Identifying Brokered Bank Deposit Flows by Bank | IDCFP

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IDC Financial Publishing, Inc. (IDCFP)’s estimate of brokered time deposits less than $250,000 for banks is calculated as total brokered deposits, less estimated sweeps, reported reciprocal accounts, and reported brokered deposits of more than $250,000. IDCFP’s estimated CD data can be further stratified by institutions with CD CUSIPs vs. institutions without CUSIPs.

Estimates of sweep accounts and brokered deposits less than $250,000 are calculated using a unique methodology employing deposit account characteristics including totals, as well as, quarterly changes in various categories of deposits, a discussion which is beyond the scope of this article.

The estimate of brokered time deposits less than $250,000 for 1,157 banks with outstanding CUSIPs, as of December 31, 2017, was $289.8 billion, compared to eligible, bank brokered deposits held at DTC of $282.1 billion. Totals from DTC include credit unions and foreign banks and agencies.

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From IDCFP’s deposit database, you can determine:

1. For each domestic bank with or without CUSIPs, the total amount of estimated brokered time deposits less than $250,000 (Col. 8) and the dollar and percentage change over the last year (Col. 9 and 10)

2. For each bank, the estimated sweep accounts and reported reciprocals and brokered deposits over $250,000

3. Characteristics of domestic banks with CUSIPs issuing estimated brokered time deposits can be used to determine other domestic banks as potential issuers of brokered time deposits in the future. Characteristics, for all domestic banks, include the loan to deposit ratio, loan growth in dollars and percentages and other pertinent ratios (see sample of data that follows or for all deposit data request a database sample).

Largest Total of Brokered Time Deposits Less Than $250,000

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Largest Dollar Increase in Brokered Time Deposits Less Than $250,000 over Past Year

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IDCFP has been helping CD brokers and investors, insurance companies, federal agencies, numerous state governments and a host of other institutions make better decisions using its unique and proprietary CAMEL rating methodology since 1985. For more information on CAMEL or Deposit Data Base go to www.idcfp.com or call 1-800-525-5475.

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