Institutional Risk Analytics

Bank Industry Facts Sheet
Institutional Risk Analytics
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Industry Stress Benchmarks
Where is the population of U.S. banks headed?

IRA Bank Stress Grade Distributions

Period	A+	A	B	C	D	F
201303	4,174	1,403	368	343	60	626
201212	3,896	1,599	416	302	52	770
201209	4,085	1,522	399	296	41	796
201206	4,065	1,527	438	327	48	796
201203	4,139	1,454	454	360	54	801
201112	3,507	1,678	457	402	69	1,198
201109	3,698	1,640	419	389	46	1,199
201106	3,669	1,606	482	414	79	1,216
201103	3,738	1,550	501	457	72	1,209
201012	3,232	1,641	545	444	83	1,659
201009	3,493	1,592	519	400	67	1,638
201006	3,551	1,575	480	463	77	1,632
201003	3,676	1,592	504	480	93	1,534
200912	2,978	1,539	480	432	85	2,441
200909	3,308	1,481	410	429	77	2,337
200906	3,518	1,449	417	421	72	2,256
200903	3,959	1,431	452	437	88	1,820
200812	3,918	1,448	376	390	98	2,003
200809	4,498	1,293	315	356	63	1,793
200806	4,884	1,323	329	326	66	1,458

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IRA Bank Assets Stress Distributions

Period	A+	A	B	C	D	F
201303	$8,302	$3,994	$955	$690	$14	$459
201212	$3,386	$7,284	$2,615	$712	$26	$413
201209	$3,319	$7,200	$2,537	$664	$18	$472
201206	$2,928	$7,577	$2,052	$928	$20	$513
201203	$3,073	$7,388	$2,273	$888	$11	$277
201112	$2,817	$6,849	$2,525	$1,062	$20	$597
201109	$2,755	$6,895	$941	$2,637	$13	$547
201106	$2,560	$5,060	$2,654	$2,569	$21	$723
201103	$2,507	$6,336	$1,124	$2,723	$39	$672
201012	$2,192	$3,289	$4,909	$1,037	$535	$1,340
201009	$2,218	$3,185	$4,985	$1,173	$336	$1,464
201006	$2,164	$2,837	$4,942	$1,337	$465	$1,458
201003	$2,109	$1,295	$6,622	$1,088	$381	$1,843
200912	$1,457	$1,826	$3,072	$1,839	$295	$4,601
200909	$1,756	$1,938	$4,316	$584	$94	$4,535
200906	$2,005	$2,097	$4,132	$518	$68	$4,458
200903	$3,202	$3,131	$3,587	$729	$86	$2,784
200812	$2,366	$5,398	$403	$694	$46	$4,033
200809	$2,907	$5,504	$525	$704	$144	$3,772
200806	$2,897	$5,256	$400	$695	$51	$3,983

Amounts in $ Billions.

IRA correctly tracked the degradation of 97% of all bank failures since 2008 as measured independently by Credit Risk Monitor. They liked it so much they licensed it to use in their ratings service. See IRA's Failed Bank Forensics page for more information.

Deposits Report
How are consumers moving their money? Track it here.

