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Investor Relations

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) 7,267,763 6,533,619 5,855,720 4,916,445 4,224,624
Gross Loans HFI Growth 11.14 11.66 19.13 16.49 25.49
1-4 Family Loans/ Loans 5.98 6.19 6.31 6.71 6.37
Multifamily Loans/ Loans NA 2.46 2.18 1.87 1.69
Commercial Real Estate Loans/ Loans NA 40.41 37.57 38.89 38.95
Commercial & Multifamily Real Estate Loans/ Loans 45.93 42.87 39.75 40.77 40.64
Real Estate Loans/ Loans 51.91 49.06 46.06 47.48 47
Construction & Development Loans/ Loans 7.18 8.16 9.93 6.82 5.77
Home Equity Loans/ Loans 2.89 3.32 4 4.22 4.17
Credit Card Loans/ Loans 0.11 0.13 0.13 0.10 0.09
Vehicle Loans/ Loans 0.05 0.05 0.04 0.05 0.05
Other Consumer Loans/ Loans 0.72 0.80 0.90 0.97 1.16
Consumer Loans/ Loans 3.78 4.31 5.06 5.34 5.47
Commercial Loans/ Loans 37.13 38.47 38.96 40.36 41.75
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) 7,530,433 6,915,708 6,091,674 5,420,311 4,223,888
Deposit Growth 8.89 13.53 12.39 28.33 24.30
Transaction Acct Deps/Tot Deps 36.32 36.46 39.91 38.40 40.62
Savings Acct Deps/Tot Deposits 0.87 0.78 0.84 0.90 0.98
Money Mkt Deps/Tot Deposits 53.13 52.93 49.88 50.97 46.50
MMDA & Savings/Total Deposits 54 53.71 50.72 51.87 47.48
Retail Time Deps/Tot Deposits 1.10 1.20 1.35 1.47 1.86
Jumbo Time Deposits/ Deposits 8.58 8.63 8.03 8.27 10.04
Tot Time Deposits/Tot Deposits 9.67 9.83 9.38 9.74 11.90
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 90.33 90.17 90.62 90.26 88.10
Core Deposits/Total Deposits 91.42 91.37 91.97 91.73 89.96
Noninterest-bearing Deposits/ Deposits 23.24 22.52 23.64 23.64 24.94
Interest-bearing Deposits/ Deposits 76.76 77.48 76.36 76.36 75.06
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.