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ARM Indexes: Monthly Median Annualized Cost of Funds, 1990s (explanation)

Source: Office of Thrift Supervision

Alias "National Average Cost of Funds Ratio to OTS-Regulated, SAIF-Insured Institutions"

Announcement Date Index Month Index Value
January 18, 1991 September 1990 7.59
February 15, 1991 October 1990 7.63
February 21, 1991 November 1990 7.59
March 15, 1991 December 1990 7.54
April 10, 1991 January 1991 7.48
April 15, 1991 February 1991 7.33
May 20, 1991 March 1991 7.30
June 14, 1991 April 1991 7.16
July 15, 1991 May 1991 7.07
August 21, 1991 June 1991 6.94
September 19, 1991 July 1991 6.85
October 15, 1991 August 1991 6.76
November 15, 1991 September 1991 6.61
December 16, 1991 October 1991 6.53

Announcement Date Index Month Index Value
January 15, 1992 November 1991 6.40
February 18, 1992 December 1991 6.25
March 16,1992 January 1992 6.01
April 15, 1992 February 1992 5.78
May 15, 1992 March 1992 5.63
June 15, 1992 April 1992 5.48
July 15, 1992 May 1992 5.38
August 17, 1992 June 1992 5.25
September 15, 1992 July 1992 5.13
October 15, 1992 August 1992 4.98
November 16, 1992 September 1992 4.84
December 15, 1992 October 1992 4.74

Announcement Date Index Month Index Value
January 15, 1993 November 1992 4.59
February 17, 1993 December 1992 4.51
March 16, 1993 January 1993 4.44
April 15, 1993 February 1993 4.34
May 18, 1993 March 1993 4.31
June 15, 1993 April 1993 4.24
July 15, 1993 May 1993 4.18
August 16, 1993 June 1993 4.10
September 15, 1993 July 1993 4.09
October 15, 1993 August 1993 4.04
November 15, 1993 September 1993 3.96
December 15, 1993 October 1993 3.95

Announcement Date Index Month Index Value
January 14, 1994 November 1993 3.90
February 15, 1994 December 1993 3.90
March 15, 1994 January 1994 3.87
April 15, 1994 February 1994 3.76
May 13, 1994 March 1994 3.81
June 15, 1994 April 1994 3.81
July 15, 1994 May 1994 3.85
August 15, 1994 June 1994 3.86
September 15, 1994 July 1994 3.91
October 14, 1994 August 1994 3.97
November 15, 1994 September 1994 4.01
December 15, 1994 October 1994 4.11

Announcement Date Index Month Index Value
January 13, 1995 November 1994 4.17
February 15, 1995 December 1994 4.32
March 15, 1995 January 1995 4.44
April 14, 1995 February 1995 4.49
May 15, 1995 March 1995 4.69
June 16, 1995 April 1995 4.79
July 14, 1995 May 1995 4.91
August 15, 1995 June 1995 4.93
September 15, 1995 July 1995 4.98
October 13, 1995 August 1995 5.01
November 15, 1995 September 1995 4.98
December 15. 1995 October 1995 5.03

Announcement Date Index Month Index Value
January 12, 1996 November 1995 4.92
February 15, 1996 December 1995 5.01
March 15, 1996 January 1996 5.01
April 15, 1996 February 1996 4.90
May 15, 1996 March 1996 4.92
June 14, 1996 April 1996 4.87
July 15, 1996 May 1996 4.87
August 15, 1996 June 1996 4.82
September 13, 1996 July 1996 4.87
October 15, 1996 August 1996 4.87
November 15, 1996 September 1996 4.84
December 13, 1996 October 1996 4.89

Announcement Date Index Month Index Value
January 15, 1997 November 1996 4.76
January 24, 1997 November 1996 4.87
February 14, 1997 December 1996 4.87
March 14, 1997 January 1997 4.92
April 15, 1997 February 1997 4.79
May 15, 1997 March 1997 4.90
June 13, 1997 April 1997 4.89
July 15, 1997 May 1997 4.94
August 15, 1997 June 1997 4.90
September 15, 1997 July 1997 4.96
October 16, 1997 August 1997 4.97
November 14, 1997 September 1997 4.92
December 15, 1997 October 1997 4.98

Announcement Date Index Month Index Value
January 15, 1998 November 1997 4.93
February 13, 1998 December 1997 4.97
March 16, 1998 January 1998 4.96
April 15, 1998 February 1998 4.85
May 15, 1998 March 1998 4.92
June 15, 1998 April 1998 4.91
July 15, 1998 May 1998 4.91
August 14, 1998 June 1998 4.87
September 15, 1998 July 1998 4.90
October 15, 1998 August 1998 4.90
November 16, 1998 September 1998 4.85
December 15, 1998 October 1998 4.84

Announcement Date Index Month Index Value
January 15, 1999 November 1998 4.77
February 16, 1999 December 1998 4.74
March 15, 1999 January 1999 4.63 (1)
April 15, 1999 February 1999 4.57
May 14, 1999 March 1999 4.54
June 15, 1999 April 1999 4.53
July 15, 1999 May 1999 4.48
August 16, 1999 June 1999 4.48
September 15, 1999 July 1999 4.47
October 18, 1999 August 1999 4.46
November 15, 1999 September 1999 4.49
December 15, 1999 October 1999 4.52

Announcement Date Index Month Index Value
January 14, 2000 November 1999 4.57
February 15, 2000 December 1999 4.60


The average cost of funds ratio is defined as the sum of the period interest paid and accrued on deposits (excluding escrow deposits), FHLB advances, and other borrowings, divided by the average period balance of deposits (excluding escrow deposits), FHLB advances, and other borrow-ings. The median cost of funds is the midpoint value of individual institutions' cost of funds ratios.

The series reflects cost of funds for OTS-Regulated, SAIF Insured Institutions. The OTS does not regulate all SAIF-Insured Institutions and non-regulated institutions are not required to file Thrift Financial Reports nor monthly Cost of Funds reports.

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