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D/L Composition

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Loan Composition (%)
Total Gross Loans($000) 3,162,818 3,089,466 2,737,735 2,341,211 2,085,192
Gross Loans HFI Growth 3.02 12.85 16.87 12.30 8.98
1-4 Family Loans/ Loans NA NA NA NA 4.72
Multifamily Loans/ Loans NA NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 24.77 25.48 26.07 25.72 24.87
Real Estate Loans/ Loans NA NA NA NA 29.59
Construction & Development Loans/ Loans 8.03 5.63 3.57 2.98 2.36
Home Equity Loans/ Loans NA NA NA NA 19.32
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 26.45 28.79 30.92 31.01 31.31
Other Consumer Loans/ Loans 0.52 0.54 0.64 0.75 0.88
Consumer Loans/ Loans NA NA NA NA 51.51
Commercial Loans/ Loans 18.17 18.05 16.44 14.92 15.04
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans 1.32 1.37 1.47 1.50 1.50
Deposit Composition (%)
Total Deposits($000) 3,586,214 3,366,907 3,210,174 2,995,222 2,730,531
Deposit Growth 8.68 4.88 7.18 9.69 11.43
Transaction Acct Deps/Tot Deps 40.78 40.93 42.14 42.02 42.68
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits 28.22 28.78 31.32 34.53 33.99
Retail Time Deps/Tot Deposits NA NA NA NA NA
Jumbo Time Deposits/ Deposits NA NA NA NA NA
Tot Time Deposits/Tot Deposits 31 30.30 26.55 23.45 23.33
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 69 69.70 73.45 76.55 76.67
Core Deposits/Total Deposits NA NA NA NA NA
Noninterest-bearing Deposits/ Deposits 21.06 22.44 22.38 22.61 23.51
Interest-bearing Deposits/ Deposits 78.94 77.56 77.62 77.39 76.49
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.