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Deposit Loan Composition

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Loan Composition (%)
Total Gross Loans($000) 700,379 710,939 626,281 572,779 523,814
Gross Loans HFI Growth (1.98) 13.52 9.34 9.35 26
1-4 Family Loans/ Loans 1.07 NA NA NA NA
Multifamily Loans/ Loans 13.37 10.96 10.06 9.71 8.94
Commercial Real Estate Loans/ Loans 50.03 46.23 43.33 46 42.81
Commercial & Multifamily Real Estate Loans/ Loans 63.40 57.19 53.39 55.70 51.74
Real Estate Loans/ Loans 64.47 NA NA NA NA
Construction & Development Loans/ Loans 7.03 7.90 7.14 2.15 8.11
Home Equity Loans/ Loans 8.23 NA NA NA NA
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0 0
Other Consumer Loans/ Loans 2.01 4.89 2.60 5.47 5.17
Consumer Loans/ Loans 10.24 NA NA NA NA
Commercial Loans/ Loans 18.19 24.78 31.57 31.50 29.37
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.24 NA NA NA NA
Unearned Income and Other Adjustments/ Loans (0.17) (0.16) (0.16) (0.15) (0.17)
Deposit Composition (%)
Total Deposits($000) 754,494 758,718 704,153 663,484 579,351
Deposit Growth (0.74) 7.75 6.13 14.52 20.27
Transaction Acct Deps/Tot Deps 55.32 57.40 58.96 53.86 49.95
Savings Acct Deps/Tot Deposits 0.47 0.52 0.58 0.46 0.47
Money Mkt Deps/Tot Deposits 37.43 37.07 33.32 38.68 42.66
MMDA & Savings/Total Deposits 37.89 37.60 33.90 39.14 43.13
Retail Time Deps/Tot Deposits 0.17 0.19 0.21 0.29 0.31
Jumbo Time Deposits/ Deposits 6.62 4.82 6.93 6.71 6.61
Tot Time Deposits/Tot Deposits 6.78 5.01 7.14 7 6.92
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 93.22 94.99 92.86 93 93.08
Core Deposits/Total Deposits 93.38 95.18 93.07 93.29 93.39
Noninterest-bearing Deposits/ Deposits 41.79 42.09 41.90 38.85 36.42
Interest-bearing Deposits/ Deposits 58.21 57.91 58.10 61.15 63.58
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.