Question-and-Answer Session
Operator
(Operator Instructions) Your first question comes from John Pancari – JPMorgan.
John Pancari - JPMorgan
I wanted to see if you can comment a little bit on the markets that will give you the most concern out of your foot print right now, in terms of where you are seeing some real deterioration in credit trends.
And also, similarly, can you comment on which portfolios you would say at this point give you the greatest concern in terms of credit pressure.
Aubrey Patterson
As I pointed out, non-performing loans are actually doing quite well, quarter-to-quarter, sequentially. But obviously real estate acquisition development and construction lending in the more urban markets would be the areas that we would have seen over the balance of the year suffer the most deterioration.
No one particular market would stand out in that regard because in those where that might have otherwise been the case, those are also the ones where for almost two years now we have been pulling back our exposure.
Gregg Cowsert
The areas, as Aubrey said, that are causing us the most concern over this period and what we are anticipating going forward, is continued and further weakness in the residential acquisition development and construction market and that continues to be the case and that’s what we are anticipating and preparing for going forward.
John Pancari - JPMorgan
Can you remind me of the size of that portfolio, as well as if you happen to have the refreshed LTVs.
Gregg Cowsert
The residential acquisition and development portfolio currently stands at $600.926 million. To give you some ideas as to how that has performed during the year, we currently have non-performing loans in that area of 2.88%. Our year-to-date charge-offs in that sector, or in that portfolio, are $6.2 million and that amounts to 1.03% of the outstandings.
John Pancari - JPMorgan
Do you happen to have LTVs for that book?
Gregg Cowsert
The LTVs for that are running less than 80%. Mid-seventies.
Gregg Cowsert
And that is refreshed?
Gregg Cowsert
Yes.
John Pancari - JPMorgan
Do you also have the total 30- to 90-day delinquency rate for the company?
Gregg Cowsert
I can tell you that year end our 30-day past dues were a little less than 1%. Our 90-days were running 0.48%.
John Pancari - JPMorgan
And that first one was the 30-day+, right?
Gregg Cowsert
Right.
Operator
Your next question comes from Charles Ernst - Sandler O'Neill Asset Management.
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