Washington Federal, Inc.
Fact Sheet
June 30, 2019
($ in Thousands)

 
 
 
 
 
 
 
 
 
Exhibit 99.2
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of 12/18
 
 
 
As of 03/19
 
 
As of 06/19
 
 
Loan Loss Reserve - Total
 
$
137,415

 
 
 
$
139,336

 
 
$
140,272

 
 
     General and Specific Allowance
 
131,165

 
 
 
133,086

 
 
134,022

 
 
     Commitments Reserve
 
6,250

 
 
 
6,250

 
 
6,250

 
 
     Allowance and Reserve as a % of Gross Loans
 
1.06
%
 
 
 
1.05
%
 
 
1.05
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
12/18 QTR
 
12/18 YTD
 
03/19 QTR
 
03/19 YTD
06/19 QTR
 
06/19 YTD
Loan Originations - Total
 
$
1,044,766

 
$
1,044,766

 
$
999,605

 
$
2,044,371

$
1,001,385

 
$
3,045,756

     Single-Family Residential
 
130,605

 
130,605

 
102,907

 
233,512

160,010

 
393,522

     Construction
 
257,222

 
257,222

 
388,502

 
645,724

283,231

 
928,955

     Construction - Custom
 
110,585

 
110,585

 
88,103

 
198,688

119,792

 
318,480

     Land - Acquisition & Development
 
41,773

 
41,773

 
25,315

 
67,088

29,287

 
96,375

     Land - Consumer Lot Loans
 
8,777

 
8,777

 
5,660

 
14,437

8,403

 
22,840

     Multi-Family
 
46,408

 
46,408

 
62,746

 
109,154

38,056

 
147,210

     Commercial Real Estate
 
127,659

 
127,659

 
53,938

 
181,597

92,436

 
274,033

     Commercial & Industrial
 
291,572

 
291,572

 
241,766

 
533,338

245,701

 
779,039

     HELOC
 
29,493

 
29,493

 
24,255

 
53,748

23,828

 
77,576

     Consumer
 
672

 
672

 
6,413

 
7,085

641

 
7,726

 
 
 
 
 
 
 
 
 
 
 
 
Purchased Loans (including acquisitions)
 
$

 
$

 
$

 
$

$

 
$

 
 
 
 
 
 
 
 
 
 
 
 
Net Loan Fee and Discount Accretion
 
$
2,850

 
$
2,850

 
$
3,161

 
$
6,011

$
3,856

 
$
9,867

 
 
 
 
 
 
 
 
 
 
 
 
Repayments
 
 
 
 
 
 
 
 
 
 
 
Loans
 
$
871,794

 
$
871,794

 
$
772,907

 
$
1,644,701

$
929,662

 
$
2,574,363

MBS
 
69,503

 
69,503

 
63,251

 
132,754

77,220

 
209,974

 
 
 
 
 
 
 
 
 
 
 
 
MBS Premium Amortization
 
$
1,500

 
$
1,500

 
$
1,332

 
$
2,832

$
1,575

 
$
4,407

 
 
 
 
 
 
 
 
 
 
 
 
Efficiency
 
 
 
 
 
 
 
 
 
 
 
Operating Expenses/Average Assets
 
1.79
%
 
1.79
%
 
1.66
%
 
1.72
%
1.72
%
 
1.72
%
Efficiency Ratio (%)
 
51.88
%
 
51.88
%
 
51.15
%
 
51.52
%
52.24
%
 
51.76
%
Amortization of Intangibles
 
$
510

 
$
510

 
$
510

 
$
1,020

$
510

 
$
1,530

 
 
 
 
 
 
 
 
 
 
 
 
EOP Numbers
 
 
 
 
 
 
 
 
 
 
 
Shares Issued and Outstanding
 
81,123,582

 
 
 
80,435,217

 
 
79,398,713

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Share repurchase information
 
 
 
 
 
 
 
 
 
 
 
Remaining shares authorized for repurchase
 
292,406

 
 
 
9,593,701

 
 
8,537,241

 
 
