Deposit Loan Composition
Financial Highlights
2019 FQ3 YTD
9/30/2019
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) 1,391,413 1,344,463 1,195,296 1,033,262 846,310
Gross Loans HFI Growth 5.09 12.49 15.41 22.12 15.27
1-4 Family Loans/ Loans 17.01 17.44 14.11 13.58 15.29
Multifamily Loans/ Loans NA NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 63.77 62.03 66.70 68.04 67.82
Real Estate Loans/ Loans 80.77 79.46 80.81 81.63 83.12
Construction & Development Loans/ Loans 1.24 2.04 1.94 1.45 0.25
Home Equity Loans/ Loans 0 0.03 0.06 0.04 0.01
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 1.53 1.71 2.41 3.01 3.13
Other Consumer Loans/ Loans 0.15 0.23 0.45 0.27 0.33
Consumer Loans/ Loans 1.68 1.97 2.92 3.32 3.47
Commercial Loans/ Loans 16.32 15.67 14.17 13.26 12.78
Foreign Loans/ Loans 0 0.86 0.16 0.34 0.39
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,432,262 1,443,753 1,251,290 1,091,812 939,439
Deposit Growth (1.06) 15.38 14.61 16.22 17.02
Transaction Acct Deps/Tot Deps 25.80 24.52 26.32 25.81 29.37
Savings Acct Deps/Tot Deposits 0.57 0.57 0.65 0.81 0.88
Money Mkt Deps/Tot Deposits 22.18 19.44 23.93 27.77 23.79
MMDA & Savings/Total Deposits 22.75 20.01 24.58 28.58 24.67
Retail Time Deps/Tot Deposits 9.55 11.38 12.44 12.37 12.79
Jumbo Time Deposits/ Deposits 41.90 44.09 36.66 33.23 33.18
Tot Time Deposits/Tot Deposits 51.45 55.47 49.10 45.60 45.97
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 48.55 44.53 50.90 54.40 54.03
Core Deposits/Total Deposits 58.10 55.91 63.34 66.77 66.82
Noninterest-bearing Deposits/ Deposits 24.68 22.81 25.50 25.10 28.52
Interest-bearing Deposits/ Deposits 75.32 77.19 74.50 74.90 71.48
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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