Deposit Loan Composition

Financial Highlights
12/31/2015
12/31/2016
3/31/2017
12/31/2017
Loan Composition (%)
Total Gross Loans($000) 512,050 513,905 502,259 506,383
Gross Loans HFI Growth 7.65 0.36 (9.03) (1.45)
1-4 Family Loans/ Loans 13.63 13.27 13.33 13.06
Multifamily Loans/ Loans 2.82 4.36 4.25 4.26
Commercial Real Estate Loans/ Loans 47.54 48.13 48.32 47.89
Commercial & Multifamily Real Estate Loans/ Loans 50.36 52.49 52.57 52.15
Real Estate Loans/ Loans 63.99 65.75 65.91 65.22
Construction & Development Loans/ Loans 5.53 3.65 2.81 2.70
Home Equity Loans/ Loans 6.79 6.71 6.81 6.09
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 6.85 7.74 8 7.54
Other Consumer Loans/ Loans 1.55 1.32 1.25 1.05
Consumer Loans/ Loans 15.19 15.78 16.07 14.68
Commercial Loans/ Loans 15.29 14.82 14.65 17.40
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0.56 NA
Unearned Income and Other Adjustments/ Loans NA NA 0 NA
Deposit Composition (%)
Total Deposits($000) 717,464 727,445 693,964 756,833
Deposit Growth 7.46 1.39 (18.41) 4.04
Transaction Acct Deps/Tot Deps 22.97 23.75 20.67 NA
Savings Acct Deps/Tot Deposits 9.01 9.76 NA 12.49
Money Mkt Deps/Tot Deposits 36.18 37.56 NA NA
MMDA & Savings/Total Deposits 45.19 47.32 46.41 NA
Retail Time Deps/Tot Deposits 21.39 19.31 NA NA
Jumbo Time Deposits/ Deposits 10.45 9.62 NA NA
Tot Time Deposits/Tot Deposits 31.84 28.93 32.92 27.19
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 68.16 71.07 67.08 72.81
Core Deposits/Total Deposits 89.55 90.38 NA NA
Noninterest-bearing Deposits/ Deposits 17.07 17.37 13.29 15.25
Interest-bearing Deposits/ Deposits 82.93 82.63 86.71 84.75
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.