Deposits in Larger Banks Over $65 Billion Assets

Period	Total Deposits	Transaction (Core)	Savings (Core)	Time (Core)	Brokered Deposits	Uninsured Deposits (est.)
201303	$7,197,801,625	$982,064,281	$4,305,914,399	$671,408,839	$428,609,565	$2,736,051,275
201212	$7,238,372,854	$993,691,932	$4,338,201,632	$702,138,125	$417,358,776	$1,561,749,367
201209	$6,959,656,514	$852,432,188	$4,108,532,430	$703,960,227	$381,872,511	$1,335,785,788
201206	$6,822,112,242	$827,215,238	$4,008,149,990	$727,488,205	$374,184,234	$1,333,152,178
201203	$6,783,154,465	$817,363,073	$3,991,496,069	$693,321,394	$360,012,665	$1,298,782,215
201112	$6,692,155,777	$875,491,753	$3,863,587,651	$682,012,349	$352,441,858	$1,261,860,444
201109	$6,486,282,735	$780,675,885	$3,669,995,300	$683,160,811	$346,989,013	$1,196,811,768
201106	$6,204,092,816	$674,945,578	$3,483,945,628	$656,706,696	$287,246,250	$1,141,250,164
201103	$6,033,488,818	$595,858,211	$3,312,791,200	$664,429,243	$269,003,321	$1,034,065,282
201012	$5,887,021,752	$562,164,265	$3,246,548,297	$683,257,147	$270,905,546	$1,088,126,548
201009	$5,759,717,071	$495,075,307	$3,114,579,966	$755,320,415	$265,781,695	$1,642,814,402
201006	$5,678,461,858	$496,448,680	$3,059,305,161	$790,745,066	$260,136,609	$1,603,306,721
201003	$5,668,940,017	$472,769,533	$3,026,222,829	$827,242,135	$250,470,885	$1,576,459,376
200912	$5,724,006,203	$518,889,070	$2,905,644,086	$920,346,337	$257,992,872	$1,638,013,059
200909	$5,556,518,508	$476,922,716	$2,719,608,005	$990,149,370	$243,156,725	$1,609,437,575
200906	$5,340,861,643	$478,695,991	$2,553,136,985	$1,031,487,681	$273,838,745	$1,814,191,523
200903	$5,417,458,011	$438,283,301	$2,540,724,984	$1,138,665,978	$315,899,803	$1,822,845,684
200812	$5,539,857,044	$511,562,173	$2,387,983,220	$1,227,023,141	$259,112,301	$1,903,790,943
200809	$5,179,436,505	$393,986,915	$2,192,697,269	$1,210,760,358	$239,538,724	$1,773,253,164
200806	$5,101,010,978	$362,364,854	$2,247,830,106	$1,075,485,582	$253,290,196	$1,625,174,971

amounts in $1000's unless specified.

Deposits in Banks Under $65 Billion Assets

Period	Total Deposits	Transaction (Core)	Savings (Core)	Time (Core)	Brokered Deposits	Uninsured Deposits (est.)
201303	$3,696,472,977	$579,321,398	$2,204,303,308	$1,012,171,891	$276,709,962	$656,019,381
201212	$3,652,828,830	$596,805,674	$2,136,422,635	$1,025,608,868	$285,908,061	$519,738,035
201209	$3,609,067,286	$547,796,810	$2,098,633,855	$1,056,450,878	$280,387,630	$497,622,173
201206	$3,570,674,193	$543,001,092	$2,038,896,881	$1,077,779,872	$274,960,637	$479,672,614
201203	$3,541,781,373	$543,197,665	$2,003,205,780	$1,098,236,505	$276,523,127	$467,619,460
201112	$3,553,083,263	$528,602,425	$1,958,396,043	$1,138,915,774	$280,694,911	$484,938,566
201109	$3,564,152,970	$509,976,814	$1,964,245,020	$1,165,040,290	$273,642,401	$485,998,221
201106	$3,621,332,711	$502,221,116	$1,953,210,587	$1,227,566,984	$276,876,409	$494,033,881
201103	$3,621,176,284	$488,649,080	$1,942,075,106	$1,260,601,554	$293,314,778	$493,172,953
201012	$3,588,298,430	$484,652,197	$1,879,705,798	$1,295,020,494	$300,815,635	$491,797,172
201009	$3,573,605,310	$456,018,895	$1,832,079,890	$1,336,583,728	$308,807,679	$564,842,464
201006	$3,521,266,217	$444,160,416	$1,752,230,839	$1,374,531,533	$329,630,391	$528,063,486
201003	$3,609,562,782	$447,735,432	$1,738,656,691	$1,421,441,112	$359,257,617	$536,953,409
200912	$3,580,448,145	$467,089,501	$1,708,563,684	$1,444,392,930	$360,894,160	$547,194,874
200909	$3,610,129,412	$425,846,004	$1,667,993,088	$1,514,936,982	$419,078,270	$539,739,314
200906	$3,754,046,750	$438,556,247	$1,686,401,157	$1,610,142,520	$454,630,394	$714,698,193
200903	$3,620,696,761	$420,841,100	$1,600,881,064	$1,612,601,927	$458,361,919	$692,457,972
200812	$3,587,647,183	$417,204,460	$1,575,852,445	$1,594,986,275	$505,863,219	$642,496,968
200809	$3,631,280,661	$416,926,812	$1,642,496,048	$1,562,444,646	$423,752,160	$730,198,642
200806	$3,542,037,742	$411,247,643	$1,637,186,473	$1,498,168,963	$390,491,286	$764,039,417

