The following is excerpted from the question-and-answer section of the transcript.
(Questions from industry analysts are provided in full, but answers are omitted - download the transcript to see the full question-and-answer session)
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: I wanted just to follow up on the fixed asset repricing commentary. If I heard you correctly, I think you said it was 5 to 10 basis points a quarter
positive to the earning asset yield over the next couple. I was hoping you could maybe unpack that a little bit for us and say what are the assumptions
driving that? Like what's the amount of loans that are repricing over the next 12 months? And what's the back book yield that's coming off versus
new origination yields?
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Okay. Understood. And then I wanted to switch gears to credit. I had a couple of generic questions and it was a little bit more pointed. Just I was
hoping you could tell us what portion of the loan portfolio were shared national credits? And of that, what you'd lead on? And then I also wanted
to ask on the nonperforming assets, they increased $68 million, and you called out it was due to 2 suburban office loans. I wanted to ask what
geographies those were in and what drove those to nonperforming.
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Got it. Do you have the Shared National Credit data?
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Okay. Just to clarify, was it 10% to 15% of the portfolio is SNC. And of that 10% to 15% you agent?
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Okay. And just if I could sneak one more, just on the retenanting of some of those office loans...
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Okay. Great. That's helpful color. Could I just ask one last one on those office loans with the retenanting, did the slow kind of re-tenanting process
caused like the debt service coverage ratio to go below 1 or anything like that?
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Okay. I appreciate it.
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