Deposit Loan Composition

Financial Highlights
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Loan Composition (%)
Total Gross Loans($000) 500,768 480,830 506,383 513,905 512,050
Gross Loans HFI Growth 4.12 (5.05) (1.45) 0.36 7.65
1-4 Family Loans/ Loans 11.88 13.37 13.06 13.27 13.63
Multifamily Loans/ Loans 3.89 3.99 4.26 4.36 2.82
Commercial Real Estate Loans/ Loans 46.41 46.64 47.89 48.13 47.54
Commercial & Multifamily Real Estate Loans/ Loans 50.30 50.64 52.15 52.49 50.36
Real Estate Loans/ Loans 62.19 64 65.22 65.75 63.99
Construction & Development Loans/ Loans 1.54 2.35 2.70 3.65 5.53
Home Equity Loans/ Loans 4.64 5.13 6.09 6.71 6.79
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 8.02 8.14 7.54 7.74 6.85
Other Consumer Loans/ Loans 0.73 0.91 1.05 1.32 1.55
Consumer Loans/ Loans 13.39 14.17 14.68 15.78 15.19
Commercial Loans/ Loans 20.48 19.47 17.40 14.82 15.29
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 2.42 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.02) NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 727,656 733,435 756,833 727,445 717,464
Deposit Growth (0.79) (3.09) 4.04 1.39 7.46
Transaction Acct Deps/Tot Deps 27.12 24.54 NA 23.75 22.97
Savings Acct Deps/Tot Deposits NA 15.30 12.49 9.76 9.01
Money Mkt Deps/Tot Deposits NA 33.32 NA 37.56 36.18
MMDA & Savings/Total Deposits 44.97 48.62 NA 47.32 45.19
Retail Time Deps/Tot Deposits 13.40 14.49 NA 19.31 21.39
Jumbo Time Deposits/ Deposits 14.50 12.35 NA 9.62 10.45
Tot Time Deposits/Tot Deposits 27.90 26.84 27.19 28.93 31.84
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 72.10 73.16 72.81 71.07 68.16
Core Deposits/Total Deposits 85.50 87.65 NA 90.38 89.55
Noninterest-bearing Deposits/ Deposits 18.07 17.96 15.25 17.37 17.07
Interest-bearing Deposits/ Deposits 81.93 82.04 84.75 82.63 82.93
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.