Investor Relations

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) 7,575,583 7,267,763 6,533,619 5,855,720 4,916,445
Gross Loans HFI Growth 16.93 11.14 11.66 19.13 16.49
1-4 Family Loans/ Loans 6.10 5.98 6.19 6.31 6.71
Multifamily Loans/ Loans 3.91 4.13 2.46 2.18 1.87
Commercial Real Estate Loans/ Loans 42.50 41.80 40.41 37.57 38.89
Commercial & Multifamily Real Estate Loans/ Loans 46.41 45.93 42.87 39.75 40.77
Real Estate Loans/ Loans 52.51 51.91 49.06 46.06 47.48
Construction & Development Loans/ Loans 7.25 7.18 8.16 9.93 6.82
Home Equity Loans/ Loans 2.83 2.89 3.32 4 4.22
Credit Card Loans/ Loans 0.10 0.11 0.13 0.13 0.10
Vehicle Loans/ Loans 0.04 0.05 0.05 0.04 0.05
Other Consumer Loans/ Loans 0.66 0.72 0.80 0.90 0.97
Consumer Loans/ Loans 3.63 3.78 4.31 5.06 5.34
Commercial Loans/ Loans 36.61 37.13 38.47 38.96 40.36
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 7,832,655 7,530,433 6,915,708 6,091,674 5,420,311
Deposit Growth 16.05 8.89 13.53 12.39 28.33
Transaction Acct Deps/Tot Deps 38.15 36.32 36.46 39.91 38.40
Savings Acct Deps/Tot Deposits 0.86 0.87 0.78 0.84 0.90
Money Mkt Deps/Tot Deposits 51.10 53.13 52.93 49.88 50.97
MMDA & Savings/Total Deposits 51.96 54 53.71 50.72 51.87
Retail Time Deps/Tot Deposits NA NA 1.20 1.35 1.47
Jumbo Time Deposits/ Deposits NA NA 8.63 8.03 8.27
Tot Time Deposits/Tot Deposits 9.89 9.68 9.83 9.38 9.74
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 90.11 90.32 90.17 90.62 90.26
Core Deposits/Total Deposits NA NA 91.37 91.97 91.73
Noninterest-bearing Deposits/ Deposits 24.58 23.24 22.52 23.64 23.64
Interest-bearing Deposits/ Deposits 75.42 76.76 77.48 76.36 76.36
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.