Deposit Loan Composition

Financial Highlights
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 513,689 455,125 409,851 347,931 299,552
Gross Loans HFI Growth 25.15 11.08 17.77 16.35 3.61
1-4 Family Loans/ Loans NA 16.47 17.88 20.49 23.60
Multifamily Loans/ Loans NA 2.90 1.48 0.91 1.10
Commercial Real Estate Loans/ Loans NA 28.24 30.60 34.46 36.64
Commercial & Multifamily Real Estate Loans/ Loans NA 31.14 32.08 35.37 37.73
Real Estate Loans/ Loans NA 47.61 49.97 55.85 61.34
Construction & Development Loans/ Loans NA 8.06 5.76 6.39 6.73
Home Equity Loans/ Loans NA 2.19 2.16 2.09 2.50
Credit Card Loans/ Loans NA 0.58 0.58 0.78 0.85
Vehicle Loans/ Loans NA 1.69 1.46 1.31 1.52
Other Consumer Loans/ Loans NA 2.24 2.82 2.83 3.26
Consumer Loans/ Loans NA 6.70 7.02 7.01 8.13
Commercial Loans/ Loans NA 34.40 33.74 25.40 22.12
Foreign Loans/ Loans NA 0 0 0 0
Other Loans/ Loans NA 3.23 3.52 5.34 1.68
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 771,014 619,067 573,155 537,831 505,888
Deposit Growth 49.09 8.01 6.57 6.31 6.83
Transaction Acct Deps/Tot Deps NA 59.99 60.59 59.41 59.10
Savings Acct Deps/Tot Deposits NA 10.20 10.56 10.72 10.71
Money Mkt Deps/Tot Deposits NA 7.96 8.18 7.33 6.23
MMDA & Savings/Total Deposits NA 18.16 18.74 18.05 16.94
Retail Time Deps/Tot Deposits NA NA NA NA 13.92
Jumbo Time Deposits/ Deposits NA NA NA NA 10.05
Tot Time Deposits/Tot Deposits NA 21.85 20.66 22.54 23.97
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits NA 78.15 79.34 77.46 76.03
Core Deposits/Total Deposits NA NA NA NA 89.95
Noninterest-bearing Deposits/ Deposits 51.80 43.89 45.11 42.47 43.34
Interest-bearing Deposits/ Deposits 48.20 56.11 54.89 57.53 56.66
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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