As of 03/19 | As of 06/19 | As of 09/19 | ||||||||||||||||||||||
Loan Loss Reserve - Total | $ | 139,336 | $ | 140,272 | $ | 138,434 | ||||||||||||||||||
General and Specific Allowance | 133,086 | 134,022 | 131,534 | |||||||||||||||||||||
Commitments Reserve | 6,250 | 6,250 | 6,900 | |||||||||||||||||||||
Allowance and Reserve as a % of Gross Loans | 1.05 | % | 1.05 | % | 1.04 | % | ||||||||||||||||||
03/19 QTR | 03/19 YTD | 06/19 QTR | 06/19 YTD | 09/19 QTR | 09/19 YTD | |||||||||||||||||||
Loan Originations - Total | $ | 999,605 | $ | 2,044,371 | $ | 1,001,385 | $ | 3,045,756 | $ | 1,074,715 | $ | 4,120,471 | ||||||||||||
Single-Family Residential | 102,907 | 233,512 | 160,010 | 393,522 | 153,535 | 547,057 | ||||||||||||||||||
Construction | 388,502 | 645,724 | 283,231 | 928,955 | 342,212 | 1,271,167 | ||||||||||||||||||
Construction - Custom | 88,103 | 198,688 | 119,792 | 318,480 | 138,848 | 457,328 | ||||||||||||||||||
Land - Acquisition & Development | 25,315 | 67,088 | 29,287 | 96,375 | 27,383 | 123,758 | ||||||||||||||||||
Land - Consumer Lot Loans | 5,660 | 14,437 | 8,403 | 22,840 | 14,285 | 37,125 | ||||||||||||||||||
Multi-Family | 62,746 | 109,154 | 38,056 | 147,210 | 63,379 | 210,589 | ||||||||||||||||||
Commercial Real Estate | 53,938 | 181,597 | 92,436 | 274,033 | 69,139 | 343,172 | ||||||||||||||||||
Commercial & Industrial | 241,766 | 533,338 | 245,701 | 779,039 | 241,257 | 1,020,296 | ||||||||||||||||||
HELOC | 24,255 | 53,748 | 23,828 | 77,576 | 23,823 | 101,399 | ||||||||||||||||||
Consumer | 6,413 | 7,085 | 641 | 7,726 | 854 | 8,580 | ||||||||||||||||||
Purchased Loans (including acquisitions) | $ | — | $ | — | $ | — | $ | — | $ | — | $ | — | ||||||||||||
Net Loan Fee and Discount Accretion | $ | 3,161 | $ | 6,011 | $ | 3,856 | $ | 9,867 | $ | 4,190 | $ | 14,057 | ||||||||||||
Repayments | ||||||||||||||||||||||||
Loans | $ | 772,907 | $ | 1,644,701 | $ | 929,662 | $ | 2,574,363 | $ | 1,064,259 | $ | 3,638,622 | ||||||||||||
MBS | 63,251 | 132,754 | 77,220 | 209,974 | 113,715 | 323,689 | ||||||||||||||||||
MBS Premium Amortization | $ | 1,332 | $ | 2,832 | $ | 1,575 | $ | 4,407 | $ | 2,277 | $ | 6,684 | ||||||||||||
Efficiency | ||||||||||||||||||||||||
Operating Expenses/Average Assets | 1.66 | % | 1.72 | % | 1.72 | % | 1.72 | % | 1.75 | % | 1.73 | % | ||||||||||||
Efficiency Ratio (%) | 51.15 | % | 51.52 | % | 52.24 | % | 51.76 | % | 53.08 | % | 52.09 | % | ||||||||||||
Amortization of Intangibles | $ | 510 | $ | 1,020 | $ | 510 | $ | 1,530 | $ | 510 | $ | 2,040 | ||||||||||||
EOP Numbers | ||||||||||||||||||||||||
Shares Issued and Outstanding | 80,435,217 | 79,398,713 | 78,841,463 | |||||||||||||||||||||
Share repurchase information | ||||||||||||||||||||||||
Remaining shares authorized for repurchase | 9,593,701 | 8,537,241 | 7,966,761 | |||||||||||||||||||||
