March 31, 2018 Portfolio Diversification Legacy Loans [in - - PowerPoint PPT Presentation

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March 31, 2018 Portfolio Diversification Legacy Loans [in - - PowerPoint PPT Presentation

Oct 02, 2023 514 likes •692 views

March 31, 2018 Portfolio Diversification Legacy Loans [in thousands] $3,612,321 $3,567,835 3.31.18 12.31.17 Bonds Bonds $20,829 $21,657 0% 1% Commercial Commercial Business Business Consumer* Consumer* $282,291 $280,692

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SLIDE 1

March 31, 2018

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SLIDE 2

Portfolio Diversification

Legacy Loans

3.31.18

$3,612,321 $3,567,835

12.31.17

*Includes Home Equity Loans of $114,842 Includes Home Equity Loans of $115,439

Consumer* $535,949 15%

Single Family Real Estate $317,754 9%

Multifamily Real Estate $713,360 20% Commercial Real Estate $1,218,229 34%

Const & Land Dev $480,194 13%

Bonds $21,657 1%

Commercial Business $280,692 8%

2

Consumer* $498,555 14%

Single Family Real Estate $324,454 9%

Multifamily Real Estate $708,290 20% Commercial Real Estate $1,272,969 35%

Const & Land Dev $504,933 14%

Bonds $20,829 0%

Commercial Business $282,291 8%

[in thousands]

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SLIDE 3

Portfolio Diversification

Terminated Loss Share Agreement Loans

3.31.18

$160,079 $171,819

12.31.17

Team Bank, Vantus Bank, Sun Security Bank, and InterSavings Bank

*Includes Home Equity Loans of $25,787

Team Bank, Vantus Bank, Sun Security Bank, and InterSavings Bank

*Includes Home Equity Loans of $27,319 Multi Family $4,638 3%

Single Family Real Estate $112,948 66%

Commercial Real Estate $19,457 11%

Const & Land Dev $1,493 1%

Consumer* $29,935 17% Other Loans $3,348 2%

3

Multi Family $4,149 3% Single Family Real Estate $105,673 66% Commercial Real Estate $17,507 11% Const & Land Dev $1,426 1% Consumer* $28,130 17% Other Loans $3,194 2%

[in thousands]

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SLIDE 4

Portfolio Diversification

FDIC Assisted Acquired Loans

3.31.18

$58,326 $59,997

12.31.17

Valley Bank

*Includes Home Equity Loans of $431

Valley Bank

*Includes Home Equity Loans of $459 Consumer* $1,209 2% Single Family Real Estate $19,482 32% Multifamily Real Estate $10,862 18% Commercial Real Estate $19,281 32% Const & Land Dev $4,016 7% Commercial Business $5,147 9%

4

Consumer* $1,111 2% Single Family Real Estate $18,689 32% Multifamily Real Estate $10,796 19% Commercial Real Estate $19,473 33% Const & Land Dev $3,945 7% Commercial Business $4,312 7%

[in thousands]

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SLIDE 5

Portfolio by Region

Legacy Loans

3.31.18

$3,612,321 $3,567,835

12.31.17

Missouri SE $78,206 2% Missouri Central $97,831 3%

Missouri SW $141,224 4%

St Louis $674,007 19% Kansas City $249,143 7% Missouri NE/NW $27,056 1% Springfield $385,615 11% Branson $78,052 2%

Iowa/ Nebraska/ South Dakota $248,865 7% Minnesota $163,578 5% Oklahoma $256,724 7% Arkansas Other $79,318 2% Kansas Other $88,712 2%

Texas $369,633 10% Fayetteville $113,783 3% Chicago $60,773 2% Other Regions $455,315 13%

5

Missouri SE $73,275 2% Missouri Central $96,109 3% Missouri SW $134,347 4%

St Louis $694,739 19%

Kansas City $262,744 7%

Missouri NE/NW $27,668 1%

Springfield $368,270 10%

Branson $74,185 2% Iowa/ Nebraska/ South Dakota $265,076 7% Minnesota $166,778 5% Oklahoma $249,685 7% Arkansas Other $77,135 2% Kansas Other $100,095 3%