Shares repurchased
 
1,740,192

 
1,740,192

 
698,705

 
2,438,897

1,056,460

 
3,495,357

Average share repurchase price
 
$
28.12

 
$
28.12

 
$
29.65

 
$
28.56

$
32.45

 
$
29.74





1

Washington Federal, Inc.
Fact Sheet
June 30, 2019
($ in Thousands)

Tangible Common Book Value
 
As of 12/18
 
 
 
As of 03/19
 
 
 
As of 06/19
 
 
$ Amount
 
$
1,672,313

 
 
 
$
1,694,014

 
 
 
$
1,702,977

 
 
Per Share
 
20.61

 
 
 
21.06

 
 
 
21.45

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
# of Employees
 
1,910

 
 
 
1,921

 
 
 
1,962

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Investments
 
 
 
 
 
 
 
 
 
 
 
 
Available-for-sale:
 
 
 
 
 
 
 
 
 
 
 
 
     Agency MBS
 
$
1,005,037

 
 
 
$
1,029,937

 
 
 
$
1,027,402

 
 
     Other
 
446,303

 
 
 
515,669

 
 
 
480,535

 
 
 
 
$
1,451,340

 
 
 
$
1,545,606

 
 
 
$
1,507,937

 
 
Held-to-maturity:
 
 
 
 
 
 
 
 
 
 
 
 
     Agency MBS
 
$
1,586,815

 
 
 
$
1,553,683

 
 
 
$
1,508,175

 
 
 
 
$
1,586,815

 
 
 
$
1,553,683

 
 
 
$
1,508,175

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of 12/18
 
 
 
As of 03/19
 
 
 
As of 06/19
 
 
Loans Receivable by Category
 
 AMOUNT
 
 %
 
 AMOUNT
 
 %
 
 AMOUNT
 
 %
     Single-Family Residential
 
$
5,844,963

 
44.9%
 
$
5,861,404

 
44.3%
 
$
5,873,583

 
44.1%
     Construction
 
1,841,674

 
14.1
 
1,980,274

 
15.0
 
1,997,236

 
15.0
     Construction - Custom
 
607,071

 
4.7
 
586,515

 
4.4
 
570,897

 
4.3
     Land - Acquisition & Development
 
181,323

 
1.4
 
194,739

 
1.5
 
203,086

 
1.5
     Land - Consumer Lot Loans
 
100,563

 
0.8
 
97,152

 
0.7
 
95,227

 
0.7
     Multi-Family
 
1,405,172

 
10.8
 
1,423,723

 
10.8
 
1,403,142

 
10.5
     Commercial Real Estate
 
1,526,887

 
11.7
 
1,570,502

 
11.9
 
1,622,943

 
12.2
     Commercial & Industrial
 
1,213,738

 
9.3
 
1,230,888

 
9.3
 
1,256,398

 
9.4
     HELOC
 
136,856

 
1.1
 
139,203

 
1.1
 
139,914

 
1.1
     Consumer
 
162,221

 
1.2
 
156,002

 
1.2
 
142,317

 
1.1
 
 
13,020,468

 
100%
 
13,240,402

 
100%
 
13,304,743

 
100%
     Less:
 
 
 
 
 
 
 
 
 
 
 
 
        Allowance for Loan Losses (ALL)
 
131,165

 
 
 
133,086

 
 
 
134,022

 
 
        Loans in Process
 
1,138,308

 
 
 
1,162,787

 
 
 
1,148,876

 
 
        Net Deferred Fees, Costs and Discounts
 
50,756

 
 
 
49,693

 
 
 
47,312

 
 
        Sub-Total
 
1,320,229

 
 
 
1,345,566

 
 
 
1,330,210

 
 
 
 
$
11,700,239

 
 
 
$
11,894,836

 
 
 
$
11,974,533

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net Loan Portfolio by Category
 
