Investor Presentaiton
COVID-19 CRISIS
LOAN PORTFOLIO
Deferral Requests
Slight increase in deferrals from the $9.4 million reported at December 31, 2020 is primarily due to one borrower who has been unable to operate
their business due to COVID restrictions. The credit is well secured and supported by investors.
Percentage of
Principal Only
Principal and Interest
Total Deferred
Loans (e)
Total Loans
excluding PPP
CRE - Retail
$
9,468,400
$
$
9,468,400
1.43%
CRE Special Purpose
$
$
3,799,533
$
3,799,533
0.57%
CRE Hospitality
$
$
$
0.00%
C&I
$
1,063,089
$ 1,063,089
0.16%
$
10,531,489
$
3,799,533
$ 14,331,022
2.17%
Notes:
(e) Thirteen separate loans are included in total loans on deferral
No material change in credit quality of portfolio.
Credit Quality
Current Loan Demand
ā Loan Pipeline remains strong with a $20 million, or 3% increase in loans excluding PPP, in the first three months of 2021. Significant ongoing
growth expected from SLO and Paso. Expect to continue to deliver double digit annual loan growth.
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