Office Loans Investment and Deposit Portfolio Analysis
Allowance Allocation
Loan Segment
Dollars in thousands
National Lending Purchased
Northeast
BANK
Total Loan Total Reserves
Balances at
June 30, 2023
ALL / Total Total Reserves
at June 30, Loans at June
2023
30, 2023
ALL / Total
at March 31,
Loans at
2023 March 31, 2023
Total
Reserves at
June 30,
ALL/Total
Loans at June
30, 2022
2022
$1,480,119
$1,406
0.09%
$1,009
0.07%
$348
0.07%
Originated Loans:
C&I (Lender Finance primarily)
473,654
1,904
0.40%
1,968
0.42%
1,473
0.42%
Commercial Real Estate
469,519
3,410
0.73%
3,506
0.73%
2,495
0.65%
SBA and USDA:
- Guaranteed
5,941
0.00%
0.00%
0.00%
- Unguaranteed
18,932
294
1.55%
315
1.67%
449
1.70%
1-4 Family Residential
71,710
281
0.39%
285
0.39%
253
0.41%
Consumer
485
9
1.86%
9
1.60%
10
1.35%
Total Originated Loans
1,040,241
5,898
0.57%
6,083
0.58%
4,680
0.57%
Total Loans
$2,520,360
$7,304
0.29%
$7,092
0.28%
$5,028
0.39%
(1) Under purchased loan accounting, only further declines in expected cash flows subsequent to the acquisition of a loan are
recognized through a specific reserve in the allowance for loan losses.
Loan balances are net of deferred fees and costs.
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