Deposit Loan Composition

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
9/30/2018
Loan Composition (%)
Total Gross Loans($000) 759,889 845,779 902,379 911,157
Gross Loans HFI Growth 50.57 15 26.77 8.12
1-4 Family Loans/ Loans 25.37 21.79 21.38 21.64
Multifamily Loans/ Loans 1.69 3.86 5.01 4.95
Commercial Real Estate Loans/ Loans 50.42 54.16 54.26 55.53
Commercial & Multifamily Real Estate Loans/ Loans 52.11 58.01 59.27 60.48
Real Estate Loans/ Loans 77.48 79.81 80.65 82.13
Construction & Development Loans/ Loans 8.03 6.73 6.14 5.12
Home Equity Loans/ Loans 5.83 4.20 3.71 3.65
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0 0.01 0 0.01
Other Consumer Loans/ Loans 0.19 0.28 0.25 0.25
Consumer Loans/ Loans 6.03 4.48 3.97 3.90
Commercial Loans/ Loans 8.36 8.91 9.18 8.79
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans 0.09 0.07 0.06 0.06
Deposit Composition (%)
Total Deposits($000) 704,272 825,569 787,932 774,163
Deposit Growth 27.72 14.29 (18.24) (2.05)
Transaction Acct Deps/Tot Deps 20.99 27.74 31.31 29.16
Savings Acct Deps/Tot Deposits 6.24 5.42 5.66 5.77
Money Mkt Deps/Tot Deposits 35.73 35.59 35.13 34.98
MMDA & Savings/Total Deposits 41.97 41.01 40.79 40.75
Retail Time Deps/Tot Deposits 11.99 9.59 9.72 NA
Jumbo Time Deposits/ Deposits 25.05 21.66 18.18 NA
Tot Time Deposits/Tot Deposits 37.04 31.25 27.89 30.09
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 62.96 68.75 72.11 69.91
Core Deposits/Total Deposits 74.95 78.34 81.82 NA
Noninterest-bearing Deposits/ Deposits 6.43 4.66 6.13 5.38
Interest-bearing Deposits/ Deposits 93.57 95.34 93.87 94.62
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.