Deposit Loan Composition

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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) 1,672,114 1,608,154 1,520,764 1,441,710 1,403,132
Gross Loans HFI Growth 6.15 0.64 6.76 9.67 5.65
1-4 Family Loans/ Loans 34.01 34.60 35.53 34.03 33.35
Multifamily Loans/ Loans 41.76 42.14 43.29 44.78 47.42
Commercial Real Estate Loans/ Loans 17.48 17.05 16.35 15.16 13.53
Commercial & Multifamily Real Estate Loans/ Loans 59.24 59.19 59.65 59.94 60.96
Real Estate Loans/ Loans 93.25 93.79 95.17 93.97 94.31
Construction & Development Loans/ Loans 3.17 2.67 0.97 1.54 1.54
Home Equity Loans/ Loans 1.25 1.30 1.45 1.64 1.85
Credit Card Loans/ Loans 0.05 0.05 0.01 0.01 0.01
Vehicle Loans/ Loans 0 0 0.01 0.01 0
Other Consumer Loans/ Loans 0.01 0 0.01 0 0.02
Consumer Loans/ Loans 1.32 1.36 1.48 1.65 1.88
Commercial Loans/ Loans 2.27 2.18 2.38 2.84 2.28
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) 1,086,068 1,067,776 1,038,495 967,380 949,411
Deposit Growth 6.85 2.82 7.35 1.89 6.27
Transaction Acct Deps/Tot Deps 12.45 12.18 13.40 13.40 12.68
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits 20.39 18.54 15.74 15.38 17.11
Retail Time Deps/Tot Deposits 39.51 41.23 42.99 44.40 45.22
Jumbo Time Deposits/ Deposits 27.64 28.05 27.87 26.82 24.99
Tot Time Deposits/Tot Deposits 67.16 69.28 70.86 71.22 70.21
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 32.84 30.72 29.14 28.78 29.79
Core Deposits/Total Deposits 72.36 71.95 72.13 73.18 75.01
Noninterest-bearing Deposits/ Deposits NA NA NA NA 4.11
Interest-bearing Deposits/ Deposits NA NA NA NA 95.89
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