Financial Highlights
12/31/2013
12/31/2014
12/31/2015
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 980,951 1,280,767 1,433,667 1,451,786
Gross Loans HFI Growth 7.57 30.43 11.84 1.38
1-4 Family Loans/ Loans 3.14 2.83 3.52 3.15
Multifamily Loans/ Loans 6.40 5.67 5.61 6.39
Commercial Real Estate Loans/ Loans 49.22 45.43 42.85 44.78
Commercial & Multifamily Real Estate Loans/ Loans 55.62 51.10 48.46 51.17
Real Estate Loans/ Loans 58.76 53.92 51.98 54.32
Construction & Development Loans/ Loans 7 9.46 11.21 10.88
Home Equity Loans/ Loans 0.54 0.61 0.58 0.58
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.01 0.01 0.01 0
Other Consumer Loans/ Loans 1.21 0.88 1.13 1.12
Consumer Loans/ Loans 1.76 1.50 1.72 1.71
Commercial Loans/ Loans 32.58 35.20 35.17 33.17
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.10) (0.08) (0.07) (0.08)
Deposit Composition (%)
Total Deposits($000) 1,129,855 1,438,268 1,577,231 1,538,855
Deposit Growth 3.44 27.30 9.66 (2.43)
Transaction Acct Deps/Tot Deps 20.20 21.45 25.18 28.37
Savings Acct Deps/Tot Deposits NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits 40.36 40.03 38.84 40.75
Retail Time Deps/Tot Deposits 37.38 30.43 27.52 24
Jumbo Time Deposits/ Deposits 2.05 8.09 8.45 6.87
Tot Time Deposits/Tot Deposits 39.43 38.52 35.98 30.88
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 60.57 61.48 64.02 69.12
Core Deposits/Total Deposits 97.95 91.91 91.55 93.13
Noninterest-bearing Deposits/ Deposits 13.39 14.21 14.66 16.42
Interest-bearing Deposits/ Deposits 86.61 85.79 85.34 83.58
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.