eTrade 2005 Annual Report Download - page 89

Table of Contents
The following table shows the contractual maturities of our loan portfolio at December31, 2005, including scheduled principal
repayments. This table does not, however, include any estimate of prepayments. These prepayments could significantly shorten the
average loan lives and cause the actual timing of the loan repayments to differ from those shown in the following table (in thousands):
Due in
(1)
Total
< 1 Year
1- 5 Years
> 5 Years
Real estate loans:
One- to four-family:
Fixed rate
$
36,698
$
170,739
$
2,395,831
$
2,603,268
Adjustable rate
65,765
304,014
4,205,850
4,575,629
HELOC, second mortgage and other
303,714
1,435,383
6,367,797
8,106,894
Total real estate loans
406,177
1,910,136
12,969,478
15,285,791
Consumer and other loans:
RV
122,577
571,894
1,997,584
2,692,055
Marine
32,314
150,685
569,646
752,645
Automobile
107,211
128,177
—
235,388
Credit card
19,344
77,374
91,882
188,600
Other
27,817
69,619
—
97,436
Total consumer and other loans
309,263
997,749
2,659,112
3,966,124
Total loans
$
715,440
$
2,907,885
$
15,628,590
$
19,251,915
(1)
Estimated scheduled principal repayments are calculated using weighted-average interest rate and weighted-average remaining maturity of each loan portfolio.
The following table shows the distribution of those loans that mature in more than one year between fixed and adjustable interest rate
loans at December31, 2005 (in thousands):
Interest Rate Type
Total
Fixed
Adjustable
Real estate loans:
One- to four-family
$
2,566,570
$
4,509,864
$
7,076,434
HELOC, second mortgage and other
1,625,673
6,177,507
7,803,180
Total real estate loans
4,192,243
10,687,371
14,879,614
Consumer and other loans:
RV
2,569,478
—
2,569,478
Marine
720,331
—
720,331
Automobile
128,177
—
128,177
Credit card
—
169,256
169,256
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2006. EDGAR Online, Inc.