| As of 12/16 | As of 03/17 | As of 06/17 | |||||||||||||||||||||
| Loan Loss Reserve - Total | $ | 123,356 | $ | 126,972 | $ | 128,779 | |||||||||||||||||
| General and Specific Allowance | 118,456 | 121,922 | 122,229 | ||||||||||||||||||||
| Commitments Reserve | 4,900 | 5,050 | 6,550 | ||||||||||||||||||||
| Allowance and Reserve as a % of Gross Loans | 1.09 | % | 1.09 | % | 1.08 | % | |||||||||||||||||
| 12/16 QTR | 12/16 YTD | 03/17 QTR | 03/17 YTD | 06/17 QTR | 06/17 YTD | ||||||||||||||||||
| Loan Originations - Total | $ | 1,241,046 | $ | 1,241,046 | $ | 944,083 | $ | 2,185,129 | $ | 1,030,996 | $ | 3,216,125 | |||||||||||
| Single-Family Residential | 215,241 | 215,241 | 170,547 | 385,788 | 181,721 | 567,509 | |||||||||||||||||
| Construction | 338,599 | 338,599 | 167,422 | 506,021 | 268,027 | 774,048 | |||||||||||||||||
| Construction - Custom | 122,955 | 122,955 | 120,646 | 243,601 | 129,077 | 372,678 | |||||||||||||||||
| Land - Acquisition & Development | 16,229 | 16,229 | 10,336 | 26,565 | 21,559 | 48,124 | |||||||||||||||||
| Land - Consumer Lot Loans | 9,065 | 9,065 | 8,158 | 17,223 | 10,200 | 27,423 | |||||||||||||||||
| Multi-Family | 111,959 | 111,959 | 93,279 | 205,238 | 43,716 | 248,954 | |||||||||||||||||
| Commercial Real Estate | 164,098 | 164,098 | 77,949 | 242,047 | 97,962 | 340,009 | |||||||||||||||||
| Commercial & Industrial | 243,924 | 243,924 | 277,676 | 521,600 | 258,310 | 779,910 | |||||||||||||||||
| HELOC | 18,391 | 18,391 | 17,221 | 35,612 | 19,310 | 54,922 | |||||||||||||||||
| Consumer | 585 | 585 | 849 | 1,434 | 1,114 | 2,548 | |||||||||||||||||
| Purchased Loans (including acquisitions) | $ | — | $ | — | $ | 72,856 | $ | 72,856 | $ | — | $ | 72,856 | |||||||||||
| Net Loan Fee and Discount Accretion | $ | 6,762 | $ | 6,762 | $ | 5,764 | $ | 12,526 | $ | 2,348 | $ | 14,874 | |||||||||||
| Repayments | |||||||||||||||||||||||
| Loans | $ | 896,109 | $ | 896,109 | $ | 710,691 | $ | 1,606,800 | $ | 793,432 | $ | 2,400,232 | |||||||||||
| MBS | 178,169 | 178,169 | 96,900 | 275,069 | 151,218 | 426,287 | |||||||||||||||||
| MBS Premium Amortization | $ | 5,039 | $ | 5,039 | $ | 2,992 | $ | 8,031 | $ | 2,620 | $ | 10,651 | |||||||||||
| Efficiency | |||||||||||||||||||||||
| Operating Expenses/Average Assets | 1.46 | % | 1.46 | % | 1.55 | % | 1.50 | % | 1.52 | % | 1.51 | % | |||||||||||
| Efficiency Ratio (%) | 47.23 | % | 47.23 | % | 48.76 | % | 48.00 | % | 46.57 | % | 47.51 | % | |||||||||||
| Amortization of Intangibles | $ | 521 | $ | 521 | $ | 398 | $ | 919 | $ | 375 | $ | 1,294 | |||||||||||
| EOP Numbers | |||||||||||||||||||||||
| Shares Issued and Outstanding | 89,272,268 | 89,438,563 | 88,750,133 | ||||||||||||||||||||
| Share repurchase information | |||||||||||||||||||||||
| Remaining shares authorized for repurchase | 4,231,553 | 4,157,081 | 3,245,187 | ||||||||||||||||||||
