Deposit Loan Composition

Financial Highlights
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 1,618,663 1,516,938 1,489,807 1,401,479 1,272,319
Gross Loans HFI Growth 12.76 1.31 6.14 10.15 13.14
1-4 Family Loans/ Loans 14.65 15.65 14.79 14.43 14.36
Multifamily Loans/ Loans 5.32 5.73 4.64 4.41 4.28
Commercial Real Estate Loans/ Loans 37.72 41.13 38.22 41.02 43.16
Commercial & Multifamily Real Estate Loans/ Loans 43.04 46.86 42.86 45.43 47.44
Real Estate Loans/ Loans 57.69 62.50 57.65 59.86 61.80
Construction & Development Loans/ Loans 9.96 10.63 11.93 10.56 11.95
Home Equity Loans/ Loans 6.75 7.33 8 8.49 9.20
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.04 0.04 0.04 0.04 0.03
Other Consumer Loans/ Loans 0.69 0.75 0.59 0.62 0.71
Consumer Loans/ Loans 7.47 8.13 8.63 9.15 9.93
Commercial Loans/ Loans 23.20 16.83 19.17 17.63 13.80
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 1.68 1.91 2.61 2.80 2.52
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,807,642 1,590,564 1,495,280 1,384,507 1,264,177
Deposit Growth 27.30 6.37 8 9.52 15.54
Transaction Acct Deps/Tot Deps 33.18 28.18 27.40 29.24 26.34
Savings Acct Deps/Tot Deposits 5.62 5.37 5.71 6.23 6.22
Money Mkt Deps/Tot Deposits 30.88 32.31 35.81 32.32 33.69
MMDA & Savings/Total Deposits 36.50 37.69 41.52 38.55 39.90
Retail Time Deps/Tot Deposits 16.42 19.08 18.18 18.81 19.20
Jumbo Time Deposits/ Deposits 13.90 15.05 12.91 13.40 14.55
Tot Time Deposits/Tot Deposits 30.32 34.13 31.08 32.22 33.75
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 69.68 65.87 68.92 67.78 66.25
Core Deposits/Total Deposits 86.10 84.95 87.09 86.60 85.45
Noninterest-bearing Deposits/ Deposits 22.02 17.22 16.90 17.83 16.03
Interest-bearing Deposits/ Deposits 77.98 82.78 83.10 82.17 83.97
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.