Financial Highlights
12/31/2014
12/31/2015
12/31/2016
3/31/2017
Loan Composition (%)
Total Gross Loans($000) 304,474 319,366 326,812 321,879
Gross Loans HFI Growth 0.70 4.89 2.33 (6.04)
1-4 Family Loans/ Loans 41.18 NA NA NA
Multifamily Loans/ Loans 0.87 NA NA NA
Commercial Real Estate Loans/ Loans 33.73 NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 34.59 NA NA NA
Real Estate Loans/ Loans 75.78 NA NA NA
Construction & Development Loans/ Loans 5.83 NA NA NA
Home Equity Loans/ Loans 4.25 NA NA NA
Credit Card Loans/ Loans 0 NA NA NA
Vehicle Loans/ Loans 1.70 NA NA NA
Other Consumer Loans/ Loans 5.15 NA NA NA
Consumer Loans/ Loans 11.10 NA NA NA
Commercial Loans/ Loans 5.81 NA NA NA
Foreign Loans/ Loans 0 NA NA NA
Other Loans/ Loans 1.48 NA NA NA
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 329,233 335,813 337,099 337,512
Deposit Growth 0.45 2 0.38 0.49
Transaction Acct Deps/Tot Deps 31.61 NA NA NA
Savings Acct Deps/Tot Deposits NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits 19.60 NA NA NA
Retail Time Deps/Tot Deposits 32.10 29.48 27.50 27.02
Jumbo Time Deposits/ Deposits 16.69 17.90 16.84 16.70
Tot Time Deposits/Tot Deposits 48.79 47.39 44.34 43.72
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 51.21 52.61 55.66 56.28
Core Deposits/Total Deposits 83.31 82.10 83.16 83.30
Noninterest-bearing Deposits/ Deposits 21.74 22.46 23.90 24.35
Interest-bearing Deposits/ Deposits 78.26 77.54 76.10 75.65
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.