| Shares repurchased | 757,768 | 757,768 | 477 | 758,245 | 811,034 | 1,569,279 | |||||||||||||||||
| Average share repurchase price | $ | 26.90 | $ | 26.90 | $ | 33.55 | $ | 26.91 | $ | 32.14 | $ | 29.61 | |||||||||||
| Tangible Common Book Value | As of 12/16 | As of 03/17 | As of 06/17 | ||||||||||||||
| $ Amount | $ | 1,703,133 | $ | 1,718,625 | $ | 1,725,491 | |||||||||||
| Per Share | 19.08 | 19.22 | 19.44 | ||||||||||||||
| # of Employees | 1,813 | 1,797 | 1,815 | ||||||||||||||
| Investments | |||||||||||||||||
| Available-for-sale: | |||||||||||||||||
| Agency MBS | $ | 959,661 | $ | 916,006 | $ | 809,702 | |||||||||||
| Other | 482,274 | 472,776 | 460,712 | ||||||||||||||
| $ | 1,441,935 | $ | 1,388,782 | $ | 1,270,414 | ||||||||||||
| Held-to-maturity: | |||||||||||||||||
| Agency MBS | $ | 1,752,010 | $ | 1,697,650 | $ | 1,651,528 | |||||||||||
| $ | 1,752,010 | $ | 1,697,650 | $ | 1,651,528 | ||||||||||||
| As of 12/16 | As of 03/17 | As of 06/17 | |||||||||||||||
| Loans Receivable by Category (a) | AMOUNT | % | AMOUNT | % | AMOUNT | % | |||||||||||
| Single-Family Residential | $ | 5,624,263 | 49.6% | $ | 5,693,072 | 48.9% | $ | 5,687,850 | 47.9% | ||||||||
| Construction | 1,265,747 | 11.2 | 1,311,635 | 11.3 | 1,436,874 | 12.1 | |||||||||||
| Construction - Custom | 494,447 | 4.4 | 527,319 | 4.5 | 561,260 | 4.7 | |||||||||||
| Land - Acquisition & Development | 119,085 | 1.1 | 118,726 | 1.0 | 119,524 | 1.0 | |||||||||||
| Land - Consumer Lot Loans | 101,104 | 0.9 | 101,227 | 0.9 | 101,626 | 0.9 | |||||||||||
| Multi-Family | 1,217,594 | 10.7 | 1,266,911 | 10.9 | 1,263,187 | 10.6 | |||||||||||
| Commercial Real Estate | 1,207,573 | 10.7 | 1,296,039 | 11.1 | 1,346,006 | 11.3 | |||||||||||
| Commercial & Industrial | 1,025,821 | 9.1 | 1,071,629 | 9.2 | 1,116,860 | 9.4 | |||||||||||
| HELOC | 148,452 | 1.3 | 146,172 | 1.3 | 148,584 | 1.3 | |||||||||||
| Consumer | 124,547 | 1.1 | 107,759 | 0.9 | 95,775 | 0.8 | |||||||||||
| 11,328,633 | 100% | 11,640,489 | 100% | 11,877,546 | 100% | ||||||||||||
| Less: | |||||||||||||||||
| ALL | 118,456 | 121,922 | 122,229 | ||||||||||||||
| Loans in Process | 1,027,168 | 1,009,937 | 1,054,513 | ||||||||||||||
| Net Deferred Fees, Costs and Discounts | 46,698 | 45,608 | 46,379 | ||||||||||||||
| Sub-Total | 1,192,322 | 1,177,467 | 1,223,121 | ||||||||||||||
| $ | 10,136,311 | $ | 10,463,022 | $ | 10,654,425 | ||||||||||||
| Net Loan Portfolio by Category | AMOUNT | % | AMOUNT | % | AMOUNT | % | |||||||||||
| Single-Family Residential | $ | 5,565,673 | 54.9% | $ | 5,632,558 | 53.8% | $ | 5,628,508 | 52.8% | ||||||||
| Construction | 486,784 | 4.8 | 564,133 | 5.4 | 656,287 | 6.2 | |||||||||||
| Construction - Custom | 233,867 | 2.3 | 248,878 | 2.4 | 265,722 | 2.5 | |||||||||||
| Land - Acquisition & Development | 95,997 | 0.9 | 96,330 | 0.9 | 103,414 | 1.0 | |||||||||||
| Land - Consumer Lot Loans | 98,118 | 1.0 | 98,252 | 0.9 | 98,592 | 0.9 | |||||||||||
