Deposit Loan Composition
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Financial Highlights
3/31/2017
12/31/2017
3/31/2018
6/30/2018
Loan Composition (%)
Total Gross Loans($000) 206,129 228,943 230,594 231,440
Gross Loans HFI Growth 11.84 13.98 4.19 0.81
1-4 Family Loans/ Loans 21.53 17.71 21.20 20.77
Multifamily Loans/ Loans 0.90 NA 1.67 1.72
Commercial Real Estate Loans/ Loans 43.32 NA 43.90 42.83
Commercial & Multifamily Real Estate Loans/ Loans 44.22 41.81 45.57 44.56
Real Estate Loans/ Loans 65.75 59.52 66.76 65.33
Construction & Development Loans/ Loans 2.38 10.33 3.03 3.76
Home Equity Loans/ Loans 4.96 3.49 5.13 5.55
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 4.32 3.86 3.74 3.74
Other Consumer Loans/ Loans 0.71 1.19 0.57 0.59
Consumer Loans/ Loans 10 8.54 9.44 9.88
Commercial Loans/ Loans 21.86 22.96 20.76 21.04
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA (1.35) 0 0
Deposit Composition (%)
Total Deposits($000) 223,975 212,159 225,997 223,772
Deposit Growth 10.19 (2.86) 26.09 (3.94)
Transaction Acct Deps/Tot Deps 45.47 46.99 NA 47.83
Savings Acct Deps/Tot Deposits 9.79 10.46 NA 10.60
Money Mkt Deps/Tot Deposits 11.23 6.53 NA 6.10
MMDA & Savings/Total Deposits 21.02 17 NA 16.70
Retail Time Deps/Tot Deposits 6.61 6.94 6.35 18.26
Jumbo Time Deposits/ Deposits 26.90 29.07 29.57 17.20
Tot Time Deposits/Tot Deposits 33.51 36.02 35.92 35.46
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 66.49 63.98 64.08 64.54
Core Deposits/Total Deposits 73.10 70.93 70.43 82.80
Noninterest-bearing Deposits/ Deposits 12.47 11.90 12.79 12.42
Interest-bearing Deposits/ Deposits 87.53 88.10 87.21 87.58
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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