Deposit Loan Composition

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 1,105,658 1,121,680 1,036,251 1,001,544 825,994
Gross Loans HFI Growth (5.71) 8.24 3.47 21.25 18.93
1-4 Family Loans/ Loans 33.58 33.21 33 27.82 30.20
Multifamily Loans/ Loans 15.33 15.42 16.34 18.46 14.92
Commercial Real Estate Loans/ Loans 34.90 35.23 36.07 36.07 36.77
Commercial & Multifamily Real Estate Loans/ Loans 50.23 50.64 52.42 54.54 51.69
Real Estate Loans/ Loans 83.81 83.86 85.42 82.36 81.89
Construction & Development Loans/ Loans 9.71 10.13 10.50 14.54 16.58
Home Equity Loans/ Loans NA 0.95 1.08 0.80 0.65
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 1.99 1.65 0 0 0
Other Consumer Loans/ Loans 1.37 0.10 0.17 0.11 0.18
Consumer Loans/ Loans 3.37 2.69 1.25 0.91 0.84
Commercial Loans/ Loans 3.14 3.37 2.94 2.31 0.96
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.03) (0.05) (0.11) (0.11) (0.26)
Deposit Composition (%)
Total Deposits($000) 999,984 1,033,534 939,032 839,502 717,476
Deposit Growth (12.98) 10.06 11.86 17.01 6.23
Transaction Acct Deps/Tot Deps 12.23 11.49 9.18 9.97 7.24
Savings Acct Deps/Tot Deposits 1.70 1.69 2.64 3.39 3.96
Money Mkt Deps/Tot Deposits 39.75 36.55 36.11 37.96 28.57
MMDA & Savings/Total Deposits 41.45 38.24 38.75 41.34 32.53
Retail Time Deps/Tot Deposits 9.55 16.18 18.69 19.39 23.27
Jumbo Time Deposits/ Deposits 36.76 34.09 33.38 29.30 36.96
Tot Time Deposits/Tot Deposits 46.31 50.27 52.07 48.69 60.23
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 53.69 49.73 47.93 51.31 39.77
Core Deposits/Total Deposits 63.24 65.91 66.62 70.70 63.04
Noninterest-bearing Deposits/ Deposits 5.35 5.11 4.91 5.41 4.66
Interest-bearing Deposits/ Deposits 94.65 94.89 95.09 94.59 95.34
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.