amounts in $1000's unless specified.

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Overall Lending + C&I and Credit Cards
Where is lending headed? Are there any emerging areas of concern?

Total Banking Industry Lending

Period	Nationwide Loans	Annualized Gross Defaults	Loss Given Default, %	Unused Commitments
201303	$7,717,528,901	104.1 bp	79.55%	$5,951,974,250
201212	$7,751,207,092	130.6 bp	81.77%	$5,872,570,466
201209	$7,630,438,671	136.3 bp	82.55%	$5,836,956,764
201206	$7,566,013,354	136.4 bp	81.82%	$5,890,601,314
201203	$7,459,273,300	142.1 bp	82.33%	$5,868,809,227
201112	$7,508,699,969	177.1 bp	84.94%	$5,771,244,278
201109	$7,374,819,363	185.6 bp	85.48%	$5,745,655,050
201106	$7,350,209,754	196.8 bp	85.98%	$5,725,365,655
201103	$7,284,722,449	210.9 bp	86.80%	$5,802,286,368
201012	$7,408,915,017	278.1 bp	90.86%	$5,681,964,121
201009	$7,417,394,681	282.6 bp	91.09%	$6,066,361,787
201006	$7,422,911,144	297.1 bp	91.39%	$6,029,882,904
201003	$7,529,435,038	302.8 bp	92.01%	$6,127,237,066
200912	$7,311,351,498	272.1 bp	93.90%	$5,991,456,821
200909	$7,439,451,827	258.7 bp	94.13%	$6,148,014,762
200906	$7,649,275,186	240.5 bp	94.00%	$6,334,220,944
200903	$7,760,078,744	208.9 bp	93.46%	$6,659,335,026
200812	$7,902,181,525	137.7 bp	91.40%	$7,184,327,549
200809	$8,015,022,672	126.9 bp	90.01%	$7,890,357,898
200806	$8,018,068,683	128.7 bp	89.06%	$8,212,223,424

amounts in $1000's unless specified.

Large Bank Commercial and Industrial Lending
Over $10B Assets Size Bank Units

Period	Nationwide C&I	Annualized Gross Defaults	Loss Given Default, %	Unused Commercial LOC Commitments
201303	$1,292,088,791	49.2 bp	70.81%	$0
201212	$1,266,100,969	64.2 bp	66.71%	$0
201209	$1,213,034,883	68.7 bp	70.82%	$0
201206	$1,182,022,709	70.8 bp	71.25%	$0
201203	$1,134,154,393	73.3 bp	69.90%	$0
201112	$1,107,086,600	97.4 bp	77.12%	$44,663,200
201109	$1,043,298,367	106.7 bp	77.74%	$43,168,059
201106	$996,374,583	119.2 bp	78.10%	$41,727,530
201103	$963,895,418	140.0 bp	80.29%	$40,552,789
201012	$940,004,273	206.5 bp	86.16%	$39,769,997
201009	$927,148,826	220.7 bp	87.05%	$18,844,855
201006	$920,691,762	235.6 bp	86.74%	$41,111,771
201003	$927,939,945	247.6 bp	88.30%	$46,087,124
200912	$952,948,634	294.9 bp	93.34%	$49,844,326
200909	$1,001,535,254	278.2 bp	94.80%	$38,966,968
200906	$1,085,826,244	247.2 bp	95.08%	$39,927,264
200903	$1,148,674,897	209.3 bp	94.99%	$44,276,430
200812	$1,200,944,017	113.1 bp	89.56%	$46,778,734
200809	$1,205,557,080	99.8 bp	87.07%	$50,661,134
200806	$1,193,024,150	93.2 bp	84.31%	$64,879,475

amounts in $1000's unless specified.

