Forming Consistent Time Series: FR Y-9C, Consolidated Financial Statements for Bank Holding Companies
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1 Forming Consistent Time Series: FR Y-9C, Consolidated Financial Statements for Bank Holding Companies Schedule : Loans and Lease Financing Receivables
2 Table of Contents Contents Page Number Objectives of Forming Consistent Time Series 3 Advantages of Time Series 4 Future Opportunities and Inquiries 5 How to use the Time Series: Notation and Example 6 Aggregate Loans-Components 7 Loan Categories Unchanged Since Mapping Changes: Commercial Real Estate Loans 9 Mapping Changes: Other Consumer Loans 10 Mapping Changes: All Other Loans and Leases 11 Data Dictionary: Loan Aggregates 12 2
3 Objectives of Forming Consistent Time Series 1. Detail development of specific FR Y-9C components from Map changes to Schedules HC-B,, HC-D, and HC-L 2. Accurately reference and construct data of aggregate Loan, Security, Derivative and Off-Balance Sheet Items 3. Study the change in composition of BHC Loan, Security, Derivative and Off- Balance Sheet holdings 4. Provide structure (data dictionary) for future analysis on internal and external level (District and System) Internal: Statistical and Financial Reports, Data Analytics Unit, Economic Research, Supervision and Regulation External: Academic and private sector research 3
4 Advantages of Time Series Four Roadblocks to Yielding Sensible Data 1. Choosing the data What data to analyze? Which financial report(s)? What type of institutions? 2. Standardizing the data How should loans/securities be categorized? What are their components? 3. Establishing long-term consistency in aggregate data How should the researcher manage the report s historical changes? 4. Establishing a consistent panel of institutions How should the researcher take into account mergers, failures, and new reporters that are significant? Advantages of this document: Eliminates three of four roadblocks above (1, 2, 3) Effectively and accurately standardizes data into categories Enables accurate construction of aggregates from Dynamic: Identifies how data can be analyzed broadly and granularly 4
5 Future Opportunities and Inquiries Future Opportunities Continue oversight of time series; make changes to document with future FR Y-9C developments Pursue further (prior to 2007) historical mapping of Loan/Security categories Develop long-term (10 years plus) time series documentation of FR Y-9C Income items Inquiries Questions about time series? Suggestions for future development? Contact Information: 5
6 How to use the Time Series: Notation and Example Name of Category Component Number Notation Description of line item FR Y-9C Schedule Line Item View (querying purposes) Mnemonic/ Reference Number Residential Real Estate Loans 100 Example 1. Loans secured by real estate. c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential prosperities and extended under lines of credit 1. c. (1) (Column B) Internal Use Only BHDM1797 6
7 Aggregate Loans-Components Composition and Components of Aggregate Data Component Number(s) Residential Real Estate Loans 100 Commercial Real Estate Loans All Other Loans Secured by Real Estate Loans to Depository Institutions 400 Commercial and Industrial Loans Credit Card Loans Other Consumer Loans All Other Loans and Leases
8 Loan Categories Unchanged Since 2007 Page 1 of 1 Residential Real Estate Loans Loans secured by real estate. c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential prosperities and extended under lines of credit 1. c. (1) (Column B) Internal Use Only BHDM1797 All Other Loans Secured by Real Estate Loans secured by real estate. c. Secured by 1-4 family residential properties: (2) Closed-end loans secured by 1-4 family residential properties: (a) Secured by first liens 1. c. (2) (a) Internal Use Only BHDM5367 (Column B) All Other Loans Secured by Real Estate Loans secured by real estate. c. Secured by 1-4 family residential properties: (2) Closed-end loans secured by 1-4 family residential properties: (b) Secured by junior liens 1. c. (2) (b) Internal Use Only BHDM5368 (Column B) Loans to Depository Institutions Loans to depository institutions and acceptances of other banks 2. (Column B) Internal Use Only BHDM1288 Commercial and Industrial Loans Commercial and Industrial Loans, a. To U.S. addressees 4. a. Internal Use Only BHCK1763 Commercial and Industrial Loans Commercial and Industrial Loans, b. To non-u.s. addressees 4. b. Internal Use Only BHCK1764 Credit Card Loans Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper), a. Credit cards 6. a. Internal Use Only BHCKB538 Credit Card Loans Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper), b. Other revolving credit plans 6. b. Internal Use Only BHCKB539 8
