|
||||
| Advanced Search | ||||
|
|
|
|
||||||||||
|
|||||||||||||
|
|||||||||||||
| FDIC - Quarterly Banking Profile |
| Table VII-A Servicing, Securitization and Asset Sales Activities, All FDIC-Insured Commercial Banks and State Chartered Savings Banks | |||||||||||
| (dollar figures in millions) | 1st Quarter 2008 |
4th Quarter 2007 |
3rd Quarter 2007 |
2nd Quarter 2007 |
1st Quarter 2007 |
% Change 07:1-08:1 |
Asset Size Distribution | ||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Less Than $100 Million |
$100 Million To $1 Billion |
$1 Billion To $10 Billion |
Greater Than $10 Billion |
||||||||
| Assets Securitized and Sold with Servicing Retained or with Recourse or Other Seller-Provided Credit Enhancements | |||||||||||
| Number of institutions reporting securitization activities | 135 | 127 | 125 | 128 | 128 | 5.5 | 16 | 57 | 23 | 39 | |
| Outstanding Principal Balance by Asset Type | |||||||||||
| 1-4 family residential loans | $1,068,680 | $1,139,383 | $1,110,884 | $1,118,504 | $1,087,482 | -1.7 | $36 | $476 | $8,841 | $1,059,327 | |
| Home equity loans | 8,341 | 9,353 | 9,894 | 10,640 | 9,339 | -10.7 | 0 | 0 | 160 | 8,181 | |
| Credit card receivables | 402,171 | 390,035 | 379,662 | 372,481 | 367,796 | 9.3 | 0 | 2,848 | 11,548 | 387,775 | |
| Auto loans | 7,495 | 9,019 | 10,433 | 12,547 | 14,132 | -47.0 | 0 | 0 | 269 | 7,226 | |
| Other consumer loans | 27,787 | 28,542 | 29,386 | 27,396 | 27,737 | 0.2 | 0 | 0 | 2 | 27,785 | |
| Commercial and industrial loans | 12,556 | 14,469 | 16,183 | 13,489 | 12,385 | 1.4 | 0 | 59 | 5,304 | 7,193 | |
| All other loans, leases, and other assets* | 197,091 | 193,875 | 184,941 | 162,434 | 150,404 | 31.0 | 10 | 323 | 541 | 196,218 | |
| Total securitized and sold | 1,724,123 | 1,784,676 | 1,741,383 | 1,717,491 | 1,669,276 | 3.3 | 46 | 3,706 | 26,667 | 1,693,704 | |
| Maximum Credit Exposure by Asset Type | |||||||||||
| 1-4 family residential loans | 7,120 | 7,020 | 6,874 | 6,535 | 5,955 | 19.6 | 12 | 78 | 117 | 6,913 | |
| Home equity loans | 1,752 | 2,000 | 2,336 | 2,402 | 2,354 | -25.6 | 0 | 0 | 8 | 1,745 | |
| Credit card receivables | 21,412 | 19,629 | 19,120 | 18,711 | 17,685 | 21.1 | 0 | 143 | 844 | 20,425 | |
| Auto loans | 405 | 380 | 426 | 555 | 628 | -35.5 | 0 | 0 | 21 | 385 | |
| Other consumer loans | 1,406 | 1,379 | 2,114 | 1,768 | 1,861 | -24.4 | 0 | 0 | 0 | 1,406 | |
| Commercial and industrial loans | 276 | 603 | 720 | 610 | 658 | -58.1 | 0 | 21 | 84 | 171 | |
| All other loans, leases, and other assets | 3,228 | 3,733 | 4,578 | 1,053 | 1,052 | 206.8 | 10 | 260 | 32 | 2,926 | |
| Total credit exposure | 35,601 | 34,743 | 36,169 | 31,633 | 30,193 | 17.9 | 22 | 503 | 1,106 | 33,970 | |
| Total unused liquidity commitments provided to institution's own securitizations | 2,944 | 4,686 | 5,095 | 5,667 | 6,116 | -51.9 | 0 | 0 | 0 | 2,944 | |
| Securitized Loans, Leases, and Other Assets 30-89 Days Past Due (%) | |||||||||||
| 1-4 family residential loans | 2.5 | 2.7 | 2.7 | 2.6 | 2.1 | 0.0 | 0.1 | 8.2 | 2.5 | ||
| Home equity loans | 0.7 | 0.8 | 0.7 | 0.6 | 0.7 | 0.0 | 0.0 | 2.4 | 0.7 | ||