 AMOUNT
 
 %
 
 AMOUNT
 
 %
 
 AMOUNT
 
 %
     Single-Family Residential
 
$
5,790,114

 
49.5%
 
$
5,806,890

 
48.8%
 
$
5,820,350

 
48.6%
     Construction
 
1,008,587

 
8.6
 
1,099,142

 
9.2
 
1,127,507

 
9.4
     Construction - Custom
 
295,329

 
2.5
 
303,228

 
2.5
 
290,310

 
2.4
     Land - Acquisition & Development
 
135,772

 
1.2
 
142,081

 
1.2
 
150,273

 
1.3
     Land - Consumer Lot Loans
 
97,905

 
0.8
 
94,592

 
0.8
 
92,780

 
0.8
     Multi-Family
 
1,391,787

 
11.9
 
1,410,964

 
11.9
 
1,390,847

 
11.6
     Commercial Real Estate
 
1,508,225

 
12.9
 
1,552,160

 
13.0
 
1,604,168

 
13.4
     Commercial & Industrial
 
1,178,727

 
10.1
 
1,195,695

 
10.1
 
1,220,859

 
10.2
     HELOC
 
135,258

 
1.2
 
137,599

 
1.2
 
138,330

 
1.2
     Consumer
 
158,535

 
1.4
 
152,485

 
1.3
 
139,109

 
1.2
 
 
$
11,700,239

 
100%
 
$
11,894,836

 
100%
 
$
11,974,533

 
100%

2

Washington Federal, Inc.
Fact Sheet
June 30, 2019
($ in Thousands)

 
 
As of 12/31/18
 
 
 
As of 03/31/19
 
 
 
As of 06/30/19
 
 
Deposits by State (a)
 
 AMOUNT
 
%
 
#
 
 AMOUNT
 
%
 
#
 
 AMOUNT
 
%
 
#
     Washington
 
$
6,106,095

 
52.8
%
 
80

 
$
6,160,538

 
52.6
%
 
80

 
$
5,358,165

 
45.4
%
 
80

     Idaho
 
804,721

 
7.0

 
24

 
824,158

 
7.0

 
24

 
863,157

 
7.3

 
24

     Oregon
 
1,841,280

 
15.9

 
46

 
1,871,498

 
16.0

 
46

 
2,323,471

 
19.7

 
46

     Utah
 
270,681

 
2.3

 
10

 
268,112

 
2.3

 
10

 
373,564

 
3.2

 
10

     Nevada
 
345,744

 
3.0

 
11

 
352,307

 
3.0

 
11

 
353,807

 
3.0

 
11

     Texas
 
100,517

 
0.9

 
6

 
100,204

 
0.9

 
6

 
176,555

 
1.5

 
6

     Arizona
 
1,216,157

 
10.5

 
31

 
1,243,075

 
10.6

 
31

 
1,345,576

 
11.4

 
31

     New Mexico
 
876,497

 
7.6

 
27

 
902,471

 
7.7

 
27

 
1,005,875

 
8.5

 
27

     Total
 
$
11,561,692

 
100%
 
235

 
$
11,722,363

 
100%
 
235

 
$
11,800,170

 
100%
 
235

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(a) Effective June 30, 2019, commercial account deposits that were previously serviced and assigned to Washington were reassigned to their respective geographical region.
Deposits by Type
 
 AMOUNT
 
%
 
 
 
 AMOUNT
 
%
 
 
 
 AMOUNT
 
%
 
 
Non-Interest Checking
 
$
1,409,236

 
12.2
%
 
 
 
$
1,409,633

 
12.0
%
 
 
 
$
1,454,503

 
12.3
%
 
 
Interest Checking
 
1,881,740

 
16.3

 
 
 
1,916,866

 
16.4

 
 
 
1,963,698

 
16.6

 
 
Savings
 
807,608

 
7.0

 
 
 
805,065

 
6.9

 
 
 
771,473

 
6.5

 
 
Money Market
 
2,645,762

 
22.9

 
 
 
2,651,434

 
22.6

 
 
 
2,660,176

 
22.5

 
 
Time Deposits
 
4,817,346

 
41.7

 
 
 
4,939,365

 
42.1

 
 
 
4,950,320

 
42.0

 
 
Total
 
$
11,561,692

 
100%
 
 
 
$
11,722,363

 
100%
 
 
 
$
11,800,170

 
100%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Deposits greater than $250,000 - EOP
 
$
3,285,153

 
 
 
 
