Hilltop Holdings Results Presentation Deck
Hilltop Holdings – 2024 Outlook
17
Loan Growth
(Full year average HFI loan growth)
Deposit Growth
(Full year average deposit growth)
Net Interest Income
Noninterest Income
Noninterest Expense
Provision Expense / (Reversal)
Effective Tax Rate (GAAP)
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• NII decline of 3 - 7% driven by higher average deposits costs in 2024 (including broker
dealer sweep deposits)
Outlook assumes Fed Funds rates remain stable until the fourth quarter (market dependent)
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Outlook
Full year average bank loan growth 0% -2% (before retained mortgages from PrimeLending
and mortgage warehouse lending)
Expect to retain $0 – $20 million per month of mortgages from PrimeLending
Expecting decline of 0% - 5% driven by elevated market pricing and competition (excluding
Brokered Deposit and broker dealer sweep deposits)
Migration of NIB deposits expected to continue into IB products
Expecting NIB to comprise 26 – 29% of total Deposits at year-end 2024
Mortgage gain on sale margins remain pressured - full year average 175 - 195 bps (third
party sales)
Mortgage origination volume $8 - $10 billion
Broker Dealer fees decrease 0% - 5%
Non-variable expenses decline 1% - 3%
Variable expenses to follow revenue contribution from fee businesses
Full year provision / avg loans HFI: 20 - 40 basis points
22 - 24% full year basis
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