Mid/Small Bank Commercial and Industrial Lending
Below $10B Assets Size Bank Units

Period	Nationwide C&I	Annualized Gross Defaults	Loss Given Default, %	Unused Commercial LOC Commitments
201303	$270,496,460	56.3 bp	67.08%	$0
201212	$270,748,792	88.0 bp	76.96%	$0
201209	$271,040,340	85.3 bp	76.83%	$0
201206	$268,873,448	90.1 bp	78.17%	$0
201203	$265,514,908	84.6 bp	77.84%	$0
201112	$261,342,114	126.8 bp	82.72%	$4,701,970
201109	$259,413,766	126.4 bp	83.20%	$5,156,312
201106	$260,472,158	129.8 bp	82.99%	$5,310,611
201103	$258,307,828	128.9 bp	84.54%	$5,700,813
201012	$262,605,152	175.0 bp	88.35%	$5,961,906
201009	$260,752,369	167.2 bp	87.82%	$5,668,984
201006	$267,297,024	164.4 bp	87.90%	$5,968,659
201003	$272,319,304	155.1 bp	88.11%	$6,869,815
200912	$281,117,202	213.0 bp	92.98%	$8,862,279
200909	$288,218,698	191.8 bp	93.30%	$9,309,090
200906	$293,702,800	179.2 bp	93.49%	$10,464,279
200903	$300,971,742	136.4 bp	91.91%	$14,032,172
200812	$310,795,158	98.8 bp	89.52%	$17,303,094
200809	$312,557,706	80.7 bp	87.31%	$18,486,458
200806	$313,392,711	74.8 bp	85.57%	$9,096,183

amounts in $1000's unless specified.

Credit Cards in Larger Banks Over $65 Billion Assets

Period	# of Issuers	Unsecured CRCD Balance	Annualized Gross Defaults	Loss Given Default, %	Unused Commitments
201303	23	$518,976,712	500.1 bp	80.88%	$2,193,693,518
201212	23	$551,141,167	499.7 bp	80.97%	$2,180,067,951
201209	23	$534,322,486	522.1 bp	81.19%	$2,197,392,500
201206	22	$533,334,947	546.8 bp	80.74%	$2,216,165,688
201203	22	$527,057,088	563.8 bp	81.02%	$2,147,041,674
201112	21	$557,101,604	688.7 bp	84.23%	$2,119,195,803
201109	21	$545,508,002	744.6 bp	85.39%	$2,158,631,514
201106	20	$504,864,817	774.7 bp	85.95%	$2,044,870,967
201103	19	$506,240,936	859.2 bp	87.07%	$2,060,922,727
201012	19	$537,849,217	1,108.8 bp	91.31%	$2,018,078,947
201009	19	$530,399,616	1,201.2 bp	91.28%	$2,029,993,631
201006	19	$549,384,334	1,259.5 bp	91.72%	$2,046,297,233
201003	18	$566,567,629	1,212.0 bp	91.87%	$2,087,087,812
200912	18	$314,892,351	982.4 bp	92.86%	$2,178,802,512
200909	20	$268,088,996	1,070.4 bp	93.19%	$2,094,538,588
200906	17	$269,898,120	1,005.4 bp	93.04%	$2,166,232,535
200903	20	$271,633,757	897.5 bp	92.65%	$2,248,489,873
200812	21	$295,786,978	550.3 bp	87.51%	$2,573,530,573
200809	19	$281,226,426	552.1 bp	86.41%	$2,848,660,449
200806	20	$270,393,711	582.1 bp	85.46%	$2,910,749,620

amounts in $1000's unless specified.