 
$
3,326,620

 
 
 
 
 
$
3,458,411

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Time Deposit Repricing
 
Amount
 
Rate
 
 
 
Amount
 
Rate
 
 
 
Amount
 
Rate
 
 
Within 3 months
 
$
638,166

 
1.08
%
 
 
 
$
683,509

 
1.46
%
 
 
 
$
892,532

 
1.65
%
 
 
From 4 to 6 months
 
672,184

 
1.45
%
 
 
 
914,679

 
1.65
%
 
 
 
1,145,765

 
1.81
%
 
 
From 7 to 9 months
 
730,877

 
1.68
%
 
 
 
954,509

 
1.87
%
 
 
 
770,444

 
2.02
%
 
 
From 10 to 12 months
 
929,006

 
1.85
%
 
 
 
732,802

 
2.02
%
 
 
 
703,859

 
2.01
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Non-Performing Assets
 
 AMOUNT
 
 %
 
 
 
 AMOUNT
 
 %
 
 
 
 AMOUNT
 
 %
 
 
Non-accrual loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Single-Family Residential
 
$
24,748

 
48.1%
 
 
 
$
24,474

 
50.0%
 
 
 
$
22,285

 
54.3%
 
 
     Construction
 
1,380

 
2.7
 
 
 
1,282

 
2.6
 
 
 

 
 
 
     Construction - Custom
 

 
 
 
 

 
 
 
 
1,161

 
2.8
 
 
     Land - Acquisition & Development
 
438

 
0.9
 
 
 
242

 
0.5
 
 
 
173

 
0.4
 
 
     Land - Consumer Lot Loans
 
785

 
1.5
 
 
 
579

 
1.2
 
 
 
641

 
1.6
 
 
     Multi-Family
 

 
 
 
 

 
 
 
 
1,431

 
3.5
 
 
     Commercial Real Estate
 
9,478

 
18.4
 
 
 
9,162

 
18.7
 
 
 
8,464

 
20.6
 
 
     Commercial & Industrial
 
13,995

 
27.2
 
 
 
12,366

 
25.3
 
 
 
6,047

 
14.7
 
 
     HELOC
 
599

 
1.2
 
 
 
812

 
1.7
 
 
 
803

 
2.0
 
 
     Consumer
 
27

 
0.1
 
 
 
24

 
 
 
 

 
 
 
        Total non-accrual loans
 
51,450

 
100%
 
 
 
48,941

 
100%
 
 
 
41,005

 
100%
 
 
Real Estate Owned
 
8,171

 
 
 
 
 
7,522

 
 
 
 
 
7,003

 
 
 
 
Other Property Owned
 
3,109

 
 
 
 
 
3,109

 
 
 
 
 
3,109

 
 
 
 
Total non-performing assets
 
$
62,730

 
 
 
 
 
$
59,572

 
 
 
 
 
$
51,117

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Non-accrual loans as % of total net loans
 
0.44
%
 
 
 
 
 
0.41
%
 
 
 
 
 
0.34
%
 
 
 
 
Non-performing assets as % of total assets
 
0.39
%
 
 
 
 
 
0.36
%
 
 
 
 
 
0.31
%
 
 
 
 

3

Washington Federal, Inc.
Fact Sheet
June 30, 2019
($ in Thousands)

 
 
As of 12/31/18
 
As of 03/31/19
 
As of 06/30/19
 
 
 AMOUNT
 
%
 
 AMOUNT
 
%
 
 AMOUNT
 
%
Restructured loans:
 
 
 
 
 
 
 
 
 
 
 
 
     Single-Family Residential
 
$
133,808

 
89.4%
 
$
126,265

 
89.8%
 
$
117,968

 
91.5%
     Construction
 

 
 

 
 

 
     Construction - Custom
 

 
 

 
 