| Credit card receivables | 2.2 | 2.2 | 2.2 | 1.9 | 1.9 | 0.0 | 1.2 | 1.5 | 2.3 | ||
| Auto loans | 1.9 | 2.5 | 2.0 | 1.7 | 1.5 | 0.0 | 0.0 | 0.7 | 1.9 | ||
| Other consumer loans | 2.5 | 3.1 | 2.8 | 2.8 | 2.4 | 0.0 | 0.0 | 0.0 | 2.5 | ||
| Commercial and industrial loans | 1.2 | 1.0 | 0.9 | 0.5 | 0.6 | 0.0 | 0.0 | 2.8 | 0.1 | ||
| All other loans, leases, and other assets | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.0 | 0.0 | 0.1 | 0.1 | ||
| Total loans, leases, and other assets | 2.2 | 2.3 | 2.3 | 2.1 | 1.9 | 0.0 | 0.9 | 4.0 | 2.1 | ||
| Securitized Loans, Leases, and Other Assets 90 Days or More Past Due (%) | |||||||||||
| 1-4 family residential loans | 2.0 | 1.6 | 1.2 | 1.2 | 1.1 | 7.4 | 0.0 | 28.4 | 1.8 | ||
| Home equity loans | 0.7 | 0.5 | 0.4 | 0.3 | 0.4 | 0.0 | 0.0 | 1.5 | 0.7 | ||
| Credit card receivables | 2.1 | 1.9 | 1.7 | 1.6 | 1.8 | 0.0 | 1.1 | 1.4 | 2.1 | ||
| Auto loans | 0.3 | 0.4 | 0.2 | 0.2 | 0.2 | 0.0 | 0.0 | 0.1 | 0.3 | ||
| Other consumer loans | 2.3 | 2.4 | 2.1 | 2.1 | 2.0 | 0.0 | 0.0 | 0.0 | 2.3 | ||
| Commercial and industrial loans | 1.1 | 0.9 | 0.7 | 0.6 | 0.5 | 0.0 | 0.0 | 2.5 | 0.1 | ||
| All other loans, leases, and other assets | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 | 0.2 | ||
| Total loans, leases, and other assets | 1.8 | 1.5 | 1.2 | 1.2 | 1.2 | 5.8 | 0.9 | 10.5 | 1.7 | ||
| Securitized Loans, Leases, and Other Assets Charged-Off (net, YTD, annualized, %) | |||||||||||
| 1-4 family residential loans | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1.2 | 0.0 | ||
| Home equity loans | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.4 | 0.1 | ||
| Credit card receivables | 1.4 | 4.4 | 3.3 | 2.2 | 1.1 | 0.0 | 1.1 | 1.0 | 1.4 | ||
| Auto loans | 0.4 | 1.2 | 0.8 | 0.5 | 0.3 | 0.0 | 0.0 | 0.1 | 0.4 | ||
| Other consumer loans | 0.2 | 1.3 | 1.1 | 0.7 | 0.4 | 0.0 | 0.0 | 0.0 | 0.2 | ||
| Commercial and industrial loans | 0.9 | 2.0 | 1.2 | 0.7 | 0.4 | 0.0 | 0.0 | 2.0 | 0.0 | ||
| All other loans, leases, and other assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||
| Total loans, leases, and other assets | 0.4 | 1.1 | 0.8 | 0.5 | 0.3 | 0.0 | 0.8 | 1.2 | 0.3 | ||
| Seller's Interests in Institution's Own Securitizations - Carried as Loans | |||||||||||
| Home equity loans | 282 | 347 | 494 | 651 | 671 | -58.0 | 0 | 0 | 0 | 282 | |
| Credit card receivables | 73,418 | 86,748 | 77,451 | 73,405 | 61,569 | 19.2 | 0 | 215 | 3,868 | 69,335 | |
| Commercial and industrial loans | 3,263 | 7,671 | 6,018 | 2,843 | 2,863 | 14.0 | 0 | 0 | 774 | 2,489 | |
| Seller's Interests in Institution's Own Securitizations - Carried as Securities | |||||||||||
| Home equity loans | 9 | 9 | 10 | 10 | 10 | -10.0 | 0 | 0 | 0 | 9 | |
| Credit card receivables | 377 | 436 | 374 | 327 | 281 | 34.2 | 0 | 23 | 353 | 0 | |
| Commercial and industrial loans | 1 | 2 | 6 | 9 | 1 | 0.0 | 0 | 0 | 0 | 1 | |
| Assets Sold with Recourse and Not Securitized | |||||||||||
| Number of institutions reporting asset sales | 758 | 758 | 748 | 738 | 731 | 3.7 | 148 | 460 | 106 | 44 | |
| Outstanding Principal Balance by Asset Type | |||||||||||
