Deposit Loan Composition
Financial Highlights
2019 FQ3 YTD
9/30/2019
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) 2,933,013 2,753,085 2,558,552 2,378,620 2,277,727
Gross Loans HFI Growth 8.15 7.67 7.50 4.44 9.04
1-4 Family Loans/ Loans 11.80 11.17 9.95 8.21 8.36
Multifamily Loans/ Loans NA 2.61 1.77 2.48 2.33
Commercial Real Estate Loans/ Loans NA 51.60 53.72 52.87 50.58
Commercial & Multifamily Real Estate Loans/ Loans 53.77 54.21 55.50 55.35 52.92
Real Estate Loans/ Loans 65.57 65.38 65.45 63.56 61.27
Construction & Development Loans/ Loans 1.65 1.63 1.17 1.46 1.98
Home Equity Loans/ Loans 1.87 2.10 2.56 3.18 3.37
Credit Card Loans/ Loans 0.01 0.02 0.02 0.02 0.02
Vehicle Loans/ Loans 0.43 0.56 0.70 0.88 1.07
Other Consumer Loans/ Loans 0.36 0.42 0.64 0.89 1.72
Consumer Loans/ Loans 2.68 3.10 3.93 4.96 6.17
Commercial Loans/ Loans 30.10 29.88 29.46 30.01 30.57
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 2,767,091 2,463,708 2,522,365 2,374,985 2,275,382
Deposit Growth 16.42 (2.33) 6.21 4.38 (0.07)
Transaction Acct Deps/Tot Deps 46.80 49.88 49.72 50.04 47.37
Savings Acct Deps/Tot Deposits 9.76 12.87 12.99 14.53 14.63
Money Mkt Deps/Tot Deposits 18.89 17.63 16.93 11.45 12.06
MMDA & Savings/Total Deposits 28.65 30.50 29.92 25.98 26.69
Retail Time Deps/Tot Deposits 7.40 6.50 6.04 6.15 6.85
Jumbo Time Deposits/ Deposits 17.16 13.13 14.32 17.82 19.09
Tot Time Deposits/Tot Deposits 24.56 19.62 20.36 23.98 25.94
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 75.44 80.38 79.64 76.02 74.06
Core Deposits/Total Deposits 82.84 86.87 85.68 82.18 80.91
Noninterest-bearing Deposits/ Deposits 34.95 36.12 34.35 34.13 29.65
Interest-bearing Deposits/ Deposits 65.05 63.88 65.65 65.87 70.35
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.