Deposit Loan Composition

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Loan Composition (%)
Total Gross Loans($000) 771,003 837,428 880,383 917,110
Gross Loans HFI Growth 0.85 14.32 20.42 13.44
1-4 Family Loans/ Loans 39.32 38.62 38.10 NA
Multifamily Loans/ Loans 2.01 2.81 2.93 NA
Commercial Real Estate Loans/ Loans 32.85 31.76 31.45 NA
Commercial & Multifamily Real Estate Loans/ Loans 34.85 34.57 34.38 NA
Real Estate Loans/ Loans 74.17 73.19 72.48 NA
Construction & Development Loans/ Loans 3.08 3.60 3.68 NA
Home Equity Loans/ Loans 4.54 3.96 3.85 NA
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.09 0.09 0.13 0.12
Other Consumer Loans/ Loans 0.58 0.45 0.42 NA
Consumer Loans/ Loans 5.21 4.50 4.41 4.24
Commercial Loans/ Loans 17.39 18.54 19.26 19.32
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans 0.14 0.16 0.16 NA
Deposit Composition (%)
Total Deposits($000) 772,416 831,837 897,481 926,739
Deposit Growth (4.79) 8.02 31.57 13.64
Transaction Acct Deps/Tot Deps 43.21 44.13 40.37 41.22
Savings Acct Deps/Tot Deposits 18.27 18.71 19.24 19.29
Money Mkt Deps/Tot Deposits 23.62 22.35 25.51 22.04
MMDA & Savings/Total Deposits 41.88 41.06 44.75 41.33
Retail Time Deps/Tot Deposits 6.96 7.12 7.32 NA
Jumbo Time Deposits/ Deposits 7.95 7.68 7.56 NA
Tot Time Deposits/Tot Deposits 14.91 14.80 14.89 17.45
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 85.09 85.20 85.11 82.55
Core Deposits/Total Deposits 92.05 92.32 92.44 NA
Noninterest-bearing Deposits/ Deposits 26.05 26.54 23.97 24.65
Interest-bearing Deposits/ Deposits 73.95 73.46 76.03 75.35
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.