Deposit Loan Composition

Financial Highlights
2019 FQ3 YTD
9/30/2019
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) 448,215 409,851 347,931 299,552 288,829
Gross Loans HFI Growth 12.52 17.77 16.35 3.61 10.67
1-4 Family Loans/ Loans 16.51 17.88 20.49 23.60 22.07
Multifamily Loans/ Loans 2.22 1.48 0.91 1.10 1.51
Commercial Real Estate Loans/ Loans 28.41 30.60 34.46 36.64 38.51
Commercial & Multifamily Real Estate Loans/ Loans 30.63 32.08 35.37 37.73 40.02
Real Estate Loans/ Loans 47.14 49.97 55.85 61.34 62.09
Construction & Development Loans/ Loans 8.45 5.76 6.39 6.73 6.51
Home Equity Loans/ Loans 2.15 2.16 2.09 2.50 2.50
Credit Card Loans/ Loans 0.55 0.58 0.78 0.85 0.86
Vehicle Loans/ Loans 1.57 1.46 1.31 1.52 1.79
Other Consumer Loans/ Loans 2.34 2.82 2.83 3.26 3.42
Consumer Loans/ Loans 6.61 7.02 7.01 8.13 8.57
Commercial Loans/ Loans 34.65 33.74 25.40 22.12 21.01
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 3.15 3.52 5.34 1.68 1.82
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 611,519 573,155 537,831 505,888 473,526
Deposit Growth 8.92 6.57 6.31 6.83 8.73
Transaction Acct Deps/Tot Deps NA 60.59 59.41 59.10 57.31
Savings Acct Deps/Tot Deposits NA 10.56 10.72 10.71 9.92
Money Mkt Deps/Tot Deposits NA 8.18 7.33 6.23 5.94
MMDA & Savings/Total Deposits NA 18.74 18.05 16.94 15.86
Retail Time Deps/Tot Deposits 10.28 NA NA 13.92 15.19
Jumbo Time Deposits/ Deposits 11.79 NA NA 10.05 11.64
Tot Time Deposits/Tot Deposits 22.07 20.66 22.54 23.97 26.83
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 77.93 79.34 77.46 76.03 73.17
Core Deposits/Total Deposits 88.21 NA NA 89.95 88.36
Noninterest-bearing Deposits/ Deposits 43.53 45.11 42.47 43.34 41.25
Interest-bearing Deposits/ Deposits 56.47 54.89 57.53 56.66 58.75
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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