BOLI Holdings Report

   

The Equias Alliance / Michael White BOLI Holdings Report™ measures and benchmarks U.S. banks and savings associations (thrifts) according to the cash surrender values (CSV) of bank-owned life insurance (BOLI) they hold, as well as the resulting concentration of BOLI assets relative to these institutions' capital.

Importantly, the data for the Equias Alliance / Michael White BOLI Holdings Report is not based on surveys, which themselves are dependent upon survey-response rates, reliability, or extrapolation of findings. This is important to financial institutions and third-party BOLI product and service providers and BOLI advisors that want reliable, standardized, industry measures by which to compare and evaluate bank-owned life insurance programs.

The data for the Equias Alliance / Michael White Bank-Owned Life Insurance (BOLI) Holdings Report™ come directly from regulatory filings of all U.S. commercial banks, FDIC-supervised savings banks and savings associations.  

The Equias Alliance / Michael White BOLI Holdings Report:

  • Examines the rate of participation by banks and thrifts in owning permanent life insurance.

  • Ranks and analyzes the top 100 banks and thrifts and bank holding companies in the country, as well as the top 50 in each of eight asset classes and each of four charter categories, on the basis of their BOLI holdings.

  • Examines the industry's concentration of assets in BOLI holdings relative to capital.

  • Measures and compares the ratios of CSV-assets as a percentage of Tier 1 capital and as a percentage of the sum of Tier 1 capital plus the allowance for loan and lease losses to assess the degree to which CSV represents bank capital.

  • Includes an extensive glossary that defines key banking industry financial terms.

  • Illustrates with tables and graphs the current year’s BOLI performance measures of the banking industry as compared to those of the prior year, including: 

  • BOLI Assets and Participation among Banks and Thrifts by Bank Asset-Class

  • Number of Banks and Thrifts Reporting BOLI Assets

  • Total BOLI Assets by Bank and Thrift Asset-Class

  • Mean BOLI Assets by Bank and Thrift Asset-Class

  • Median BOLI Assets by Bank and Thrift Asset-Class

  • Mean Bank/Thrift BOLI Assets as a Percentage of Tier 1 Capital

  • Median Bank/Thrift BOLI Assets as a Percentage of Tier 1 Capital

  • Mean Bank/Thrift BOLI Assets as a Percentage of the Sum of Tier 1 Capital and Allowance for Loan & Lease Losses 

  • Median Bank/Thrift BOLI Assets as a Percentage of the Sum of Tier 1 Capital and Allowance for Loan & Lease Losses

  • Total Life Insurance Assets Held by Banks Only
    Number of Banks Reporting Life Insurance Assets

  • BOLI Holdings and Rankings of:

  • Top 100 Banks and Thrifts Nationally

  • Top 50 Banks and Thrifts Over $10 Billion in Assets

  • Top 50 Banks and Thrifts Between $1-$10 Billion in Assets

  • Top 50 Banks and Thrifts Between $500 Million-$1 Billion in Assets

  • Top 50 Banks and Thrifts Between $300-$500 Million in Assets

  • Top 50 Banks and Thrifts Between $100-$300 Million in Assets

  • Top 50 Banks and Thrifts Under $100 Million in Assets

  • Top 50 National Banks

  • Top 50 State-Chartered Commercial Banks

  • Top 50 Savings Banks

  • Top 50 Savings Associations

  • Top 50 Banks and Thrifts Ranked by Separate Account Life Insurance Assets (SALI)

  • Top 50 Banks and Thrifts Ranked by General Account Life Insurance Assets (GALI)

  • Top 50 Banks and Thrifts Ranked by Hybrid Account Life Insurance Assets (HALI)

  • Top 50 Banks Nationally by Total BOLI Holdings - Identifying GALI, SALI and HALI Assets in Dollars and as a Percent of Total BOLI Assets

  • Top 50 Banks and Thrifts Over $10 Billion in Assets Ranked by Total BOLI Holdings - Identifying GALI, SALI and HALI Assets in Dollars and as a Percent of Total BOLI Assets

  • Top 50 Banks and Thrifts Between $1-$10 Billion in Assets Ranked by Total BOLI Holdings - Identifying GALI, SALI and HALI Assets in Dollars and as a Percent of Total BOLI Assets

  • Top 50 Banks and Thrifts Between $500 Million-$1 Billion in Assets Ranked by Total BOLI Holdings - Identifying GALI, SALI and HALI Assets in Dollars and as a Percent of Total BOLI Assets

  • Top 50 Banks and Thrifts Between $300-$500 Million in Assets Ranked by Total BOLI Holdings - Identifying GALI, SALI and HALI Assets in Dollars and as a Percent of Total BOLI Assets

  • Top 50 Banks and Thrifts Between $100-$300 Million in Assets Ranked by Total BOLI Holdings - Identifying GALI, SALI and HALI Assets in Dollars and as a Percent of Total BOLI Assets

  • Top 50 Banks and Thrifts Under $100 Million in Assets Ranked by Total BOLI Holdings - Identifying GALI, SALI and HALI Assets in Dollars and as a Percent of Total BOLI Assets

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