Exhibit 99.2
Washington Federal, Inc.
Fact Sheet
September 30, 2019
($ in Thousands)



 
 
 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



1

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

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%

2

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

 
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
%
 
 
 
 

3

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

 
 
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

4

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


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.


5

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

 
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


6

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

 
 
 
 
 
 
 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
%

7