Investor Relations

Deposit Loan Composition

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Loan Composition (%)
Total Gross Loans($000) 5,158,583 5,932,849 6,134,254 6,533,619
Gross Loans HFI Growth 19.56 5.27 13.58 11.66
1-4 Family Loans/ Loans 6.68 5.93 5.89 6.19
Multifamily Loans/ Loans 2.12 2.31 2.28 2.46
Commercial Real Estate Loans/ Loans 39.34 39 40.30 40.41
Commercial & Multifamily Real Estate Loans/ Loans 41.45 41.31 42.58 42.87
Real Estate Loans/ Loans 48.13 47.24 48.47 49.06
Construction & Development Loans/ Loans 6.71 8.54 8.53 8.16
Home Equity Loans/ Loans 4.08 3.88 3.64 3.32
Credit Card Loans/ Loans 0.10 0.12 0.11 0.13
Vehicle Loans/ Loans 0.05 0.04 0.05 0.05
Other Consumer Loans/ Loans 0.92 0.88 0.93 0.80
Consumer Loans/ Loans 5.14 4.92 4.73 4.31
Commercial Loans/ Loans 40.01 39.30 38.27 38.47
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) 5,361,532 5,977,387 6,085,682 6,915,708
Deposit Growth (4.34) (7.50) 7.25 13.53
Transaction Acct Deps/Tot Deps 38.49 NA 37.39 36.46
Savings Acct Deps/Tot Deposits NA NA NA 0.78
Money Mkt Deps/Tot Deposits NA NA NA 52.93
MMDA & Savings/Total Deposits 51.49 NA 52.69 53.71
Retail Time Deps/Tot Deposits 1.50 NA 1.33 1.20
Jumbo Time Deposits/ Deposits 8.52 NA 8.58 8.63
Tot Time Deposits/Tot Deposits 10.02 9.59 9.91 9.83
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 89.98 90.41 90.09 90.17
Core Deposits/Total Deposits 91.48 NA 91.42 91.37
Noninterest-bearing Deposits/ Deposits 24.11 23.55 24.34 22.52
Interest-bearing Deposits/ Deposits 75.89 76.45 75.66 77.48
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.