eTrade 2001 Annual Report Download - page 16

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Table of Contents
Maturity of Loan Portfolio. The following table shows, as of December 31, 2001, the dollar amount of loans maturing in our portfolio
in the time periods indicated. This information includes scheduled principal repayments, based on the loans’ contractual maturities.
We report demand loans, loans with no stated repayment schedule and no stated maturity, and overdrafts as due within one year. The
table below does not include any estimate of prepayments. Prepayments may significantly shorten the average life of a loan and may
cause our actual repayment experience to differ from that shown below.
DueinOne
YearorLess
Due in One toFiveYears Due After Five Years Total
(in thousands)
Real estate loans:
One- to four-family fixed-rate $ 8,465 $ 35,627 $ 3,628,420 $ 3,672,512
One- to four-family
adjustable-rate
486 3,075 2,642,391 2,645,952
Multi-family — — 183 183
Commercial — 9 1,972 1,981
Mixed-use 87 39 509 635
Consumer and other loans:
Home equity lines of credit and
second mortgage
loans
— 70 22,989 23,059
Automobiles and recreational
vehicles loans
13,253 1,243,345 378,452 1,635,050
Other 50 12,187 — 12,237
Total $ 22,341 $ 1,294,352 $ 6,674,916 $ 7,991,609
The following table shows, as of December 31, 2001, the dollar amount of our loans that mature after December 31, 2001. We have
allocated these loans between those with fixed interest rates and those with adjustable interest rates.
Fixed Rates Adjustable Rates Total
(in thousands)
Real estate loans:
One- to four-family $ 3,672,512 $ 2,645,952 $ 6,318,464
Multi-family — 183 183
Commercial 1,130 851 1,981
Mixed-use 237 398 635
Consumer and other loans:
Home equity lines of credit and second mortgage
loans
19,137 3,922 23,059
Automobiles and recreational vehicles loans 1,625,396 9,654 1,635,050
Other — 12,237 12,237
Total $ 5,318,412 $ 2,673,197 $ 7,991,609
2002. EDGAR Online, Inc.