Union Bank

Deposit Loan Composition
Financial Highlights
2019 FY
12/31/2019
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) 678,729 646,298 595,357 541,742 506,656
Gross Loans HFI Growth 4.33 9.53 10.01 6.57 4.31
1-4 Family Loans/ Loans 26.29 26.88 28 29.46 29.71
Multifamily Loans/ Loans NA NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 43.18 42.97 43.29 46.65 45.99
Real Estate Loans/ Loans 69.48 69.86 71.30 76.11 75.71
Construction & Development Loans/ Loans 10.37 8.60 7.31 6.40 8.56
Home Equity Loans/ Loans 2.33 2.23 2.47 2.89 3.30
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.03 0.03 0.03 0.05 0.07
Other Consumer Loans/ Loans 0.50 0.47 0.63 0.69 0.72
Consumer Loans/ Loans 2.86 2.74 3.13 3.63 4.09
Commercial Loans/ Loans 7.11 7.34 8.63 7.87 4.27
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 10.03 11.32 9.50 5.87 7.27
Unearned Income and Other Adjustments/ Loans 0.16 0.15 0.14 0.12 0.10
Deposit Composition (%)
Total Deposits($000) 744,027 706,770 647,574 597,660 560,408
Deposit Growth 5.27 9.14 8.35 6.65 1.51
Transaction Acct Deps/Tot Deps 41.64 41.15 44.91 42.74 40.37
Savings Acct Deps/Tot Deposits NA 14.97 15.65 16.05 16.17
Money Mkt Deps/Tot Deposits NA 25.62 23.82 23.95 16.63
MMDA & Savings/Total Deposits 38.38 40.59 39.47 40 32.80
Retail Time Deps/Tot Deposits 10.16 9.14 9.26 10.48 11.02
Jumbo Time Deposits/ Deposits 9.82 9.12 6.36 6.79 15.82
Tot Time Deposits/Tot Deposits 19.98 18.26 15.62 17.27 26.83
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 80.02 81.74 84.38 82.73 73.17
Core Deposits/Total Deposits 90.18 90.88 93.64 93.21 84.18
Noninterest-bearing Deposits/ Deposits 18.34 18.81 19.74 18.80 17.81
Interest-bearing Deposits/ Deposits 81.66 81.19 80.26 81.20 82.19
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.
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