Shares repurchased | 698,705 | 2,438,897 | 1,056,460 | 3,495,357 | 570,480 | 4,065,837 | ||||||||||||||||||
Average share repurchase price | $ | 29.65 | $ | 28.56 | $ | 32.45 | $ | 29.74 | $ | 34.92 | $ | 30.46 | ||||||||||||
Tangible Common Book Value | As of 03/19 | As of 06/19 | As of 09/19 | ||||||||||||||
$ Amount | $ | 1,694,014 | $ | 1,702,977 | $ | 1,723,748 | |||||||||||
Per Share | 21.06 | 21.45 | 21.86 | ||||||||||||||
# of Employees | 1,921 | 1,962 | 1,971 | ||||||||||||||
Investments | |||||||||||||||||
Available-For-Sale: | |||||||||||||||||
Agency MBS | $ | 1,029,937 | $ | 1,027,402 | $ | 982,560 | |||||||||||
Other | 515,669 | 480,535 | 503,182 | ||||||||||||||
$ | 1,545,606 | $ | 1,507,937 | $ | 1,485,742 | ||||||||||||
Held-To-Maturity: | |||||||||||||||||
Agency MBS | $ | 1,553,683 | $ | 1,508,175 | $ | 1,443,480 | |||||||||||
$ | 1,553,683 | $ | 1,508,175 | $ | 1,443,480 | ||||||||||||
As of 03/31/19 | As of 06/30/19 | As of 09/30/19 | |||||||||||||||
Loans Receivable by Category | AMOUNT | % | AMOUNT | % | AMOUNT | % | |||||||||||
Single-Family Residential | $ | 5,861,404 | 44.3% | $ | 5,873,583 | 44.1% | $ | 5,835,194 | 43.8% | ||||||||
Construction | 1,980,274 | 15.0 | 1,997,236 | 15.0 | 2,038,052 | 15.3 | |||||||||||
Construction - Custom | 586,515 | 4.4 | 570,897 | 4.3 | 540,741 | 4.1 | |||||||||||
Land - Acquisition & Development | 194,739 | 1.5 | 203,086 | 1.5 | 204,107 | 1.5 | |||||||||||
Land - Consumer Lot Loans | 97,152 | 0.7 | 95,227 | 0.7 | 99,694 | 0.7 | |||||||||||
Multi-Family | 1,423,723 | 10.8 | 1,403,142 | 10.5 | 1,422,674 | 10.7 | |||||||||||
Commercial Real Estate | 1,570,502 | 11.9 | 1,622,943 | 12.2 | 1,631,170 | 12.3 | |||||||||||
Commercial & Industrial | 1,230,888 | 9.3 | 1,256,398 | 9.4 | 1,268,695 | 9.5 | |||||||||||
HELOC | 139,203 | 1.1 | 139,914 | 1.1 | 142,178 | 1.1 | |||||||||||
Consumer | 156,002 | 1.2 | 142,317 | 1.1 | 129,883 | 1.0 | |||||||||||
13,240,402 | 100% | 13,304,743 | 100% | 13,312,388 | 100% | ||||||||||||
Less: | |||||||||||||||||
ALLL | 133,086 | 134,022 | 131,534 | ||||||||||||||
Loans in Process | 1,162,787 | 1,148,876 | 1,201,341 | ||||||||||||||
Net Deferred Fees, Costs and Discounts | 49,693 | 47,312 | 48,938 | ||||||||||||||
Sub-Total | 1,345,566 | 1,330,210 | 1,381,813 | ||||||||||||||
$ | 11,894,836 | $ | 11,974,533 | $ | 11,930,575 | ||||||||||||
Net Loan Portfolio by Category | AMOUNT | % | AMOUNT | % | AMOUNT | % | |||||||||||
Single-Family Residential | $ | 5,806,890 | 48.8% | $ | 5,820,350 | 48.6% | $ | 5,782,749 | 48.5% | ||||||||
Construction | 1,099,142 | 9.2 | 1,127,507 | 9.4 | 1,125,093 | 9.4 | |||||||||||
Construction - Custom | 303,228 | 2.5 | 290,310 | 2.4 | 252,148 | 2.1 | |||||||||||
Land - Acquisition & Development | 142,081 | 1.2 | 150,273 | 1.3 | 151,289 | 1.3 | |||||||||||
