Investor Presentaiton
28
Risk Grade Migration
1.0%
1.1%
0.8%
0.8%
1.1%
1.0%
Special Mention (NBV)
2.5%
1.6%
2.1%
1.8%
2.0%
2.0%
Q1-2022
Q1-2023
7.8%
9.3%
9.5%
9.7%
8.0%
9.2%
Pool
%
(min) # Loans
%
(min)
# Loans
Diff
(min) # Loans
CRE Non-Owner Occupied
2.2%
$35.3
24
2.5%
$54.4
29
$19.2
5
CRE-Owner Occupied
3.3% $23.4
16
2.7%
$26.5
18
$3.1
2
Agriculture & Farmland
7.3% $16.4
9
5.2% $16.7
22
$0.3
13
SFR 1-4 Term
1.4%
$9.3
32
1.7% $13.3
29
$4.1
-3
SFR HELOC and Junior Liens
1.2%
$4.2
85
0.2% 50.7
17
-$3.5
-68
Commercial & Industrial
1.9%
$4.8
31
2.4% $13.4
30
$8.6
-1
Construction
11.4% $25.4
2
0.0% $0.0
0
-$25.4
-2
Auto & Other
1.1%
50.7
135
0.8% $0.4
38
-50.3
-97
Leases
0.0%
$0.0
0
Grand Total
2.4%
$119.4 334
0.0% $0.0
2.0% $125.5 183
2
$0.0
2
$6.1
-151
89.6%
87.2%
87.6%
87.8%
89.0%
Substandard/Doubtful/Loss (NBV)
87.8%
Pool
CRE Non-Owner Occupied
CRE-Owner Occupied
%
0.5%
Q1-2022
(min) # Loans
$8.4 13
Q1-2023
Diff
1.0% $7.1
11
Multifamily
0.0% $0.1
1
Agriculture & Farmland
7.7% $17.3
13
% (min) #Loans
0.2% $3.6
2.2% $20.9
0.0% 50.1
5.8% $18.5
(min) #Loans
8
13
-$4.8
-5
$13.8
572
1
$0.0
0
20
$1.3
7
SFR 1-4 Term
1.0%
$6.5
40
0.6% $4.5
38
-$2.0
-2
SFR HELOC and Junior Liens
1.3% $4.5
75
1.0% 53.8
68
-50.7
-7
Commercial & Industrial
1.1%
$2.8
63
2.1% $11.8
59
59.0
-4
Construction
0.3% $0.6
22
0.2% $0.6
3
$0.0
-19
Auto & Other
0.6%
$0.4
40
4Q-2021
■Pass
1Q-2022
2Q-2022
3Q-2022
4Q-2022
■Watch
■Special Mention
1Q-2023
Substandard
Leases
0.0%
$0.0
Grand Total
1.0% $47.6
5
283
0.4% $0.2
0.0%
21
-$0.2
-19
1.0%
$0.0
$64.0
5
$0.0
0
231 $16.4
-52
Investor Presentation | First Quarter 2023
➤ Zero balance in Doubtful and Loss
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