Investor Presentation | Fourth Quarter 2023
28
Risk Grade Migration
0.8%
1.1%
1.0%
1.0%
1.2%
1.3%
Special Mention (NBV)
Q4-2022
Q4-2023
1.8%
2.0%
2.0%
2.4%
1.4%
1.5%
Pool
9.7%
8.0%
9.2%
8.8%
11.4%
12.1%
CRE Non-Owner Occupied
CRE-Owner Occupied
Multifamily
0.0% $0.0
% (min) #Loans
2.0% $43.1 24
2.6% $25.2 16
0
Diff
% (min) #Loans (min) # Loans
1.8% $39.1 9 -$3.9 -15
1.4% $13.4 13 -$11.8 -3
1.3% $12.2 3
$12.2
3
Agriculture & Farmland
8.5% $29.2
19
5.1%
$21.2
28
-$8.0
9
SFR 1-4 Term
1.4% $11.4
28
0.2% $2.0
10
-$9.4
-18
SFR HELOC and Junior Liens
0.5% $1.9
48
0.7% $2.4
38
$0.5
-10
Commercial & Industrial
2.8% $15.7
27
0.4% $2.3
38
-$13.4 11
Construction
0.0% $0.0
0
3.0% $10.6
1
$10.6
1
Auto & Other
0.9% $0.5
92
Leases
0.0%
$0.0
2
Grand Total
2.0%
$127.0 256
0.6% $0.4
0.0% $0.0
1.5% $103.8
35
$0.0
-57
0
$0.0
175 -$23.2 -81
28
-2
87.8%
89.0%
87.8%
87.8%
Substandard/DoubtfulLoss (NBV)
86.0%
85.0%
Q4-2022
Q4-2023
Diff
Pool
%
CRE Non-Owner Occupied
0.3%
CRE-Owner Occupied
2.3%
$22.3
Multifamily
0.0% $0.1
1
(min) #Loans %
$6.9
8 0.7%
14 1.5%
0.0% $0.0
(min) #Loans (min) # Loans
$15.7 15 $8.8
$14.0 12 -$8.2
7
-2
0
-S0.1
-1
Agriculture & Farmland
5.6% $19.1
15
8.2% $34.0
30
$14.9
15
SFR 1-4 Term
0.8% $6.4
39
1.0% $9.2
35
$2.8
-4
SFR HELOC and Junior Liens
Commercial & Industrial
1.8%
0.9% $3.7
$10.3
70
1.1% $3.9
62
$0.2
-8
55
1.7% $10.1
53
-$0.2
-2
Construction
0.3% $0.6
4
0.0% $0.1
1
-$0.5
-3
Auto & Other
0.5%
$0.3
23
3Q-2022
Pass
4Q-2022
1Q-2023
2Q-2023
3Q-2023
4Q-2023
Leases
0.0%
$0.0
5
Watch
â– Special Mention
Substandard
Grand Total
1.1%
$69.6
234
0.9% $0.6
0.0% $0.0
4
1.3% $87.5 232
24
$0.4
1
$0.0
-1
$17.9
-2
Investor Presentation | Fourth Quarter 2023
Zero balance in Doubtful and Loss
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