Corporate Strategy and Financial Performance
Proactive Loan Portfolio Management
Commercial Loan Mix (6/30/2022)
Diverse portfolio loan types and industries
reduce Commercial portfolio risk
Loan Portfolio Mix (6/30/2022)
Focus on risk mitigation and managing of
concentrations
■ CRE / Total Capital: 214%
■ ADC / Total Capital: 59%
Average
Balance
Industry
Balance
%
(MMs)
(MMS)
RE/Rental/Leasing - NOO
$150
$1.6
20%
RE/Rental/Leasing - OO, C&I
151
.3
20%
Construction - Developers
41
2.4
5%
Accommodations
88
1.0
12%
Services
62
2
8%
RE/Rental/Leasing - Multifamily
42
.5
6%
Health Care/Social Assistance
Trade
28
.3
4%
43
.1
6%
RE/Rental/Leasing - Developers
31
.7
4%
Construction - All Other
29
.1
4%
All Other
98
2
13%
11
Balance
Loan Type
%
(MMs)
Total 1-4 Family
$406
33%
CRE - OO
143
12%
CRE - NOO
237
19%
Multi-family
42
3%
C&D
116
9%
C&I
225
18%
Consumer
64
5%
PPP
1
1%
14View entire presentation