Deposit Loan Composition

Financial Highlights
2019 FQ3 YTD
9/30/2019
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) 484,031 480,830 506,383 513,905 512,050
Gross Loans HFI Growth 0.90 (5.05) (1.45) 0.36 7.65
1-4 Family Loans/ Loans 12.33 13.37 13.06 13.27 13.63
Multifamily Loans/ Loans 4.09 3.99 4.26 4.36 2.82
Commercial Real Estate Loans/ Loans 44.72 46.64 47.89 48.13 47.54
Commercial & Multifamily Real Estate Loans/ Loans 48.81 50.64 52.15 52.49 50.36
Real Estate Loans/ Loans 61.15 64 65.22 65.75 63.99
Construction & Development Loans/ Loans 1.76 2.35 2.70 3.65 5.53
Home Equity Loans/ Loans 4.96 5.13 6.09 6.71 6.79
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 8.38 8.14 7.54 7.74 6.85
Other Consumer Loans/ Loans 0.82 0.91 1.05 1.32 1.55
Consumer Loans/ Loans 14.16 14.17 14.68 15.78 15.19
Commercial Loans/ Loans 20.41 19.47 17.40 14.82 15.29
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 2.53 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.01) NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 709,596 733,435 756,833 727,445 717,464
Deposit Growth (4.33) (3.09) 4.04 1.39 7.46
Transaction Acct Deps/Tot Deps 21.24 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 46.18 48.62 NA 47.32 45.19
Retail Time Deps/Tot Deposits NA 14.49 NA 19.31 21.39
Jumbo Time Deposits/ Deposits NA 12.35 NA 9.62 10.45
Tot Time Deposits/Tot Deposits 32.58 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 67.42 73.16 72.81 71.07 68.16
Core Deposits/Total Deposits NA 87.65 NA 90.38 89.55
Noninterest-bearing Deposits/ Deposits 14.02 17.96 15.25 17.37 17.07
Interest-bearing Deposits/ Deposits 85.98 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.