Texas $376,507 10%

Fayetteville $110,222 3%

Chicago $77,503 2% Other Regions $457,983 13%

[in thousands]

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SLIDE 6

Portfolio by Region

Terminated Loss Share Agreement Loans

3.31.18

$160,079 $171,819

12.31.17

Iowa/ Nebraska/ South Dakota $17,895 10% Missouri NE/Central $1,877 1%

Kansas City $8,160 5% Missouri SW $8,810 5% Minnesota $109,626 64%

Kansas Other $3,068 2%

Missouri SE $4,044 2%

  • St. Louis

$12,053 7%

Chicago $159 0% Other Regions $6,127 4%

6

Iowa/ Nebraska/ South Dakota $16,799 11% Missouri Central $1,635 1%

Kansas City $7,523 5% Missouri SW $8,232 5% Minnesota $103,145 64%

Kansas Other $2,894 2%

Missouri SE $3,690 2%

  • St. Louis

$10,371 6% Chicago $105 0% Other Regions $5,685 4%

[in thousands] Team Bank, Vantus Bank, Sun Security Bank, and InterSavings Bank Team Bank, Vantus Bank, Sun Security Bank, and InterSavings Bank

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SLIDE 7

Commercial Real Estate

Legacy Loans

3.31.18

$1,272,969 $1,218,229

12.31.17

Retail $404,627 33% Healthcare $206,600 17%

Motels / Hotels $107,210 9%

Restaurants $75,507 6% Office Buildings $200,641 16% Recreational Facilities $24,105 2% Industrial $124,745 10% Storage $6,290 1% Other $68,504 6%

7

Retail $430,226 34% Healthcare $217,793 17% Motels / Hotels $118,422 9% Restaurants $76,324 6% Office Buildings $199,268 16% Recreational Facilities $20,168 2% Industrial $132,960 10% Storage $6,721 0%

Other $71,087 6%

[in thousands]

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SLIDE 8

Commercial Real Estate by Region

Legacy Loans

3.31.18

$1,218,229

12.31.17

Missouri SE $1,681 0% Missouri Central $47,637 4%

Missouri SW $64,492 5%

St Louis $251,224 21% Kansas City $71,601 6% Missouri NE/NW $14,910 1% Springfield $86,402 7% Branson $31,072 3%

Iowa/ Nebraska/ South Dakota $74,015 6% Minnesota $65,669 5% Oklahoma $93,677 8% Arkansas Other $11,208 1% Kansas Other $28,494 2%

Texas $147,188 12% Fayetteville $14,321 1% Chicago $33,600 3% Other Regions $181,038 15%

8

Missouri SE $1,276 0% Missouri Central $48,955 4% Missouri SW $58,999 5%

St Louis $252,502 20%

Kansas City $93,155 7%

Missouri NE/NW $14,760 1%

Springfield $84,933 7%

Branson $29,438 2% Iowa/ Nebraska/ South Dakota $89,423 7% Minnesota $67,501 5% Oklahoma $90,917 7% Arkansas Other $10,895 1% Kansas Other $37,691 3%

Texas $151,435 12%

Fayetteville $13,071 1%

Chicago $41,978 3% Other Regions $186,040 15%

[in thousands]

$1,272,969

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SLIDE 9

Construction & Land Development

Legacy Loans

3.31.18

$504,933 $480,194

12.31.17

Single Family $10,393 2% Apartments $208,883 43% Residential Land Dev $12,609 3%

Commercial Land Dev $37,310 8% Retail $82,710 17%

Healthcare $41,170 9% Motels / Hotels $15,108 3% Office $31,757 7% Industrial $20,841 4% Other $19,413 4%

9

Single Family $12,495 3% Apartments $244,371 48% Residential Land Dev $12,192 2% Commercial Land Dev $39,345 8%