Credit Cards in Banks Under $65 Billion Assets

Period	# of Issuers	Unsecured CRCD Balance	Annualized Gross Defaults	Loss Given Default, %	Unused Commitments
201303	1,293	$141,241,501	374.3 bp	78.81%	$938,625,231
201212	1,307	$144,937,677	366.7 bp	80.56%	$924,656,385
201209	1,313	$133,541,583	395.3 bp	81.55%	$892,727,289
201206	1,325	$130,925,398	407.0 bp	80.31%	$889,337,184
201203	1,334	$122,511,787	440.6 bp	80.89%	$887,531,790
201112	1,361	$130,651,465	428.3 bp	81.92%	$876,317,745
201109	1,381	$120,968,619	472.0 bp	81.02%	$859,658,346
201106	1,403	$163,476,513	545.8 bp	81.22%	$1,022,192,327
201103	1,424	$156,952,629	603.8 bp	81.98%	$1,012,360,451
201012	1,455	$164,166,787	711.6 bp	88.26%	$1,007,074,104
201009	1,469	$153,511,566	771.0 bp	88.58%	$1,015,803,847
201006	1,486	$150,020,036	819.8 bp	89.15%	$1,006,538,421
201003	1,510	$150,427,044	866.4 bp	89.56%	$1,036,013,526
200912	1,550	$107,202,281	907.7 bp	89.93%	$1,009,351,658
200909	1,578	$124,884,999	957.8 bp	90.27%	$1,189,494,534
200906	1,615	$128,334,669	964.7 bp	90.31%	$1,228,448,716
200903	1,651	$131,437,787	885.8 bp	89.53%	$1,287,714,460
200812	1,684	$148,849,786	602.1 bp	87.41%	$1,359,010,188
200809	1,720	$130,400,688	650.7 bp	86.58%	$1,538,427,906
200806	1,755	$125,653,541	651.8 bp	86.27%	$1,594,781,178

amounts in $1000's unless specified.

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Real Estate Lending
Is the real estate market recovering?

Residential Real Estate Lending

Period	Nationwide R.E. Loans	Annualized Gross Defaults	Loss Given Default, %	# of Active Bank Units
201303	$4,064,005,987	77.3 bp	85.13%	7517
201212	$4,099,990,445	114.2 bp	88.52%	7617
201209	$4,092,433,253	120.3 bp	89.25%	7683
201206	$4,091,737,431	114.7 bp	88.63%	7751
201203	$4,090,731,949	119.8 bp	90.01%	7801
201112	$4,131,849,769	145.9 bp	90.88%	7877
201109	$4,117,634,036	149.3 bp	91.48%	7956
201106	$4,126,090,653	159.1 bp	91.67%	8018
201103	$4,161,870,569	159.1 bp	92.49%	8101
201012	$4,269,928,854	209.1 bp	95.25%	8204
201009	$4,304,637,503	202.9 bp	95.61%	8276
201006	$4,336,824,713	207.4 bp	95.88%	8376
201003	$4,400,501,493	212.7 bp	96.64%	8462
200912	$4,464,360,515	210.0 bp	97.51%	8550
200909	$4,528,009,302	194.3 bp	97.66%	8647
200906	$4,652,603,880	177.9 bp	97.63%	8709
200903	$4,701,665,266	147.9 bp	97.47%	8768
200812	$4,706,196,317	99.4 bp	97.49%	8850
200809	$4,750,985,035	91.2 bp	96.96%	8929
200806	$4,795,311,010	97.8 bp	96.15%	8974

amounts in $1000's unless specified.

