Business Strategy: Looking at 2009 U.S. Bank Failures and the Changing U.S. Banking Landscape

Business Strategy: Looking at 2009 U.S. Bank Failures and the Changing U.S. Banking Landscape published by IDC Financial Insights in February, 2010. This report consists of Pages: 17 and the price starts from US $ 4500.

Introduction

Abstract

This Financial Insights report looks at the history of bank failures, with particular attention paid to the last decade in terms of the numbers and makeup of financial institutions and how the recent failures have changed the landscape. Bankers are certainly glad the first decade of the new century has drawn to a close. The period has been marked by some of the most challenging times seen in our lifetimes. However, despite all that could have happened, the system appears to have weathered the storm.

"While the number of institutions worldwide will continue to shrink," says Marc DeCastro, research manager at IDC Financial Insights, "it appears that the pace of failures is slowing and that the worst appears to be behind us. That said, numerous threats still exist that could derail the banking system, including interest rate risk, inflation, double-dip recession, commercial real estate defaults, and more declines within the real estate market. However, while these threats exist, each by itself would only have a marginal effect on the overall banking universe; it would take another perfect storm of conditions to repeat 2008–2009."

Table of Contents

• Financial Insights Opinion
• In This Report
• Situation Overview
• Looking Back
• Bank Failures Through the Years
• Bank Failures by Numbers
• Impact on FDIC
• Bank Failures, Fed Fund, and GDP — Any Relation?
• The Cost Ratio
• Future Outlook
• Managing Risk
• Essential Guidance
• Actions for Financial Institutions
• Actions for Vendors
• Learn More
• Related Research
• Synopsis
• Figure: U.S. Bank Failures in the Top 10 Years for Failures, 1934–2009
• Figure: U.S. Bank Failures, 2001–2009
• Figure: U.S. Bank Failures by State, 2009
• Figure: U.S. Bank Failures by Affected State, 2009
• Figure: Number of U.S. Banks by Asset Size, January 2000–September 2009
• Figure: FDIC Insurance Fund Outlay Share, 1Q09–4Q09
• Figure: Cost of Bank Failures to the FDIC Insurance Fund by State, 2009
• Figure: Cost of Bank Failures to the FDIC Insurance Fund by Affected State, 2009 ($M)
• Figure: Number of U.S. Problem Institutions Insured by the FDIC, 2005–2009
• Figure: Reported FDIC Insurance Fund Balance, 2005–2009
• Figure: U.S. Bank Failures, Federal Fund Interest Rate, and GDP Growth, 1955–2009
• Figure: Bank Failure Cost Ratio Median by Asset Size, 2009
• Figure: Bank Failure Cost Ratios, 1Q09–4Q09

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