Fourth Quarter Highlights
Loan Portfolio Overview
As of December 31, 2022
($ in millions)
Loan Portfolio by Category & Geography
Consumer &
Other
$284
1.5%
Home Equity
$967
5.1%
Construction
$2,805
14.9%
Comm. R.E.
$4,986
26.5%
Loans by Rate Structure
Floating
29.7%
C&I
$2,159
11.5%
Energy
$429
2.3%
Agriculture
Fixed
42.5%
~3.1yr
Avg. Life
(Inc. Farm)
$688
3.6%
1-4 Family
$5,775
30.6%
PPP Loans
$6
Variable Rate
27.8%
WPP
0.1%
$741
3.9%
Loans By Area
Amount (2)(4)
% of Total
Bryan College Station
$769
4.3%
Central Oklahoma
$633
3.5%
Central Texas
Dallas/Ft. Worth
East Texas
Houston
$2,291
12.7%
$6,397
35.4%
$731
4.0%
$4,172
23.1%
South Texas
$1,413
7.8%
Tulsa
$577
3.2%
West Texas
$1,078
6.0%
Source: Company Documents
(1)
(2)
15
(3)
(4)
Data for the three months ended December 31, 2022
Excludes $38 million in loans assigned to the Corporate Group
Core yield excludes purchase accounting adjustments
Excludes Warehouse Purchase Program (WPP) loans
Total Loans: $18.8Bn
Loans HFI (Excl. WPP): $18.1Bn
Yield on Total Loans: 5.02% (1)
Yield on Loans HFI (Excl. WPP): 4.98%(1)
Core Yield on Loans HFI (Excl. WPP): 4.96% (1)(3)
PB
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