Hilltop Holdings Results Presentation Deck
Hilltop Holdings – Q2 2023 Liquidity Update
($ in millions, at period end)
FHLB Capacity
a
Available Liquidity¹
Investment Portfolio (available)
Fed Deposits (excess daily requirements)
Total
Available liquidity from Fed discount window
Total available Liquidity
16%
25%
Through the Cycle Interest-Bearing Deposit Beta²
41%
$
44%
58%
3,945
1,688
1,424
7,057
Increased deposit rates in Q2 2023 to bring high balance deposit
accounts more in line with peers
191
7,248
Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023
Marginal beta expectations of 75% - 100% for any additional Fed rate
changes
Notes:
(1) Available liquidity is net of utilization.
(2) Deposit beta on PlainsCapital Bank deposits excluding HTS sweep and brokered deposits.
●
Total available liquidity totaled ~$7.2 billion at June 30, 2023
Uninsured deposits, excluding collateralized deposits of $350.7
million, were $4.1 billion, or approximately 37% of total deposits
($ in billions)
$12.3
0.2%
Q2 2022
Current Themes
Deposit Average Balance and Costs
$11.7
0.4%
$11.4
1.0%
Q3 2022 Q4 2022
Deposit Avg Bal
1.3%
$11.0
Q1 2023
Deposit Costs
1.9%
$11.3
Q2 2023
Hilltop Holdings.View entire presentation