New Guidelines For Prudent Working Capital Systems

Are those operating lines or are they tied to something else? -------------------------------------------------------------------------------- Bryan McDonald, Heritage Financial Corporation - Chief http://www.bizjournals.com/sanantonio/news/2017/01/09/bank-of-san-antonio-files-lawsuit-against-local.html Lending Officer [55] -------------------------------------------------------------------------------- The majority of them are commercial real estate loans. -------------------------------------------------------------------------------- Tim O'Brien, Sandler O'Neill & Partners - Analyst [56] -------------------------------------------------------------------------------- So they automatically have kind of a full -- they are fully funded? -------------------------------------------------------------------------------- Bryan McDonald, Heritage Financial Corporation - Chief Lending Officer [57] -------------------------------------------------------------------------------- The majority are fully funded at closing, and the bank is taking the variable side of that swap transaction, so we have a LIBOR-based loan on our books and that's facilitating a swap for the borrower to achieve an effective fixed rate, long term but the fixed rate. -------------------------------------------------------------------------------- Tim O'Brien, Sandler O'Neill & Partners - Analyst [58] -------------------------------------------------------------------------------- Great. And then last question for Don. Don, can you share any rate sensitivity analysis? I know data -- deposit data can swing a model around but up 100 basis points for the Fed.

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