Deposit Loan Composition

Financial Highlights
12/31/2014
12/31/2015
12/31/2016
3/31/2017
Loan Composition (%)
Total Gross Loans($000) 491,066 574,333 585,843 596,941
Gross Loans HFI Growth 11.50 17.16 2.05 8.53
1-4 Family Loans/ Loans 32.88 31.39 29.13 29.04
Multifamily Loans/ Loans 6.49 7.96 6.18 6.12
Commercial Real Estate Loans/ Loans 31.96 30.20 33.49 33.54
Commercial & Multifamily Real Estate Loans/ Loans 38.45 38.17 39.67 39.65
Real Estate Loans/ Loans 71.34 69.56 68.80 68.69
Construction & Development Loans/ Loans 5.67 7.83 7.23 7.01
Home Equity Loans/ Loans 5.55 5.41 5.58 5.54
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.04 0.05 0.04 0.03
Other Consumer Loans/ Loans 0.06 0.05 0.05 0.05
Consumer Loans/ Loans 5.64 5.50 5.67 5.62
Commercial Loans/ Loans 12.02 12.02 13.24 13.34
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 5.33 5.08 5.06 5.33
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 633,946 714,875 779,771 770,629
Deposit Growth 10.66 12.77 9.08 (4.69)
Transaction Acct Deps/Tot Deps 33.83 34.64 36.95 37.15
Savings Acct Deps/Tot Deposits 14.18 16.57 16.37 17.38
Money Mkt Deps/Tot Deposits 22.93 21.59 22.87 21.77
MMDA & Savings/Total Deposits 37.11 38.16 39.24 39.15
Retail Time Deps/Tot Deposits 15.55 14.41 12.39 12.25
Jumbo Time Deposits/ Deposits 13.51 12.80 11.42 11.45
Tot Time Deposits/Tot Deposits 29.06 27.21 23.81 23.70
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 70.94 72.79 76.19 76.30
Core Deposits/Total Deposits 86.49 87.20 88.58 88.55
Noninterest-bearing Deposits/ Deposits 12.67 13.99 14.34 15.33
Interest-bearing Deposits/ Deposits 87.33 86.01 85.66 84.67
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.