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Federal Deposit
Insurance Corporation

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

FDIC Quarterly

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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 2008 Volume 2, Number 4

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Quarterly Banking Profile – Third Quarter 2008

FDIC-insured institutions reported net income of $1.7 billion in the third quarter of 2008, a decline of $27.0 billion (94 percent) from the $28.7 billion that the industry earned in the third quarter of 2007. The primary reason for the drop in industry profits was higher provisions for loan losses. While large losses at a few institutions were chiefly responsible for the size of the earnings decline, more than half of all insured institutions (58.4 percent) reported lower net income in the third quarter, and almost one out of four institutions (24.1 percent) reported a net loss.

Insurance Fund Indicators
Estimated insured deposits (based on the basic FDIC insurance limit of $100,000) increased by 1.8 percent in the third quarter. The Deposit Insurance Fund reserve ratio fell to 0.76 percent, and nine FDIC-insured institutions failed during the quarter. The FDIC Board adopted a restoration plan on October 7 that would raise the reserve ratio to 1.15 percent within five years.

Feature Articles:

Do Record Farmland Prices Portend Another Steep Downturn for Agriculture and Farm Banks?
   By Richard D. Cofer, Jr., Jeffrey W. Walser, Troy D. Osborne

The agricultural crisis of the early 1980s remains a vivid memory for many in the farming community. The massive run-up in farmland prices in the late 1970s, followed by the sharp decline in land prices between 1981 and 1992, significantly contributed to the adverse effects on farmers and their lenders. Today, farmland values are rising at a pace reminiscent of the 1970s, raising concerns that another agricultural crisis may occur if land prices decline. This article briefly discusses some of the reasons for recent farmland price increases and analyzes their potential effect on FDIC-insured institutions.
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Highlights from the 2008 Summary of Deposits Data
   By Robert E. Basinger

Each year, the Federal Deposit Insurance Corporation (FDIC) and the Office of Thrift Supervision (OTS) survey all FDIC-insured institutions to collect information on bank and thrift deposits, and operating branches and offices. The resulting FDIC Summary of Deposits (SOD) is a valuable resource for analyzing deposit market trends and measuring concentrations nationally and at the local level. This article highlights some preliminary conclusions from the 2008 SOD data.
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Past Issues

2014

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