Deposit Loan Composition

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Loan Composition (%)
Total Gross Loans($000) 631,826 716,100 760,836 776,328
Gross Loans HFI Growth (10.99) 6.08 26.06 10.80
1-4 Family Loans/ Loans 21.82 21.47 22.94 24.78
Multifamily Loans/ Loans 5.61 5.70 5.21 5.05
Commercial Real Estate Loans/ Loans 36.43 36.86 35.72 33.18
Commercial & Multifamily Real Estate Loans/ Loans 42.04 42.56 40.93 38.23
Real Estate Loans/ Loans 63.87 64.03 63.87 63.01
Construction & Development Loans/ Loans 8.39 8.49 8.43 9.49
Home Equity Loans/ Loans 7.45 6.64 6.54 6.14
Credit Card Loans/ Loans 0.21 0.20 0.19 0.21
Vehicle Loans/ Loans 0.65 0.63 0.68 0.72
Other Consumer Loans/ Loans 0.79 0.87 0.90 0.92
Consumer Loans/ Loans 9.10 8.34 8.32 7.98
Commercial Loans/ Loans 17.11 15.90 16.27 16.46
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 1.47 3.18 3.05 2.99
Unearned Income and Other Adjustments/ Loans 0.06 0.07 0.07 0.08
Deposit Composition (%)
Total Deposits($000) 712,915 748,795 752,879 802,552
Deposit Growth 23.68 10.52 2.18 10
Transaction Acct Deps/Tot Deps 36.20 36.17 34.62 34.29
Savings Acct Deps/Tot Deposits 14.57 15.60 15.69 13.01
Money Mkt Deps/Tot Deposits 19.49 19.19 20.09 22.61
MMDA & Savings/Total Deposits 34.06 34.79 35.77 35.62
Retail Time Deps/Tot Deposits NA NA NA 12.81
Jumbo Time Deposits/ Deposits NA NA NA 17.27
Tot Time Deposits/Tot Deposits 29.74 29.04 29.61 30.09
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 70.26 70.96 70.39 69.91
Core Deposits/Total Deposits NA NA NA 82.73
Noninterest-bearing Deposits/ Deposits 17.49 17.75 17.42 18.02
Interest-bearing Deposits/ Deposits 82.51 82.25 82.58 81.98
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.