Deposit Loan Composition

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Loan Composition (%)
Total Gross Loans($000) 952,942 1,238,228 1,248,063 1,302,873
Gross Loans HFI Growth 19.63 (2.06) 2.92 4.69
1-4 Family Loans/ Loans 36.72 34.25 34.57 33.34
Multifamily Loans/ Loans 3.66 3.22 NA NA
Commercial Real Estate Loans/ Loans 31.58 37.97 NA NA
Commercial & Multifamily Real Estate Loans/ Loans 35.24 41.18 41.27 42.14
Real Estate Loans/ Loans 71.96 75.43 75.84 75.49
Construction & Development Loans/ Loans 1.92 1.70 1.57 1.56
Home Equity Loans/ Loans 7.49 8.44 8.51 8.47
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.07 0.05 0.05 0.05
Other Consumer Loans/ Loans 1.45 1.25 1.14 1.06
Consumer Loans/ Loans 9.01 9.74 9.70 9.58
Commercial Loans/ Loans 17.11 13.13 12.89 13.37
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans 0 0 0 0
Deposit Composition (%)
Total Deposits($000) 990,494 1,313,414 1,333,975 1,348,092
Deposit Growth 9.46 4.60 6.26 3.82
Transaction Acct Deps/Tot Deps NA NA NA NA
Savings Acct Deps/Tot Deposits NA NA NA 38.34
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits NA NA NA NA
Retail Time Deps/Tot Deposits 15.74 15.24 15.17 14.98
Jumbo Time Deposits/ Deposits 9.40 12 11.25 12.32
Tot Time Deposits/Tot Deposits 25.15 27.24 26.42 27.31
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 74.85 72.76 73.58 72.69
Core Deposits/Total Deposits 90.60 88 88.75 87.68
Noninterest-bearing Deposits/ Deposits 18.79 22.11 21.61 22.43
Interest-bearing Deposits/ Deposits 81.21 77.89 78.39 77.57
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.