Investor Presentation | Fourth Quarter 2023
Unfunded Loan Commitments
■Outstanding Principal ($MM)
Unfunded Commitment ($MM)
$151
$150
$2,238
$2,172
$59
$61
HELOCS - by vintage, with weighted avg. coupon (8.86% total WAC)
$225
9.63%
9.63%
$200
9.37%
9.23% 9.27% 9.27%
$175
8.95%
8.99%
8.91%
$150
8.77% 8.72%
8.71%
8.64%
$125
8.55%
8.28%
$100
$75
$50
$25
$0
<2010 2010 2011
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
■Private Balance (MM)
Unfunded (MM)
WA Rate
$64
$59
$670
$593
$660
$631
$954
$950
$963
$990
$313
$134
$885
$235
$794
$312
$581
$565
$354
$391
$351
$420
$346
$218
$8
$8
$69
$54
4Q-2023 4Q-2022 | 4Q-2023 4Q-2022 4Q-2023 4Q-2022 4Q-2023 4Q-2022 4Q-2023 4Q-2022 | 4Q-2023 4Q-2022 4Q-2023 4Q-2022 | 4Q-2023 4Q-2022 4Q-2023 4Q-2022
CRE Non-Owner
Occupied
Multifamily
SFR HELOC and
Junior Liens
Commercial &
Industrial
CRE-Owner
Occupied
SFR 1-4 Term
Construction
Outstanding Principal and Commitments exclude unearned fees and discounts/premiums, Leases, DDA Overdraft, and Credit Cards
PPP Excluded from C&I for $0.4 million and $0.6 million in Outstanding Principal as of Q4 2023 and Q4 2022, respectively.
Agriculture &
Farmland
Auto & Other
23
Investor Presentation | Fourth Quarter 2023
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