Land - Consumer Lot Loans | 94,592 | 0.8 | 92,780 | 0.8 | 97,184 | 0.8 | |||||||||||
Multi-Family | 1,410,964 | 11.9 | 1,390,847 | 11.6 | 1,410,030 | 11.8 | |||||||||||
Commercial Real Estate | 1,552,160 | 13.0 | 1,604,168 | 13.4 | 1,612,005 | 13.5 | |||||||||||
Commercial & Industrial | 1,195,695 | 10.1 | 1,220,859 | 10.2 | 1,232,581 | 10.3 | |||||||||||
HELOC | 137,599 | 1.2 | 138,330 | 1.2 | 140,552 | 1.2 | |||||||||||
Consumer | 152,485 | 1.3 | 139,109 | 1.2 | 126,944 | 1.1 | |||||||||||
$ | 11,894,836 | 100% | $ | 11,974,533 | 100% | $ | 11,930,575 | 100% | |||||||||
As of 03/31/19 | As of 06/30/19 | As of 09/30/19 | |||||||||||||||||||||||||||
Deposits by State (a) | AMOUNT | % | # | AMOUNT | % | # | AMOUNT | % | # | ||||||||||||||||||||
Washington | $ | 6,160,538 | 52.6 | % | 80 | $ | 5,358,165 | 45.4 | % | 80 | $ | 5,502,418 | 45.9 | % | 80 | ||||||||||||||
Idaho | 824,158 | 7.0 | 24 | 863,157 | 7.3 | 24 | 867,250 | 7.2 | 24 | ||||||||||||||||||||
Oregon | 1,871,498 | 16.0 | 46 | 2,323,471 | 19.7 | 46 | 2,337,401 | 19.5 | 46 | ||||||||||||||||||||
Utah | 268,112 | 2.3 | 10 | 373,564 | 3.2 | 10 | 345,208 | 2.9 | 10 | ||||||||||||||||||||
Nevada | 352,307 | 3.0 | 11 | 353,807 | 3.0 | 11 | 384,491 | 3.2 | 11 | ||||||||||||||||||||
Texas | 100,204 | 0.9 | 6 | 176,555 | 1.5 | 6 | 178,152 | 1.5 | 6 | ||||||||||||||||||||
Arizona | 1,243,075 | 10.6 | 31 | 1,345,576 | 11.4 | 31 | 1,352,365 | 11.3 | 31 | ||||||||||||||||||||
New Mexico | 902,471 | 7.7 | 27 | 1,005,875 | 8.5 | 27 | 1,023,479 | 8.5 | 26 | ||||||||||||||||||||
Total | $ | 11,722,363 | 100% | 235 | $ | 11,800,170 | 100% | 235 | $ | 11,990,764 | 100% | 234 | |||||||||||||||||
(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 | $ | 1,409,633 | 12.0 | % | $ | 1,454,503 | 12.3 | % | $ | 1,621,343 | 13.5 | % | |||||||||||||||||
Interest Checking | 1,916,866 | 16.4 | 1,963,698 | 16.6 | 1,984,576 | 16.6 | |||||||||||||||||||||||
Savings | 805,065 | 6.9 | 771,473 | 6.5 | 753,574 | 6.3 | |||||||||||||||||||||||
Money Market | 2,651,434 | 22.6 | 2,660,176 | 22.5 | 2,724,308 | 22.7 | |||||||||||||||||||||||
Time Deposits | 4,939,365 | 42.1 | 4,950,320 | 42.0 | 4,906,963 | 40.9 | |||||||||||||||||||||||
Total | $ | 11,722,363 | 100% | $ | 11,800,170 | 100% | $ | 11,990,764 | 100% | ||||||||||||||||||||
Deposits greater than $250,000 - EOP | $ | 3,326,620 | $ | 3,458,411 | $ | 3,609,961 | |||||||||||||||||||||||
Time Deposit Repricing | Amount | Rate | Amount | Rate | Amount | Rate | |||||||||||||||||||||||
Within 3 months | $ | 683,509 | 1.46 | % | $ | 892,532 | 1.65 | % | $ | 1,125,888 | 1.81 | % | |||||||||||||||||
From 4 to 6 months | 914,679 | 1.65 | % | 1,145,765 | 1.81 | % | 943,094 | 1.88 | % | ||||||||||||||||||||
From 7 to 9 months | 954,509 | 1.87 | % | 770,444 | 2.02 | % | 739,826 | 2.00 | % | ||||||||||||||||||||
