September 30, 2017 Portfolio Diversification Legacy Loans [in - - PowerPoint PPT Presentation

▶
september 30 2017 portfolio diversification
SMART_READER_LITE
LIVE PREVIEW

September 30, 2017 Portfolio Diversification Legacy Loans [in - - PowerPoint PPT Presentation

Aug 13, 2022 479 likes •620 views

September 30, 2017 Portfolio Diversification Legacy Loans [in thousands] $3,627,125 $3,579,552 9.30.17 6.30.17 Bonds Bonds $22,412 $22,991 1% 1% Commercial Commercial Business Business Consumer* Consumer* $292,628 $292,798

slide-1
SLIDE 1

September 30, 2017

slide-2
SLIDE 2

Portfolio Diversification

Legacy Loans

9.30.17

$3,627,125 $3,579,552

6.30.17

*Includes Home Equity Loans of $110,237 Includes Home Equity Loans of $108,227

Consumer* $603,487 17%

Single Family Real Estate $321,482 9%

Multifamily Real Estate $673,576 19% Commercial Real Estate $1,200,966 33%

Const & Land Dev $464,252 13%

Bonds $22,991 1%

Commercial Business $292,798 8%

2

Consumer* $568,304 16%

Single Family Real Estate $324,178 9%

Multifamily Real Estate $745,591 20% Commercial Real Estate $1,213,470 33%

Const & Land Dev $460,542 13%

Bonds $22,412 1%

Commercial Business $292,628 8%

[in thousands]

slide-3
SLIDE 3

Portfolio Diversification

Terminated Loss Share Agreement Loans

9.30.17

$182,657 $195,380

6.30.17

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

*Includes Home Equity Loans of $29,182

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

*Includes Home Equity Loans of $30,581 Multi Family $5,399 3%

Single Family Real Estate $128,465 66%

Commercial Real Estate $22,245 11%

Const & Land Dev $1,719 1%

Consumer* $33,770 17% Other Loans $3,782 2%

3

Multi Family $4,942 3% Single Family Real Estate $120,111 66% Commercial Real Estate $20,613 11% Const & Land Dev $1,551 1% Consumer* $32,033 17% Other Loans $3,407 2%

[in thousands]

slide-4
SLIDE 4

Portfolio Diversification

FDIC Assisted Acquired Loans

9.30.17

$67,346 $71,860

6.30.17

Valley Bank

*Includes Home Equity Loans of $512

Valley Bank

*Includes Home Equity Loans of $647 Consumer* $1,543 2% Single Family Real Estate $20,761 29% Multifamily Real Estate $18,757 26% Commercial Real Estate $20,894 29% Const & Land Dev $4,391 6% Commercial Business $5,514 8%

4

Consumer* $1,314 2% Single Family Real Estate $20,040 30% Multifamily Real Estate $16,325 24% Commercial Real Estate $20,295 30% Const & Land Dev $4,338 6% Commercial Business $5,034 8%

[in thousands]

slide-5
SLIDE 5

Portfolio by Region

Legacy Loans

9.30.17

$3,627,125 $3,579,552

6.30.17

Missouri SE $85,462 2% Missouri Central $105,955 3%

Missouri SW $158,351 4%

St Louis $681,862 19% Kansas City $233,093 7% Missouri NE/NW $26,964 1% Springfield $420,873 12% Branson $88,551 2%

Iowa/ Nebraska/ South Dakota $264,293 8% Minnesota $147,065 4% Oklahoma $222,141 6% Arkansas Other $87,208 2% Kansas Other $83,985 2%

Texas $374,416 10% Fayetteville $138,498 4% Chicago $59,030 2% Other Regions $401,805 12%

5

Missouri SE $83,054 2% Missouri Central $102,061 3% Missouri SW $145,875 4%

St Louis $683,539 19%

Kansas City $262,828 7%

Missouri NE/NW $27,691 1%

Springfield $412,097 11%

Branson $81,082 2% Iowa/ Nebraska/ South Dakota $250,859 7% Minnesota $156,601 4% Oklahoma $242,453 6% Arkansas Other $82,002 2% Kansas Other $97,633 3%

Texas $387,901 11%

Fayetteville $134,463 4%

Chicago $58,568 2% Other Regions $418,418 12%

[in thousands]

slide-6
SLIDE 6

Portfolio by Region

Terminated Loss Share Agreement Loans

9.30.17

$182,657 $195,380

6.30.17

Iowa/ Nebraska/ South Dakota $19,831 10% Missouri NE/Central $2,136 1%

Kansas City $9,033 5% Missouri SW $10,347 5% Minnesota $125,388 64%

Kansas Other $3,539 2%

Missouri SE $4,521 2%

  • St. Louis

$13,584 7%

Chicago $180 0% Other Regions $6,821 4%

6

Iowa/ Nebraska/ South Dakota $18,626 10% Missouri NE/Central $1,901 1%

Kansas City $8,537 5% Missouri SW $9,627 5% Minnesota $117,550 64%

Kansas Other $3,397 2%

Missouri SE $4,236 2%

  • St. Louis

$12,206 7% Chicago $173 0% Other Regions $6,404 4%

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

slide-7
SLIDE 7

Commercial Real Estate

Legacy Loans

9.30.17

$1,213,470 $1,200,966

6.30.17

Retail $394,083 33% Healthcare $193,693 16%

Motels / Hotels $101,229 8%

Restaurants $78,076 7% Office Buildings $206,536 17% Recreational Facilities $25,811 2% Industrial $124,117 10% Storage $6,834 1% Other $70,587 6%

7

Retail $401,275 33% Healthcare $184,876 15% Motels / Hotels $107,640 9% Restaurants $76,818 6% Office Buildings $217,030 18% Recreational Facilities $25,181 2% Industrial $125,370 10% Storage $6,348 1%

