Financial Highlights
12/31/2015
12/31/2016
3/31/2017
12/31/2017
Loan Composition (%)
Total Gross Loans($000) 1,169,709 1,200,702 1,234,271 1,312,366
Gross Loans HFI Growth 4.20 2.71 11.32 9.29
1-4 Family Loans/ Loans 16.75 16.54 16.04 14.82
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 39.82 43.51 44.63 45.64
Real Estate Loans/ Loans 56.57 60.05 60.68 60.47
Construction & Development Loans/ Loans 3.52 3.86 4.19 3.47
Home Equity Loans/ Loans 8.70 8.21 8.02 7.67
Credit Card Loans/ Loans 0.13 0.12 0.11 0.12
Vehicle Loans/ Loans 12.06 10.60 10.20 10.68
Other Consumer Loans/ Loans 2.49 2.44 2.37 2.43
Consumer Loans/ Loans 23.37 21.38 20.70 20.89
Commercial Loans/ Loans 16.53 14.71 14.43 15.17
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,400,295 1,456,343 1,544,251 1,467,446
Deposit Growth 9.40 4 24.14 0.76
Transaction Acct Deps/Tot Deps 38.05 38.08 38.01 42.02
Savings Acct Deps/Tot Deposits 14.55 14.33 14.19 14.90
Money Mkt Deps/Tot Deposits 35.54 37.69 38.69 35.01
MMDA & Savings/Total Deposits 50.09 52.02 52.89 49.91
Retail Time Deps/Tot Deposits 8.11 6.93 6.36 5.93
Jumbo Time Deposits/ Deposits 3.75 2.97 2.74 2.13
Tot Time Deposits/Tot Deposits 11.86 9.90 9.11 8.07
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 88.14 90.10 90.89 91.93
Core Deposits/Total Deposits 96.25 97.03 97.26 97.87
Noninterest-bearing Deposits/ Deposits 28.73 28.69 27.98 31.87
Interest-bearing Deposits/ Deposits 71.27 71.31 72.02 68.13
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.