Deposit Loan Composition
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Financial Highlights
2020 FQ2 YTD
6/30/2020
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) 282,850 256,787 243,385 228,943 200,035
Gross Loans HFI Growth 18.42 5.65 6.61 13.98 7.81
1-4 Family Loans/ Loans 13.85 14.70 17.24 17.71 19.05
Multifamily Loans/ Loans 2.51 NA NA NA NA
Commercial Real Estate Loans/ Loans 39.35 NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 41.86 50.96 44.39 41.81 41.51
Real Estate Loans/ Loans 55.71 65.66 61.64 59.52 60.57
Construction & Development Loans/ Loans 4.30 4.74 9.96 10.33 8.37
Home Equity Loans/ Loans 3.98 3.38 4.05 3.49 3.65
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 2.74 3.31 3.63 3.86 4.42
Other Consumer Loans/ Loans 0.70 1.52 1.01 1.19 1.34
Consumer Loans/ Loans 7.42 8.21 8.68 8.54 9.41
Commercial Loans/ Loans 32.56 21.90 20.34 22.96 22.13
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA (0.51) (0.62) (1.35) (0.48)
Deposit Composition (%)
Total Deposits($000) 301,178 252,282 233,371 212,159 218,412
Deposit Growth 38.76 8.10 10 (2.86) 4.24
Transaction Acct Deps/Tot Deps 50.46 52.53 50.66 46.99 45.23
Savings Acct Deps/Tot Deposits 10.48 10.04 10.41 10.46 10.11
Money Mkt Deps/Tot Deposits 10.49 5.06 4.85 6.53 11.73
MMDA & Savings/Total Deposits 20.97 15.10 15.26 17 21.84
Retail Time Deps/Tot Deposits 12.88 14.85 5.93 6.94 6.82
Jumbo Time Deposits/ Deposits 15.69 17.52 28.15 29.07 26.11
Tot Time Deposits/Tot Deposits 28.57 32.37 34.08 36.02 32.93
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 71.43 67.63 65.92 63.98 67.07
Core Deposits/Total Deposits 84.31 82.48 71.85 70.93 73.89
Noninterest-bearing Deposits/ Deposits 15.93 11.90 11.46 11.90 11.09
Interest-bearing Deposits/ Deposits 84.07 88.10 88.54 88.10 88.91
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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