Listen in as our analysts discuss an array of topics that may be affecting your institution, including recent market movements and industry-wide commentary. These briefings can serve as educational tools for both boards and management.
February 10, 2023 —For this briefing, Jamie Sumner, chief analyst, reviews the 4Q performance of the community bank benchmark group. Overall, the net interest margin continued to increase, despite a jump in deposit costs, and net PPP loan growth was greater than 3%. On the funding side, we saw a net outflow of non-brokered deposits, which increased the need for wholesale funding. The average ROAA decreased 4 basis points, fueled primarily by the increase in noninterest expense. As for the S&B Total Risk Index, our measure of total risk increased slightly quarter over quarter as capital and liquidity risk increased.
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November 11, 2022 —For this briefing, Jamie Sumner, chief analyst, reviews the 3Q performance of the community bank benchmark group. Overall, earnings are up, and net PPP loan growth was greater than 4%. The average ROAA increased 15 basis points, fueled primarily by the increase in net interest margin. As for the S&B Total Risk Index, our measure of total risk increased slightly quarter over quarter as capital and liquidity risk increased.
October 26, 2022 —For this briefing, John-Carl Brew, Director of Municipal Credit Analytics, reviews S&B's municipal credit analytics and outlook for municipal credit risk.
October 19, 2022 —For this briefing, Jamie Sumner, chief analyst, reviews the movements in rates in 2022 and the impact on bank balance sheets. Additionally, Jamie reviews S&B's municipal credit analytic services and the importance of measuring and monitoring the credit risk in the bond portfolio.
August 9, 2022 —For this briefing, Jamie Sumner, chief analyst, reviews the 2Q performance of the community bank benchmark group. Overall, earnings improved, and net PPP loan growth was greater than 5.6%. The average ROAA increased to over 1%, fueled primarily by an improvement in net interest margin. As for the S&B Total Risk Index, our measure of total risk increased slightly quarter over quarter.
May 11, 2022 —For this briefing, Jamie Sumner, chief analyst, reviews the 1Q performance of the community bank benchmark group. Overall, earnings declined slightly, and net PPP loan growth was greater than 2%. The average ROAA decreased 3 basis points, fueled primarily by a decline in net interest margin and noninterest income. As for the S&B Total Risk Index, our measure of total risk increased slightly quarter over quarter.
February 18, 2022 —For this briefing, Jamie Sumner, chief analyst, reviews the 4Q performance of the community bank benchmark group. Overall, earnings declined, and net PPP loan growth was greater than 2%. The average ROAA decreased 25 basis points, fueled primarily by a decline in net interest income and noninterest income. As for the S&B Total Risk Index, our measure of total risk improved slightly quarter over quarter as the increase in earnings at risk was offset by declines in the levels of capital, credit, and liquidity risk.
January 28, 2022 —For this briefing, Jamie Sumner, chief analyst, reviews the 4th Quarter GDP Release and comments on the Fed statement and the projection of interest rates.