Deposit Loan Composition
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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) 255,216 243,385 228,943 200,035 185,436
Gross Loans HFI Growth 6.34 6.61 13.98 7.81 7.73
1-4 Family Loans/ Loans NA 17.24 17.71 19.05 21.73
Multifamily Loans/ Loans NA NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans NA 44.39 41.81 41.51 41.58
Real Estate Loans/ Loans NA 61.64 59.52 60.57 63.31
Construction & Development Loans/ Loans NA 9.96 10.33 8.37 6.99
Home Equity Loans/ Loans NA 4.05 3.49 3.65 3.64
Credit Card Loans/ Loans NA 0 0 0 0
Vehicle Loans/ Loans NA 3.63 3.86 4.42 4.73
Other Consumer Loans/ Loans NA 1.01 1.19 1.34 0.74
Consumer Loans/ Loans NA 8.68 8.54 9.41 9.11
Commercial Loans/ Loans NA 20.34 22.96 22.13 20.91
Foreign Loans/ Loans NA 0 0 0 0
Other Loans/ Loans NA 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA (0.62) (1.35) (0.48) (0.33)
Deposit Composition (%)
Total Deposits($000) 246,331 233,371 212,159 218,412 209,535
Deposit Growth 7.40 10 (2.86) 4.24 (1.70)
Transaction Acct Deps/Tot Deps NA 50.66 46.99 45.23 47.98
Savings Acct Deps/Tot Deposits NA 10.41 10.46 10.11 12.55
Money Mkt Deps/Tot Deposits NA 4.85 6.53 11.73 14.44
MMDA & Savings/Total Deposits NA 15.26 17 21.84 26.99
Retail Time Deps/Tot Deposits NA 5.93 6.94 6.82 7.42
Jumbo Time Deposits/ Deposits NA 28.15 29.07 26.11 17.62
Tot Time Deposits/Tot Deposits NA 34.08 36.02 32.93 25.04
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits NA 65.92 63.98 67.07 74.96
Core Deposits/Total Deposits NA 71.85 70.93 73.89 82.38
Noninterest-bearing Deposits/ Deposits 12.82 11.46 11.90 11.09 11.10
Interest-bearing Deposits/ Deposits 87.18 88.54 88.10 88.91 88.90
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.
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