Deposit Loan Composition

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Financial Highlights
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Highlight Graph
Loan Composition (%)
Total Gross Loans($000) 720,143 672,734 664,922 585,879 572,925
Gross Loans HFI Growth 6.98 1.11 13.50 2.29 7.67
1-4 Family Loans/ Loans 20.01 21.51 21.55 22.55 20.14
Multifamily Loans/ Loans 5.83 8 8.12 7.18 9.55
Commercial Real Estate Loans/ Loans 36.53 30.72 27.43 29.06 28.50
Commercial & Multifamily Real Estate Loans/ Loans 42.36 38.72 35.55 36.23 38.04
Real Estate Loans/ Loans 62.37 60.23 57.10 58.78 58.19
Construction & Development Loans/ Loans 10.58 12.57 15.35 12.59 12.02
Home Equity Loans/ Loans 2.76 2.11 2.11 1.99 2.25
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.73 0.60 0.66 0.90 0.87
Other Consumer Loans/ Loans 0.72 0.70 0.72 0.76 0.83
Consumer Loans/ Loans 4.21 3.40 3.49 3.65 3.94
Commercial Loans/ Loans 22.23 23.02 23.32 24.22 24.93
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.62 0.77 0.74 0.76 0.93
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 705,657 672,701 698,413 629,304 562,134
Deposit Growth 4.90 (3.68) 10.98 11.95 4.77
Transaction Acct Deps/Tot Deps NA NA NA NA 45.55
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits NA NA NA NA 36.50
Retail Time Deps/Tot Deposits 8.33 7.15 6.66 7.42 7.34
Jumbo Time Deposits/ Deposits 6.72 9.46 12.97 14.31 10.61
Tot Time Deposits/Tot Deposits 15.04 16.60 19.62 21.73 17.95
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 84.96 83.40 80.38 78.27 82.05
Core Deposits/Total Deposits 93.28 90.54 87.03 85.69 89.39
Noninterest-bearing Deposits/ Deposits NA NA NA NA 20.19
Interest-bearing Deposits/ Deposits NA NA NA NA 79.81
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.