Hilltop Holdings Results Presentation Deck
Hilltop Holdings – 2023 Outlook
15
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 growth 0% - 5% driven by higher interest rates
Outlook assumes Fed Funds rate peaks during second half 2023
Interest-bearing deposit betas 55 – 65% (through the cycle)
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Outlook
Full year average bank loan growth 0% -2% (excluding retained mortgages from
Prime Lending and mortgage warehouse lending)
Expect to retain $0 – $20 million per quarter of mortgages from PrimeLending
Full year average total deposits to decline 7% to 13%
Mortgage gain on sale margins full year average 195-215 bps (third party sales)
Full year mortgage origination volume $8 - $10 billion
Broker Dealer fees increase 10% - 15%
Non-variable expenses decrease 5% - 10%
Variable expenses to follow revenue contribution from fee businesses
Full year provision/ total loans HFI: 25 - 45 basis points
22 - 24% full year basis
Hilltop Holdings.View entire presentation