| Multi-Family | 1,205,737 | 11.9 | 1,254,499 | 12.0 | 1,250,730 | 11.7 | |||||||||||
| Commercial Real Estate | 1,188,637 | 11.7 | 1,278,189 | 12.2 | 1,327,530 | 12.5 | |||||||||||
| Commercial & Industrial | 992,261 | 9.8 | 1,039,309 | 9.9 | 1,082,486 | 10.2 | |||||||||||
| HELOC | 146,790 | 1.4 | 144,642 | 1.4 | 147,012 | 1.4 | |||||||||||
| Consumer | 122,447 | 1.2 | 106,232 | 1.0 | 94,144 | 0.9 | |||||||||||
| $ | 10,136,311 | 100% | $ | 10,463,022 | 100% | $ | 10,654,425 | 100% | |||||||||
| As of 12/31/16 | As of 03/31/17 | As of 06/30/17 | |||||||||||||||||||||||||||
| Deposits by State | AMOUNT | % | # | AMOUNT | % | # | AMOUNT | % | # | ||||||||||||||||||||
| Washington (WA) | $ | 5,196,140 | 48.8 | % | 81 | $ | 5,146,140 | 48.4 | % | 81 | $ | 5,199,590 | 48.9 | % | 81 | ||||||||||||||
| Idaho (ID) | 768,704 | 7.2 | 24 | 785,092 | 7.4 | 24 | 768,049 | 7.2 | 24 | ||||||||||||||||||||
| Oregon (OR) | 1,952,655 | 18.3 | 48 | 1,946,137 | 18.3 | 47 | 1,939,619 | 18.2 | 47 | ||||||||||||||||||||
| Utah (UT) | 280,457 | 2.6 | 10 | 272,804 | 2.6 | 10 | 270,224 | 2.5 | 10 | ||||||||||||||||||||
| Nevada (NV) | 333,789 | 3.1 | 11 | 335,266 | 3.2 | 11 | 328,121 | 3.1 | 11 | ||||||||||||||||||||
| Texas (TX) | 97,276 | 0.9 | 5 | 94,656 | 0.9 | 5 | 96,264 | 0.9 | 5 | ||||||||||||||||||||
| Arizona (AZ) | 1,173,538 | 11.0 | 31 | 1,193,459 | 11.2 | 31 | 1,177,997 | 11.1 | 31 | ||||||||||||||||||||
| New Mexico (NM) | 845,016 | 7.9 | 27 | 857,253 | 8.1 | 27 | 854,414 | 8.0 | 27 | ||||||||||||||||||||
| Total | $ | 10,647,575 | 100% | 237 | $ | 10,630,807 | 100% | 236 | $ | 10,634,278 | 100% | 236 | |||||||||||||||||
| Deposits by Type | AMOUNT | % | AMOUNT | % | AMOUNT | % | |||||||||||||||||||||||
| Checking (non-interest) | $ | 1,124,169 | 10.6 | % | $ | 1,142,372 | 10.7 | % | $ | 1,195,152 | 11.2 | % | |||||||||||||||||
| NOW (interest) | 1,732,836 | 16.3 | 1,731,737 | 16.3 | 1,703,994 | 16.0 | |||||||||||||||||||||||
| Savings (passbook/statement) | 844,849 | 7.9 | 871,722 | 8.2 | 871,257 | 8.2 | |||||||||||||||||||||||
| Money Market | 2,492,483 | 23.4 | 2,466,868 | 23.2 | 2,433,547 | 22.9 | |||||||||||||||||||||||
| Time Deposits | 4,453,238 | 41.8 | 4,418,108 | 41.6 | 4,430,328 | 41.7 | |||||||||||||||||||||||
| Total | $ | 10,647,575 | 100% | $ | 10,630,807 | 100% | $ | 10,634,278 | 100% | ||||||||||||||||||||
| Deposits greater than $250,000 - EOP | $ | 2,410,863 | $ | 2,426,837 | $ | 2,524,536 | |||||||||||||||||||||||
| Time Deposit Repricing | Amount | Rate | Amount | Rate | Amount | Rate | |||||||||||||||||||||||
| Within 3 months | $ | 933,770 | 0.76 | % | $ | 930,544 | 0.71 | % | $ | 879,213 | 0.65 | % | |||||||||||||||||
| From 4 to 6 months | 896,254 | 0.74 | % | 852,702 | 0.67 | % | 649,962 | 0.67 | % | ||||||||||||||||||||
| From 7 to 9 months | 532,682 | 0.81 | % | 429,013 | 0.79 | % | 450,756 | 0.83 | % | ||||||||||||||||||||
