Deposit Loan Composition

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 491,027 500,768 480,830 506,383 513,905
Gross Loans HFI Growth (7.69) 4.12 (5.05) (1.45) 0.36
1-4 Family Loans/ Loans 12.21 11.85 13.37 13.06 13.27
Multifamily Loans/ Loans 3.91 3.89 3.99 4.26 4.36
Commercial Real Estate Loans/ Loans 47.09 46.42 46.64 47.89 48.13
Commercial & Multifamily Real Estate Loans/ Loans 51 50.31 50.64 52.15 52.49
Real Estate Loans/ Loans 63.21 62.17 64 65.22 65.75
Construction & Development Loans/ Loans 1.60 1.54 2.35 2.70 3.65
Home Equity Loans/ Loans 4.15 4.64 5.13 6.09 6.71
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 7.92 8.02 8.14 7.54 7.74
Other Consumer Loans/ Loans 0.73 0.72 0.91 1.05 1.32
Consumer Loans/ Loans 12.80 13.39 14.17 14.68 15.78
Commercial Loans/ Loans 19.96 22.90 19.47 17.40 14.82
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 2.45 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.02) NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 724,901 727,656 733,435 756,833 727,445
Deposit Growth (1.51) (0.79) (3.09) 4.04 1.39
Transaction Acct Deps/Tot Deps 24.82 27.12 24.54 NA 23.75
Savings Acct Deps/Tot Deposits NA 12.22 15.30 12.49 9.76
Money Mkt Deps/Tot Deposits NA 32.75 33.32 NA 37.56
MMDA & Savings/Total Deposits 46.24 44.97 48.62 NA 47.32
Retail Time Deps/Tot Deposits NA NA 14.49 NA 19.31
Jumbo Time Deposits/ Deposits NA NA 12.35 NA 9.62
Tot Time Deposits/Tot Deposits 28.94 27.91 26.84 27.19 28.93
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 71.06 72.09 73.16 72.81 71.07
Core Deposits/Total Deposits NA NA 87.65 NA 90.38
Noninterest-bearing Deposits/ Deposits 16.94 18.07 17.96 15.25 17.37
Interest-bearing Deposits/ Deposits 83.06 81.93 82.04 84.75 82.63
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.