From 10 to 12 months | 732,802 | 2.02 | % | 703,859 | 2.01 | % | 663,487 | 2.04 | % | ||||||||||||||||||||
Non-Performing Assets | AMOUNT | % | AMOUNT | % | AMOUNT | % | |||||||||||||||||||||||
Non-Accrual Loans: | |||||||||||||||||||||||||||||
Single-Family Residential | $ | 24,474 | 50.0% | $ | 22,285 | 54.3% | $ | 25,271 | 74.9% | ||||||||||||||||||||
Construction | 1,282 | 2.6 | — | — | — | — | |||||||||||||||||||||||
Construction - Custom | — | — | 1,161 | 2.8 | — | — | |||||||||||||||||||||||
Land - Acquisition & Development | 242 | 0.5 | 173 | 0.4 | 169 | 0.5 | |||||||||||||||||||||||
Land - Consumer Lot Loans | 579 | 1.2 | 641 | 1.6 | 246 | 0.7 | |||||||||||||||||||||||
Multi-Family | — | — | 1,431 | 3.5 | — | — | |||||||||||||||||||||||
Commercial Real Estate | 9,162 | 18.7 | 8,464 | 20.6 | 5,835 | 17.3 | |||||||||||||||||||||||
Commercial & Industrial | 12,366 | 25.3 | 6,047 | 14.7 | 1,292 | 3.8 | |||||||||||||||||||||||
HELOC | 812 | 1.7 | 803 | 2.0 | 907 | 2.7 | |||||||||||||||||||||||
Consumer | 24 | — | — | — | 11 | — | |||||||||||||||||||||||
Total non-accrual loans | 48,941 | 100% | 41,005 | 100% | 33,731 | 100% | |||||||||||||||||||||||
Real Estate Owned | 7,522 | 7,003 | 6,781 | ||||||||||||||||||||||||||
Other Property Owned | 3,109 | 3,109 | 3,314 | ||||||||||||||||||||||||||
Total Non-Performing Assets | $ | 59,572 | $ | 51,117 | $ | 43,826 | |||||||||||||||||||||||
Non-performing loans as % of total net loans | 0.41 | % | 0.34 | % | 0.28 | % | |||||||||||||||||||||||
Non-performing assets as % of total assets | 0.36 | % | 0.31 | % | 0.27 | % | |||||||||||||||||||||||
As of 03/31/19 | As of 06/30/19 | As of 09/30/19 | |||||||||||||||||||
AMOUNT | % | AMOUNT | % | AMOUNT | % | ||||||||||||||||
Restructured loans: | |||||||||||||||||||||
Single-Family Residential | $ | 126,265 | 89.8% | $ | 117,968 | 91.5% | $ | 111,886 | 92.0% | ||||||||||||
Construction | — | — | — | — | — | — | |||||||||||||||
Construction - Custom | — | — | — | — | — | — | |||||||||||||||
Land - Acquisition & Development | 99 | 0.1 | 95 | 0.1 | 90 | 0.1 | |||||||||||||||
Land - Consumer Lot Loans | 4,489 | 3.2 | 4,056 | 3.1 | 3,714 | 3.1 | |||||||||||||||
Multi-Family | 419 | 0.3 | 402 | 0.3 | 385 | 0.3 | |||||||||||||||
Commercial Real Estate | 4,942 | 3.5 | 4,882 | 3.8 | 4,168 | 3.4 | |||||||||||||||
Commercial & Industrial | 3,360 | 2.4 | 440 | 0.3 | 425 | 0.3 | |||||||||||||||
HELOC | 960 | 0.7 | 953 | 0.7 | 949 | 0.8 | |||||||||||||||
Consumer | 65 | — | 62 | — | 60 | — | |||||||||||||||
Total restructured loans | $ | 140,599 | 100% | $ | 128,858 | 100% | $ | 121,677 | 100% | ||||||||||||
Restructured loans were as follows: | |||||||||||||||||||||
Performing | $ | 136,233 | 96.9% | $ | 124,108 | 96.3% | $ | 116,659 | 95.9% | ||||||||||||
