Deposit Loan Composition
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Financial Highlights
2019 FQ2 YTD
6/30/2019
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) 4,561,831 4,609,930 4,310,852 3,854,085 3,186,190
Gross Loans HFI Growth (1.94) 6.88 11.96 20.78 14.16
1-4 Family Loans/ Loans 10.06 10.88 12.12 8.81 7.41
Multifamily Loans/ Loans NA NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 69.09 69.26 70.02 75 81.24
Real Estate Loans/ Loans 79.15 80.14 82.14 83.81 88.65
Construction & Development Loans/ Loans 1.44 1.56 1.28 1.46 0.73
Home Equity Loans/ Loans 0.21 0.22 0.33 0.46 0.68
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0 0.01
Other Consumer Loans/ Loans 0.11 0.07 0.06 0.13 0.09
Consumer Loans/ Loans 0.31 0.29 0.40 0.60 0.78
Commercial Loans/ Loans 8.37 8.71 8.47 7.14 8.83
Foreign Loans/ Loans 0.62 0.63 0.80 0.67 1
Other Loans/ Loans 10.11 8.67 6.91 6.33 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA 0
Deposit Composition (%)
Total Deposits($000) 4,762,068 4,747,235 4,348,654 3,809,737 3,509,976
Deposit Growth 0.62 9.17 14.15 8.54 (1.31)
Transaction Acct Deps/Tot Deps 29.25 28.90 32.31 34.13 36.51
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits 32.09 33.15 35.12 34.89 23.94
Retail Time Deps/Tot Deposits 3.77 4.21 10.63 8.82 14.44
Jumbo Time Deposits/ Deposits 34.89 33.74 21.94 22.16 25.10
Tot Time Deposits/Tot Deposits 38.66 37.95 32.57 30.98 39.54
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 61.34 62.05 67.43 69.02 60.46
Core Deposits/Total Deposits 65.11 66.26 78.06 77.84 74.90
Noninterest-bearing Deposits/ Deposits 27.56 27.06 30.18 31.58 32.92
Interest-bearing Deposits/ Deposits 72.44 72.94 69.82 68.42 67.08
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