Loan Composition

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Financial Highlights
3/31/2017
3/31/2018
6/30/2018
6/30/2018
Loan Composition (%)
Total Gross Loans($000) 238,244 263,093 265,369 265,369
Gross Loans HFI Growth 8.07 10.26 6.53 3.61
1-4 Family Loans/ Loans 40.17 39.71 37.42 37.42
Multifamily Loans/ Loans 0.51 1.13 NA NA
Commercial Real Estate Loans/ Loans 18.86 20.05 NA NA
Commercial & Multifamily Real Estate Loans/ Loans 19.37 21.18 33.98 33.98
Real Estate Loans/ Loans 59.54 60.89 71.40 71.40
Construction & Development Loans/ Loans 2.39 2.47 0.30 0.30
Home Equity Loans/ Loans 11.89 10.44 9.19 9.19
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 4.45 4.18 4.23 4.23
Other Consumer Loans/ Loans 1.53 1.33 1.32 1.32
Consumer Loans/ Loans 17.87 15.94 14.74 14.74
Commercial Loans/ Loans 12.29 13.07 13.52 13.52
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 7.92 7.64 0 0
Unearned Income and Other Adjustments/ Loans NA NA 0.04 0.04
Deposit Composition (%)
Total Deposits($000) 309,834 325,146 334,905 334,905
Deposit Growth 5.33 (1.50) 3.85 12.01
Transaction Acct Deps/Tot Deps NA 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 NA NA NA NA
Retail Time Deps/Tot Deposits 10.87 9.51 9.26 9.26
Jumbo Time Deposits/ Deposits 17.53 16.94 17.32 17.32
Tot Time Deposits/Tot Deposits 28.40 26.46 26.59 26.59
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 71.60 73.54 73.41 73.41
Core Deposits/Total Deposits 82.47 83.06 82.68 82.68
Noninterest-bearing Deposits/ Deposits 9.25 9.38 9.16 9.16
Interest-bearing Deposits/ Deposits 90.75 90.62 90.84 90.84
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.