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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) 2,656,390 1,953,988 1,906,761 1,839,180 1,763,808
Gross Loans HFI Growth NA 2.53 3.79 4.28 (1.15)
1-4 Family Loans/ Loans NA 12.09 13.34 14.68 16.60
Multifamily Loans/ Loans NA 5.60 4.72 3.68 4
Commercial Real Estate Loans/ Loans NA 15.05 16.11 16.54 17.78
Commercial & Multifamily Real Estate Loans/ Loans NA 20.65 20.82 20.22 21.79
Real Estate Loans/ Loans NA 32.73 34.17 34.90 38.39
Construction & Development Loans/ Loans NA 5.99 6.11 5.14 2.08
Home Equity Loans/ Loans NA 4.55 4.10 3.99 4.02
Credit Card Loans/ Loans NA 0.17 0.13 0.12 0
Vehicle Loans/ Loans NA 16.04 15.87 15.30 14.21
Other Consumer Loans/ Loans NA 1.24 1.20 1.21 1.26
Consumer Loans/ Loans NA 22.01 21.30 20.62 19.49
Commercial Loans/ Loans NA 34.01 32.80 33.95 35.11
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans NA 5.12 5.46 5.21 4.79
Unearned Income and Other Adjustments/ Loans 0.15 0.15 0.17 0.17 0.14
Deposit Composition (%)
Total Deposits($000) 3,275,357 2,436,727 2,458,653 2,428,526 2,442,369
Deposit Growth 34.42 (0.89) 1.24 (0.57) (0.60)
Transaction Acct Deps/Tot Deps NA NA NA NA NA
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits NA NA NA NA NA
Retail Time Deps/Tot Deposits NA 8.44 9.69 11.03 11.42
Jumbo Time Deposits/ Deposits NA 3.89 4.02 4.30 5.44
Tot Time Deposits/Tot Deposits NA 12.34 13.70 15.33 16.86
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits NA 87.66 86.30 84.67 83.14
Core Deposits/Total Deposits NA 96.11 95.98 95.70 94.56
Noninterest-bearing Deposits/ Deposits 16.71 17.73 17.29 23.23 23.06
Interest-bearing Deposits/ Deposits 83.29 82.27 82.71 76.77 76.94
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.
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