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D/L Composition

  2013 Y 2014 Y 2015 Y 2016 Y
Period Ended 12/31/2013 12/31/2014 12/31/2015 12/31/2016
   
Loan Composition (%)   
Total Gross Loans ($000) 2,084,359 2,405,575 2,699,205 2,934,105
Gross Loans HFI Growth 8.20 15.41 12.21 8.70
   
1-4 Family Loans / Loans 9.19 9.01 8.97 9.35
Multifamily Loans / Loans 1.47 1.79 1.85 1.50
Commercial Real Estate Loans / Loans 38.17 36.77 34.48 35.98
Commercial & Multifamily Real Estate Loans / Loans 39.64 38.56 36.33 37.48
Real Estate Loans / Loans 48.84 47.57 45.30 46.83
Construction & Development Loans / Loans 9.00 8.76 9.63 7.99
Home Equity Loans / Loans 3.13 2.56 2.36 2.08
Credit Card Loans / Loans 0 0 0 0
Vehicle Loans / Loans 0.03 0.02 0.01 0.01
Other Consumer Loans / Loans 0.38 0.54 0.89 0.81
Consumer Loans / Loans 3.54 3.12 3.26 2.91
Commercial Loans / Loans 28.38 28.26 29.05 23.41
Foreign Loans / Loans 0 0 0 0
Other Loans / Loans 10.35 12.34 12.77 18.89
Unearned Income and Other Adjustments / Loans (0.10) (0.06) (0.01) (0.03)
   
   
Deposit Composition (%)   
Total Deposits ($000) 2,279,037 2,492,291 2,741,712 3,029,783
Deposit Growth 7.03 9.36 10.01 10.51
   
Transaction Acct Deps / Tot Deps 63.57 64.38 64.41 65.90
Savings Acct Deps / Tot Deposits 0.56 0.61 0.66 0.65
Money Mkt Deps / Tot Deposits 25.11 26.54 29.35 28.45
MMDA & Savings / Total Deposits 25.67 27.15 30.01 29.09
Retail Time Deps / Tot Deposits 1.36 1.09 0.82 0.77
Jumbo Time Deposits / Deposits 9.41 7.37 4.76 4.24
Tot Time Deposits / Tot Deposits 10.76 8.47 5.58 5.01
Foreign Deposits / Total Deposits 0 0 0 0
Other Deposits / Total Deposits 0 0 0 0
   
Non-CDs / Total Deposits 89.24 91.53 94.42 94.99
Core Deposits / Total Deposits 90.59 92.63 95.24 95.76
Noninterest-bearing Deposits / Deposits 42.20 43.06 43.05 42.33
Interest-bearing Deposits / Deposits 57.80 56.94 56.95 57.67
   

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