Economic Indicators

Cost of Funds Index - 11th District

Last Updated 7/11/2014

The Cost of Funds Index (COFI) for the 11th District reflects the interest expenses reported for a given month by the COFI Reporting Members’ various sources of funds. Only Arizona, California, and Nevada savings institutions that are members of the Federal Home Loan Bank of San Francisco are eligible to be considered for inclusion in the COFI. The Bank reserves the right to determine what type of institution satisfies its criteria for inclusion in the COFI and its criteria may change in the future to reflect changes in relevant law. The COFI is a ratio of monthly interest expenses to total funds, adjusted for variation in the number of days in that month, annualized and expressed as a percentage. The movement of COFI is affected by a number of factors, such as changes in market interest rates, the sources of funds used by the COFI Reporting Members, merger and acquisition activities, and changes in accounting rules or regulatory reporting instructions.

Jul-81 
11.848 Aug-81 
12.029 Sep-81 
12.325 Oct-81 
12.293 Nov-81 
12.469 Dec-81 
12.182 Jan-82 
11.95 Feb-82 
12.341 Mar-82 
12.14 Apr-82 
12.168 May-82 
12.167 Jun-82 
12.673 Jul-82 
12.234 Aug-82 
11.957 Sep-82 
11.766 Oct-82 
11.286 Nov-82 
11.042 Dec-82 
11.093 Jan-83 
10.462 Feb-83 
10.423 Mar-83 
9.873 Apr-83 
9.807 May-83 
9.626 Jun-83 
9.824 Jul-83 
9.676 Aug-83 
9.969 Sep-83 
9.996 Oct-83 
9.997 Nov-83 
10.03 Dec-83 
10.192 Jan-84 
10.032 Feb-84 
10.172 Mar-84 
9.982 Apr-84 
10.135 May-84 
10.26 Jun-84 
10.434 Jul-84 
10.712 Aug-84 
10.857 Sep-84 
11.039 Oct-84 
10.994 Nov-84 
10.891 Dec-84 
10.52 Jan-85 
10.217 Feb-85 
10.16 Mar-85 
9.976 Apr-85 
9.872 May-85 
9.704 Jun-85 
9.565 Jul-85 
9.365 Aug-85 
9.273 Sep-85 
9.129 Oct-85 
9.027 Nov-85 
9.036 Dec-85 
8.867 Jan-86 
8.77 Feb-86 
8.964 Mar-86 
8.744 Apr-86 
8.587 May-86 
8.441 Jun-86 
8.374 Jul-86 
8.196 Aug-86 
8.018 Sep-86 
7.901 Oct-86 
7.717 Nov-86 
7.602 Dec-86 
7.509 Jan-87 
7.396 Feb-87 
7.448 Mar-87 
7.314 Apr-87 
7.245 May-87 
7.223 Jun-87 
7.274 Jul-87 
7.275 Aug-87 
7.277 Sep-87 
7.394 Oct-87 
7.444 Nov-87 
7.562 Dec-87 
7.645 Jan-88 
7.615 Feb-88 
7.647 Mar-88 
7.509 Apr-88 
7.519 May-88 
