A breakdown of Atrium's mortgage portfolio as at December 31, 2012, with a comparison to the prior year, is provided below:
|December 31, 2012||December 31, 2011|
|Mortgage category||Number||Outstanding amount||% of Portfolio||Number||Outstanding amount||% of Portfolio|
|Mixed use real estate/commercial||15||$69,334,931||34.4%||10||$49,563,240||31.6%|
|Low rise residential||8||24,302,272||12.0%||6||12,150,000||7.7%|
|High rise residential||4||23,686,000||11.8%||6||49,500,000||31.6%|
|House and apartment||31||43,061,190||21.4%||8||18,257,393||11.6%|
High rise residential loans decreased from 31.6% of the mortgage portfolio at December 31, 2011 to 11.8% at December 31, 2012. This has been offset by an increase in low rise, midrise, house and apartment lending over the same period reflecting Atrium's strategy of increasing its exposure to the lowest risk sectors of the market. The average loan to value in the portfolio stayed relatively constant at 66.7%, with only 7.0% of the portfolio above 75% loan to value.