Loan and Deposit Composition

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Loan Composition (%)
Total Gross Loans($000) 324,888 369,193 371,094 395,535
Gross Loans HFI Growth 11.81 5.85 (0.69) 8.72
1-4 Family Loans/ Loans 21.40 21.50 21.73 20.29
Multifamily Loans/ Loans 1.65 1.86 1.87 2.32
Commercial Real Estate Loans/ Loans 33.15 34.37 35.65 40.89
Commercial & Multifamily Real Estate Loans/ Loans 34.80 36.22 37.53 43.21
Real Estate Loans/ Loans 56.19 57.72 59.26 63.50
Construction & Development Loans/ Loans 10.91 9.44 8.59 6.88
Home Equity Loans/ Loans 11.01 11.11 11.01 10.98
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.03 0.01 0.01 0
Other Consumer Loans/ Loans 0.25 0.13 0.12 0.09
Consumer Loans/ Loans 11.29 11.25 11.14 11.08
Commercial Loans/ Loans 20.18 19.02 19.24 18.55
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 1.43 2.57 1.77 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 326,651 364,308 374,529 395,179
Deposit Growth 5.38 1.34 11.22 8.84
Transaction Acct Deps/Tot Deps 29.79 32.19 34.15 32.04
Savings Acct Deps/Tot Deposits 6.57 6.34 5.53 4.96
Money Mkt Deps/Tot Deposits 31.71 30.05 29.34 32.26
MMDA & Savings/Total Deposits 38.27 36.39 34.88 37.22
Retail Time Deps/Tot Deposits 20.43 19.35 19.46 19.43
Jumbo Time Deposits/ Deposits 11.50 12.07 11.51 11.31
Tot Time Deposits/Tot Deposits 31.94 31.42 30.98 30.74
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 68.06 68.58 69.02 69.26
Core Deposits/Total Deposits 88.50 87.93 88.49 88.69
Noninterest-bearing Deposits/ Deposits 13.56 14.84 16.37 15.13
Interest-bearing Deposits/ Deposits 86.44 85.16 83.63 84.87
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.