DL Composition Report

Financial Highlights
12/31/2013
12/31/2014
12/31/2015
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 3,914,458 4,013,502 5,638,716 6,380,575
Gross Loans HFI Growth 38.10 2.75 35.75 14.58
1-4 Family Loans/ Loans 23.08 22.38 23.72 21.14
Multifamily Loans/ Loans 2.99 3.39 3.27 3.50
Commercial Real Estate Loans/ Loans 42.85 42 40.23 40.29
Commercial & Multifamily Real Estate Loans/ Loans 45.84 45.38 43.50 43.79
Real Estate Loans/ Loans 68.92 67.77 67.22 64.94
Construction & Development Loans/ Loans 10.34 10.20 11.19 13.14
Home Equity Loans/ Loans 6.29 7.42 7.06 7.84
Credit Card Loans/ Loans 0 0 0.06 0
Vehicle Loans/ Loans 0 0 0.52 0.42
Other Consumer Loans/ Loans 2.36 2.24 1.55 1.33
Consumer Loans/ Loans 8.65 9.66 9.19 9.60
Commercial Loans/ Loans 12.08 12.38 12.43 12.36
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans 0 (0.01) (0.02) (0.04)
Deposit Composition (%)
Total Deposits($000) 4,841,912 4,838,418 6,218,602 7,059,137
Deposit Growth 39.89 (0.07) 28.53 13.52
Transaction Acct Deps/Tot Deps 20.37 21.71 22.99 24.70
Savings Acct Deps/Tot Deposits 6.77 7.37 8.03 7.69
Money Mkt Deps/Tot Deposits 41.59 43.93 44.93 44.65
MMDA & Savings/Total Deposits 48.35 51.30 52.96 52.34
Retail Time Deps/Tot Deposits 15.28 13.27 11.99 10.48
Jumbo Time Deposits/ Deposits 15.99 13.72 12.05 12.48
Tot Time Deposits/Tot Deposits 31.27 27 24.05 22.96
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 68.73 73 75.95 77.04
Core Deposits/Total Deposits 84.01 86.28 87.95 87.52
Noninterest-bearing Deposits/ Deposits 17.68 19.01 20.56 22.12
Interest-bearing Deposits/ Deposits 82.32 80.99 79.44 77.88
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.