Retail $71,098 14%

Healthcare $60,701 12% Motels / Hotels $7,635 2%

Office $14,732 3%

Industrial $26,766 5% Other $15,598 3%

[in thousands]

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SLIDE 10

Construction & Land Development by Region

Legacy Loans

3.31.18

$480,194

12.31.17

Missouri SE/SW $819 0%

Missouri Central $5,566 1%

St Louis $47,473 10%

Kansas City $67,744 14%

Missouri NE/NW $2,947 1% Springfield $11,289 2% Branson $6,836 1%

Iowa/Nebraska/ South Dakota $33,756 7% Minnesota $37,559 8%

Oklahoma $71,833 15%

Arkansas Other $9,612 2%

Kansas Other $10,952 2% Texas $69,672 15%

Fayetteville $12,635 3%

Chicago $16,518 3% Other Regions $74,983 16%

1

Missouri SE/SW $2,664 1%

Missouri Central $5,644 1%

St Louis $53,663 11%

Kansas City $46,271 9%

Missouri NE $4,400 1% Springfield $11,902 2% Branson $6,649 1%

Iowa/ Nebraska/ South Dakota $41,969 8% Minnesota $36,230 7%

Oklahoma $75,391 15%

Arkansas Other $10,295 2%

Kansas Other $7,828 2% Texas $70,471 14%

Fayetteville $14,338 3%

Chicago $25,158 5%

Other Regions $92,060 18%

[in thousands]

$504,933

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SLIDE 11

Multi Family Real Estate by Region

Legacy Loans

3.31.18

$708,290 $713,360

12.31.17

Fayetteville $29,513 4%

Arkansas Other $17,965 2% Kansas City $49,935 7%

Kansas Other $26,603 4% Minnesota $31,671 4%

Iowa / Neb / South Dakota $62,400 9%

Springfield $38,418 5%

Missouri Central /NE/NW $11,973 2%

  • St. Louis

$94,132 13%

Missouri Southwest $11,123 2% Oklahoma $75,330 11% Texas $145,265 20% Chicago $6,912 1% Other Regions $112,120 16%

11

Fayetteville $29,599 4% Arkansas Other $17,822 3% Kansas City $64,004 9% Kansas Other $33,499 5% Minnesota $31,356 4% Iowa / Neb / South Dakota $48,692 7%

Springfield $38,147 5%

Missouri Central /NE/NW $10,005 1%

  • St. Louis

$106,473 15%

Missouri Southwest $10,630 1%

Oklahoma $67,793 10% Texas $147,158 21% Chicago $6,672 1% Other Regions $96,440 14%

[in thousands]

Average credit size is $2,409,149 Average credit size is $2,459,860

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SLIDE 12

Multi Family Real Estate by LTV

Legacy Loans

3.31.18

$708,290 $713,360

12.31.17

25% or less $9,664 1% 26%-50% $85,548 12% 51%-75% $501,839 70% 76%-85% $103,239 15% 86% and higher $13,070 2%

12

25% or less $16,281 2%

26%-50% $86,155 12% 51%-75% $465,662 66% 76%-85% $128,405 18%

86% and higher $11,787 2%

[in thousands]

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SLIDE 13

Consumer Auto Loans by Region

Excluding Insured Credit Loans

Legacy Loans

3.31.18

$282,409 $311,018

12.31.17

Fayetteville $29,220 9% Arkansas Other $32,544 10% Oklahoma $1,707 1% Springfield $52,331 17%

  • St. Louis

$20,829 7% Kansas City $10,891 3% Missouri Southeast $48,519 16% Missouri NE/NW $3,696 1% Missouri Central $13,256 4% Missouri Southwest $46,798 15%

Iowa / Neb / SD $23,336 8%

Kansas Other $9,408 3% Other Regions $18,483 6%

13

Fayetteville $26,598 9% Arkansas Other $30,740 11% Oklahoma $1,438 1%

Springfield $47,616 17%

  • St. Louis

$19,058 7%

Kansas City $9,706 3%

Missouri Southeast $43,115 15%

Missouri NE/NW $3,351 1%

Missouri Central $12,032 4%

Missouri Southwest $42,785 15%

Iowa / Neb / SD $21,650 8% Kansas Other $8,569 3%

Other Regions $15,751 6%

[in thousands]