Non-performing (b) | 4,366 | 3.1 | 4,750 | 3.7 | 5,018 | 4.1 | |||||||||||||||
Total restructured loans | $ | 140,599 | 100% | $ | 128,858 | 100% | $ | 121,677 | 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 | $ | (160 | ) | (0.01)% | $ | 18 | —% | $ | (405 | ) | (0.03)% | ||||||||||
Construction | — | — | — | — | (100 | ) | (0.02) | ||||||||||||||
Construction - Custom | — | — | 339 | 0.24 | 1,634 | 1.21 | |||||||||||||||
Land - Acquisition & Development | (1,300 | ) | (2.67) | (1,960 | ) | (3.86) | (2,308 | ) | (4.52) | ||||||||||||
Land - Consumer Lot Loans | 48 | 0.20 | 215 | 0.90 | 14 | 0.06 | |||||||||||||||
Multi-Family | — | — | — | — | — | — | |||||||||||||||
Commercial Real Estate | (244 | ) | (0.06) | (90 | ) | (0.02) | (152 | ) | (0.04) | ||||||||||||
Commercial & Industrial | 261 | 0.08 | 816 | 0.26 | 1,117 | 0.35 | |||||||||||||||
HELOC | 157 | 0.45 | (1 | ) | — | (1 | ) | — | |||||||||||||
Consumer | 67 | 0.17 | (273 | ) | (0.77) | 139 | 0.43 | ||||||||||||||
Total net charge-offs (recoveries) | $ | (1,171 | ) | (0.04)% | $ | (936 | ) | (0.03)% | $ | (62 | ) | —% | |||||||||
(c) Annualized Net Charge-offs (recoveries) divided by Gross Balance | |||||||||||||||||||||
Interest Rate Risk | |||||||||||||||||||||
NPV post 200 bps shock (d) | 11.5 | % | 12.6 | % | 13.9 | % | |||||||||||||||
Change in NII after 200 bps shock (d) | (3.0 | )% | (1.7 | )% | 1.3 | % | |||||||||||||||
(d) Assumes no balance sheet management actions taken | |||||||||||||||||||||
Historical CPR Rates (e) | |||||
WAFD | WAFD | ||||
Average for Quarter Ended: | SFR Mortgages | GSE MBS | |||
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 | % | |
9/30/2019 | 18.2 | % | 16.9 | % | |
(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 | ||||||||||||||||||||||||||||||||
March 31, 2019 | June 30, 2019 | September 30, 2019 | ||||||||||||||||||||||||||||||
Average | Average | Average | Average | Average | Average | |||||||||||||||||||||||||||
Balance | Interest | Rate | Balance | Interest | Rate | Balance | Interest | Rate | ||||||||||||||||||||||||
Assets | ||||||||||||||||||||||||||||||||
Loans receivable | $ | 11,824,247 | $ | 141,061 | 4.84 | % | $ | 11,925,478 | $ | 145,490 | 4.89 | % | $ | 11,966,994 | $ | 144,480 | 4.79 | % | ||||||||||||||
Mortgage-backed securities | 2,573,669 | 19,343 | 3.05 | 2,563,070 | 18,719 | 2.93 | 2,489,843 | 17,231 | 2.75 | |||||||||||||||||||||||
Cash & investments | 727,540 | 5,523 | 3.08 | 696,640 | 5,956 | 3.43 | 794,183 | 6,060 | 3.03 | |||||||||||||||||||||||
FHLB & FRB Stock | 138,646 | 1,655 | 4.84 | 138,144 | 1,661 | 4.82 | 132,390 | 1,665 | 4.99 | |||||||||||||||||||||||
Total interest-earning assets | 15,264,102 | 167,582 | 4.45 | % | 15,323,332 | 171,826 | 4.50 | % | 15,383,410 | 169,436 | 4.37 | % | ||||||||||||||||||||