| 1-4 family residential loans | 60,378 | 57,611 | 57,400 | 55,168 | 55,723 | 8.4 | 951 | 7,357 | 3,045 | 49,026 | |
| Home equity, credit card receivables, auto, and other consumer loans | 1,886 | 637 | 775 | 603 | 1,906 | -1.0 | 1 | 23 | 3 | 1,860 | |
| Commercial and industrial loans | 4,579 | 4,728 | 5,302 | 7,708 | 8,198 | -44.1 | 0 | 160 | 83 | 4,336 | |
| All other loans, leases, and other assets | 26,105 | 24,082 | 21,509 | 8,035 | 8,103 | 222.2 | 2 | 93 | 519 | 25,491 | |
| Total sold and not securitized | 92,949 | 87,058 | 84,986 | 71,515 | 73,931 | 25.7 | 954 | 7,633 | 3,650 | 80,713 | |
| Maximum Credit Exposure by Asset Type | |||||||||||
| 1-4 family residential loans | 14,088 | 14,779 | 15,885 | 14,551 | 13,831 | 1.9 | 129 | 1,437 | 2,177 | 10,345 | |
| Home equity, credit card receivables, auto, and other consumer loans | 165 | 604 | 742 | 575 | 1,871 | -91.2 | 0 | 5 | 2 | 158 | |
| Commercial and industrial loans | 3,335 | 3,393 | 3,671 | 4,453 | 4,543 | -26.6 | 0 | 157 | 83 | 3,095 | |
| All other loans, leases, and other assets | 7,204 | 6,968 | 6,299 | 2,226 | 2,260 | 218.8 | 1 | 14 | 127 | 7,062 | |
| Total credit exposure | 24,793 | 25,744 | 26,597 | 21,805 | 22,504 | 10.2 | 132 | 1,612 | 2,388 | 20,661 | |
| Support for Securitization Facilities Sponsored by Other Institutions | |||||||||||
| Number of institutions reporting securitization facilities sponsored by others | 48 | 48 | 50 | 50 | 47 | 2.1 | 23 | 15 | 4 | 6 | |
| Total credit exposure | 6,824 | 2,841 | 1,478 | 1,375 | 1,348 | 406.2 | 7 | 108 | 107 | 6,602 | |
| Total unused liquidity commitments | 6,778 | 10,314 | 8,242 | 14,093 | 5,827 | 16.3 | 0 | 0 | 0 | 6,778 | |
| Other | |||||||||||
| Assets serviced for others** | 3,800,630 | 3,798,672 | 3,648,511 | 3,570,238 | 3,496,710 | 8.7 | 3,646 | 65,140 | 103,590 | 3,628,254 | |
| Asset-backed commercial paper conduits | |||||||||||
| Credit exposure to conduits sponsored by institutions and others | 22,332 | 22,226 | 22,592 | 22,211 | 21,404 | 4.3 | 2 | 0 | 370 | 21,960 | |
| Unused liquidity commitments to conduits sponsored by institutions and others | 345,968 | 372,709 | 365,850 | 364,656 | 327,395 | 5.7 | 0 | 0 | 0 | 345,968 | |
| Net servicing income (for the quarter) | 3,539 | 2,718 | 3,635 | 5,330 | 3,600 | -1.7 | 64 | 119 | 114 | 3,241 | |
| Net securitization income (for the quarter) | 5,136 | 5,006 | 5,812 | 5,355 | 4,964 | 3.5 | 0 | 54 | 280 | 4,802 | |
| Total credit exposure to Tier 1 capital (%)*** | 6.7 | 6.4 | 6.5 | 5.7 | 5.7 | 0.7 | 1.7 | 2.8 | 8.4 | ||
|
*Line item titled "All other loans and all leases" for quarters prior to March 31, 2006. **The amount of financial assets serviced for others, other than closed-end 1-4 family residential mortgages, is reported when these assets are greater than $10 million. ***Total credit exposure includes the sum of the three line items titled "Total credit exposure" reported above. |
|||||||||||
| Last Updated 05/29/2008 | Questions, Suggestions & Requests |
|
|
| Home Contact Us Search Help SiteMap Forms Freedom of Information Act (FOIA) Service Center Website Policies USA.gov |
| FDIC Office of Inspector General |