Deposit Loan Composition

Financial Highlights
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FQ3 YTD
9/30/2019
Loan Composition (%)
Total Gross Loans($000) 6,256,614 10,566,117 11,132,236 12,123,243 12,134,309
Gross Loans HFI Growth 12.28 68.74 5.30 8.97 0.07
1-4 Family Loans/ Loans 0.54 0.55 0.45 0.42 0.39
Multifamily Loans/ Loans 3.93 4.01 4.10 3.75 3.91
Commercial Real Estate Loans/ Loans 74.69 70.37 69.23 65.64 64.13
Commercial & Multifamily Real Estate Loans/ Loans 78.62 74.38 73.33 69.39 68.04
Real Estate Loans/ Loans 79.16 74.93 73.78 69.82 68.43
Construction & Development Loans/ Loans 1.97 2.41 2.85 2.27 2.52
Home Equity Loans/ Loans 0.31 0.17 0.14 0.06 0.03
Credit Card Loans/ Loans 0.07 0.08 0.08 0.08 0.07
Vehicle Loans/ Loans 0.19 0.06 0.02 0.01 0
Other Consumer Loans/ Loans 1.07 3.52 5.59 8.55 7.09
Consumer Loans/ Loans 1.64 3.83 5.83 8.69 7.19
Commercial Loans/ Loans 17.27 18.85 17.54 19.22 21.84
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.05) (0.02) 0 0 0.02
Deposit Composition (%)
Total Deposits($000) 6,340,976 10,642,035 10,846,609 12,155,656 12,234,750
Deposit Growth 11.37 67.83 1.92 12.07 0.87
Transaction Acct Deps/Tot Deps NA NA NA NA NA
Savings Acct Deps/Tot Deposits 2.96 2.84 2.22 1.86 2.12
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits NA NA NA NA NA
Retail Time Deps/Tot Deposits 11.08 9.92 NA NA NA
Jumbo Time Deposits/ Deposits 27.96 28.02 NA NA NA
Tot Time Deposits/Tot Deposits 39.04 37.95 39.41 48.30 42.42
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 60.96 62.05 60.59 51.70 57.58
Core Deposits/Total Deposits 72.04 71.98 NA NA NA
Noninterest-bearing Deposits/ Deposits 26.72 27.25 27.65 24.87 24.79
Interest-bearing Deposits/ Deposits 73.28 72.75 72.35 75.13 75.21
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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