D/L Composition

Financial Highlights
12/31/2014
12/31/2015
12/31/2016
3/31/2017
Loan Composition (%)
Total Gross Loans($000) 1,912,757 2,085,192 2,341,211 2,404,724
Gross Loans HFI Growth 4.27 8.98 12.30 10.68
1-4 Family Loans/ Loans 5.24 4.72 NA NA
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 22.76 24.87 25.72 24.75
Real Estate Loans/ Loans 28 29.59 NA NA
Construction & Development Loans/ Loans 2.16 2.36 2.98 3.40
Home Equity Loans/ Loans 19.86 19.32 NA NA
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 33.28 31.31 31.01 31.58
Other Consumer Loans/ Loans 1.09 0.88 0.75 0.70
Consumer Loans/ Loans 54.24 51.51 NA NA
Commercial Loans/ Loans 13.98 15.04 14.92 15.61
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans 1.62 1.50 1.50 1.50
Deposit Composition (%)
Total Deposits($000) 2,450,527 2,730,531 2,995,222 3,169,659
Deposit Growth 5.62 11.43 9.69 23.30
Transaction Acct Deps/Tot Deps 43.32 42.68 42.02 43.07
Savings Acct Deps/Tot Deposits NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits 32.48 33.99 34.53 33.75
Retail Time Deps/Tot Deposits 14.20 NA NA NA
Jumbo Time Deposits/ Deposits 10.01 NA NA NA
Tot Time Deposits/Tot Deposits 24.21 23.33 23.45 23.17
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 75.79 76.67 76.55 76.83
Core Deposits/Total Deposits 89.99 NA NA NA
Noninterest-bearing Deposits/ Deposits 23.31 23.51 22.61 21.02
Interest-bearing Deposits/ Deposits 76.69 76.49 77.39 78.98
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.