| From 10 to 12 months | 391,159 | 0.80 | % | 442,072 | 0.84 | % | 625,472 | 0.87 | % | ||||||||||||||||||||
| Non-Performing Assets | AMOUNT | % | AMOUNT | % | AMOUNT | % | |||||||||||||||||||||||
| Non-accrual loans: | |||||||||||||||||||||||||||||
| Single-Family Residential | $ | 38,568 | 63.5% | $ | 34,373 | 60.1% | $ | 32,613 | 57.8% | ||||||||||||||||||||
| Construction | — | — | — | — | — | — | |||||||||||||||||||||||
| Construction - Custom | — | — | 240 | 0.4 | 536 | 1.0 | |||||||||||||||||||||||
| Land - Acquisition & Development | 603 | 1.0 | 80 | 0.1 | 71 | 0.1 | |||||||||||||||||||||||
| Land - Consumer Lot Loans | 969 | 1.6 | 1,129 | 2.0 | 1,066 | 1.9 | |||||||||||||||||||||||
| Multi-Family | 1,160 | 1.9 | 1,364 | 2.4 | 682 | 1.2 | |||||||||||||||||||||||
| Commercial Real Estate | 9,660 | 15.9 | 10,507 | 18.4 | 12,983 | 23.0 | |||||||||||||||||||||||
| Commercial & Industrial | 9,230 | 15.2 | 8,864 | 15.5 | 8,254 | 14.6 | |||||||||||||||||||||||
| HELOC | 480 | 0.8 | 583 | 1.0 | 181 | 0.3 | |||||||||||||||||||||||
| Consumer | 45 | 0.1 | 55 | 0.1 | 22 | — | |||||||||||||||||||||||
| Total non-accrual loans | 60,715 | 100% | 57,195 | 100% | 56,408 | 100% | |||||||||||||||||||||||
| Real Estate Owned | 22,637 | 22,543 | 19,112 | ||||||||||||||||||||||||||
| Total non-performing assets | $ | 83,352 | $ | 79,738 | $ | 75,520 | |||||||||||||||||||||||
| Non-accrual loans as % of total net loans | 0.60 | % | 0.55 | % | 0.53 | % | |||||||||||||||||||||||
| Non-performing assets as % of total assets | 0.56 | % | 0.53 | % | 0.50 | % | |||||||||||||||||||||||
| As of 12/31/16 | As of 03/31/17 | As of 06/30/17 | ||||||||||||||||||
| AMOUNT | % | AMOUNT | % | AMOUNT | % | |||||||||||||||
| Restructured loans: | ||||||||||||||||||||
| Single-Family Residential | $ | 217,943 | 87.2% | $ | 204,955 | 87.6% | $ | 196,575 | 87.9% | |||||||||||
| Construction | — | — | — | — | — | — | ||||||||||||||
| Construction - Custom | — | — | — | — | — | — | ||||||||||||||
| Land - Acquisition & Development | 1,139 | 0.5 | 594 | 0.3 | 190 | 0.1 | ||||||||||||||
| Land - Consumer Lot Loans | 9,619 | 3.8 | 9,410 | 4.0 | 8,878 | 4.0 | ||||||||||||||
| Multi-Family | 1,496 | 0.6 | 1,131 | 0.5 | 497 | 0.2 | ||||||||||||||
| Commercial Real Estate | 18,179 | 7.3 | 16,290 | 7.0 | 15,907 | 7.1 | ||||||||||||||
| Commercial & Industrial | — | — | — | — | — | — | ||||||||||||||
| HELOC | 1,461 | 0.6 | 1,414 | 0.6 | 1,409 | 0.6 | ||||||||||||||
| Consumer | 113 | — | 107 | — | 102 | — | ||||||||||||||
| Total restructured loans | $ | 249,950 | 100% | $ | 233,901 | 100% | $ | 223,558 | 100% | |||||||||||
| Restructured loans were as follows: | ||||||||||||||||||||
| Performing | $ | 235,503 | 94.2% | $ | 222,208 | 95.0% | $ | 215,178 | 96.3% | |||||||||||
| Non-performing (a) | 14,447 | 5.8 | 11,693 | 5.0 | 8,380 | 3.7 | ||||||||||||||