Other $68,932 6%

[in thousands]

slide-8
SLIDE 8

Construction & Land Development

Legacy Loans

9.30.17

$460,542 $464,252

6.30.17

Single Family $12,879 3% Apartments $241,054 52% Residential Land Dev $14,664 3%

Commercial Land Dev $41,681 9% Retail $54,967 12%

Healthcare $22,230 5% Motels / Hotels $12,504 2% Office $27,096 6% Industrial $24,399 5% Other $12,778 3%

8

Single Family $10,924 3% Apartments $228,108 50% Residential Land Dev $14,647 3% Commercial Land Dev $38,028 8%

Retail $65,976 14%

Healthcare $39,654 9% Motels / Hotels $8,929 2%

Office $24,355 5%

Industrial $14,471 3% Other $15,450 3%

[in thousands]

slide-9
SLIDE 9

Multi Family Real Estate by Region

Legacy Loans

9.30.17

$745,591 $673,576

6.30.17

Fayetteville $17,960 3%

Arkansas Other $21,087 3% Kansas City $40,353 6%

Kansas Other $28,203 4% Minnesota $34,888 5%

Iowa / Neb / South Dakota $48,022 7%

Springfield $55,260 8%

Missouri Central /NE/NW $12,582 2%

  • St. Louis

$82,853 12%

Missouri Southwest $23,275 4% Oklahoma $59,608 9% Texas $143,524 21% Chicago $8,337 1% Other Regions $97,624 15%

9

Fayetteville $32,253 4% Arkansas Other $18,068 2% Kansas City $66,122 9% Kansas Other $30,786 4% Minnesota $32,294 4% Iowa / Neb / South Dakota $44,810 6%

Springfield $53,873 7%

Missouri Central /NE/NW $12,474 2%

  • St. Louis

$100,916 14%

Missouri Southwest $11,194 2%

Oklahoma $69,711 9% Texas $146,405 20% Chicago $7,068 1% Other Regions $119,617 16%

[in thousands]

Average credit size is $2,493,614 Average credit size is $2,322,506

slide-10
SLIDE 10

Multi Family Real Estate by LTV

Legacy Loans

9.30.17

$745,591 $673,576

6.30.17

25% or less $8,224 1% 26%-50% $95,891 14% 51%-75% $432,713 64% 76%-85% $117,431 18% 86% and higher $19,317 3%

10

25% or less $8,518 1%

26%-50% $107,319 14% 51%-75% $505,656 68% 76%-85% $105,057 14%

86% and higher $19,041 3%

[in thousands]

slide-11
SLIDE 11

Consumer Auto Loans by Region

Legacy Loans

9.30.17

$394,339 $429,346

6.30.17

Fayetteville $38,291 9% Arkansas Other $39,807 9% Oklahoma $2,644 1% Springfield $66,552 16%

  • St. Louis

$36,184 8% Kansas City $17,056 4% Missouri Southeast $72,957 17% Missouri NE/NW $5,159 1% Missouri Central $19,131 4% Missouri Southwest $61,692 14%

Iowa / Neb / SD $34,482 8%

Kansas Other $13,208 3% Other Regions $22,183 6%

11

Fayetteville $35,686 9% Arkansas Other $37,861 10% Oklahoma $2,352 1%

Springfield $61,341 16%

  • St. Louis

$33,251 8%

Kansas City $15,432 4%

Missouri Southeast $66,256 17%

Missouri NE/NW $4,754 1%

Missouri Central $17,516 4%

Missouri Southwest $57,090 14%

Iowa / Neb / SD $28,394 7% Kansas Other $12,192 3%

Other Regions $22,214 6%

[in thousands]

  • 69% of the Consumer Portfolio
  • Avg. origination balance $16,306
  • Avg. origination term 5 years
  • Expected life 21 months
  • Average Primary FICO-683
  • New autos--4%
  • Used autos--96%
  • Indirect loans-- 88%
  • Direct loans--12%
  • 71% of the Consumer Portfolio
  • Avg. origination balance $16,300
  • Avg. origination term 5 years
  • Expected life 23 months
  • Average Primary FICO-706
  • New autos--4%
  • Used autos--96%
  • Indirect loans-- 89%
  • Direct loans--11%

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

slide-12
SLIDE 12

NonPerforming by Type

Legacy Loans

9.30.17

$9,459 $13,264

6.30.17

Consumer* $3,035 23% Single Family Real Estate $1,502 11% Multifamily Real Estate $161 1% Commercial Real Estate $2,554 19% Const & Land Dev $624 5% Commercial Business $5,388 41%

12

Consumer* $3,742 40% Single Family Real Estate $2,756 29%

Multifamily Real Estate $77 1% Commercial Real Estate $568 6% Const & Land Dev $136 1%

Commercial Business $2,180 23%

[in thousands]

*Includes Home Equity Loans of $214 *Includes Home Equity Loans of $508

slide-13
SLIDE 13

NonPerforming by Region

Legacy Loans

9.30.17

$9,459 $13,264

6.30.17

St Louis $1,509 11% Springfield $481 4% Branson $3,856 29%

Missouri Other $1,227 9%

Missouri Central $1,433 11% Missouri SE $507 4%

Iowa/ Neb /S. Dakota $359 3% Arkansas $1,128 8% Texas $1,026 8%

Other Regions $1,738 13%

13

St Louis $1,073 11% Springfield $1,939 21% Missouri Other $1,221 13% Missouri Central $598 6% Missouri SE $513 5% Iowa/ Neb /S. Dakota $244 3% Arkansas $832 9% Texas $1,025 11% Other Regions $2,014 21%

[in thousands]