Year-end Loan & Deposit Composition

Financial Highlights
3/31/2017
12/31/2017
3/31/2018
6/30/2018
Loan Composition (%)
Total Gross Loans($000) 1,989,024 2,216,016 2,210,340 2,271,876
Gross Loans HFI Growth 11.54 14.26 (0.46) 10.41
1-4 Family Loans/ Loans 44.96 41.80 42.40 43.59
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 35.33 37.80 38.52 36.46
Real Estate Loans/ Loans 80.29 79.60 80.92 80.05
Construction & Development Loans/ Loans 3.58 4.13 3.33 3.91
Home Equity Loans/ Loans 4.02 3.65 3.40 3.18
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans NA 0.71 NA NA
Other Consumer Loans/ Loans 1.36 0.28 0.90 0.81
Consumer Loans/ Loans 5.38 4.64 4.31 3.99
Commercial Loans/ Loans 10.60 11.49 11.31 11.89
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans 0.14 0.15 0.14 0.16
Deposit Composition (%)
Total Deposits($000) 1,856,722 2,039,869 2,077,838 2,112,067
Deposit Growth 10.62 12.78 7.45 6.59
Transaction Acct Deps/Tot Deps 18.43 18.69 18.40 17.80
Savings Acct Deps/Tot Deposits 14.28 10.83 10.44 10.09
Money Mkt Deps/Tot Deposits 36.25 36.25 35.31 33.84
MMDA & Savings/Total Deposits 50.52 47.08 45.75 43.93
Retail Time Deps/Tot Deposits 19.78 19.38 18.95 20.72
Jumbo Time Deposits/ Deposits 11.27 14.85 16.89 17.54
Tot Time Deposits/Tot Deposits 31.05 34.23 35.85 38.27
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 68.95 65.77 64.15 61.73
Core Deposits/Total Deposits 88.73 85.15 83.11 82.46
Noninterest-bearing Deposits/ Deposits 10.26 10.78 10.38 10.09
Interest-bearing Deposits/ Deposits 89.74 89.22 89.62 89.91
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.