Other assets | 1,156,071 | 1,139,374 | 1,177,871 | |||||||||||||||||||||||||||||
Total assets | $ | 16,420,173 | $ | 16,462,706 | $ | 16,561,281 | ||||||||||||||||||||||||||
Liabilities and Equity | ||||||||||||||||||||||||||||||||
Customer accounts | 11,602,579 | 29,666 | 1.04 | % | 11,724,841 | 32,331 | 1.11 | % | 11,887,819 | 33,640 | 1.12 | % | ||||||||||||||||||||
FHLB advances | 2,616,389 | 17,846 | 2.77 | 2,603,846 | 17,829 | 2.75 | 2,460,000 | 15,624 | 2.52 | |||||||||||||||||||||||
Total interest-bearing liabilities | 14,218,968 | 47,512 | 1.36 | % | 14,328,687 | 50,160 | 1.40 | % | 14,347,819 | 49,264 | 1.36 | % | ||||||||||||||||||||
Other liabilities | 196,926 | 117,299 | 183,055 | |||||||||||||||||||||||||||||
Total liabilities | 14,415,894 | 14,445,986 | 14,530,874 | |||||||||||||||||||||||||||||
Stockholders’ equity | 2,004,279 | 2,016,720 | 2,030,407 | |||||||||||||||||||||||||||||
Total liabilities and equity | $ | 16,420,173 | $ | 16,462,706 | $ | 16,561,281 | ||||||||||||||||||||||||||
Net interest income | $ | 120,070 | $ | 121,666 | $ | 120,172 | ||||||||||||||||||||||||||
Net interest margin (1) | 3.15 | % | 3.18 | % | 3.12 | % | ||||||||||||||||||||||||||
(1) Annualized net interest income divided by average interest-earning assets | ||||||||||||||||||||||||||||||||
AMOUNT OF LOANS | # OF LOANS | % based | % based | |||||||||||||||||||||||||||||
TYPE OF LOANS | #LOANS | AVG Size | NET OF LIP & CHG-OFFs | 30 | 60 | 90 | Total | on # | $ Delinquent | on $ | ||||||||||||||||||||||
September 30, 2019 | ||||||||||||||||||||||||||||||||
Single-Family Residential | 24,196 | 241 | $ | 5,835,186 | 34 | 16 | 84 | 134 | 0.55 | % | $ | 25,947 | 0.44 | % | ||||||||||||||||||
Construction | 524 | 2,223 | 1,164,889 | — | — | — | — | — | — | — | ||||||||||||||||||||||
Construction - Custom | 1,044 | 245 | 255,505 | — | — | — | — | — | — | — | ||||||||||||||||||||||
Land - Acquisition & Development | 137 | 1,177 | 161,194 | — | — | — | — | — | — | — | ||||||||||||||||||||||
Land - Consumer Lot Loans | 1,141 | 87 | 99,694 | 4 | 2 | 5 | 11 | 0.96 | 778 | 0.78 | ||||||||||||||||||||||
Multi-Family | 1,125 | 1,265 | 1,422,652 | — | — | — | — | — | — | — | ||||||||||||||||||||||
Commercial Real Estate | 994 | 1,641 | 1,631,171 | 1 | 1 | 7 | 9 | 0.91 | 5,662 | 0.35 | ||||||||||||||||||||||
Commercial & Industrial | 1,829 | 694 | 1,268,695 | — | — | 12 | 12 | 0.66 | 867 | 0.07 | ||||||||||||||||||||||
HELOC | 3,041 | 47 | 142,178 | 10 | 1 | 13 | 24 | 0.79 | 1,460 | 1.03 | ||||||||||||||||||||||
Consumer | 3,520 | 37 | 129,883 | 41 | 12 | 12 | 65 | 1.85 | 656 | 0.51 | ||||||||||||||||||||||
37,551 | 323 | $ | 12,111,047 | 90 | 32 | 133 | 255 | 0.68 | % | $ | 35,370 | 0.29 | % | |||||||||||||||||||
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 | % | |||||||||||||||||||