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Fourth Quarter 2024

Executive Summary - Fourth Quarter 2024

Executive Summary - Fourth Quarter 2024

The attached report highlights the FDIC’s financial activities and results for the quarter ended December 31, 2024.

  • During the fourth quarter of 2024, the Deposit Insurance Fund (DIF) balance increased to $137.1 billion as of December 31, 2024, up $4.0 billion from the September 30, 2024, balance of $133.1 billion. The quarterly increase was primarily due to assessment revenue of $3.4 billion, interest on U.S. Treasury (UST) securities of $1.1 billion, and a $163 million reduction in provision for insurance losses for prior year failures, partially offset by operating expenses of $666 million.
  • The reserve ratio—the fund balance as a percentage of insured deposits—increased by three basis points in the fourth quarter to 1.28 percent.
  • The annual FDIC Operating Budget expenditures were $476.7 million, or 16 percent, below the 2024 budget. Unused contingency reserves of $150.7 million contributed to this underspend, in addition to vacancies in budgeted positions, delays in some IT and facilities modernization projects, and lower than anticipated receivership activity and settlement expenses.
  • During the fourth quarter of 2024, the FDIC established the Offices of Professional Conduct and Equal Employment Opportunity, increasing authorized staffing by ten positions and the operating budget by $1.1 million.

Last Updated: April 2, 2025