Investor Presentaiton
Business Line Profile: 1-4 Single Family Residential Lending
As of September 30, 2017:
No nonperforming loans¹ in the SFR portfolio
Average: LTV of 59.9%; FICO score of 750; duration of 4.7 years
Current start rate of 4.5%; reprices after 7 years to one-year LIBOR plus 2.75%
SFR Loans
SFR Portfolio Growth
$362.9 million
(Dollars in millions)
Home Equity Lines
0.6%
Balloon Notes²
1.4%
Other SFR Loans
63.4%
Loans HFS
34.6%
-
SFR 2013 Q3 2017 CAGR = 45.0%
$237.2
$156.4
$112.1
$58.9
$57.2
2012
2013
2014
2015
2016
2017Q3
(1) Nonperforming loans include nonaccrual loans, loans past due 90 days or more and still accruing interest and loans modified under troubled debt restructurings; excludes
PCI loans acquired in prior acquisitions
(2)
Represent loans acquired in the LANB acquisition and mature in 2018
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