Deposit Loan Composition

Financial Highlights
12/31/2016
3/31/2017
12/31/2017
3/31/2018
Loan Composition (%)
Total Gross Loans($000) 1,143,039 1,148,703 1,172,735 1,208,453
Gross Loans HFI Growth 2 9.09 5.04 18.53
1-4 Family Loans/ Loans 20.46 22.71 22.26 22.51
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 6.21 6.05 5.64 5.14
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.37 0.33 0.28 0.24
Other Consumer Loans/ Loans 1.01 0.94 0.88 0.78
Consumer Loans/ Loans 7.59 7.33 6.80 6.17
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 0.09 0.08 0.06 0.05
Deposit Composition (%)
Total Deposits($000) 1,107,017 1,136,466 1,159,580 1,153,907
Deposit Growth 9.36 10.64 4.75 (1.96)
Transaction Acct Deps/Tot Deps 47.85 NA 48.49 NA
Savings Acct Deps/Tot Deposits NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits 25.34 NA 24.56 NA
Retail Time Deps/Tot Deposits NA 11.14 NA 9.26
Jumbo Time Deposits/ Deposits NA 13.54 NA 13.57
Tot Time Deposits/Tot Deposits 26.81 24.68 26.95 22.83
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 73.19 75.32 73.05 77.17
Core Deposits/Total Deposits NA 86.46 NA 86.43
Noninterest-bearing Deposits/ Deposits 10.45 10.49 10.86 12.38
Interest-bearing Deposits/ Deposits 89.55 89.51 89.14 87.62
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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