Supervisors Symposium - December 2023
Internal Use Only
ROAA and efficiency ratio show similar earnings concerns . . .
Efficiency Ratio
ROAA
90.00
1.40
Industry
Industry
80.00
1.20
70.00
Mid ‐ Atlantic
Mid ‐ Atlantic
1.00
60.00
Mid ‐ West
Mid ‐ West
0.80
50.00
40.00
North ‐ East
North ‐ East
0.60
30.00
South ‐ East
South ‐ East
0.40
20.00
0.20
South ‐ West
South ‐ West
10.00
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
ROAA
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 0.91 0.88 1.00 1.15 1.11 1.05 1.01 0.97 0.88 0.83 0.92 1.01 1.01 0.88 0.81 0.78 0.84 0.85 0.99 1.13 1.04 1.01 0.98 0.95 0.82 0.59 0.63 0.73 0.90 0.61 0.55 0.46 0.92 0.88 1.04 1.18 1.14 1.08 1.05 1.04 1.04 1.03 1.16 1.32 1.32 1.31 1.26 1.19 1.03 0.95 1.04 1.16 1.23 1.08 1.02 0.99
Efficiency Ratio
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 68.53 67.97 64.52 61.85 63.55 64.16 65.32 65.89 67.03 67.90 66.17 62.71 64.73 66.48 67.17 68.39 68.65 68.04 64.61 61.98 64.46 64.80 65.37 66.36 75.22 73.36 71.05 68.93 70.11 74.95 77.44 79.35 69.36 68.21 64.58 62.54 63.32 64.20 65.24 65.03 67.21 66.96 63.33 60.19 61.06 60.81 61.54 62.07 63.30 63.25 61.10 59.04 58.44 61.27 62.95 63.12
Industry
‐ 0.04 ‐ 0.03 ‐ 0.03 ‐ 0.09 ‐ 0.01 ‐ 0.07 ‐ 0.03
‐ 0.18 ‐ 0.23 ‐ 0.18 ‐ 0.27 ‐ 0.14 ‐ 0.13 ‐ 0.17
Industry
0.57 1.22 0.99 ‐ 0.20 0.53 0.17
4.04 5.68 4.38 2.49 1.89 4.08
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
1.91 10.42
West
West
49
Source: Call Report Data
© 2023 –FinPro, Inc.
49
Internal Use Only
Noninterest Income continues its long term decline and interestingly, banks have not reduced expenses as of yet . . .
Non Interest Expense/ AA
Non Interest Income/ AA
3.00
0.70
Industry
Industry
0.60
2.50
Mid ‐ Atlantic
Mid ‐ Atlantic
0.50
2.00
Mid ‐ West
Mid ‐ West
0.40
1.50
North ‐ East
North ‐ East
0.30
1.00
South ‐ East
South ‐ East
0.20
0.50
0.10
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
Non Interest Income/ AA
Change QoQ
Change YoY
Non Interest Expense/ AA Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West Industry
Change QoQ
Change YoY
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 0.51 0.46 0.46 0.43 0.41 0.40 0.43 0.42 0.46 0.41 0.41 0.38 0.37 0.35 0.38 0.38 0.48 0.43 0.42 0.41 0.38 0.37 0.39 0.39 0.52 0.43 0.43 0.40 0.36 0.38 0.40 0.38 0.59 0.55 0.57 0.51 0.46 0.49 0.51 0.53 0.54 0.50 0.50 0.48 0.47 0.46 0.48 0.48 0.45 0.43 0.38 0.34 0.32 0.31 0.34 0.35
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 2.49 2.33 2.35 2.41 2.52 2.46 2.46 2.48 2.31 2.27 2.26 2.32 2.41 2.36 2.34 2.39 2.44 2.27 2.28 2.33 2.46 2.38 2.39 2.39 2.64 2.46 2.48 2.49 2.54 2.49 2.44 2.42 2.66 2.45 2.48 2.56 2.69 2.59 2.62 2.62 2.59 2.42 2.47 2.50 2.66 2.57 2.60 2.63 2.31 2.23 2.27 2.33 2.41 2.50 2.49 2.47
Industry
0.00 0.00 0.00 ‐ 0.02 0.03 0.00 0.01
‐ 0.01 0.00 ‐ 0.02 ‐ 0.02 0.03 0.00 0.01
0.02 0.05 0.00 ‐ 0.02 0.00 0.02 ‐ 0.02
0.07 0.08 0.06 ‐ 0.07 0.06 0.13 0.14
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
West
West
50
Source: Call Report Data
© 2023 –FinPro, Inc.
50
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