Financial Highlights
12/31/2014
12/31/2015
12/31/2016
3/31/2017
Loan Composition (%)
Total Gross Loans($000) 1,280,767 1,433,667 1,451,786 1,484,895
Gross Loans HFI Growth 30.43 11.84 1.38 8.35
1-4 Family Loans/ Loans 2.83 3.52 3.15 2.70
Multifamily Loans/ Loans 5.67 5.61 6.39 7.27
Commercial Real Estate Loans/ Loans 45.43 42.85 44.78 45.60
Commercial & Multifamily Real Estate Loans/ Loans 51.10 48.46 51.17 52.87
Real Estate Loans/ Loans 53.92 51.98 54.32 55.58
Construction & Development Loans/ Loans 9.46 11.21 10.88 9.72
Home Equity Loans/ Loans 0.61 0.58 0.58 0.56
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.01 0.01 0 0.01
Other Consumer Loans/ Loans 0.88 1.13 1.12 1.27
Consumer Loans/ Loans 1.50 1.72 1.71 1.83
Commercial Loans/ Loans 35.20 35.17 33.17 32.96
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.08) (0.07) (0.08) (0.09)
Deposit Composition (%)
Total Deposits($000) 1,438,268 1,577,231 1,538,855 1,492,714
Deposit Growth 27.30 9.66 (2.43) (11.99)
Transaction Acct Deps/Tot Deps 21.45 25.18 28.37 29.07
Savings Acct Deps/Tot Deposits NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits 40.03 38.84 40.75 41.30
Retail Time Deps/Tot Deposits 30.43 27.52 24 NA
Jumbo Time Deposits/ Deposits 8.09 8.45 6.87 NA
Tot Time Deposits/Tot Deposits 38.52 35.98 30.88 29.63
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 61.48 64.02 69.12 70.37
Core Deposits/Total Deposits 91.91 91.55 93.13 NA
Noninterest-bearing Deposits/ Deposits 14.21 14.66 16.42 15.27
Interest-bearing Deposits/ Deposits 85.79 85.34 83.58 84.73
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.