loan portfolio and market data · 2016. 6. 1. · $685,617 20% . kansas city $231,269 7% . missouri...
TRANSCRIPT
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Loan Portfolio June 30, 2016
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Portfolio Diversification -- LEGACY LOANS including Fifth Third --
6/30/16 Balance of $3,389,169 (in thousands)
Consumer* $659,970
20%
Single Family Real Estate $379,485
11%
Multifamily Real Estate $500,622
15%
Commercial Real Estate $1,125,998
33%
Const & Land Dev $368,348
11%
Bonds $34,341
1% Commercial
Business $320,405
9%
*Includes Home Equity Loans of $102,727 *Includes Home Equity Loans of $98,985
Consumer* $642,970
20%
Single Family Real Estate $384,922
12%
Multifamily Real Estate $404,635
12%
Commercial Real Estate $1,033,525
32%
Const & Land Dev $419,207
13%
Bonds $36,407
1% Commercial Business $310,727
10%
3/31/16 Balance of $3,232,393 (in thousands)
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Portfolio Diversification -- Loans Previously Covered by Loss Share --
6/30/16 Balance of $89,686 (in thousands)
Multi Family $3,788
4%
Single Family Real
Estate $42,466
47%
Commercial Real Estate
$24,560 28%
Const & Land Dev
$3,699 4%
Consumer $10,980
12%
Other Loans $4,193
5%
Team, Vantus, And Sun Security Banks
3/31/16 Balance of $32,686 (in thousands)
Residential Real Estate
$2,483 8%
Commercial Real Estate
$16,989 52%
Const & Land Dev
$3,997 12%
Consumer $5,270 16%
Other Loans $3,947 12%
Team Bank and Vantus Bank
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Portfolio Diversification --Acquired Loans from Valley Bank Not Covered by
Loss Share--
3/31/16 Balance of $102,480 (in thousands)
Consumer* $2,155
2%
Single Family Real
Estate $29,217
29%
Multifamily Real Estate
$25,949 25%
Commercial Real Estate
$28,123 28%
Const & Land Dev
$5,443 5%
Commercial Business $11,593
11%
Consumer* $1,972
2%
Single Family Real
Estate $27,637
29%
Multifamily Real Estate
$25,298 26%
Commercial Real Estate
$27,103 28%
Const & Land Dev
$3,847 4% Commercial
Business $10,568
11%
6/30/16 Balance of $96,425 (in thousands)
*Includes Home Equity Loans of $813 *Includes Home Equity Loans of $892
4
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Portfolio Diversification -- Total Loss Share Loans --
6/30/16 Balance of $172,104 (in thousands)
Consumer* $32,874
19%
Single Family Real
Estate $122,583
71%
Multifamily Real Estate
$6,030 4%
Commercial Real Estate
$9,989 6%
Other Loans $628 0%
*Includes Home Equity Loans of $32,847 *Includes Home Equity Loans of $40,698
Consumer* $40,760
16%
Single Family Real
Estate $174,841
70%
Multifamily Real Estate
$9,161 4%
Commercial Real Estate
$22,203 9%
Other Loans $1,772
1%
Team and Vantus SF, Sun Security, and InterSavings Bank
3/31/16 Balance of $248,737 (in thousands)
5
InterSavings Bank
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Portfolio by Region -- LEGACY LOANS Including Fifth Third --
6/30/16 Balance of $3,389,169 (in thousands)
Missouri SE $95,798
3%
Missouri Central
$114,248 3%
Missouri SW $90,773
3%
St Louis $685,617
20%
Kansas City $231,269
7%
Missouri NE/NW $32,870
1%
Springfield $448,693
13%
Branson $99,571
3%
Iowa/ Nebraska/
South Dakota $260,423
8% Minnesota $118,859
3%
Oklahoma $203,060
6% Arkansas
Other $85,426
2%
Kansas Other
$96,354 3%
Texas $242,681
7%
Fayetteville $120,677
4%
Other Regions $462,850
14%
3/31/16 Balance of $3,232,393 (in thousands)
Missouri SE $99,703
3%
Missouri Central
$112,816 3% Missouri SW
$148,576 5%
St Louis $674,262
21%
Kansas City $214,851
7%
Missouri NE/NW $17,451
1%
Springfield $443,493
14% Branson $100,577
3%
Iowa/ Nebraska/
South Dakota $257,638
8%
Minnesota $114,509
3%
