| ← Back to Cover | |||||||||||||
| LOAN PORTFOLIO ANALYSIS | |||||||||||||
| Commercial Bank — Portfolio Composition ($mm) | |||||||||||||
| FY2024 | FY2025 | FY2026 | FY2027 | FY2028 | FY2029 | FY2030 | FY2031 | FY2032 | FY2033 | FY2034 | FY2035 | ||
| LOAN COMPOSITION | |||||||||||||
| C&I Loans | $5,250 | $5,565 | $5,871 | $6,194 | $6,535 | $6,894 | $7,273 | $7,673 | $8,095 | $8,541 | $9,010 | $9,506 | |
| CRE Loans | $4,375 | $4,638 | $4,893 | $5,162 | $5,446 | $5,745 | $6,061 | $6,394 | $6,746 | $7,117 | $7,509 | $7,922 | |
| Residential Mortgage | $3,500 | $3,710 | $3,914 | $4,129 | $4,356 | $4,596 | $4,849 | $5,116 | $5,397 | $5,694 | $6,007 | $6,337 | |
| Consumer Loans | $2,100 | $2,226 | $2,348 | $2,478 | $2,614 | $2,758 | $2,909 | $3,069 | $3,238 | $3,416 | $3,604 | $3,802 | |
| Construction | $1,400 | $1,484 | $1,566 | $1,652 | $1,743 | $1,838 | $1,940 | $2,046 | $2,159 | $2,277 | $2,403 | $2,535 | |
| Other Loans | $875 | $928 | $979 | $1,032 | $1,089 | $1,149 | $1,212 | $1,279 | $1,349 | $1,423 | $1,502 | $1,584 | |
| Total Gross Loans | $17,500 | $18,550 | $19,570 | $20,647 | $21,782 | $22,980 | $24,244 | $25,578 | $26,984 | $28,468 | $30,034 | $31,686 | |
| PORTFOLIO MIX (%) | |||||||||||||
| C&I % | 30.0% | 30.0% | 30.0% | 30.0% | 30.0% | 30.0% | 30.0% | 30.0% | 30.0% | 30.0% | 30.0% | 30.0% | |
| CRE % | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | |
| Residential % | 20.0% | 20.0% | 20.0% | 20.0% | 20.0% | 20.0% | 20.0% | 20.0% | 20.0% | 20.0% | 20.0% | 20.0% | |
| Consumer % | 12.0% | 12.0% | 12.0% | 12.0% | 12.0% | 12.0% | 12.0% | 12.0% | 12.0% | 12.0% | 12.0% | 12.0% | |
| Construction % | 8.0% | 8.0% | 8.0% | 8.0% | 8.0% | 8.0% | 8.0% | 8.0% | 8.0% | 8.0% | 8.0% | 8.0% | |
| Other % | 5.0% | 5.0% | 5.0% | 5.0% | 5.0% | 5.0% | 5.0% | 5.0% | 5.0% | 5.0% | 5.0% | 5.0% | |
| Total | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| CREDIT QUALITY METRICS | |||||||||||||
| Provision Rate | 0.83% | 0.83% | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% | |
| Net Charge-Off Rate | 0.60% | 0.60% | 0.55% | 0.55% | 0.55% | 0.55% | 0.55% | 0.55% | 0.55% | 0.55% | 0.55% | 0.55% | |
| NPL Ratio | 1.20% | 1.20% | 1.10% | 1.10% | 1.10% | 1.10% | 1.10% | 1.10% | 1.10% | 1.10% | 1.10% | 1.10% | |
| ALLL / Gross Loans | 1.25% | 1.25% | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | |
| ALLL / NPLs (Coverage) | 1.0x | 1.0x | 1.1x | 1.1x | 1.1x | 1.1x | 1.1x | 1.1x | 1.1x | 1.1x | 1.1x | 1.1x | |
| LOAN GROWTH ANALYSIS | |||||||||||||
| Prior Year Gross Loans | $17,500 | $18,550 | $19,570 | $20,647 | $21,782 | $22,980 | $24,244 | $25,578 | $26,984 | $28,468 | $30,034 | ||
| Current Year Gross Loans | $18,550 | $19,570 | $20,647 | $21,782 | $22,980 | $24,244 | $25,578 | $26,984 | $28,468 | $30,034 | $31,686 | ||
| YoY Growth ($mm) | $1,050 | $1,020 | $1,076 | $1,136 | $1,198 | $1,264 | $1,333 | $1,407 | $1,484 | $1,566 | $1,652 | ||
| YoY Growth (%) | 6.0% | 5.5% | 5.5% | 5.5% | 5.5% | 5.5% | 5.5% | 5.5% | 5.5% | 5.5% | 5.5% | ||
| Note: Loan mix assumptions from Assumptions sheet. Replace with actual portfolio data. | |||||||||||||