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) 1,121,680 1,036,251 1,001,544 825,994 694,535
Gross Loans HFI Growth 8.24 3.47 21.25 18.93 2.98
1-4 Family Loans/ Loans 33.21 33 27.82 30.20 36.54
Multifamily Loans/ Loans 15.42 16.34 18.46 14.92 17.67
Commercial Real Estate Loans/ Loans 35.23 36.07 36.07 36.77 35.16
Commercial & Multifamily Real Estate Loans/ Loans 50.64 52.42 54.54 51.69 52.84
Real Estate Loans/ Loans 83.86 85.42 82.36 81.89 89.37
Construction & Development Loans/ Loans 10.13 10.50 14.54 16.58 8.94
Home Equity Loans/ Loans 0.95 1.08 0.80 0.65 0.73
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 1.65 0 0 0 0
Other Consumer Loans/ Loans 0.10 0.17 0.11 0.18 0.27
Consumer Loans/ Loans 2.69 1.25 0.91 0.84 1
Commercial Loans/ Loans 3.37 2.94 2.31 0.96 1.09
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.05) (0.11) (0.11) (0.26) (0.41)
Deposit Composition (%)
Total Deposits($000) 1,033,534 939,032 839,502 717,476 675,407
Deposit Growth 10.06 11.86 17.01 6.23 9.98
Transaction Acct Deps/Tot Deps 11.49 9.18 9.97 7.24 6.76
Savings Acct Deps/Tot Deposits 1.69 2.64 3.39 3.96 4.19
Money Mkt Deps/Tot Deposits 36.55 36.11 37.96 28.57 31.30
MMDA & Savings/Total Deposits 38.24 38.75 41.34 32.53 35.50
Retail Time Deps/Tot Deposits 16.18 18.69 19.39 23.27 24.37
Jumbo Time Deposits/ Deposits 34.09 33.38 29.30 36.96 33.37
Tot Time Deposits/Tot Deposits 50.27 52.07 48.69 60.23 57.74
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 49.73 47.93 51.31 39.77 42.26
Core Deposits/Total Deposits 65.91 66.62 70.70 63.04 66.63
Noninterest-bearing Deposits/ Deposits 5.11 4.91 5.41 4.66 4.35
Interest-bearing Deposits/ Deposits 94.89 95.09 94.59 95.34 95.65
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.