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Deposit Loan Composition

Financial Highlights
2020 FY
12/31/2020
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) 18,310,350 14,099,643 13,672,068 13,277,376 10,349,582
Gross Loans HFI Growth 28.29 2.16 3.16 25.82 10.20
1-4 Family Loans/ Loans 19.12 23.07 21.41 17.44 17.64
Multifamily Loans/ Loans NA 4.62 5.44 5.94 NA
Commercial Real Estate Loans/ Loans NA 33.06 36.25 38.74 NA
Commercial & Multifamily Real Estate Loans/ Loans 37.75 37.69 41.69 44.68 43.28
Real Estate Loans/ Loans 56.88 60.75 63.10 62.11 60.92
Construction & Development Loans/ Loans 10.38 10.27 10.51 11.57 12.14
Home Equity Loans/ Loans 3.04 3.82 4.67 5.59 5.60
Credit Card Loans/ Loans 0.05 0.07 0.08 0.08 0.14
Vehicle Loans/ Loans 6.51 8.12 6.76 5.11 5.39
Other Consumer Loans/ Loans 0.27 0.31 0.35 0.30 0.36
Consumer Loans/ Loans 9.87 12.32 11.86 11.08 11.49
Commercial Loans/ Loans 16.33 16.66 14.59 15.36 15.60
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 6.72 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.18) (0.01) (0.05) (0.12) (0.15)
Deposit Composition (%)
Total Deposits($000) 20,585,160 13,852,421 13,994,749 13,830,591 10,796,867
Deposit Growth 48.60 (1.02) 1.19 28.10 15.58
Transaction Acct Deps/Tot Deps NA 27.10 25.63 46.65 45.85
Savings Acct Deps/Tot Deposits NA 6.37 6.82 7.48 6.68
Money Mkt Deps/Tot Deposits NA 49.75 51.14 27.16 29.19
MMDA & Savings/Total Deposits NA 56.12 57.96 34.64 35.87
Retail Time Deps/Tot Deposits NA 5.23 5.09 5.75 6.42
Jumbo Time Deposits/ Deposits NA 11.55 11.31 12.97 11.86
Tot Time Deposits/Tot Deposits NA 16.78 16.40 18.72 18.28
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits NA 83.22 83.60 81.28 81.72
Core Deposits/Total Deposits NA 88.45 88.69 87.03 88.14
Noninterest-bearing Deposits/ Deposits 35.97 33.36 31.56 31.05 29.38
Interest-bearing Deposits/ Deposits 64.03 66.64 68.44 68.95 70.62
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.