Deposit Loan Composition
Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 1,467,229 1,452,806 1,344,463 1,195,296 1,033,262
Gross Loans HFI Growth 0.06 8.38 12.49 15.41 22.12
1-4 Family Loans/ Loans 15.47 16.20 17.44 14.11 13.58
Multifamily Loans/ Loans NA NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 64.63 64.30 62.03 66.70 68.04
Real Estate Loans/ Loans 80.10 80.49 79.46 80.81 81.63
Construction & Development Loans/ Loans 1.32 1.32 2.04 1.94 1.45
Home Equity Loans/ Loans 0.20 0.01 0.03 0.06 0.04
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 1.45 1.46 1.71 2.41 3.01
Other Consumer Loans/ Loans 0.13 0.14 0.23 0.45 0.27
Consumer Loans/ Loans 1.79 1.61 1.97 2.92 3.32
Commercial Loans/ Loans 16.79 16.58 16.53 14.33 13.60
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,477,442 1,479,307 1,443,753 1,251,290 1,091,812
Deposit Growth (0.50) 2.46 15.38 14.61 16.22
Transaction Acct Deps/Tot Deps 27.93 25.53 24.52 26.32 25.81
Savings Acct Deps/Tot Deposits 0.44 0.44 0.57 0.65 0.81
Money Mkt Deps/Tot Deposits 23.61 22.85 19.44 23.93 27.77
MMDA & Savings/Total Deposits 24.06 23.29 20.01 24.58 28.58
Retail Time Deps/Tot Deposits 12.13 11.88 11.38 12.44 12.37
Jumbo Time Deposits/ Deposits 35.88 39.30 44.09 36.66 33.23
Tot Time Deposits/Tot Deposits 48.01 51.18 55.47 49.10 45.60
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 51.99 48.82 44.53 50.90 54.40
Core Deposits/Total Deposits 64.12 60.70 55.91 63.34 66.77
Noninterest-bearing Deposits/ Deposits 26.67 24.34 22.81 25.50 25.10
Interest-bearing Deposits/ Deposits 73.33 75.66 77.19 74.50 74.90
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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