Deposit Loan Composition

Financial Highlights
12/31/2014
12/31/2015
12/31/2016
3/31/2017
Loan Composition (%)
Total Gross Loans($000) 475,621 512,050 513,905 502,259
Gross Loans HFI Growth 7.47 7.65 0.36 (9.03)
1-4 Family Loans/ Loans 13.48 13.63 13.27 13.33
Multifamily Loans/ Loans 2.19 2.82 4.36 4.25
Commercial Real Estate Loans/ Loans 45.82 47.54 48.13 48.32
Commercial & Multifamily Real Estate Loans/ Loans 48.02 50.36 52.49 52.57
Real Estate Loans/ Loans 61.50 63.99 65.75 65.91
Construction & Development Loans/ Loans 5.42 5.53 3.65 2.81
Home Equity Loans/ Loans 7 6.79 6.71 6.81
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 6.12 6.85 7.74 8
Other Consumer Loans/ Loans 1.90 1.55 1.32 1.25
Consumer Loans/ Loans 15.02 15.19 15.78 16.07
Commercial Loans/ Loans 18.05 15.29 14.82 14.65
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0.03 0 0 0.56
Unearned Income and Other Adjustments/ Loans (0.01) NA NA 0
Deposit Composition (%)
Total Deposits($000) 667,668 717,464 727,445 693,964
Deposit Growth 6.35 7.46 1.39 (18.41)
Transaction Acct Deps/Tot Deps 20.45 22.97 23.75 20.67
Savings Acct Deps/Tot Deposits 8.46 9.01 9.76 NA
Money Mkt Deps/Tot Deposits 37.82 36.18 37.56 NA
MMDA & Savings/Total Deposits 46.29 45.19 47.32 46.41
Retail Time Deps/Tot Deposits 23.16 21.39 19.31 NA
Jumbo Time Deposits/ Deposits 10.10 10.45 9.62 NA
Tot Time Deposits/Tot Deposits 33.26 31.84 28.93 32.92
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 66.74 68.16 71.07 67.08
Core Deposits/Total Deposits 89.90 89.55 90.38 NA
Noninterest-bearing Deposits/ Deposits 15.35 17.07 17.37 13.29
Interest-bearing Deposits/ Deposits 84.65 82.93 82.63 86.71
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.