Deposit Loan Composition

Financial Highlights
12/31/2014
12/31/2015
12/31/2016
3/31/2017
Loan Composition (%)
Total Gross Loans($000) 2,736,088 2,875,133 2,939,615 2,972,464
Gross Loans HFI Growth 4.53 5.13 2.24 4.29
1-4 Family Loans/ Loans 26.06 24.63 23.92 23.72
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 34.70 36.64 36.94 37.14
Real Estate Loans/ Loans 60.76 61.27 60.86 60.86
Construction & Development Loans/ Loans 6.74 4.86 4.25 4.23
Home Equity Loans/ Loans 3.23 3.11 3.11 3.08
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 11.54 13.57 15.14 15.40
Other Consumer Loans/ Loans 4.47 4.40 4.53 4.45
Consumer Loans/ Loans 19.24 21.09 22.78 22.93
Commercial Loans/ Loans 13.26 12.78 12.10 11.99
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 2,874,257 2,980,782 3,081,308 3,159,778
Deposit Growth 0.67 3.71 3.37 10.19
Transaction Acct Deps/Tot Deps 24.69 26.66 26.41 27.08
Savings Acct Deps/Tot Deposits 12.11 12.82 13.13 13.21
Money Mkt Deps/Tot Deposits 20.10 20.63 21.09 21.38
MMDA & Savings/Total Deposits 32.21 33.45 34.22 34.59
Retail Time Deps/Tot Deposits 21.54 19.54 18.21 19.30
Jumbo Time Deposits/ Deposits 21.57 20.36 21.16 19.02
Tot Time Deposits/Tot Deposits 43.10 39.90 39.37 38.33
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 56.90 60.10 60.63 61.67
Core Deposits/Total Deposits 78.43 79.64 78.84 80.98
Noninterest-bearing Deposits/ Deposits 23.58 25.16 24.92 25.47
Interest-bearing Deposits/ Deposits 76.42 74.84 75.08 74.53
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.