Deposit Loan Composition

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Financial Highlights
3/31/2017
3/31/2018
6/30/2018
9/30/2018
Loan Composition (%)
Total Gross Loans($000) 560,950 601,899 622,778 619,821
Gross Loans HFI Growth 10.49 6.96 13.88 5.32
1-4 Family Loans/ Loans 57.38 56.22 55.89 49.05
Multifamily Loans/ Loans 2.11 2.94 3.04 3.29
Commercial Real Estate Loans/ Loans 22.22 24.12 25.12 31.84
Commercial & Multifamily Real Estate Loans/ Loans 24.33 27.06 28.15 35.13
Real Estate Loans/ Loans 81.71 83.28 84.05 84.18
Construction & Development Loans/ Loans 2.18 1.96 1.91 1.77
Home Equity Loans/ Loans 14.39 13.18 12.48 13.83
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0
Other Consumer Loans/ Loans 0.12 0.08 0.08 0.06
Consumer Loans/ Loans 14.51 13.26 12.56 13.90
Commercial Loans/ Loans 1.77 1.67 1.64 0.83
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0.01 0.01 0.02 0
Unearned Income and Other Adjustments/ Loans (0.18) (0.17) (0.17) (0.67)
Deposit Composition (%)
Total Deposits($000) 549,792 583,679 589,797 582,078
Deposit Growth 11.80 13.87 4.19 6.07
Transaction Acct Deps/Tot Deps 30.77 30.64 30.43 29.62
Savings Acct Deps/Tot Deposits NA NA NA 0.51
Money Mkt Deps/Tot Deposits NA NA NA 37.31
MMDA & Savings/Total Deposits 43.87 39.36 39.26 37.82
Retail Time Deps/Tot Deposits 20.11 21.34 21.42 22.23
Jumbo Time Deposits/ Deposits 5.25 8.65 8.90 10.32
Tot Time Deposits/Tot Deposits 25.36 29.99 30.31 32.55
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 74.64 70.01 69.69 67.45
Core Deposits/Total Deposits 94.75 91.35 91.10 89.68
Noninterest-bearing Deposits/ Deposits NA NA NA 9.54
Interest-bearing Deposits/ Deposits NA NA NA 90.46
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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