Deposit Loan Composition

Financial Highlights
12/31/2013
12/31/2014
12/31/2015
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 2,616,182 2,736,088 2,875,133 2,939,615
Gross Loans HFI Growth 2.54 4.53 5.13 2.24
1-4 Family Loans/ Loans 26.67 26.06 24.63 NA
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 33.36 34.70 36.64 NA
Real Estate Loans/ Loans 60.04 60.76 61.27 NA
Construction & Development Loans/ Loans 6.38 6.74 4.86 NA
Home Equity Loans/ Loans 3.25 3.23 3.11 NA
Credit Card Loans/ Loans 0 0 0 NA
Vehicle Loans/ Loans 10.99 11.54 13.57 NA
Other Consumer Loans/ Loans 4.67 4.47 4.40 NA
Consumer Loans/ Loans 18.91 19.24 21.09 NA
Commercial Loans/ Loans 14.67 13.26 12.78 NA
Foreign Loans/ Loans 0 0 0 NA
Other Loans/ Loans 0 0 0 NA
Unearned Income and Other Adjustments/ Loans 0 NA NA NA
Deposit Composition (%)
Total Deposits($000) 2,855,074 2,874,257 2,980,782 3,081,308
Deposit Growth (1.68) 0.67 3.71 3.37
Transaction Acct Deps/Tot Deps 22.85 24.69 26.66 26.41
Savings Acct Deps/Tot Deposits 11.24 12.11 12.82 NA
Money Mkt Deps/Tot Deposits 19.41 20.10 20.63 NA
MMDA & Savings/Total Deposits 30.64 32.21 33.45 34.22
Retail Time Deps/Tot Deposits 23.39 21.54 19.54 NA
Jumbo Time Deposits/ Deposits 23.12 21.57 20.36 NA
Tot Time Deposits/Tot Deposits 46.51 43.10 39.90 39.37
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 53.49 56.90 60.10 60.63
Core Deposits/Total Deposits 76.88 78.43 79.64 NA
Noninterest-bearing Deposits/ Deposits 21.76 23.58 25.16 24.92
Interest-bearing Deposits/ Deposits 78.24 76.42 74.84 75.08
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.