Deposit Loan Composition

Financial Highlights
3/31/2017
12/31/2017
3/31/2018
6/30/2018
Loan Composition (%)
Total Gross Loans($000) 322,040 347,931 362,760 391,395
Gross Loans HFI Growth 30.48 16.35 16.88 31.33
1-4 Family Loans/ Loans 21.98 20.49 19.59 18.34
Multifamily Loans/ Loans 1 0.91 0.85 0.90
Commercial Real Estate Loans/ Loans 34.03 34.46 32.09 32.04
Commercial & Multifamily Real Estate Loans/ Loans 35.03 35.37 32.94 32.94
Real Estate Loans/ Loans 57.01 55.85 52.53 51.28
Construction & Development Loans/ Loans 5.81 6.39 7.05 6.31
Home Equity Loans/ Loans 2.35 2.09 2.14 2.04
Credit Card Loans/ Loans 0.73 0.78 0.68 0.63
Vehicle Loans/ Loans 1.28 1.31 1.36 1.36
Other Consumer Loans/ Loans 2.90 2.83 2.73 2.61
Consumer Loans/ Loans 7.27 7.01 6.92 6.64
Commercial Loans/ Loans 25.43 25.40 28.33 31.13
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 4.49 5.34 5.17 4.63
Unearned Income and Other Adjustments/ Loans 0 NA NA NA
Deposit Composition (%)
Total Deposits($000) 518,600 537,831 551,992 588,767
Deposit Growth 10.05 6.31 10.53 26.65
Transaction Acct Deps/Tot Deps NA 59.41 67.35 NA
Savings Acct Deps/Tot Deposits NA 10.72 NA NA
Money Mkt Deps/Tot Deposits NA 7.33 NA NA
MMDA & Savings/Total Deposits NA 18.05 11.09 NA
Retail Time Deps/Tot Deposits 13.28 NA NA 11.07
Jumbo Time Deposits/ Deposits 9.90 NA NA 8.96
Tot Time Deposits/Tot Deposits 23.18 22.54 21.55 20.03
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 76.82 77.46 78.45 79.97
Core Deposits/Total Deposits 90.10 NA NA 91.04
Noninterest-bearing Deposits/ Deposits 41.48 42.47 44.02 45.89
Interest-bearing Deposits/ Deposits 58.52 57.53 55.98 54.11
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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