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Deposit Loan Composition

Financial Highlights
2019 FQ2 YTD
6/30/2019
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) 698,073 710,939 626,281 572,779 523,814
Gross Loans HFI Growth (3.62) 13.52 9.34 9.35 26
1-4 Family Loans/ Loans NA NA NA NA NA
Multifamily Loans/ Loans 11.68 10.96 10.06 9.71 8.94
Commercial Real Estate Loans/ Loans 47.38 46.23 43.33 46 42.81
Commercial & Multifamily Real Estate Loans/ Loans 59.06 57.19 53.39 55.70 51.74
Real Estate Loans/ Loans NA NA NA NA NA
Construction & Development Loans/ Loans 5.93 7.90 7.14 2.15 8.11
Home Equity Loans/ Loans NA 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 2.97 4.89 2.60 5.47 5.17
Consumer Loans/ Loans NA NA NA NA NA
Commercial Loans/ Loans 27.31 24.78 31.57 31.50 29.37
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans NA NA NA NA NA
Unearned Income and Other Adjustments/ Loans (0.14) (0.16) (0.16) (0.15) (0.17)
Deposit Composition (%)
Total Deposits($000) 722,360 758,718 704,153 663,484 579,351
Deposit Growth (9.58) 7.75 6.13 14.52 20.27
Transaction Acct Deps/Tot Deps 55.66 57.40 58.96 53.86 49.95
Savings Acct Deps/Tot Deposits 0.46 0.52 0.58 0.46 0.47
Money Mkt Deps/Tot Deposits 36.70 37.07 33.32 38.68 42.66
MMDA & Savings/Total Deposits 37.16 37.60 33.90 39.14 43.13
Retail Time Deps/Tot Deposits 0.19 0.19 0.21 0.29 0.31
Jumbo Time Deposits/ Deposits 7 4.82 6.93 6.71 6.61
Tot Time Deposits/Tot Deposits 7.19 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 92.81 94.99 92.86 93 93.08
Core Deposits/Total Deposits 93 95.18 93.07 93.29 93.39
Noninterest-bearing Deposits/ Deposits 42.59 42.09 41.90 38.85 36.42
Interest-bearing Deposits/ Deposits 57.41 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.