Investor Presentaiton
4 National Bank With a Regional Footprint
Diversified by product, client-type and geography emphasizing underwriting discipline
•
Diverse mix of regionally-focused commercial
banking divisions & nationally-oriented specialized
businesses
Leverages deep segment expertise to provide
specialized banking services to niche markets across
the country
NBLs support industry and nationwide geographic
diversification with centralized, sophisticated
management
Segment-focused model supports superior client
value, strong returns and company risk management
Loan and Loan Yields
Diversified Business Mix
Loans by Product Type
Resi & Consumer
1%
NBL Composition
Multifam.
1%
Other
CLD
Hotel
8%
10% Franchise
CRE -
NOO
Corp. Fin.
12%
15%
13%
CRE - OO
9%
National
Business
Lines
57%
Tech & Innov.
15%
Mtg.
C&I
11%
Public &
NonProfit
Warehouse
19%
13%
Resi.
Mortgage
16%
5.18%
5.40%
5.62%
5.82%
5.83%
Loans by Rate Type
5.27%
18.9%
$23.2
$21.1
Total Loan
$17.7
CAGR
$15.1
$10.0
Fixed Rate
29%
$13.2
$9.6
LIBOR
Based
$11.1
$9.1
$8.4
35.8%
44%
$7.5
$7.5
$11.5
$13.2
NBL
$5.7
$6.7
$8.6
$3.6
CAGR
Term
Adjustable
Prime
Based
20%
7%
2015
2016
2017
2018
2019
Q1 2020
NBL Loans
WA
Dollars in billions
Note: Loan product type percentages exclude exposures in National Business Lines
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