 
     Land - Acquisition & Development
 
103

 
0.1
 
99

 
0.1
 
95

 
0.1
     Land - Consumer Lot Loans
 
4,601

 
3.1
 
4,489

 
3.2
 
4,056

 
3.1
     Multi-Family
 
435

 
0.3
 
419

 
0.3
 
402

 
0.3
     Commercial Real Estate
 
5,552

 
3.7
 
4,942

 
3.5
 
4,882

 
3.8
     Commercial & Industrial
 
4,159

 
2.8
 
3,360

 
2.4
 
440

 
0.3
     HELOC
 
968

 
0.6
 
960

 
0.7
 
953

 
0.7
     Consumer
 
67

 
 
65

 
 
62

 
        Total restructured loans
 
$
149,693

 
100%
 
$
140,599

 
100%
 
$
128,858

 
100%
 
 
 
 
 
 
 
 
 
 
 
 
 
Restructured loans were as follows:
 
 
 
 
 
 
 
 
 
 
 
 
     Performing
 
$
143,768

 
96.0%
 
$
136,233

 
96.9%
 
$
124,108

 
96.3%
     Non-performing (b)
 
5,925

 
4.0
 
4,366

 
3.1
 
4,750

 
3.7
     Total restructured loans
 
$
149,693

 
100%
 
$
140,599

 
100%
 
$
128,858

 
100%
     (b) Included in "Total non-accrual loans" above.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
AMOUNT
 
CO % (c)
 
AMOUNT
 
CO % (c)
 
AMOUNT
 
CO % (c)
Net Charge-offs (Recoveries) by Category
 
 
 
 
 
 
 
 
 
 
 
 
     Single-Family Residential
 
$
(205
)
 
(0.01)%
 
$
(160
)
 
(0.01)%
 
$
18

 
—%
     Construction
 

 
 

 
 

 
     Construction - Custom
 

 
 

 
 
339

 
0.24
     Land - Acquisition & Development
 
(1,782
)
 
(3.93)
 
(1,300
)
 
(2.67)
 
(1,960
)
 
(3.86)
     Land - Consumer Lot Loans
 
(193
)
 
(0.77)
 
48

 
0.20
 
215

 
0.90
     Multi-Family
 

 
 

 
 

 
     Commercial Real Estate
 
(186
)
 
(0.05)
 
(244
)
 
(0.06)
 
(90
)
 
(0.02)
     Commercial & Industrial
 
146

 
0.05
 
261

 
0.08
 
816

 
0.26
     HELOC
 
885

 
2.59
 
157

 
0.45
 
(1
)
 
     Consumer
 
(73
)
 
(0.18)
 
67

 
0.17
 
(273
)
 
(0.77)
        Total net charge-offs (recoveries)
 
$
(1,408
)
 
(0.04)%
 
$
(1,171
)
 
(0.04)%
 
$
(936
)
 
(0.03)%
(c) Annualized Net Charge-offs (recoveries) divided by Gross Balance.
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest Rate Risk
 
 
 
 
 
 
 
 
 
 
 
 
NPV post 200 bps shock (d)
 
 
 
10.6
 %
 
 
 
11.5
 %
 
 
 
12.6
 %
Change in NII after 200 bps shock (d)
 
 
 
(2.6
)%
 
 
 
(3.0
)%
 
 
 
(1.7
)%
(d) Assumes no balance sheet management actions taken.

4

Washington Federal, Inc.
Fact Sheet
June 30, 2019
($ in Thousands)


Historical CPR Rates (e)
 
WAFD
 
WAFD
Average for Quarter Ended:
SFR Mortgages
 
GSE MBS
 
 
 
 
6/30/2017
15.0
%
 
20.9
%
9/30/2017
15.1
%
 
14.3
%
12/31/2017
15.3
%
 
13.9
%
3/31/2018
12.1
%
 
13.3
%
6/30/2018
13.0
%
 
12.0
%
9/30/2018
12.3
%
 
12.0
%
12/31/2018
10.4
%
 
10.3
%
3/31/2019
9.3
%
 
9.4
%
6/30/2019
13.8
%
 
11.4
%
 
 
 
 
(e) The CPR Rate (conditional payment rate) is the rate that is equal to the proportion of the principal of a pool of loans that is paid off prematurely in each period.