| Total restructured loans | $ | 249,950 | 100% | $ | 233,901 | 100% | $ | 223,558 | 100% | |||||||||||
| (a) Included in "Total non-accrual loans" above | ||||||||||||||||||||
| AMOUNT | CO % (b) | AMOUNT | CO % (b) | AMOUNT | CO % (b) | |||||||||||||||
| Net Charge-offs (Recoveries) by Category | ||||||||||||||||||||
| Single-Family Residential | $ | 3 | —% | $ | 157 | 0.01% | $ | 186 | 0.01% | |||||||||||
| Construction | — | — | — | — | — | — | ||||||||||||||
| Construction - Custom | — | — | 3 | — | — | — | ||||||||||||||
| Land - Acquisition & Development | (3,985 | ) | (13.39) | (4,168 | ) | (14.04) | (863 | ) | (2.89) | |||||||||||
| Land - Consumer Lot Loans | (53 | ) | (0.21) | (180 | ) | (0.71) | (118 | ) | (0.46) | |||||||||||
| Multi-Family | — | — | — | — | — | — | ||||||||||||||
| Commercial Real Estate | (339 | ) | (0.11) | (1,164 | ) | (0.36) | (164 | ) | (0.05) | |||||||||||
| Commercial & Industrial | (667 | ) | (0.26) | (112 | ) | (0.04) | (154 | ) | (0.06) | |||||||||||
| HELOC | 36 | 0.10 | 53 | 0.15 | (1 | ) | — | |||||||||||||
| Consumer | (291 | ) | (0.93) | 195 | 0.72 | (138 | ) | (0.58) | ||||||||||||
| Total net charge-offs (recoveries) | $ | (5,296 | ) | (0.19)% | $ | (5,216 | ) | (0.18)% | $ | (1,252 | ) | (0.04)% | ||||||||
| (b) Annualized Net Charge-offs (recoveries) divided by Gross Balance | ||||||||||||||||||||
| Interest Rate Risk | ||||||||||||||||||||
| One Year GAP | (15.3 | )% | (14.7 | )% | (15.8 | )% | ||||||||||||||
| NPV post 200 bps shock (c) | 13.9 | % | 13.9 | % | 14.5 | % | ||||||||||||||
| Change in NII after 200 bps shock (c) | 1.7 | % | 1.3 | % | 2.0 | % | ||||||||||||||
| (c) Assumes no balance sheet management actions taken | ||||||||||||||||||||
| Historical CPR Rates (d) | |||||
| WAFD | WAFD | ||||
| Average for Quarter Ended: | SFR Mortgages | GSE MBS | |||
| 9/30/2014 | 14.6 | % | 13.4 | % | |
| 12/31/2014 | 15.9 | % | 12.1 | % | |
| 3/31/2015 | 16.4 | % | 13.9 | % | |
| 6/30/2015 | 18.7 | % | 15.9 | % | |
| 9/30/2015 | 17.8 | % | 14.5 | % | |
| 12/31/2015 | 16.7 | % | 13.4 | % | |
| 3/31/2016 | 13.9 | % | 12.0 | % | |
| 6/30/2016 | 17.3 | % | 17.5 | % | |
| 9/30/2016 | 17.7 | % | 20.0 | % | |
| 12/31/2016 | 19.3 | % | 24.8 | % | |
| 3/31/2017 | 13.6 | % | 13.5 | % | |
| 6/30/2017 | 15.0 | % | 20.9 | % | |
| (d) 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. | |||||
| Three Months Ended | ||||||||||||||||||||||||||||||||
| December 31, 2016 | March 31, 2017 | June 30, 2017 | ||||||||||||||||||||||||||||||
| Average | Average | Average | Average | Average | Average | |||||||||||||||||||||||||||
| Balance | Interest | Rate | Balance | Interest | Rate | Balance | Interest | Rate | ||||||||||||||||||||||||
| Assets | ||||||||||||||||||||||||||||||||
| Loans receivable | $ | 10,013,798 | $ | 114,835 | 4.55 | % | $ | 10,267,530 | $ | 116,034 | 4.58 | % | $ | 10,579,593 | $ | 117,457 | 4.45 | % | ||||||||||||||
