Q4 2020 Investor Presentation
Loans - Excluding PPP Loans
as of December 31, 2019
as of December 31, 2020
% of
% of
Balance
Total
Balance
Total
Classified
Non-
performing
$ in millions
Loans
Loans
$
ACL
%
Unfunded
Unfunded
Commitment Commitment
Reserve
Total Loan Portfolio
Consumer Credit Card
205
1%
180
2%
4.1%
Consumer Other
250
2%
211
2%
1
1
1.9%
17
Real Estate
Construction
2,237
16%
1,596
13%
22
4
2.8%
669
Real Estate Commercial
6,206
43%
5,747
48%
222
24
2.3%
185
Real Estate - Single-family
2,442
17%
1,881
16%
36
31
0.5%
220
Commercial
2,495
17%
1,669
14%
92
66
2.4%
875
Agriculture
315
2%
176
1%
1
1
0.6%
84
Other
276
2%
536
4%
17
0.4%
1
Total Loan Portfolio
14,426
100%
11,996
100%
391
127
1.98%
2,051
1.1%
Loan Concentration:
C&D
CRE
98%
293%
68%
241%
Select Loan Categories
Retail
1,458
10%
1,211
10%
24
3
3.8%
91
Nursing/Extended Care
444
3%
427
4%
2
1.0%
55
Healthcare
561
4%
470
4%
12
2
0.8%
69
Multifamily
975
7%
762
6%
22
1
1.1%
73
Hotel
981
7%
948
8%
147
4
6.2%
30
Restaurant
445
3%
385
3%
2
1
3.7%
10
Energy Loans
Upstream
322
2%
184
2%
49
31
10.5%
Midstream
127
1%
35
0%
17
17
14.8%
Services
18
0%
11
0%
1
1
0.7%
Total Energy
467
3%
230
2%
67
49
10.7%
3531
61
$
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