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Deposit/Loan Composition

Financial Highlights
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Loan Composition (%)
Total Gross Loans($000) 1,736,930 1,428,494 1,397,547 1,026,257 957,005
Gross Loans HFI Growth 21.55 2.21 36.18 7.28 9.57
1-4 Family Loans/ Loans 21.65 21.95 23.02 22.75 22.17
Multifamily Loans/ Loans 6.46 5.70 3.48 4.48 3.16
Commercial Real Estate Loans/ Loans 40.40 41.12 42.62 39.51 38.55
Commercial & Multifamily Real Estate Loans/ Loans 46.85 46.82 46.10 43.99 41.70
Real Estate Loans/ Loans 68.50 68.77 69.11 66.74 63.87
Construction & Development Loans/ Loans 7.62 4.27 5.43 5.06 4.82
Home Equity Loans/ Loans 4.19 3.85 3.97 4.84 4.93
Credit Card Loans/ Loans 0.14 0.13 0.12 0.12 0.10
Vehicle Loans/ Loans 0.81 0.80 0.78 0.82 0.75
Other Consumer Loans/ Loans 0.75 0.95 1.49 1.84 1.72
Consumer Loans/ Loans 5.88 5.73 6.37 7.61 7.50
Commercial Loans/ Loans 17.42 20.83 18.88 19.71 22.94
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.60 0.45 0.25 0.86 0.87
Unearned Income and Other Adjustments/ Loans (0.03) (0.05) (0.03) 0.02 0
Deposit Composition (%)
Total Deposits($000) 1,843,311 1,557,167 1,506,642 1,127,020 1,062,568
Deposit Growth 18.38 3.35 33.68 6.07 11.29
Transaction Acct Deps/Tot Deps 35.88 34.73 36.59 36.71 NA
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits 43.02 39.57 38.54 47.63 NA
Retail Time Deps/Tot Deposits 11.52 12.96 13.14 7.93 8.85
Jumbo Time Deposits/ Deposits 9.58 12.74 11.73 7.73 9.49
Tot Time Deposits/Tot Deposits 21.10 25.70 24.87 15.66 18.33
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 78.90 74.30 75.13 84.34 81.67
Core Deposits/Total Deposits 90.42 87.26 88.27 92.27 90.51
Noninterest-bearing Deposits/ Deposits 25.85 28.82 28.98 28.94 NA
Interest-bearing Deposits/ Deposits 74.15 71.18 71.02 71.06 NA
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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