Oklahoma $186,386
6%
Arkansas Other
$78,200 2%
Kansas Other
$93,327 3%
Texas $196,384
6%
Fayetteville $116,215
3% Other Regions $382,072
12%
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Portfolio By Region -- LOANS PREVIOUSLY COVERED BY LOSS SHARE --
3/31/16 Balance of $32,686 (in thousands)
Iowa/ Nebraska/
South Dakota $12,713
39%
Missouri NE/NW
$415 1%
Kansas City MO-KS $7,088 22%
Missouri SW $1,406
4%
Minnesota $2,745
9%
Kansas Other $3,036
9%
Texas $2,354
7%
Other Regions $2,929
9%
Team Bank and Vantus Bank
Iowa/ Nebraska/
South Dakota $26,376
29%
Missouri NE/NW/ Central $2,957
3%
Kansas City MO-KS $11,257
13% Missouri SW $13,511 15%
Minnesota $2,604
3%
Kansas Other
$4,662 5%
Missouri SE $5,816
6%
St. Louis $16,878
19%
Texas $2,291
3%
Other Regions $3,334
4% Team, Vantus, And Sun Security Banks
6/30/16 Balance of $89,686 (in thousands)
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Portfolio by Region --Total Loss Share Loans--
6/30/16 Balance of $172,104 (in thousands)
3/31/16 Balance of $248,737 (in thousands)
Minnesota-Other
$7,118 4% Wisconsin
$4,499 3%
Minneapolis MN
$158,412 92%
Other Regions $2,075
1%
InterSavings Bank
St Louis $18,248
7%
Kansas City $6,710
3% Kansas Other
$2,557 1%
Missouri SW $13,198
5%
Missouri Central $2,748
1%
Minnesota $175,996
71%
Iowa/Neb/ S.Dakota $14,254
6%
Missouri SE $6,256
2%
Other Regions $8,770
4%
Team and Vantus SF, Sun Security, and
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Commercial Real Estate -- LEGACY LOANS Including Fifth Third --
6/30/16 Balance of $1,125,998 (in thousands)
Retail $369,974
33%
Healthcare $146,168
13% Motels / Hotels
$89,738 8%
Restaurants $66,109
6%
Office Buildings $207,857
18%
Recreational Facilities $32,116
3% Industrial $131,002
12%
Storage $12,992
1% Other
$70,042 6%
3/31/16 Balance of $1,033,525 (in thousands)
Retail $316,899
31%
Healthcare $139,729
14% Motels / Hotels
$96,156 9%
Restaurants $63,835
6%
Office Buildings $173,674
17%
Recreational Facilities $30,855
3% Industrial $139,263
13%
Storage $12,699
1% Other
$60,415 6%
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Construction & Land Development -- LEGACY LOANS Including Fifth Third--
6/30/16 Balance of $368,348 (in thousands)
Single Family $14,557
4%
Apartments $169,244
46%
Residential Land Dev $16,142
4%
Commercial Land Dev $43,516
12%
Retail $75,641
21%
Healthcare $9,629
3%
Office $7,776
2%
Industrial $15,194
4%
Other $16,649
4%
3/31/16 Balance of $419,207 (in thousands)
Single Family $16,045
4%
Apartments $161,135
38%
Residential Land Dev $18,140
4%
Commercial Land Dev $53,017
13%
Retail $115,557
28%
Healthcare $13,326
3%
Office $17,455
4%
Industrial $10,095
2%
Other $14,437
4%
10
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Multi Family Real Estate by Region -- LEGACY LOANS Including Fifth Third--
6/30/16 Balance of $500,622 (in thousands)
Fayetteville $9,926
2%
Arkansas Other
$21,258 4%
Kansas City $11,624
2%
Kansas Other $23,539
5%
Minnesota $43,452
9%
Iowa / Neb / South Dakota
$33,920 7%
Springfield $46,510
9%
Missouri Central $9,047
2%
St. Louis $66,208
13% Missouri NE/NW $2,406
1%
Oklahoma $59,550
12%
Texas $66,382
13%
Other Regions $106,800
21%
3/31/16 Balance of $404,635 (in thousands)
Fayetteville $9,976
2%
Arkansas Other
$21,547 5%
Kansas City $11,650
3% Kansas Other
$21,264 5%
Minnesota $22,589
6%
Iowa / Neb / South Dakota
$29,157 7%
Springfield $46,814
12%
Missouri Central $9,132
2%
St. Louis $71,662
17% Missouri NE/NW $2,433
1%
Missouri Southwest $16,017
4%
Oklahoma $49,094
12%
Texas $23,672
6%
Other Regions $74,726
18%
Average credit size is $1,903,505 Average credit size is $1,532,708
