CFC Quarterly Financial Performance
LOAN COMPOSITION
Consolidated Commercial & Industrial ("C&I")
Portfolio
$353.8 million total C&I loans
о
о
$138.4 million in capital call lines
$208.7 million in other C&I loans
Consolidated Loan Composition
Construction and
Land Development
6.2%
CRE -
Owner
Occupied
12.2%
Investor
Multifamily
10.5%
C&I
11.7%
Real Estate
32.6%
Owner
Operated
Businesses
23.9%
о
$3.6 million in PPP Small Business
Administration ("SBA") C&I loans
$3.1 million in other SBA C&I loans
Consolidated Commercial Real Estate ("CRE")
Portfolio
•
$1.35 billion total CRE & Construction, Land and Land
Development loans
о
о
$73.4 million of SBA 504 loans in portfolio
234% regulatory aggregate CRE to total risk-based
capital (1)
Consolidated 1-4 Family Real Estate Portfolio
•
$463.2 million total 1-4 family loans
о
$9.3 million purchased from financial institutions, all
of which were individually re-underwritten
Consumer Loans
•
Total $846.5 million
о
$845.0 million in CCBX loans, 97.9% with credit
enhancement
Credit cards, consumer term loans & lines of
credit
(1) Calculated on Bank-level Tier 1 Capital + Allowance for Loan Losses as of June 30, 2023.
Note: Data as of and for the quarter ended June 30, 2023, unless otherwise indicated.
CRE -
Non-
Owner
Occupied
15.9%
1-4 Family
15.4%
Consumer
and other
28.1%
Community Bank Loan Concentrations by County
Spokane
2.9%
Island
2.2%
Skagit
3.5%
Whatcom
2.0%
Other WA Counties
3.4%
Pierce
5.2%
Snohomish
31.9%
Out of State
14.4%
King
34.5%
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