Residential 1-4 Lines of Credit

Period	Nationwide HELOC	Annualized Gross Defaults	Loss Given Default, %	Unused Commitments
201303	$538,428,777	163.7 bp	88.45%	$435,558,960
201212	$554,459,485	236.5 bp	92.09%	$436,520,875
201209	$567,299,482	244.2 bp	92.45%	$443,019,855
201206	$580,222,580	204.8 bp	91.57%	$452,173,095
201203	$590,323,781	214.0 bp	92.63%	$459,761,368
201112	$603,377,091	226.7 bp	92.12%	$461,298,852
201109	$608,261,520	231.2 bp	93.30%	$467,923,746
201106	$615,537,778	235.7 bp	93.87%	$477,634,016
201103	$624,003,396	237.8 bp	93.82%	$484,456,837
201012	$636,911,524	281.6 bp	95.95%	$482,078,538
201009	$647,953,817	287.8 bp	96.07%	$497,239,271
201006	$654,450,492	301.8 bp	96.17%	$505,446,154
201003	$659,603,297	323.2 bp	96.79%	$514,335,285
200912	$661,453,138	300.6 bp	97.11%	$522,409,665
200909	$667,468,222	290.2 bp	97.32%	$538,797,666
200906	$672,893,181	276.6 bp	97.31%	$559,528,522
200903	$674,342,639	240.4 bp	97.74%	$587,334,138
200812	$667,505,945	148.1 bp	97.27%	$627,202,235
200809	$652,118,875	145.0 bp	97.17%	$651,412,492
200806	$646,889,542	181.7 bp	95.46%	$677,631,317

amounts in $1000's unless specified.

Commercial Real Estate Lending

Period	Commercial R.E. Loans	Secured Commitments	Unsecured Commitments	Distressed Loans (Defaults)	Distressed as % of Loans
201303	$66,457,254	$157,001,967	$45,006,574	$546,174	0.82%
201212	$68,729,937	$150,037,221	$40,468,987	$648,773	0.94%
201209	$66,584,251	$142,024,125	$40,283,820	$730,001	1.10%
201206	$63,859,627	$132,805,641	$40,434,493	$699,119	1.09%
201203	$64,312,955	$122,678,389	$40,150,307	$894,220	1.39%
201112	$58,733,157	$111,144,043	$36,587,121	$1,261,622	2.15%
201109	$55,068,629	$106,805,940	$33,638,961	$1,295,998	2.35%
201106	$52,097,378	$103,729,826	$33,182,827	$1,331,744	2.56%
201103	$51,417,958	$100,196,360	$31,031,348	$1,528,821	2.97%
201012	$49,054,026	$99,866,487	$32,489,906	$2,628,485	5.36%
201009	$50,598,442	$106,081,180	$30,025,122	$2,443,890	4.83%
201006	$52,056,650	$106,805,999	$29,590,975	$2,148,332	4.13%
201003	$54,446,059	$112,836,837	$30,411,920	$2,238,844	4.11%
200912	$57,864,588	$117,400,420	$32,400,980	$3,716,422	6.42%
200909	$64,593,736	$133,711,164	$33,820,361	$2,658,777	4.12%
200906	$66,756,203	$150,385,700	$35,673,817	$2,221,312	3.33%
200903	$68,943,814	$177,423,145	$36,882,667	$1,943,599	2.82%
200812	$70,363,810	$209,103,140	$39,604,199	$1,134,862	1.61%
200809	$67,090,067	$244,287,357	$45,160,552	$1,119,697	1.67%
200806	$65,219,296	$270,908,741	$52,036,249	$1,030,932	1.58%

amounts in $1000's unless specified.