| Mortgage-backed securities | 2,537,585 | 12,789 | 2.00 | 2,664,959 | 16,226 | 2.47 | 2,551,598 | 15,992 | 2.51 | |||||||||||||||||||||||
| Cash & investments | 1,010,299 | 4,246 | 1.67 | 632,114 | 3,068 | 1.97 | 627,197 | 3,373 | 2.16 | |||||||||||||||||||||||
| FHLB & FRB Stock | 117,210 | 894 | 3.03 | 118,092 | 870 | 2.99 | 124,968 | 894 | 2.87 | |||||||||||||||||||||||
| Total interest-earning assets | 13,678,892 | 132,764 | 3.85 | % | 13,682,695 | 136,198 | 4.04 | % | 13,883,356 | 137,716 | 3.98 | % | ||||||||||||||||||||
| Other assets | 1,197,304 | 1,161,023 | 1,142,899 | |||||||||||||||||||||||||||||
| Total assets | $ | 14,876,196 | $ | 14,843,718 | $ | 15,026,255 | ||||||||||||||||||||||||||
| Liabilities and Equity | ||||||||||||||||||||||||||||||||
| Customer accounts | $ | 10,610,314 | 13,017 | 0.49 | % | $ | 10,578,631 | 12,392 | 0.48 | % | $ | 10,567,710 | 12,764 | 0.48 | % | |||||||||||||||||
| FHLB advances | 2,080,000 | 16,595 | 3.17 | 2,102,556 | 16,079 | 3.10 | 2,274,451 | 16,337 | 2.88 | |||||||||||||||||||||||
| Other borrowings | — | — | — | — | — | — | — | — | — | |||||||||||||||||||||||
| Total interest-bearing liabilities | 12,690,314 | 29,612 | 0.93 | % | 12,681,187 | 28,471 | 0.91 | % | 12,842,161 | 29,101 | 0.91 | % | ||||||||||||||||||||
| Other liabilities | 201,233 | 153,105 | 155,460 | |||||||||||||||||||||||||||||
| Total liabilities | 12,891,547 | 12,834,292 | 12,997,621 | |||||||||||||||||||||||||||||
| Stockholders’ equity | 1,984,649 | 2,009,426 | 2,028,634 | |||||||||||||||||||||||||||||
| Total liabilities and equity | $ | 14,876,196 | $ | 14,843,718 | $ | 15,026,255 | ||||||||||||||||||||||||||
| Net interest income | $ | 103,152 | $ | 107,727 | $ | 108,615 | ||||||||||||||||||||||||||
| Net interest margin (1) | 3.02 | % | 3.15 | % | 3.13 | % | ||||||||||||||||||||||||||
| (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 $ | ||||||||||||||||||||||
| June 30, 2017 | ||||||||||||||||||||||||||||||||
| Single-Family Residential | 25,779 | 221 | $ | 5,687,169 | 68 | 36 | 123 | 227 | 0.88 | % | $ | 44,653 | 0.79 | % | ||||||||||||||||||
| Construction | 624 | 1,095 | 683,273 | — | 1 | — | 1 | 0.16 | 686 | 0.10 | ||||||||||||||||||||||
| Construction - Custom | 1,218 | 221 | 269,612 | — | — | 2 | 2 | 0.16 | 536 | 0.20 | ||||||||||||||||||||||
| Land - Acquisition & Development | 118 | 941 | 111,057 | — | — | 4 | 4 | 3.39 | 123 | 0.11 | ||||||||||||||||||||||
| Land - Consumer Lot Loans | 1,187 | 86 | 101,584 | 1 | 2 | 6 | 9 | 0.76 | 615 | 0.61 | ||||||||||||||||||||||
| Multi-Family | 964 | 1,310 | 1,263,143 | 1 | 1 | 2 | 4 | 0.41 | 329 | 0.03 | ||||||||||||||||||||||
| Commercial Real Estate | 1,073 | 1,254 | 1,345,986 | 2 | 3 | 9 | 14 | 1.30 | 2,911 | 0.22 | ||||||||||||||||||||||
| Commercial & Industrial | 1,816 | 615 | 1,116,854 | 3 | 1 | 23 | 27 | 1.49 | 2,673 | 0.24 | ||||||||||||||||||||||
