Supervisors Symposium - December 2023
Internal Use Only
And the growth in loans has reduced total risk based capital ratios . . .
Risk Based Capital / Risk ‐ Weighted Assets
Tangible Equity / Tangible Assets
17.00
12.00
Industry
Industry
16.50
10.00
Mid ‐ Atlantic
Mid ‐ Atlantic
16.00
8.00
Mid ‐ West
Mid ‐ West
15.50
6.00
North ‐ East
North ‐ East
15.00
4.00
South ‐ East
14.50
South ‐ East
2.00
14.00
South ‐ West
South ‐ West
0.00
13.50
West
West
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
Risk Based Capital / Risk ‐ Weighted Assets
Tangible Equity / Tangible Assets
Change QoQ
Change YoY
Change QoQ
Change YoY
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 9.88 9.02 8.63 8.37 8.61 8.86 8.86 8.72 9.87 9.47 9.34 9.16 9.22 9.30 9.31 9.22 9.90 8.97 8.46 8.12 8.36 8.65 8.56 8.30 10.20 9.73 9.27 8.91 9.18 9.25 9.13 9.03 9.81 8.89 8.37 8.33 8.57 8.76 8.88 8.77 9.91 8.97 8.66 8.53 8.81 9.03 9.10 9.09 9.64 9.10 8.90 9.00 9.48 9.51 9.69 9.83
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 15.95 15.93 15.62 15.54 15.31 15.42 15.36 15.33 16.17 16.13 16.05 15.98 15.78 15.67 15.56 15.70 15.61 15.65 15.34 15.09 14.78 14.98 14.72 14.80 15.89 15.61 14.97 14.83 14.73 14.90 14.73 14.77 15.98 15.84 15.63 15.44 15.36 15.45 15.37 15.36 16.60 16.59 16.36 16.38 16.34 16.41 16.54 16.62 15.92 16.13 15.87 15.89 15.74 15.95 15.99 16.13
Industry
‐ 0.14 ‐ 0.09 ‐ 0.26 ‐ 0.10 ‐ 0.11 ‐ 0.01 0.14
0.35 0.06 0.18 0.13 0.44 0.57 0.82
Industry
‐ 0.03 0.14 0.08 0.04 0.00 0.08 0.14
‐ 0.21 ‐ 0.29 ‐ 0.29 ‐ 0.06 ‐ 0.08 0.24 0.24
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
West
West
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Source: Call Report Data
© 2023 –FinPro, Inc.
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Internal Use Only
Regardless of Regulatory concern, so far Asset quality is holding . . .
Total Delinquencies / Total Loans
Nonaccrual/Total Loans
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 0.27 0.24 0.21 0.19 0.18 0.18 0.18 0.20 0.44 0.42 0.38 0.35 0.32 0.33 0.32 0.33 0.22 0.20 0.17 0.16 0.15 0.15 0.15 0.16 0.34 0.33 0.28 0.25 0.23 0.23 0.23 0.24 0.30 0.27 0.24 0.24 0.22 0.22 0.21 0.24 0.26 0.22 0.19 0.17 0.16 0.17 0.17 0.19 0.22 0.20 0.18 0.16 0.13 0.15 0.16 0.18 0.00 0.05 0.10 0.15 0.20 0.25 0.30 0.35 0.40 0.45 0.50 2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 0.72 0.75 0.64 0.61 0.64 0.65 0.64 0.70 0.85 0.85 0.74 0.68 0.77 0.72 0.72 0.78 0.67 0.71 0.63 0.59 0.62 0.65 0.63 0.68 0.52 0.53 0.44 0.43 0.46 0.42 0.47 0.48 0.84 0.87 0.76 0.69 0.75 0.71 0.69 0.73 0.83 0.84 0.70 0.70 0.73 0.77 0.76 0.86 0.50 0.48 0.42 0.38 0.40 0.41 0.42 0.46 0.00 0.10 0.20 0.30 0.40 0.50 0.60 0.70 0.80 0.90 1.00 2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
Industry
Industry
Mid ‐ Atlantic
Mid ‐ Atlantic
Mid ‐ West
Mid ‐ West
North ‐ East
North ‐ East
South ‐ East
South ‐ East
South ‐ West
South ‐ West
West
West
Total Delinquencies / Total Loans
Change QoQ
Change YoY
Nonaccrual/Total Loans
Change QoQ
Change YoY
Industry
0.06 0.06 0.05 0.01 0.04 0.10 0.04
0.09 0.10 0.09 0.05 0.04 0.16 0.08
Industry
0.02 0.01 0.01 0.01 0.03 0.02 0.02
0.01 ‐ 0.02 0.00 ‐ 0.01 0.00 0.02 0.02
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
West
West
54
Source: Call Report Data
© 2023 –FinPro, Inc.
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