DL Composition Report

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Financial Highlights
Period Ended
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Loan Composition (%)
Total Gross Loans($000) 1,719,840 1,622,942 1,503,789 1,451,786 1,433,667
Gross Loans HFI Growth 6 7.73 3.51 1.38 11.84
1-4 Family Loans/ Loans 1.95 2.12 3 3.15 3.52
Multifamily Loans/ Loans 12.67 10.38 9.12 6.39 5.61
Commercial Real Estate Loans/ Loans 43.35 42.52 44.66 44.78 42.85
Commercial & Multifamily Real Estate Loans/ Loans 56.02 52.90 53.78 51.17 48.46
Real Estate Loans/ Loans 57.97 55.02 56.78 54.32 51.98
Construction & Development Loans/ Loans 9.34 12.62 11.01 10.88 11.21
Home Equity Loans/ Loans 0.41 0.52 0.48 0.58 0.58
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans NA 0.01 0.01 0 0.01
Other Consumer Loans/ Loans 1.32 1.28 1.19 1.12 1.13
Consumer Loans/ Loans 1.73 1.81 1.69 1.71 1.72
Commercial Loans/ Loans 31 30.63 30.62 33.17 35.17
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.04) (0.09) (0.10) (0.08) (0.07)
Deposit Composition (%)
Total Deposits($000) 1,530,379 1,455,299 1,394,331 1,538,855 1,577,231
Deposit Growth 5.16 4.37 (9.39) (2.43) 9.66
Transaction Acct Deps/Tot Deps 37.08 35.07 35.51 28.37 25.18
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits 44.07 35.46 36.94 40.75 38.84
Retail Time Deps/Tot Deposits NA 19.70 21.31 24 27.52
Jumbo Time Deposits/ Deposits NA 9.77 6.24 6.87 8.45
Tot Time Deposits/Tot Deposits 18.85 29.47 27.55 30.88 35.98
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 81.15 70.53 72.45 69.12 64.02
Core Deposits/Total Deposits NA 90.23 93.76 93.13 91.55
Noninterest-bearing Deposits/ Deposits 19.18 19.29 19.90 16.42 14.66
Interest-bearing Deposits/ Deposits 80.82 80.71 80.10 83.58 85.34
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.

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