Supervisors Symposium - December 2023
Internal Use Only
And we have not seen improvement in the non interest expense less non interest income ratio . . .
(Non Interest Expense ‐ Non Interest Income)/AA
2.50
Industry
2.00
Mid ‐ Atlantic
Mid ‐ West
1.50
North ‐ East
1.00
South ‐ East
0.50
South ‐ West
0.00
West
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
(Non Interest Expense ‐ Non Interest Income)/AA 2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
Change YoY
Change QoQ
Industry
1.84 1.77 1.78 1.98 2.03 1.95 1.94 1.94 1.85 1.86 1.85 1.94 2.04 2.01 1.96 2.01 1.96 1.84 1.86 1.92 2.08 2.01 2.00 2.00 2.12 2.03 2.04 2.09 2.18 2.11 2.04 2.04 2.07 1.90 1.91 2.05 2.23 2.10 2.11 2.09 2.05 1.92 1.97 2.02 2.19 2.11 2.12 2.15 1.86 1.80 1.89 1.99 2.09 2.19 2.15 2.12
‐ 0.01 0.05 0.00 0.00 ‐ 0.03 0.02 ‐ 0.03
‐ 0.04 0.07 0.08 ‐ 0.05 0.03 0.13 0.13
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
West
51
Source: Call Report Data
© 2023 –FinPro, Inc.
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Internal Use Only
Capital indicators display strength in the banking industry . . .
Tier 1 (Core) Capital / Risk ‐ Weighted Assets
Tier 1 (Core) Capital / Average Total Assets
16.00
10.00 10.20 10.40 10.60 10.80 11.00 11.20
Industry
Industry
15.50
Mid ‐ Atlantic
Mid ‐ Atlantic
15.00
Mid ‐ West
Mid ‐ West
14.50
North ‐ East
North ‐ East
14.00
9.00 9.20 9.40 9.60 9.80
South ‐ East
13.50
South ‐ East
13.00
South ‐ West
South ‐ West
12.50
West
West
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
Tier 1 (Core) Capital / Risk ‐ Weighted Assets
Tier 1 (Core) Capital / Average Total Assets 2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
Change QoQ
Change YoY
Change QoQ
Change YoY
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 14.87 14.81 14.50 14.47 14.22 14.30 14.25 14.26 15.19 15.01 14.95 14.89 14.63 14.56 14.49 14.65 14.51 14.62 14.17 13.98 13.75 13.89 13.66 13.61 14.83 14.49 14.08 13.97 13.67 13.81 13.63 13.65 14.95 14.77 14.52 14.49 14.34 14.34 14.27 14.27 15.44 15.38 15.29 15.37 15.21 15.39 15.41 15.60 15.01 14.88 14.68 14.64 14.71 14.87 14.71 14.91
Industry
9.96 9.90 10.02 10.20 10.30 10.38 10.51 10.63 9.98 10.12 10.19 10.44 10.45 10.42 10.45 10.56 9.95 9.85 9.99 10.11 10.21 10.19 10.35 10.43 10.34 10.40 10.45 10.37 10.35 10.45 10.50 10.58 9.89 9.84 9.96 10.20 10.35 10.37 10.49 10.72 10.06 9.95 10.05 10.30 10.39 10.58 10.73 10.97 9.77 9.89 10.00 10.31 10.40 10.72 10.83 11.03
0.13 0.11 0.08 0.08 0.24 0.24 0.20
0.43 0.12 0.32 0.22 0.52 0.67 0.72
Industry
0.01 0.16 ‐ 0.05 0.02 0.00 0.19 0.20
‐ 0.21 ‐ 0.24 ‐ 0.37 ‐ 0.32 ‐ 0.22 0.24 0.28
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
West
West
52
Source: Call Report Data
© 2023 –FinPro, Inc.
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