III.

FINANCIAL HIGHLIGHTS
FINANCIAL HIGHLIGHTS

FEDERAL DEPOSIT INSURANCE CORPORATION ANNUAL REPORT 2022 111 

In its role as insurer of bank and savings association deposits, the FDIC promotes the public’s 

trust in the safety and soundness of insured depository institutions. The following financial 

highlights address the performance of the Deposit Insurance Fund.

DEPOSIT INSURANCE FUND PERFORMANCE

The DIF balance was $128.2 billion at December 31, 2022, an increase of $5.1 billion from the 

year-end 2021 balance. The DIF’s comprehensive income remained stable year-over-year; $5.1 

billion in 2022 compared to $5.2 billion in 2021. The year-over-year decrease in comprehensive 

income of $0.1 billion was primarily driven by a $1.2 billion increase in assessment revenue 

and a $0.3 billion increase in interest on U.S. Treasury (UST) securities, which was fully offset 

by a $1.6 billion increase in unrealized losses on UST securities.

Assessment revenue was $8.3 billion for 2022, compared to $7.1 billion for 2021. The $1.2 

billion year-over-year increase was primarily due to assessment base growth and higher 

assessment rates.

The DIF’s interest revenue on UST securities for 2022 was $1.2 billion, compared to nearly 

$1.0 billion in 2021. The $0.3 billion year-over-year increase resulted from maturities being 

reinvested in higher yielding securities.

The DIF recognized an unrealized loss on UST securities of $2.8 billion in 2022, compared to 

a $1.2 billion unrealized loss in 2021. The increase in the unrealized loss was the result of a 

substantial rise in interest rates during 2022. 

The DIF’s cash, cash equivalents, and U.S. Treasury investment portfolio balances increased by 

$4.9 billion during 2022 to $125.0 billion at year-end 2022, from $120.1 billion at year-end 2021. 

This increase was primarily due to assessment collections of $7.9 billion, interest received on 

UST securities of $3.1 billion, less operating expenses paid of $1.8 billion and unrealized losses 

on investments of $2.9 billion.
FINANCIAL HIGHLIGHTS

FEDERAL DEPOSIT INSURANCE CORPORATION ANNUAL REPORT 2022 112 

3/31/12

9/30/12

3/31/13

9/30/13

3/31/14

9/30/14

3/31/15

9/30/15

3/31/16

9/30/16

3/31/17

9/30/17

3/31/18

9/30/18

3/31/19

9/30/19

3/31/20

9/30/20

3/31/21

9/30/21

3/31/22

9/30/22

Fund Balance as a Percent 

of Estimated Insured Deposits

0.40

0.60

0.80

1.20

1.60

1.40

1.00

0.20

0.0

3/31/12

9/30/12

3/31/13

9/30/13

3/31/14

9/30/14

3/31/15

9/30/15

3/31/16

9/30/16

3/31/17

9/30/17

3/31/18

9/30/18

3/31/19

9/30/19

3/31/20

9/30/20

3/31/21

9/30/21

3/31/22

9/30/22

Dollars in Billions

$10,000

$12,000

$8,000

$6,000

$4,000

$2,000

0

ESTIMATED DIF INSURED DEPOSITS

DEPOSIT INSURANCE FUND RESERVE RATIOS

Source: Commercial Bank Call and Thrift Financial Reports

Note: Beginning in fourth quarter 2010 through fourth quarter 2012, estimated insured deposits include the entire balance of noninterestbearing transaction accounts. 

Reserve Ratio Statutory Minimum Reserve Ratio
FINANCIAL HIGHLIGHTS

FEDERAL DEPOSIT INSURANCE CORPORATION ANNUAL REPORT 2022 113 

Deposit Insurance Fund Selected Statistics

Dollars in Millions

For the years ended December 31

2022 2021 2020

Financial Results

Revenue $9,607 $8,153 $8,796 

Operating Expenses 1,883 1,843 1,846 

Insurance and Other Expenses 

(includes provision for losses) (79) (137) (155)

Net Income 7,803 6,448 7,105 

Comprehensive Income 5,077 5,244 7,550 

Insurance Fund Balance $128,218 $123,141 $117,897 

Fund as a Percentage of Insured Deposits 

(reserve ratio) 1.26%1 1.26% 1.29%

Selected Statistics

Total DIF-Member Institutions2 4,7461 4,839 5,002

Problem Institutions 421 44 56

Total Assets of Problem Institutions $163,8091 $170,172 $55,830

Institution Failures 0 0 4

Total Assets of Failed Institutions in Year3 $0 $0 $455

Number of Active Failed Institution Receiverships 132 191 234

1 As of September 30, 2022.

2 Commercial banks and savings institutions. Does not include U.S. insured branches of foreign banks.

3 Total Assets data are based upon the last Call Report filed by the institution prior to failure.