Supervisors Symposium - December 2023
Internal Use Only
Yields continue to expand upwards on both investments (interest bearing cash and investments combined) as well as loans . . .
Yield on Loans
Yield on Investments
7.00
3.50
Industry
Industry
6.00
3.00
Mid ‐ Atlantic
Mid ‐ Atlantic
5.00
2.50
Mid ‐ West
Mid ‐ West
4.00
2.00
North ‐ East
North ‐ East
3.00
1.50
South ‐ East
2.00
South ‐ East
1.00
0.50
1.00
South ‐ West
South ‐ West
0.00
0.00
West
West
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
Change QoQ
Change YoY
Change QoQ
Change YoY
Yield on Investments 2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
Yield on Loans
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 4.89 4.64 4.72 4.93 5.18 5.32 5.62 5.89 4.31 4.16 4.20 4.45 4.77 4.88 5.07 5.26 4.77 4.55 4.60 4.81 5.05 5.19 5.49 5.75 4.04 3.89 3.91 4.12 4.37 4.49 4.65 4.85 5.11 4.91 4.96 5.14 5.38 5.56 5.87 6.14 5.41 5.17 5.26 5.51 5.80 5.93 6.25 6.55 5.09 4.78 4.90 5.13 5.42 5.55 5.88 6.03
Industry
1.03 1.09 1.39 1.92 2.28 2.41 2.55 2.61 0.92 1.03 1.40 2.01 2.57 2.72 2.88 2.95 1.10 1.14 1.40 1.84 2.13 2.20 2.34 2.41 1.12 1.29 1.59 2.09 2.46 2.56 2.81 2.78 0.99 1.06 1.39 1.97 2.39 2.53 2.75 2.79 0.96 1.02 1.35 1.94 2.34 2.50 2.66 2.80 0.83 0.90 1.31 1.98 2.55 2.87 3.10 3.26
0.06 0.07 0.07 ‐ 0.03 0.04 0.14 0.16
0.69 0.95 0.57 0.68 0.82 0.87 1.28
Industry
0.27 0.20 0.26 0.20 0.27 0.31 0.15
0.96 0.81 0.94 0.73 1.00 1.04 0.90
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
West
West
Note the weakness in the Northeast!
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Source: Call Report Data
© 2023 –FinPro, Inc.
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Internal Use Only
Yield on Assets is also climbing . . .
Yield on Earning Assets
6.00
Industry
5.00
Mid ‐ Atlantic
4.00
Mid ‐ West
3.00
North ‐ East
2.00
South ‐ East
1.00
South ‐ West
0.00
West
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
Yield on Earning Assets
Change QoQ
Change YoY
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 3.41 3.26 3.45 3.82 4.19 4.37 4.65 4.87 3.24 3.18 3.33 3.69 4.07 4.33 4.55 4.74 3.37 3.20 3.39 3.74 4.06 4.22 4.51 4.71 3.25 3.20 3.33 3.60 3.88 4.03 4.23 4.41 3.57 3.43 3.60 4.02 4.37 4.59 4.88 5.09 3.55 3.42 3.63 4.08 4.50 4.73 5.02 5.27 3.36 3.21 3.51 3.93 4.39 4.59 4.90 5.07
Industry
0.22 0.19 0.21 0.18 0.21 0.25 0.17
1.05 1.05 0.97 0.81 1.07 1.19 1.14
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
West
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Source: Call Report Data
© 2023 –FinPro, Inc.
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