| HELOC | 2,914 | 51 | 148,581 | 14 | 7 | 6 | 27 | 0.93 | 1,491 | 1.00 | ||||||||||||||||||||||
| Consumer | 4,275 | 22 | 95,774 | 51 | 18 | 97 | 166 | 3.88 | 384 | 0.40 | ||||||||||||||||||||||
| 39,968 | 271 | $ | 10,823,033 | 140 | 69 | 272 | 481 | 1.20 | % | $ | 54,401 | 0.50 | % | |||||||||||||||||||
| March 31, 2017 | ||||||||||||||||||||||||||||||||
| Single-Family Residential | 25,999 | 219 | $ | 5,692,305 | 74 | 36 | 163 | 273 | 1.05 | % | $ | 53,147 | 0.93 | % | ||||||||||||||||||
| Construction | 633 | 938 | 593,479 | 4 | — | — | 4 | 0.63 | 601 | 0.10 | ||||||||||||||||||||||
| Construction - Custom | 1,149 | 219 | 251,906 | — | — | 2 | 2 | 0.17 | 240 | 0.10 | ||||||||||||||||||||||
| Land - Acquisition & Development | 122 | 847 | 103,280 | 1 | — | 3 | 4 | 3.28 | 262 | 0.25 | ||||||||||||||||||||||
| Land - Consumer Lot Loans | 1,187 | 85 | 101,168 | 3 | 2 | 12 | 17 | 1.43 | 1,261 | 1.25 | ||||||||||||||||||||||
| Multi-Family | 968 | 1,309 | 1,266,845 | — | — | 4 | 4 | 0.41 | 1,224 | 0.10 | ||||||||||||||||||||||
| Commercial Real Estate | 1,067 | 1,215 | 1,296,019 | 7 | 1 | 10 | 18 | 1.69 | 6,342 | 0.49 | ||||||||||||||||||||||
| Commercial & Industrial | 1,836 | 584 | 1,071,622 | 13 | 2 | 32 | 47 | 2.56 | 4,964 | 0.46 | ||||||||||||||||||||||
| HELOC | 2,939 | 50 | 146,169 | 5 | 2 | 32 | 39 | 1.33 | 814 | 0.56 | ||||||||||||||||||||||
| Consumer | 4,542 | 24 | 107,759 | 70 | 19 | 75 | 164 | 3.61 | 601 | 0.56 | ||||||||||||||||||||||
| 40,442 | 263 | $ | 10,630,552 | 177 | 62 | 333 | 572 | 1.41 | % | $ | 69,456 | 0.65 | % | |||||||||||||||||||
| December 31, 2016 | ||||||||||||||||||||||||||||||||
| Single-Family Residential | 26,259 | 214 | $ | 5,623,668 | 88 | 53 | 165 | 306 | 1.17 | % | $ | 60,201 | 1.07 | % | ||||||||||||||||||
| Construction | 638 | 804 | 513,046 | 3 | — | 1 | 4 | 0.63 | 341 | 0.07 | ||||||||||||||||||||||
| Construction - Custom | 1,079 | 219 | 236,668 | 2 | 1 | — | 3 | 0.28 | 157 | 0.07 | ||||||||||||||||||||||
| Land - Acquisition & Development | 126 | 819 | 103,148 | 1 | — | 4 | 5 | 3.97 | 1,262 | 1.22 | ||||||||||||||||||||||
| Land - Consumer Lot Loans | 1,204 | 84 | 101,045 | 4 | 2 | 15 | 21 | 1.74 | 1,076 | 1.06 | ||||||||||||||||||||||
| Multi-Family | 959 | 1,270 | 1,217,594 | 3 | 1 | 2 | 6 | 0.63 | 1,868 | 0.15 | ||||||||||||||||||||||
| Commercial Real Estate | 1,040 | 1,130 | 1,175,475 | 6 | 2 | 12 | 20 | 1.92 | 7,766 | 0.66 | ||||||||||||||||||||||
| Commercial & Industrial | 1,843 | 574 | 1,057,826 | 4 | 6 | 34 | 44 | 2.39 | 1,108 | 0.10 | ||||||||||||||||||||||
| HELOC | 2,931 | 51 | 148,448 | 7 | — | 32 | 39 | 1.33 | 1,375 | 0.93 | ||||||||||||||||||||||
| Consumer | 4,842 | 26 | 124,547 | 78 | 30 | 79 | 187 | 3.86 | 1,063 | 0.85 | ||||||||||||||||||||||
| 40,921 | 252 | $ | 10,301,465 | 196 | 95 | 344 | 635 | 1.55 | % | $ | 76,217 | 0.74 | % | |||||||||||||||||||