7.497 Jun-88 
7.618 Jul-88 
7.593 Aug-88 
7.659 Sep-88 
7.847 Oct-88 
7.828 Nov-88 
7.914 Dec-88 
8.022 Jan-89 
8.125 Feb-89 
8.346 Mar-89 
8.423 Apr-89 
8.648 May-89 
8.797 Jun-89 
8.923 Jul-89 
8.844 Aug-89 
8.763 Sep-89 
8.807 Oct-89 
8.643 Nov-89 
8.595 Dec-89 
8.476 Jan-90 
8.369 Feb-90 
8.403 Mar-90 
8.258 Apr-90 
8.211 May-90 
8.171 Jun-90 
8.086 Jul-90 
8.109 Aug-90 
8.075 Sep-90 
8.091 Oct-90 
8.05 Nov-90 
8.044 Dec-90 
7.963 Jan-91 
7.858 Feb-91 
7.848 Mar-91 
7.654 Apr-91 
7.501 May-91 
7.329 Jun-91 
7.155 Jul-91 
6.998 Aug-91 
6.845 Sep-91 
6.714 Oct-91 
6.566 Nov-91 
6.414 Dec-91 
6.245 Jan-92 
6.002 Feb-92 
5.8 Mar-92 
5.611 Apr-92 
5.427 May-92 
5.29 Jun-92 
5.258 Jul-92 
5.069 Aug-92 
4.874 Sep-92 
4.805 Oct-92 
4.597 Nov-92 
4.508 Dec-92 
4.432 Jan-93 
4.36 Feb-93 
4.333 Mar-93 
4.245 Apr-93 
4.171 May-93 
4.103 Jun-93 
4.05 Jul-93 
3.998 Aug-93 
3.958 Sep-93 
3.881 Oct-93 
3.823 Nov-93 
3.822 Dec-93 
3.879 Jan-94 
3.71 Feb-94 
3.687 Mar-94 
3.629 Apr-94 
3.672 May-94 
3.726 Jun-94 
3.804 Jul-94 
3.86 Aug-94 
3.945 Sep-94 
4.039 Oct-94 
4.187 Nov-94 
4.367 Dec-94 
4.589 Jan-95 
4.747 Feb-95 
4.925 Mar-95 
5.007 Apr-95 
5.064 May-95 
5.141 Jun-95 
5.179 Jul-95 
5.144 Aug-95 
5.133 Sep-95 
5.111 Oct-95 
5.116 Nov-95 
5.119 Dec-95 
5.059 Jan-96 
5.033 Feb-96 
4.975 Mar-96 
4.874 Apr-96 
4.841 May-96 
4.823 Jun-96 
4.809 Jul-96 
4.819 Aug-96 
4.839 Sep-96 
4.834 Oct-96 
4.839 Nov-96 
4.835 Dec-96 
4.842 Jan-97 
4.821 Feb-97 
4.759 Mar-97 
4.78 Apr-97 
4.822 May-97 
4.864 Jun-97 
4.853 Jul-97 
4.887 Aug-97 
4.904 Sep-97 
4.941 Oct-97 
4.957 Nov-97 
4.949 Dec-97 
4.963 Jan-98 
4.987 Feb-98 
4.968 Mar-98 
4.917 Apr-98 
4.903 May-98 
4.881 Jun-98 
4.881 Jul-98 
4.911 Aug-98 
4.899 Sep-98 
4.882 Oct-98 
4.762 Nov-98 
4.691 Dec-98 
4.655 Jan-99 
4.608 Feb-99 
4.562 Mar-99 
4.519 Apr-99 
4.49 May-99 
4.48 Jun-99 
4.504 Jul-99 
4.5 Aug-99 
4.562 Sep-99 
4.608 Oct-99 
4.666 Nov-99 
4.773 Dec-99 
4.852 Jan-00 
4.901 Feb-00 
4.967 Mar-00 
5.002 Apr-00 
5.078 May-00 
5.196 Jun-00 
5.357 Jul-00 
5.456 Aug-00 
5.509 Sep-00 
5.548 Oct-00 
5.589 Nov-00 
5.607 Dec-00 
5.617 Jan-01 
5.514 Feb-01 
5.426 Mar-01 
5.198 Apr-01 
4.946 May-01 
4.745 Jun-01 
4.498 Jul-01 
4.274 Aug-01 
4.106 Sep-01 
3.974 Oct-01 
