Deposit Loan Composition

Financial Highlights
12/31/2013
12/31/2014
12/31/2015
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 712,365 867,824 1,134,793 1,143,039
Gross Loans HFI Growth 39.39 28.28 29.30 2
1-4 Family Loans/ Loans 18.99 21.86 21.06 20.46
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans NA NA NA NA
Real Estate Loans/ Loans NA NA NA NA
Construction & Development Loans/ Loans NA NA NA NA
Home Equity Loans/ Loans 4.47 5.75 6.60 6.21
Credit Card Loans/ Loans 0.10 0.09 0.07 0
Vehicle Loans/ Loans 0.92 0.50 0.46 0.37
Other Consumer Loans/ Loans 2.02 1.55 1.15 1.01
Consumer Loans/ Loans 7.51 7.90 8.28 7.59
Commercial Loans/ Loans NA NA NA NA
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans NA NA NA NA
Unearned Income and Other Adjustments/ Loans 0.23 0.17 0.11 0.09
Deposit Composition (%)
Total Deposits($000) 695,811 823,227 1,012,314 1,107,017
Deposit Growth 43.02 18.31 22.97 9.36
Transaction Acct Deps/Tot Deps 55.15 60.61 54.71 47.85
Savings Acct Deps/Tot Deposits NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits 10.19 10.66 12.71 25.34
Retail Time Deps/Tot Deposits 11.20 NA NA NA
Jumbo Time Deposits/ Deposits 23.46 NA NA NA
Tot Time Deposits/Tot Deposits 34.66 28.73 32.58 26.81
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 65.34 71.27 67.42 73.19
Core Deposits/Total Deposits 76.54 NA NA NA
Noninterest-bearing Deposits/ Deposits 9.10 8.15 7.94 10.45
Interest-bearing Deposits/ Deposits 90.90 91.85 92.06 89.55
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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