Deposit Loan Composition

Financial Highlights
3/31/2014
3/31/2015
3/31/2016
3/31/2017
Loan Composition (%)
Total Gross Loans($000) 534,512 580,550 625,322 779,910
Gross Loans HFI Growth (0.47) 8.68 7.77 24.75
1-4 Family Loans/ Loans 14.03 12.33 11.36 9.21
Multifamily Loans/ Loans 3.96 5.25 5.40 5.61
Commercial Real Estate Loans/ Loans 53.89 51.69 56.62 57.36
Commercial & Multifamily Real Estate Loans/ Loans 57.85 56.94 62.02 62.97
Real Estate Loans/ Loans 71.88 69.27 73.37 72.18
Construction & Development Loans/ Loans 6.70 7.91 6.21 7.96
Home Equity Loans/ Loans 3.41 3.18 2.86 2.71
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 4.27 6.02 6.02 3.06
Other Consumer Loans/ Loans 0.31 0.31 0.44 0.32
Consumer Loans/ Loans 7.99 9.51 9.32 6.09
Commercial Loans/ Loans 13.43 13.31 11.11 13.78
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0.01 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 690,066 720,850 779,803 980,058
Deposit Growth 3.96 4.46 8.18 25.68
Transaction Acct Deps/Tot Deps 33.79 37.10 41.53 42.23
Savings Acct Deps/Tot Deposits 9.67 10.70 12.44 12.89
Money Mkt Deps/Tot Deposits 33.03 32.94 30.72 29.59
MMDA & Savings/Total Deposits 42.70 43.64 43.16 42.48
Retail Time Deps/Tot Deposits 10.45 8.68 7.20 6.99
Jumbo Time Deposits/ Deposits 13.07 10.58 8.11 8.29
Tot Time Deposits/Tot Deposits 23.51 19.26 15.31 15.28
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 76.49 80.74 84.69 84.72
Core Deposits/Total Deposits 86.93 89.42 91.89 91.71
Noninterest-bearing Deposits/ Deposits 18.64 21.08 22.97 24.77
Interest-bearing Deposits/ Deposits 81.36 78.92 77.03 75.23
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.