Deposit Loan Composition

Financial Highlights
3/31/2017
12/31/2017
3/31/2018
6/30/2018
Loan Composition (%)
Total Gross Loans($000) 502,259 506,383 491,708 506,574
Gross Loans HFI Growth (9.03) (1.45) (11.56) 11.96
1-4 Family Loans/ Loans 13.33 13.06 13.37 13.33
Multifamily Loans/ Loans 4.25 4.26 4.34 4.18
Commercial Real Estate Loans/ Loans 48.32 47.89 46.59 46.88
Commercial & Multifamily Real Estate Loans/ Loans 52.57 52.15 50.93 51.06
Real Estate Loans/ Loans 65.91 65.22 64.30 64.39
Construction & Development Loans/ Loans 2.81 2.70 3.02 2.89
Home Equity Loans/ Loans 6.81 6.09 5.83 5.20
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 8 7.54 7.66 7.66
Other Consumer Loans/ Loans 1.25 1.05 1.04 0.97
Consumer Loans/ Loans 16.07 14.68 14.52 13.83
Commercial Loans/ Loans 14.65 17.40 16.39 17.19
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0.56 NA 1.78 1.70
Unearned Income and Other Adjustments/ Loans 0 NA (0.01) (0.01)
Deposit Composition (%)
Total Deposits($000) 693,964 756,833 730,076 734,765
Deposit Growth (18.41) 4.04 (14.14) 2.57
Transaction Acct Deps/Tot Deps 20.67 NA 23.09 20.57
Savings Acct Deps/Tot Deposits NA 12.49 NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits 46.41 NA 48.50 51.86
Retail Time Deps/Tot Deposits NA NA 16.16 NA
Jumbo Time Deposits/ Deposits NA NA 12.26 NA
Tot Time Deposits/Tot Deposits 32.92 27.19 28.41 27.56
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 67.08 72.81 71.59 72.44
Core Deposits/Total Deposits NA NA 87.74 NA
Noninterest-bearing Deposits/ Deposits 13.29 15.25 15.03 14.02
Interest-bearing Deposits/ Deposits 86.71 84.75 84.97 85.98
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.