Deposit Loan Composition

Financial Highlights
12/31/2016
3/31/2017
12/31/2017
3/31/2018
Loan Composition (%)
Total Gross Loans($000) 513,905 502,259 506,383 491,708
Gross Loans HFI Growth 0.36 (9.03) (1.45) (11.56)
1-4 Family Loans/ Loans 13.27 13.33 13.06 13.37
Multifamily Loans/ Loans 4.36 4.25 4.26 4.34
Commercial Real Estate Loans/ Loans 48.13 48.32 47.89 46.59
Commercial & Multifamily Real Estate Loans/ Loans 52.49 52.57 52.15 50.93
Real Estate Loans/ Loans 65.75 65.91 65.22 64.30
Construction & Development Loans/ Loans 3.65 2.81 2.70 3.02
Home Equity Loans/ Loans 6.71 6.81 6.09 5.83
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 7.74 8 7.54 7.66
Other Consumer Loans/ Loans 1.32 1.25 1.05 1.04
Consumer Loans/ Loans 15.78 16.07 14.68 14.52
Commercial Loans/ Loans 14.82 14.65 17.40 16.39
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0.56 NA 1.78
Unearned Income and Other Adjustments/ Loans NA 0 NA (0.01)
Deposit Composition (%)
Total Deposits($000) 727,445 693,964 756,833 730,076
Deposit Growth 1.39 (18.41) 4.04 (14.14)
Transaction Acct Deps/Tot Deps 23.75 20.67 NA 23.09
Savings Acct Deps/Tot Deposits 9.76 NA 12.49 NA
Money Mkt Deps/Tot Deposits 37.56 NA NA NA
MMDA & Savings/Total Deposits 47.32 46.41 NA 48.50
Retail Time Deps/Tot Deposits 19.31 NA NA 16.16
Jumbo Time Deposits/ Deposits 9.62 NA NA 12.26
Tot Time Deposits/Tot Deposits 28.93 32.92 27.19 28.41
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 71.07 67.08 72.81 71.59
Core Deposits/Total Deposits 90.38 NA NA 87.74
Noninterest-bearing Deposits/ Deposits 17.37 13.29 15.25 15.03
Interest-bearing Deposits/ Deposits 82.63 86.71 84.75 84.97
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.