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Post by bot on Dec 21, 2010 18:10:13 GMT -5
www.fdic.gov/bank/analytical/quarterly/index.htmlThe current issue of the FDIC Quarterly released today includes two feature articles. The first article presents FDIC analysis that informed elements of a comprehenÂsive, long-range management plan for the Deposit Insurance Fund. The plan is designed to reduce pro-cyclicality; keep assessment rates moderate, steady, and predictable throughout economic and credit cycles; and maintain a positive fund balance even during a period of large fund losses. The article presents the FDIC analysis that informed the medium- and long-term elements of the plan. Using multiple simulations, this analysis demonstrates that a moderate, long-term average industry assessment rate, combined with an appropriate dividend or assessment rate reduction policy, would have prevented the fund from becoming negative during both the crises of the 1980s and early 1990s and the current crisis. However, the fund’s reserve ratio would have had to have exceeded 2 percent before the crises began. The second article includes key findings from the 2010 Summary of Deposits, an annual survey of bank and thrift deposits, which was released October 7, 2010. The article reports on national trends in domestic deposits and banking offices and also presents some information by state, metropolitan area, and institution. This issue of the FDIC Quarterly also includes third quarter 2010 industry results from the Quarterly Banking Profile, which was released on November 23, 2010.
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