9 Mapping Changes to Commercial Real Estate Loans Page 1 of 1 Components From 3/31/ /31/2007 Commercial Real Estate Loans Loans secured by real estate, a. Construction, land development, and other land loans 1. a. (Column B) Internal Use Only BHDM1415 Expanded Components From 3/31/2008-Present Commercial Real Estate Loans Loans secured by real estate, a. Construction, land development, and other land loans: (1) 1-4 family residential construction loans 1. a. (1) Internal Use Only BHCKF158 (Column B) Commercial Real Estate Loans Loans secured by real estate, a. Construction, land development, and other land loans: (2) Other construction loans and all land development and other land loans 1. a. (2) Internal Use Only BHCKF159 (Column B) Commercial Real Estate Loans Loans secured by real estate, b. Secured by farmland 1. b. (Column B) Internal Use Only BHDM1420 Same Commercial Real Estate Loans Loans secured by real estate, b. Secured by farmland 1. b. (Column B) Internal Use Only BHDM1420 Commercial Real Estate Loans Loans secured by real estate, d. Secured by multifamily (5 or more) residential properties 1. d. (Column B) Internal Use Only BHDM1460 Same Commercial Real Estate Loans Loans secured by real estate, d. Secured by multifamily (5 or more) residential properties 1. d. (Column B) Internal Use Only BHDM1460 Commercial Real Estate Loans Loans secured by real estate, e. Secured by nonfarm nonresidential properties 1. e. (Column B) Internal Use Only BHDM1480 Expanded Commercial Real Estate Loans Loans secured by real estate, e. Secured by nonfarm nonresidential properties: (1) Loans secured by owner-occupied nonfarm nonresidential properties 1. e. (1) Internal Use Only BHCKF160 (Column B) Commercial Real Estate Loans Loans secured by real estate, e. Secured by nonfarm nonresidential properties: (2) Loans secured by other nonfarm nonresidential properties 1. e. (2) Internal Use Only BHCKF161 (Column B) 9
10 Mapping Changes to Other Consumer Loans Page 1 of 1 Components From 3/31/ /31/2010 Components From 3/31/2011-Present Other Consumer Loans Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper), c. Other consumer loans (includes single payment, installment, and all student loans) 6. c. Internal Use Only BHCK2011 Expanded Other Consumer Loans Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper), c. Automobile Loans 6. c. Internal Use Only BHCKK137 Other Consumer Loans Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper), d. Other consumer loans (includes single payment, installment, and all student loans) 6. d. Internal Use Only BHCKK207 10
11 Mapping Changes to All Other Loans and Leases Page 1 of 1 Components From 3/31/ /31/2009 All Other Loans and Leases Loans to finance agricultural production and other loans to farmers 3. Internal Use Only BHCK1590 All Other Loans and Leases Loans to foreign governments and official institutions (including foreign central banks) 7. Internal Use Only BHCK2081 All Other Loans and Leases a. Loans for purchasing and carrying securities (secured and unsecured) 9. a. Internal Use Only BHCK1545 All Other Loans and Leases b. All other loans 9. b. Internal Use Only BHCK1564 All Other Loans and Leases Lease financing receivables (net of unearned income), a. Leases to individual household, family, and other personal expenditures (i.e., consumer leases) 10. a. Internal Use Only BHCKF162 All Other Loans and Leases Lease financing receivables (net of unearned income), b. All other leases 10. b. Internal Use Only BHCKF163 Same Same Developed Expanded Same Same Components From 3/31/2010-Present All Other Loans and Leases Loans to finance agricultural production and other loans to farmers 3. Internal Use Only BHCK1590 All Other Loans and Leases Loans to foreign governments and official institutions (including foreign central banks) 7. Internal Use Only BHCK2081 All Other Loans and Leases Loans to nondepository financial institutions and other loans: b. Other Loans, (1) Loans for purchasing and carrying securities (secured and unsecured) 9. b. (1) Internal Use Only BHCK1545 All Other Loans and Leases Loans to nondepository financial institutions and other loans: a. Loans to nondepository financial institutions 9. a. Internal Use Only BHCKJ454 All Other Loans and Leases Loans to nondepository financial institutions and other loans: b. Other Loans, (2) All other loans (exclude consumer loans) 9. b. (2) Internal Use Only BHCKJ451 All Other Loans and Leases Lease financing receivables (net of unearned income), a. Leases to individual household, family, and other personal expenditures (i.e., consumer leases) 10. a. Internal Use Only BHCKF162 All Other Loans and Leases Lease financing receivables (net of unearned income), b. All other leases 10. b. Internal Use Only BHCKF163 11
12 Data Dictionary: Loan Aggregates Loan Category* Mnemonic: 3/31/07-12/31/07 Residential Real Estate Loans* BHDM 1797 Commercial Real Estate Loans BHDM 1415, 1420, 1460, 1480 Mnemonic: 3/31/08-12/31/08 BHCK F158, F159, F160, F161 Mnemonic: 3/31/09-12/31/09 BHCK F158, F159, F160, F161 Mnemonic: 3/31/10-12/31/10 BHCK F158, F159, F160, F161 Mnemonic: 3/31/11-Present BHCK F158, F159, F160, F161 BHDM 1420, 1460 BHDM 1420, 1460 BHDM 1420, 1460 BHDM 1420, 1460 All Other Loans Secured by Real Estate* BHDM 5367, 5368 Loans to DIs* BHDM 1288 Commercial and Industrial Loans* BHCK 1763, 1764 Credit Card Loans* BHCK B538, B539 Other Consumer Loans BHCK 2011 BHCK 2011 BHCK 2011 BHCK 2011 BHCK K137, K207 BHCK 1590, 2081 BHCK 1590, 2081 BHCK 1590, 2081 BHCK 1590, 2081 BHCK 1590, 2081 All Other Loans/Leases BHCK 1545, 1564, F162, F163 BHCK 1545, 1564, F162, F163 BHCK 1545, 1564, F162, F163 BHCK J454, J451 BHCK 1545, F162, F163 BHCK J454, J451 BHCK 1545, F162, F163 *Mnemonics do not change from
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