5

Washington Federal, Inc.
Fact Sheet
June 30, 2019
Average Balance Sheet
($ in Thousands)

 
Quarter Ended
 
December 31, 2018
 
March 31, 2019
 
June 30, 2019
 
Average
 
 
 
Average
 
Average
 
 
 
Average
 
Average
 
 
 
Average
 
Balance
 
Interest
 
Rate
 
Balance
 
Interest
 
Rate
 
Balance
 
Interest
 
Rate
Assets
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans receivable
$
11,542,621

 
$
137,065

 
4.71
%
 
$
11,824,247

 
$
141,061

 
4.84
%
 
$
11,925,478

 
$
145,490

 
4.89
%
Mortgage-backed securities
2,592,535

 
19,192

 
2.94

 
2,573,669

 
19,343

 
3.05

 
2,563,070

 
18,719

 
2.93

Cash & investments
579,580

 
4,752

 
3.25

 
727,540

 
5,523

 
3.08

 
696,640

 
5,956

 
3.43

FHLB & FRB Stock
132,305

 
1,613

 
4.84

 
138,646

 
1,655

 
4.84

 
138,144

 
1,661

 
4.82

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total interest-earning assets
14,847,041

 
162,622

 
4.35
%
 
15,264,102

 
167,582

 
4.45
%
 
15,323,332

 
171,826

 
4.50
%
Other assets
1,167,575

 
 
 
 
 
1,156,071

 
 
 
 
 
1,139,374

 
 
 
 
Total assets
$
16,014,616

 
 
 
 
 
$
16,420,173

 
 
 
 
 
$
16,462,706

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Liabilities and Equity
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Customer accounts
$
11,436,685

 
26,579

 
0.92
%
 
$
11,602,579

 
29,666

 
1.04
%
 
$
11,724,841

 
32,331

 
1.11
%
FHLB advances
2,457,880

 
16,891

 
2.73

 
2,616,389

 
17,846

 
2.77

 
2,603,846

 
17,829

 
2.75

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total interest-bearing liabilities
13,894,565

 
43,470

 
1.24
%
 
14,218,968

 
47,512

 
1.36
%
 
14,328,687

 
50,160

 
1.40
%
Other liabilities
129,396

 
 
 
 
 
196,926

 
 
 
 
 
117,299

 
 
 
 
Total liabilities
14,023,961

 
 
 
 
 
14,415,894

 
 
 
 
 
14,445,986

 
 
 
 
Stockholders’ equity
1,990,655

 
 
 
 
 
2,004,279

 
 
 
 
 
2,016,720

 
 
 
 
Total liabilities and equity
$
16,014,616

 
 
 
 
 
$
16,420,173

 
 
 
 
 
$
16,462,706

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net interest income
 
 
$
119,152

 
 
 
 
 
$
120,070

 
 
 
 
 
$
121,666

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net interest margin (1)
 
 
 
 
3.21
%
 
 
 
 
 
3.15
%
 
 
 
 
 
3.18
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(1) Annualized net interest income divided by average interest-earning assets
 
 
 
 
 
 


6

Washington Federal, Inc.
Fact Sheet
June 30, 2019
Delinquency Summary
($ in Thousands)

TYPE OF LOANS
 
 
 
 
 
 AMOUNT OF LOANS
 
# OF LOANS
 
% based
 
 
 
% based
 
 
 #LOANS
 
AVG Size
 
NET OF LIP & CHG-OFFs
 
30
 
60
 
90
 
Total
 
on #
 
$ Delinquent
 
on $
June 30, 2019
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Single-Family Residential
 
24,541

 
239

 
$
5,872,750

 
43

 
28

 
70

 
141

 
0.57
%
 
$
26,591

 
0.45
%
     Construction
 
591

 
1,977

 
1,168,667

 

 

 

 

 

 

 

     Construction - Custom
 
1,103

 
267

 
294,224

 

 

 
2

 
2

 
0.18

 
1,161

 
0.39

     Land - Acquisition & Development
 
135

 
1,188

 
160,383

 

 

 

 

 

 

 

     Land - Consumer Lot Loans
 
1,139

 
84

 
95,150

 
8

 
1

 
4

 
13

 
1.14

 
1,321

 
1.39

     Multi-Family
 
1,143

 
1,228

 
1,403,120

 

