Deposit Loan Composition

Financial Highlights
12/31/2014
12/31/2015
12/31/2016
3/31/2017
Loan Composition (%)
Total Gross Loans($000) 571,533 739,191 815,883 836,255
Gross Loans HFI Growth 4.74 28.90 10.51 9.97
1-4 Family Loans/ Loans 11.63 13.67 12.22 11.90
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 52.03 50.16 54.86 55.63
Real Estate Loans/ Loans 63.65 63.83 67.08 67.53
Construction & Development Loans/ Loans 9.81 9.24 6.68 6.34
Home Equity Loans/ Loans 4.99 4.54 4.62 4.62
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.09 0.08 0.06 0.06
Other Consumer Loans/ Loans 0.43 0.45 0.31 0.27
Consumer Loans/ Loans 5.52 5.07 4.99 4.95
Commercial Loans/ Loans 21.02 21.86 21.25 21.18
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 637,922 777,043 935,373 971,887
Deposit Growth 4.90 21.81 20.38 15.61
Transaction Acct Deps/Tot Deps 44.41 45.18 47.08 48.21
Savings Acct Deps/Tot Deposits 5.08 7.30 6.43 6.50
Money Mkt Deps/Tot Deposits 30.95 26.82 26.97 26.26
MMDA & Savings/Total Deposits 36.03 34.12 33.40 32.76
Retail Time Deps/Tot Deposits 11.97 12.46 10.31 9.86
Jumbo Time Deposits/ Deposits 7.59 8.24 9.21 9.17
Tot Time Deposits/Tot Deposits 19.56 20.70 19.52 19.03
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 80.44 79.30 80.48 80.97
Core Deposits/Total Deposits 92.41 91.76 90.79 90.83
Noninterest-bearing Deposits/ Deposits 9.50 13.35 13.13 14.08
Interest-bearing Deposits/ Deposits 90.50 86.65 86.87 85.92
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.