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Deposit Loan Composition

Financial Highlights
2019 FQ2 YTD
6/30/2019
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) 1,060,787 1,032,136 986,351 888,263 809,780
Gross Loans HFI Growth 5.46 4.63 11.04 9.98 11.02
1-4 Family Loans/ Loans 23.75 24.27 27.10 28.65 30.62
Multifamily Loans/ Loans 5.42 5.79 6.01 4.43 5.65
Commercial Real Estate Loans/ Loans 37.74 37.70 37.95 39.14 40.24
Commercial & Multifamily Real Estate Loans/ Loans 43.16 43.49 43.96 43.57 45.90
Real Estate Loans/ Loans 66.91 67.77 71.07 72.22 76.51
Construction & Development Loans/ Loans 13.03 11.80 11.09 11.29 8.63
Home Equity Loans/ Loans 0.80 0.82 1.07 1.17 1.39
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.80 0.89 0.20 0.20 0.16
Other Consumer Loans/ Loans 0.30 0.27 0.32 0.43 0.45
Consumer Loans/ Loans 1.89 1.99 1.59 1.80 2
Commercial Loans/ Loans 18.02 18.29 16.12 14.56 12.69
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.15 0.16 0.12 0.14 0.17
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,216,208 1,164,975 1,095,764 1,037,294 945,519
Deposit Growth 8.80 6.32 5.64 9.71 2.89
Transaction Acct Deps/Tot Deps 28.25 28.42 28.30 25.66 23.79
Savings Acct Deps/Tot Deposits 7.77 7.98 8.58 8.71 8.89
Money Mkt Deps/Tot Deposits 10.75 10.90 13.08 10.73 11.51
MMDA & Savings/Total Deposits 18.52 18.87 21.66 19.44 20.40
Retail Time Deps/Tot Deposits 23.09 22.72 21.55 22.28 23.56
Jumbo Time Deposits/ Deposits 30.14 29.99 28.50 32.61 32.25
Tot Time Deposits/Tot Deposits 53.23 52.71 50.04 54.89 55.81
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 46.77 47.29 49.96 45.11 44.19
Core Deposits/Total Deposits 69.86 70.01 71.50 67.39 67.75
Noninterest-bearing Deposits/ Deposits 14.83 14.17 13.97 12.43 10.18
Interest-bearing Deposits/ Deposits 85.17 85.83 86.03 87.57 89.82
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