 

 
1

 
1

 
0.09

 
1,431

 
0.10

     Commercial Real Estate
 
982

 
1,653

 
1,622,944

 
1

 
1

 
6

 
8

 
0.81

 
4,400

 
0.27

     Commercial & Industrial
 
1,883

 
667

 
1,256,398

 
2

 
9

 
19

 
30

 
1.59

 
5,744

 
0.46

     HELOC
 
2,971

 
47

 
139,914

 
11

 
2

 
13

 
26

 
0.88

 
1,514

 
1.08

     Consumer
 
3,798

 
37

 
142,317

 
22

 
11

 
13

 
46

 
1.21

 
497

 
0.35

 
 
38,286

 
318

 
$
12,155,867

 
87

 
52

 
128

 
267

 
0.70
%
 
$
42,659

 
0.35
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
March 31, 2019
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Single-Family Residential
 
24,692

 
237

 
$
5,860,364

 
45

 
29

 
86

 
160

 
0.65
%
 
$
29,517

 
0.50
%
     Construction
 
687

 
1,659

 
1,139,970

 

 

 
1

 
1

 
0.15

 
1,282

 
0.11

     Construction - Custom
 
1,147

 
268

 
307,405

 

 
1

 

 
1

 
0.09

 
476

 
0.15

     Land - Acquisition & Development
 
140

 
1,090

 
152,546

 
1

 

 

 
1

 
0.71

 
152

 
0.10

     Land - Consumer Lot Loans
 
1,150

 
84

 
97,033

 
4

 

 
3

 
7

 
0.61

 
755

 
0.78

     Multi-Family
 
1,150

 
1,238

 
1,423,701

 
1

 

 

 
1

 
0.09

 
1,431

 
0.10

     Commercial Real Estate
 
983

 
1,598

 
1,570,502

 
3

 

 
7

 
10

 
1.02

 
4,109

 
0.26

     Commercial & Industrial
 
1,911

 
644

 
1,230,888

 
14

 
2

 
29

 
45

 
2.35

 
9,317

 
0.76

     HELOC
 
2,932

 
47

 
139,203

 
5

 
3

 
12

 
20

 
0.68

 
1,221

 
0.88

     Consumer
 
4,161

 
37

 
156,002

 
19

 
9

 
33

 
61

 
1.47

 
253

 
0.16

 
 
38,953

 
310

 
$
12,077,614

 
92

 
44

 
171

 
307

 
0.79
%
 
$
48,513

 
0.40
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     Single-Family Residential
 
24,795

 
236

 
$
5,844,383

 
33

 
30

 
94

 
157

 
0.63
%
 
$
27,150

 
0.46
%
     Construction
 
674

 
1,554

 
1,047,229

 

 

 
1

 
1

 
0.15

 
1,380

 
0.13

     Construction - Custom
 
1,187

 
252

 
299,622

 

 

 

 

 

 

 

     Land - Acquisition & Development
 
149

 
977

 
145,635

 

 

 
1

 
1

 
0.67

 
192

 
0.13

     Land - Consumer Lot Loans
 
1,177

 
85

 
100,440

 

 

 
5

 
5

 
0.42

 
483

 
0.48

     Multi-Family
 
1,155

 
1,217

 
1,405,149

 
2

 
1

 

 
3

 
0.26

 
1,625

 
0.12

     Commercial Real Estate
 
965

 
1,582

 
1,526,887

 
4

 
2

 
6

 
12

 
1.24

 
6,804

 
0.45

     Commercial & Industrial
 
1,897

 
640

 
1,213,738

 
9

 
5

 
28

 
42

 
2.21

 
10,302

 
0.85

     HELOC
 
2,868

 
48

 
136,856

 
7

 
5

 
12

 
24

 
0.84

 
1,368

 
1.00

     Consumer
 
2,993

 
54

 
162,221

 
23

 
10

 
33

 
66

 
2.21

 
275

 
0.17

 
 
37,860

 
314

 
$
11,882,160

 
78

 
53

 
180

 
311

 
0.82
%
 
$
49,579

 
0.42
%

7