Degraded Real Estate

Period	30-89 Day Real Estate	Over 90 Days Real Estate	Non-Accrual Real Estate	Real Estate Owned (REO)
201303	$55,164,744	$106,840,155	$124,970,838	$35,977,798
201212	$60,730,487	$109,738,844	$135,779,562	$38,512,656
201209	$59,884,177	$114,612,200	$144,614,049	$41,044,240
201206	$58,335,011	$112,542,300	$145,559,786	$41,788,428
201203	$63,023,035	$114,727,240	$153,443,810	$44,801,483
201112	$69,791,575	$108,150,916	$157,025,984	$46,075,429
201109	$70,752,224	$104,221,101	$163,002,547	$50,485,178
201106	$70,348,893	$102,823,096	$172,509,027	$51,317,996
201103	$78,284,820	$105,530,477	$186,171,801	$52,375,975
201012	$82,608,788	$105,946,964	$194,271,805	$52,821,340
201009	$84,820,835	$107,420,299	$205,717,925	$53,213,799
201006	$85,100,564	$106,798,707	$210,489,671	$49,300,811
201003	$97,946,774	$111,676,473	$220,541,282	$46,291,580
200912	$99,029,912	$102,286,883	$214,664,852	$41,393,042
200909	$100,856,205	$88,018,516	$202,055,893	$37,195,367
200906	$100,375,844	$76,495,030	$185,883,964	$33,993,271
200903	$114,608,188	$67,151,570	$162,649,102	$29,707,448
200812	$111,706,897	$53,910,529	$124,695,444	$26,661,687
200809	$84,607,077	$23,579,856	$124,603,494	$22,989,692
200806	$76,128,198	$19,209,778	$110,463,566	$18,931,460

amounts in $1000's unless specified.

Dennis Santiago

IRA Advisory and Enterprise Services
enabling strategic advantage
Contact us about your strategic needs. 310.676.3300

Securities
Where are the banks investing? How much of these securities are at the big banks?

Industry Securities Holdings
Source: Institutional Risk Analytics

Period	Treasury	Agency	Muni	Agy PASS	Agy CMO	1-4 PMBS	ABS	Debt	Equities	CMBS/SFP	Total
201303	$191,784	$240,323	$267,571	$951,874	$455,530	$151,075	$165,287	$361,381	$18,038	$203,387	$3,006,250
201212	$208,393	$239,292	$261,623	$950,427	$463,474	$160,065	$165,817	$361,461	$16,714	$189,377	$3,016,644
201209	$199,137	$225,343	$251,158	$977,753	$469,639	$163,962	$163,218	$358,761	$13,231	$171,054	$2,993,256
201206	$189,683	$229,506	$240,937	$972,675	$468,986	$163,666	$158,492	$351,785	$13,227	$155,298	$2,944,255
201203	$168,927	$232,752	$225,795	$972,173	$489,477	$169,066	$150,104	$370,432	$12,760	$145,772	$2,937,259
201112	$159,108	$212,662	$217,990	$917,101	$478,828	$170,964	$139,008	$376,611	$15,804	$168,538	$2,856,613
201109	$173,934	$212,230	$204,651	$883,314	$479,472	$170,002	$133,674	$361,873	$17,329	$158,397	$2,794,877
201106	$163,467	$235,126	$192,866	$856,714	$456,922	$177,674	$125,614	$358,846	$15,609	$144,929	$2,727,767
201103	$179,722	$252,888	$186,795	$861,679	$423,541	$182,413	$127,099	$355,721	$16,932	$143,799	$2,730,590
201012	$188,365	$243,114	$182,322	$847,214	$395,126	$189,047	$129,659	$341,221	$19,583	$138,746	$2,674,396
201009	$191,852	$250,525	$176,291	$820,882	$367,809	$199,924	$135,596	$345,422	$16,941	$143,212	$2,648,453
201006	$166,798	$257,738	$168,312	$793,772	$339,754	$197,201	$130,706	$320,828	$18,949	$140,461	$2,534,519
201003	$158,492	$248,306	$166,038	$819,721	$318,453	$196,651	$129,282	$342,533	$19,607	$139,354	$2,538,437
200912	$104,333	$246,506	$163,652	$854,381	$271,092	$220,282	$154,943	$330,023	$26,684	$135,194	$2,507,090
200909	$89,326	$225,954	$165,034	$823,143	$248,800	$227,839	$152,519	$310,256	$30,568	$131,016	$2,404,455
200906	$60,479	$207,275	$163,915	$869,049	$229,052	$218,968	$143,780	$294,163	$43,337	$114,447	$2,344,465
200903	$47,138	$198,008	$154,386	$841,210	$216,517	$255,327	$140,320	$292,176	$45,037	$31,379	$2,221,497
200812	$37,206	$182,986	$152,051	$821,697	$200,475	$278,327	$129,333	$193,061	$27,740	$22,480	$2,045,357
200809	$36,429	$168,771	$145,089	$760,545	$185,475	$315,280	$210,695	$165,491	$22,703	$22,268	$2,032,748
200806	$23,689	$185,644	$149,666	$769,975	$190,348	$362,134	$110,438	$178,296	$27,806	$26,604	$2,024,599

