Investor Presentation | Fourth Quarter 2023
SFR
HELOC
Agriculture Constructio and Junior Commercial SFR 1-4
& Farmland
n
Liens
& Industrial
Term
CRE-
Owner
Multifamily Occupied
CRE Non-
Owner
Occupied
4Q-2023
4Q-2022
4Q-2023
4Q-2022
4Q-2023
4Q-2022
4Q-2023
4Q-2022
Diversified Loan Portfolio
$2,218
$2,150
$956
$982
$950
$945
$884
$792
4Q-2023
$586
% of
CRE Non Own By
Collateral
Loans, net
# Loans
CRE
(SMM)
NOO
Retail
$570
349
26%
Office
$462
364
21%
Hotel/Motel
$331
94
15%
Light Industrial
$166
183
7%
Mixed Use, Retail
$137
93
6%
Self Storage
$134
49
6%
Warehouse
$103
116
5%
Agriculture &
Farmland
6%
Mixed Use, Office
$44
40
2%
Auto & Other
1%
Other (18 Types)
$271
217
12%
Total
$2,218
1,505
100%
4Q-2022
$563
Construction
5%
SFR HELOC and
4Q-2023
$357
Junior Liens
5%
4Q-2022
$393
4Q-2023
$347
Commercial &
Industrial
9%
CRE Non-Owner
Occupied
33%
4Q-2022
$215
SFR 1-4 Term
13%
4Q-2023
$416
4Q-2022
$341
Multifamily
14%
CRE-Owner
Occupied
14%
Auto &
Other
4Q-2023 $73
4Q-2022 $55
20
0
Dollars in millions, Net Book Value at period end, excludes LHFS;
Auto & other includes Leases; Commercial & Industrial includes six Municipality Loans for $20.4 mln.
Investor Presentation | Fourth Quarter 2023
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