Investor Relations

Deposit Loan Composition

Financial Highlights
3/31/2017
12/31/2017
3/31/2018
6/30/2018
Loan Composition (%)
Total Gross Loans($000) 231,345 259,275 282,390 296,335
Gross Loans HFI Growth 5.33 12.30 35.68 18.87
1-4 Family Loans/ Loans 26.45 25.40 25.41 27.26
Multifamily Loans/ Loans 5.69 5.45 6.60 6.27
Commercial Real Estate Loans/ Loans 28.64 31.40 31.66 30.96
Commercial & Multifamily Real Estate Loans/ Loans 34.34 36.85 38.26 37.23
Real Estate Loans/ Loans 60.79 62.25 63.67 64.49
Construction & Development Loans/ Loans 9.93 10.58 10.95 11.16
Home Equity Loans/ Loans 7.16 6.57 5.97 5.81
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.16 0.11 0.12 0.11
Other Consumer Loans/ Loans 1.84 2.94 2.48 2.36
Consumer Loans/ Loans 9.17 9.63 8.57 8.28
Commercial Loans/ Loans 19.95 17.37 16.67 15.92
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans 0.17 0.17 0.14 0.14
Deposit Composition (%)
Total Deposits($000) 286,249 298,297 309,282 331,823
Deposit Growth 15.84 8.33 14.73 29.15
Transaction Acct Deps/Tot Deps 35.89 38.92 38.66 36.68
Savings Acct Deps/Tot Deposits 2.40 2.42 2.58 2.63
Money Mkt Deps/Tot Deposits 54.69 51.26 51.20 50.18
MMDA & Savings/Total Deposits 57.09 53.68 53.78 52.80
Retail Time Deps/Tot Deposits 1.55 1.40 1.45 1.94
Jumbo Time Deposits/ Deposits 5.47 6 6.11 8.58
Tot Time Deposits/Tot Deposits 7.02 7.39 7.56 10.52
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 92.98 92.61 92.44 89.48
Core Deposits/Total Deposits 94.53 94 93.89 91.42
Noninterest-bearing Deposits/ Deposits 24.19 25.55 23.84 23.07
Interest-bearing Deposits/ Deposits 75.81 74.45 76.16 76.93
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.