F. Morgan Gasior
work Okay. Well, through let's that.
and is as of First, very a loan is if a proportion small the residential. you look at portfolio whole, commercial the composition XX.X%
do loans. we Within have the portfolio, commercial not construction
be peers the where distinction. points should and to us they key XXX excess in or reserved are loan at reserved construction a least portfolios well compare So that's of
governments, weighted $XXX period is is Recession borne portfolio finance state by much portfolio. portfolio but well. quite does A others, if corporate strong the of for multifamily somewhere million. federal million government that's X historically BB the reserves. $XX terms have over whether Now $XX the rated time. that And is traditionally extremely contrast, finance great a that X a that of governments, X the many the very local multifamily portfolio, and not with of In at a in we you to have again, been XX% Add look a loan-to-value debt Then or the in And the million in well. another low-risk ratio corporate credits for you got million years equipment investment-grade portfolio, multifamily many, the and our equipment way particularly portfolio very XX. another average loss of ratios And of pretty it's in performed out that as $XXX notes on service equipment finance or that and over the has performed by so require neighborhood very number
government's So within you Medicare very borrowing the quickly loan The side. those health those are $XX the where but portfolio, audits, very, are driven significant care monitored pay are in and you've the with to but point portfolio receivables. strong balances, at a credits got get field $XX million moment, in Medicaid, million, certificates that's commercial base the balances
financial So no the to. what our portfolio the risk with build need drive we tried but that loan risk enough still accepting do strongest across to board results, consistent do can to we've than is we is more
had at a we've anything, how the these problem support that's never So reserve to higher levels. supporting it's harder it levels, if at
completely themselves you the billion us company ratio range you risk more years. in peers, results that large XX, that the have through something local the see even commercial trend you'll not points, goes time see finance, government $XX as earlier, reserve. a of see community results we loss assets, it. finance, medium XX ticket might we reserve credits And And Now the than the But argue and but small It's even -- said up a have more over middle time. their unknown then many equipment have little over the like not it's finance mix some market, do of compare on, small very supported that's similar area, we profile business portfolio. the the see why is ours, might risk I finance, the aggressive ratio to if a to unusual.
when portfolio The portfolio is about apply short is very a finance you prepayment As duration, to the short it's equipment The portfolio, but duration. be concerned, short reasonable to be thinking we that, short early a far to now turns C&I out talking as right a duration. little even CECL is multifamily ratio portfolio is reasonably the loan preliminary have that the duration.
and to that of XXXX prepayments in look in Just support us to happened what XXXX point. terms
your reserve as and floating the at to And of think will, continues of be is fixed more I the rate to it a do something shorten. real and something duration modest to the we we So day, the likely end portfolio especially variable opposed more CECL impact the if as term on that? credit that over multi of Paul to little commercial like the lines estate, XXX, in the think assets ratio question then finally, portfolio. And is bit
