Office Loans Investment and Deposit Portfolio Analysis
Asset Quality Metrics
NPAs & NPLS
2.00%
1.80%
1.80%
1.60%
1.40%
1.20%
0.99%
0.94%
1.00%
0.82%
0.80%
0.60%
0.40%
0.20%
0.00%
6/30/21
6/30/22
0.51% 0.58%
0.62%
0.55%
Millions
$20.0
Northeast
BANK
Classified Commercial Loans (1)
$14.7
$15.0
$14.1
$11.9
$10.8
$10.0
$5.0
3/31/23
6/30/23
$0.0
6/30/21
■NPAs/Assets ■NPLs/Loans
Allowance for Loan Losses / Gross Loans
1.40%
1.20%
1.13%
1.00%
0.80%
0.70%
0.60%
0.40%
0.20%
0.00%
6/30/21
0.57%
0.39%
6/30/22
0.58%
0.28%
3/31/23
■ALL/Gross Loans ■ALL/Gross Loans Adjusted (2)
0.29%
0.15%
0.10%
6/30/22
3/31/23
NCOS/Average Loans (3)
0.57%
0.05%
0.04%
6/30/23
0.00%
-0.02%
-0.02%
-0.05%
6/30/21
6/30/22
3/31/23
6/30/23
0.00%
6/30/23
(1)
(2)
Classified loans includes commercial real estate and commercial and industrial loans risk rated under the Bank's internal loan rating system.
Represents allowance on originated loans divided by total originated loans.
(3)
For periods ending 6/30, calculated as trailing twelve months of net charge-offs divided by average loans for the same period; for all other periods,
calculated as current quarter's net charge-offs (annualized) divided by average loans for the same period.
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