Investor Presentaiton
35
55
Loans & Securities - Repricing and Maturity
Total Loans and Leases (net of unearned income) (1)
(in millions)
As of December 31, 2023
Repricing Term
Rate Structure
3 mos or
less
3-12
mos
1-3
years
3-5
5-10
10-15
Over 15
years
years
years
years
Total
Floating
Rate
Adjustable
Fixed
Rate
Rate
Commercial loans and leases $ 717
$ 310
$ 571
$ 295
$
41
$
4
$
18
$1,956
$ 501
$ 79
$ 1,376
Commercial real estate
773
334
678
400
172
15
35
2,407
597
243
1,567
Construction and land
281
72
70
29
1
-
453
251
25
177
Residential real estate
70
57
78
65
84
20
7
381
52
121
208
Consumer
215
228
469
16
7
935
122
813
Total
$2,056
$1,001
$1,866
$ 804
$ 305
$
39
$
60
$6,131
$1,522
$
468
$ 4,141
% of Total
34 %
16 %
Weighted Average Rate
7.75 %
5.56 %
30 %
5.22 %
13 %
5.19 %
5 %
1%
1%
(2)
4.52 %
4.01 %
0.32 %
100%
6.03%
25 %
8%
68 %
8.23 %
4.73 %
5.36 %
(in millions)
As of December 31, 2023
Amortized Cost
% of Total
Notes:
(1)
(2)
(3)
Investment Securities Available for Sale
(3)
Maturity & Projected Cash Flow Distribution
1 year or less
1-3 years
3-5 years
5-10 years
Over 10 years
Total
$
164
16 %
$
258
25 %
$
186
$
289
$
116
$
1,013
18%
29 %
11 %
100%
Based on projected principal payments for all loans plus the next reset for floating and adjustable rate loans and the maturity date of fixed rate loans.
Over 15 years category includes all nonaccrual loans and leases.
Projected principal cash flows for securities. Differences between amortized cost and total principal are included in Over 10 years.
Midland ◉
States Bancorp, Inc.View entire presentation