Deposit Loan Composition

Financial Highlights
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ1 YTD
3/31/2020
Loan Composition (%)
Total Gross Loans($000) 10,566,117 11,132,236 12,123,243 12,330,278 12,591,697
Gross Loans HFI Growth 68.74 5.30 8.97 1.47 10.02
1-4 Family Loans/ Loans 0.55 0.45 0.42 7.23 6.70
Multifamily Loans/ Loans 4.01 4.10 3.75 3.79 3.83
Commercial Real Estate Loans/ Loans 70.37 69.23 65.64 63.95 62.47
Commercial & Multifamily Real Estate Loans/ Loans 74.38 73.33 69.39 67.75 66.30
Real Estate Loans/ Loans 74.93 73.78 69.82 74.98 73
Construction & Development Loans/ Loans 2.41 2.85 2.27 2.41 2.24
Home Equity Loans/ Loans 0.17 0.14 0.06 0.07 0.03
Credit Card Loans/ Loans 0.08 0.08 0.08 0.07 0.06
Vehicle Loans/ Loans 0.06 0.02 0.01 0 0
Other Consumer Loans/ Loans 3.52 5.59 8.55 0.31 0.30
Consumer Loans/ Loans 3.83 5.83 8.69 0.45 0.38
Commercial Loans/ Loans 18.85 17.54 19.22 22.17 24.37
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.02) 0 0 NA NA
Deposit Composition (%)
Total Deposits($000) 10,642,035 10,846,609 12,155,656 12,527,364 12,836,567
Deposit Growth 67.83 1.92 12.07 3.06 9.87
Transaction Acct Deps/Tot Deps NA NA NA NA NA
Savings Acct Deps/Tot Deposits 2.84 2.22 1.86 2.19 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 9.92 NA NA NA NA
Jumbo Time Deposits/ Deposits 28.02 NA NA NA NA
Tot Time Deposits/Tot Deposits 37.95 39.41 48.30 41.18 36.64
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 62.05 60.59 51.70 58.82 63.36
Core Deposits/Total Deposits 71.98 NA NA NA NA
Noninterest-bearing Deposits/ Deposits 27.25 27.65 24.87 24.82 23.45
Interest-bearing Deposits/ Deposits 72.75 72.35 75.13 75.18 76.55
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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