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 | |||||||||||
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% | ||||||||||
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 | % | ||||||||||||||||||||||||
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. | |||||||||||||||||||||
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. | |||||
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 | ||||||||||||||||||||||||||||||||
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 | % | |||||||||||||||||||