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Multi Family Real Estate by LTV -- LEGACY LOANS Including Fifth Third --
6/30/16 Balance of $500,622 (in thousands)
25% or less $16,808
3%
26%-50% $102,506
21%
51%-75% $270,791
54%
76%-85% $85,674
17%
86% and higher
$24,843 5%
3/31/16 Balance of $404,635 (in thousands)
25% or less $15,990
4%
26%-50% $75,499
19%
51%-75% $196,452
48%
76%-85% $92,129
23%
86% and higher
$24,565 6%
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Consumer Auto Loans by Region -- LEGACY LOANS Including Fifth Third --
6/30/16 Balance of $485,638 (in thousands)
Fayetteville $41,582
8% Arkansas
Other $42,091
9%
Oklahoma $4,413
1%
Springfield $78,542
16%
St. Louis $35,342
7%
Kansas City $18,052
4%
Missouri Southeast $78,734
16% Missouri NE/NW $5,864
1%
Missouri Central $22,834
5%
Missouri Southwest $69,142
14%
Iowa / Neb / SD $46,777
10%
Kansas Other $14,275
3%
Other Regions $27,990
6%
3/31/16 Balance of $469,331 (in thousands)
Fayetteville $38,254
8% Arkansas
Other $39,128
8%
Oklahoma $4,170
1%
Springfield $78,818
17%
St. Louis $30,746
7%
Kansas City $17,522
4%
Missouri Southeast $75,612
16% Missouri NE/NW $5,564
1%
Missouri Central $22,069
5%
Missouri Southwest $67,251
14%
Iowa / Neb / SD $48,273
10%
Kansas Other $13,660
3%
Other Regions $28,264
6%
• 74% of the Consumer Portfolio • Avg. origination balance $16,100 • Avg. origination term 5 years • Expected life 34 months • Average Primary FICO--692
• New autos--6% • Used autos--94% • Indirect loans-- 89% • Direct loans--11%
• 75% of the Consumer Portfolio • Avg. origination balance $16,002 • Avg. origination term 5 years • Expected life 37 months • Average Primary FICO--693
• New autos--8% • Used autos--92% • Indirect loans-- 89% • Direct loans--11%
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NonPerforming by Type -- LEGACY LOANS --
6/30/16 Balance of $5,809 (in thousands)
*Includes Home Equity Loans of $340 *Includes Home Equity Loans of $297
3/31/16 Balance of $13,348 (in thousands)
Consumer* $1,930 33%
Single Family Real Estate
$1,379 24%
Commercial Real Estate
$2,288 39%
Const & Land Dev
$209 4%
Commercial Business
$3 0%
Consumer* $1,911 14%
Single Family Real
Estate $1,228
9%
Commercial Real Estate
$9,779 73%
Const & Land Dev
$249 2%
Commercial Business
$181 2%
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NonPerforming by Region -- LEGACY LOANS --
6/30/16 Balance of $5,809 (in thousands)
3/31/16 Balance of $13,348 (in thousands)
Springfield $723 12%
Branson $1,833 32%
Missouri Other $1,803 31%
Missouri SE $218 4%
Missouri SW $115 2%
Other Regions $1,117 19%
Springfield $1,815 14%
Branson $1,786 13%
Missouri Other $1,131
8% Missouri SE $6,792 51%
Missouri SW $549 4%
Other Regions $1,275 10%
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�Loan Portfolio �June 30, 2016Portfolio Diversification�-- LEGACY LOANS including Fifth Third --Portfolio Diversification� -- Loans Previously Covered by Loss Share --Portfolio Diversification�--Acquired Loans from Valley Bank Not Covered by Loss Share--Portfolio Diversification�-- Total Loss Share Loans --Portfolio by Region�-- LEGACY LOANS Including Fifth Third --Portfolio By Region�-- LOANS PREVIOUSLY COVERED BY LOSS SHARE --Portfolio by Region�--Total Loss Share Loans--Commercial Real Estate�-- LEGACY LOANS Including Fifth Third --Construction & Land Development�-- LEGACY LOANS Including Fifth Third--Multi Family Real Estate by Region�-- LEGACY LOANS Including Fifth Third--Multi Family Real Estate by LTV�-- LEGACY LOANS Including Fifth Third --Consumer Auto Loans by Region�-- LEGACY LOANS Including Fifth Third --NonPerforming by Type�-- LEGACY LOANS --NonPerforming by Region�-- LEGACY LOANS --