amounts in $millions unless specified.
Agency = U.S. Government Obligations Excluding MBS
1-4 PMBS = Residential 1-4 Private Mortgage Backed Securities
Debt = Structured Debt Instruments, Domestic and Foreign
Equities = Mutual Funds and Equity Instruments
CMBS = Commercial Mortgage Backed Securities including Pass-Thru's
SFP = Structured Finance Products

Securities Holdings of the 25 Largest BHC's
Source: Institutional Risk Analytics

Period	Treasury	Agency	Muni	Agy PASS	Agy CMO	1-4 PMBS	ABS	Debt	Equities	CMBS/SFP	Total
201303	$160,122	$69,263	$104,848	$656,993	$246,639	$135,095	$131,800	$311,424	$10,454	$152,435	$1,979,072
201212	$174,330	$75,774	$102,784	$658,666	$251,660	$141,796	$134,314	$315,697	$9,753	$144,425	$2,009,198
201209	$165,723	$72,528	$98,308	$665,223	$253,457	$144,610	$134,543	$312,997	$6,486	$132,507	$1,986,381
201206	$157,425	$76,950	$93,942	$654,011	$250,182	$144,235	$132,825	$306,247	$5,609	$122,584	$1,944,010
201203	$137,001	$68,558	$85,254	$650,389	$262,224	$149,007	$125,629	$325,293	$5,202	$115,643	$1,924,200
201112	$135,139	$68,237	$81,076	$600,388	$251,559	$137,700	$127,935	$320,963	$9,690	$110,052	$1,842,738
201109	$149,849	$68,545	$73,303	$578,120	$253,295	$135,057	$122,780	$305,639	$9,353	$98,010	$1,793,950
201106	$135,763	$79,071	$65,929	$561,047	$241,704	$140,093	$114,435	$303,087	$8,256	$80,723	$1,730,108
201103	$150,370	$92,348	$63,725	$571,617	$220,264	$141,158	$115,230	$297,044	$8,603	$77,192	$1,737,550
201012	$157,562	$86,460	$61,968	$561,878	$203,193	$145,758	$118,243	$282,160	$10,806	$77,051	$1,705,079
201009	$160,300	$99,604	$61,624	$553,708	$190,943	$155,104	$122,442	$286,543	$10,134	$79,634	$1,720,037
201006	$138,027	$98,441	$60,316	$527,197	$179,332	$149,600	$119,099	$264,155	$12,307	$75,476	$1,623,950
201003	$129,869	$92,134	$60,045	$548,207	$163,399	$147,142	$119,493	$284,675	$12,230	$80,753	$1,637,946
200912	$77,671	$95,126	$57,932	$578,470	$123,464	$167,241	$143,747	$274,002	$13,662	$79,714	$1,611,029
200909	$64,261	$84,865	$58,637	$549,729	$108,154	$172,439	$138,165	$254,441	$13,469	$77,469	$1,521,630
200906	$39,733	$76,034	$61,068	$585,606	$99,903	$161,858	$132,736	$234,392	$15,043	$74,190	$1,480,563
200903	$22,555	$64,489	$55,868	$552,560	$96,907	$191,049	$131,160	$235,486	$13,310	$4,542	$1,367,927
200812	$21,061	$45,429	$57,118	$544,337	$85,527	$190,845	$120,495	$166,525	$9,891	$3,529	$1,244,758
200809	$24,971	$24,666	$52,539	$496,285	$82,811	$209,387	$201,575	$137,697	$8,864	$2,234	$1,241,029
200806	$12,057	$35,015	$53,005	$503,826	$80,201	$217,371	$99,847	$141,541	$12,153	$29	$1,155,045