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) 429,176 409,851 347,931 299,552 288,829
Gross Loans HFI Growth 9.21 17.77 16.35 3.61 10.67
1-4 Family Loans/ Loans NA 17.88 20.49 23.60 22.07
Multifamily Loans/ Loans NA 1.48 0.91 1.10 1.51
Commercial Real Estate Loans/ Loans NA 30.60 34.46 36.64 38.51
Commercial & Multifamily Real Estate Loans/ Loans NA 32.08 35.37 37.73 40.02
Real Estate Loans/ Loans NA 49.97 55.85 61.34 62.09
Construction & Development Loans/ Loans NA 5.76 6.39 6.73 6.51
Home Equity Loans/ Loans NA 2.16 2.09 2.50 2.50
Credit Card Loans/ Loans NA 0.58 0.78 0.85 0.86
Vehicle Loans/ Loans NA 1.46 1.31 1.52 1.79
Other Consumer Loans/ Loans NA 2.82 2.83 3.26 3.42
Consumer Loans/ Loans NA 7.02 7.01 8.13 8.57
Commercial Loans/ Loans NA 33.74 25.40 22.12 21.01
Foreign Loans/ Loans NA 0 0 0 0
Other Loans/ Loans NA 3.52 5.34 1.68 1.82
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 582,005 573,155 537,831 505,888 473,526
Deposit Growth 3.09 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 NA NA NA 13.92 15.19
Jumbo Time Deposits/ Deposits NA NA NA 10.05 11.64
Tot Time Deposits/Tot Deposits NA 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 NA 79.34 77.46 76.03 73.17
Core Deposits/Total Deposits NA NA NA 89.95 88.36
Noninterest-bearing Deposits/ Deposits 43.34 45.11 42.47 43.34 41.25
Interest-bearing Deposits/ Deposits 56.66 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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