  • 57% of the Consumer Portfolio
  • Avg. origination balance $15,999
  • Avg. origination term 5 years
  • Expected life 19 months
  • Average Primary FICO-684
  • New autos--3%
  • Used autos--97%
  • Indirect loans-- 86%
  • Direct loans--14%
  • 58% of the Consumer Portfolio
  • Avg. origination balance $15,939
  • Avg. origination term 5 years
  • Expected life 20 months
  • Average Primary FICO-684
  • New autos--3%
  • Used autos--97%
  • Indirect loans-- 86%
  • Direct loans--14%

(Adjusted to exclude nonperforming and insured credit program loans) (Adjusted to exclude nonperforming and insured credit program loans)

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SLIDE 14

Consumer Insured Credit Loans by Region

Legacy Loans

3.31.18

$40,713 $46,027

12.31.17

Fayetteville $3,751 8% Arkansas Other $2,807 6% Oklahoma $363 1% Springfield $3,313 7%

  • St. Louis

$8,556 19%

Kansas City $3,063 7% Missouri Southeast $10,707 24% Missouri NE/NW $633 1% Missouri Central $2,420 5% Missouri Southwest $5,428 12%

Iowa / Neb / SD $1,923 4%

Kansas Other $1,609 3% Other Regions $1,454 3%

14

Fayetteville $3,214 8% Arkansas Other $2,349 6% Oklahoma $346 1% Springfield $2,961 7%

  • St. Louis

$7,612 19%

Kansas City $2,635 7%

Missouri Southeast $9,609 24%

Missouri NE/NW $599 1%

Missouri Central $2,121 5%

Missouri Southwest $4,805 12%

Iowa / Neb / SD $2,164 5%

Kansas Other $1,414 3% Other Regions $884 2%

[in thousands]

  • 8% of the Consumer Portfolio
  • Avg. origination balance $19,673
  • Avg. origination term 6 years
  • Expected life 19 months
  • Average Primary FICO-577
  • New autos--7%
  • Used autos--93%
  • Indirect loans--97%
  • Direct loans--3%
  • 9% of the Consumer Portfolio
  • Avg. origination balance $19,658
  • Avg. origination term 6 years
  • Expected life 20 months
  • Average Primary FICO-575
  • New autos--7%
  • Used autos--93%
  • Indirect loans--97%
  • Direct loans--3%

(Adjusted to exclude nonperforming loans) (Adjusted to exclude nonperforming loans)

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SLIDE 15

NonPerforming by Type

Legacy Loans

3.31.18

$9,336 $11,255

12.31.17

Consumer* $3,271 29% Single Family Real Estate $2,720 24% Multifamily Real Estate $1,877 17% Commercial Real Estate $1,226 11% Const & Land Dev $98 1% Commercial Business $2,063 18%

15

Consumer* $2,836 30% Single Family Real Estate $2,784 30% Commercial Real Estate $360 4% Const & Land Dev $96 1% Commercial Business $3,260 35%

[in thousands]

*Includes Home Equity Loans of $430 *Includes Home Equity Loans of $345

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SLIDE 16

NonPerforming by Region

Legacy Loans

3.31.18

$9,336 $11,255

12.31.17

St Louis $1,691 15% Springfield $2,009 18%

Kansas $248 2% Missouri Other $439 4%

Missouri Central $2,231 20% Missouri SW $911 8%

Iowa/ Neb /S. Dakota $269 2% Arkansas $908 8% Texas $1,029 9% Other Regions $1,520 14%

16

St Louis $1,633 17% Springfield $2,130 23% Kansas $251 3% Missouri Other $375 4% Missouri Central $352 4% Missouri SW $557 6% Iowa/ Neb /S. Dakota $424 5% Arkansas $1,151 12% Texas $1,025 11% Other Regions $1,438 15%

[in thousands]