Investor Presentaiton
Indirect RV & Marine Lending - A Nationwide Business
Indirect RV & Marine lending ("ILD") is a nationwide business that
has allowed us to originate consumer loans while maintaining our
conservative credit-quality standards.
Period-End Loan Balance
($ Millions)
$3,000
$2,831
•
$2,717
$2,750
$2,500
$2,484
$2,305 $2,329
$2,250
$2,011 $2,040
$2,121
$2,201
$2,000
$1,750
$1,500
$1,250
$1,000
$750
$500
$250
$-
3Q21
4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23
ILD Portfolio Mix*
ILD Trends
$ thousands
134,163
41,608
This portfolio accounted for 11%
of the funded balance of non-
purchased loans as of September
30, 2023. Our objective is to
maintain this portfolio within a
range of 10% to 15% of our total
loans.
As of September 30, 2023, the
non-purchased indirect portfolio
had a 30+ day past due ratio of
14 bps.
• For the third quarter and first nine
months of 2023, our annualized
net charge-off ratio for the non-
purchased indirect portfolio was
31 bps and 27 bps, respectively.
ILD Non-purchased Loans By Loan Size*
RV Portfolio
Marine Portfolio
53%
47%
Loan Size
$1 million +
$750k - $999k
$250k - $749k
$50k-$249k
Total # $ thousands
Total #
1 $
1,602
64 $
48
< $50k
Total
569
10,473
6,490
17,533 $
178,133
1,169,981
164,527
1,514,243
691
6,646
3,248
10,697 $ 1,316,436
257,473
785,012
98,180
Total Marine
Total RV
*
At September 30, 2023
18
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