses were the largest contributors to the increase, offset partially by operating expenses and unrealized losses on available-for-sale securities. Solely as a result of extraordinary insured deposit growth, the DIF reserve ratio dropped 9 basis points to 1.30 percent at June 30, 2020, down from 1.39 percent at March 31, 2020, and 1.40 percent at June 30, 2019.


Past Issues

2020

FDIC Quarterly 2020 Volume 14, Number 2
FDIC Quarterly 2020 Volume 14, Number 1

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