3.628 Nov-01 
3.368 Dec-01 
3.074 Jan-02 
2.823 Feb-02 
2.744 Mar-02 
2.653 Apr-02 
2.723 May-02 
2.772 Jun-02 
2.847 Jul-02 
2.821 Aug-02 
2.763 Sep-02 
2.759 Oct-02 
2.708 Nov-02 
2.537 Dec-02 
2.375 Jan-03 
2.308 Feb-03 
2.257 Mar-03 
2.21 Apr-03 
2.208 May-03 
2.13 Jun-03 
2.113 Jul-03 
2.018 Aug-03 
1.946 Sep-03 
1.923 Oct-03 
1.909 Nov-03 
1.821 Dec-03 
1.902 Jan-04 
1.811 Feb-04 
1.841 Mar-04 
1.815 Apr-04 
1.802 May-04 
1.708 Jun-04 
1.758 Jul-04 
1.816 Aug-04 
1.875 Sep-04 
1.931 Oct-04 
1.96 Nov-04 
2.025 Dec-04 
2.118 Jan-05 
2.183 Feb-05 
2.317 Mar-05 
2.4 Apr-05 
2.515 May-05 
2.622 Jun-05 
2.676 Jul-05 
2.757 Aug-05 
2.87 Sep-05 
2.972 Oct-05 
3.074 Nov-05 
3.19 Dec-05 
3.296 Jan-06 
3.347 Feb-06 
3.604 Mar-06 
3.624 Apr-06 
3.759 May-06 
3.884 Jun-06 
4.09 Jul-06 
4.177 Aug-06 
4.277 Sep-06 
4.382 Oct-06 
4.346 Nov-06 
4.358 Dec-06 
4.396 Jan-07 
4.392 Feb-07 
4.376 Mar-07 
4.299 Apr-07 
4.224 May-07 
4.293 Jun-07 
4.283 Jul-07 
4.277 Aug-07 
4.359 Sep-07 
4.383 Oct-07 
4.233 Nov-07 
4.172 Dec-07 
4.072 Jan-08 
3.97 Feb-08 
3.56 Mar-08 
3.28 Apr-08 
3.111 May-08 
2.918 Jun-08 
2.829 Jul-08 
2.698 Aug-08 
2.693 Sep-08 
2.769 Oct-08 
3.125 Nov-08 
3.155 Dec-08 
2.757 Jan-09 
2.455 Feb-09 
2.003 Mar-09 
1.627 Apr-09 
1.38 May-09 
1.832 Jun-09 
1.599 Jul-09 
1.473 Aug-09 
1.412 Sep-09 
1.272 Oct-09 
1.259 Nov-09 
2.094 Dec-09 
1.828 Jan-10 
1.786 Feb-10 
1.614 Mar-10 
1.859 Apr-10 
1.825 May-10 
1.791 Jun-10 
1.797 Jul-10 
1.753 Aug-10 
1.713 Sep-10 
1.663 Oct-10 
1.654 Nov-10 
1.571 Dec-10 
1.508 Jan-11 
1.484 Feb-11 
1.469 Mar-11 
1.452 Apr-11 
1.359 May-11 
1.36 Jun-11 
1.338 Jul-11 
1.35 Aug-11 
1.316 Sep-11 
1.276 Oct-11 
1.218 Nov-11 
1.201 Dec-11 
1.221 Jan-12 
1.224 Feb-12 
1.206 Mar-12 
1.163 Apr-12 
1.14 May-12 
1.118 Jun-12 
1.116 Jul-12 
1.094 Aug-12 
1.069 Sep-12 
1.038 Oct-12 
1.011 Nov-12 
1 Dec-12 
1.071 Jan-13 
0.962 Feb-13 
0.999 Mar-13 
0.967 Apr-13 
0.97 May-13 
0.951 Jun-13 
0.954 Jul-13 
0.954 Aug-13 
0.956 Sep-13 
0.957 Oct-13 
0.963 Nov-13 
0.783 Dec-13 
0.784 Jan-14 
0.768 Feb-14 
0.709 Mar-14 
0.701 Apr-14 
0.682 May-14 
0.667
Source: Federal Home Loan Bank of San Francisco
Measured: Monthly
FINANCE CALENDAR
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