Investor Presentaiton
Net Interest Margin Dynamics
Net interest margin of 3.07%; FTE net interest margin of
3.24%, a decrease of 5 bps
Money market and investment securities are 48% of
Total Loans and Deposits ($ in billions)¹
53%
54%
52%
52%
$65
$64
$63
$61
$61
earning assets
49%
FTE loan yield increased 9 bps QoQ to 7.24%
$32
$32
$32
$33
$34
•
Total deposit cost increased 27 bps QoQ to 1.84%
Money Market and Investment Securities ($ in billions)¹
Q3 2022
Q4 2022
Total Loans
Q1 2023
Total Deposits
Q2 2023
Q3 2023
Loans to Deposits
Loan Yields, Deposit Cost and NIM (FTE)
7.15
7.24
6.97
6.70
6.39
52%
50%
50%
51%
48%
$4
$9
$6
$6
$6
3.71
3.64
3.46
3.29
3.24
2.95
2.70
2.65
2.63
2.31
1.84
1.57
1.28
0.89
0.38
$30
Q3 2022
$27
$26
Q4 2022
Q1 2023
$26
Q2 2023
$26
Q3 2023
Investment Securities
Money Market and Investment Securities Yield (FTE)
I Money Market Investments
Money Market and Investments to Earning Assets
Q3 2022
Q4 2022
Loan Yield (FTE)
Q1 2023
Total Deposit Cost
Q2 2023
Q3 2023
Net Interest Margin (FTE)
1 Balances are as of end of period
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