Investor Presentaiton
Illustrative Loan Interest Rate Mark Sensitivity - Impact to Capital
The pro forma impact reflects a loan interest rate mark of ($202) million, or (2.95%) of gross Luther Burbank
loans; even if rates were to dramatically increase between announcement and close, the pro forma company
would remain very well capitalized
Pro Forma Capital Ratios at Close
Loan Rate Mark (% of 9/30/2022 Gross Loans)
Illustrative Scenarios
Base Model
1.5x Base Loan Rate Mark 2.0x Base Loan Rate Mark
Loan Rate Mark (%)
(2.95%)
(4.43%)
(5.90%)
Loan Rate Mark ($mm)
($202)
($303)
($404)
TCE/TA
7.9%
7.7%
7.4%
Leverage Ratio
9.0%
8.7%
8.5%
CET1 Ratio
10.7%
10.4%
10.0%
Tier | Risk Based Ratio
12.1%
11.8%
11.4%
Total Risk Based Ratio
13.4%
13.1%
12.8%
WaFd Bank
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