Deposit Loan Composition
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Financial Highlights
2020 FQ1 YTD
3/31/2020
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) 257,083 256,787 243,385 228,943 200,035
Gross Loans HFI Growth (2.43) 5.65 6.61 13.98 7.81
1-4 Family Loans/ Loans 16.83 14.70 17.24 17.71 19.05
Multifamily Loans/ Loans 3.11 NA NA NA NA
Commercial Real Estate Loans/ Loans 42.97 NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 46.09 50.96 44.39 41.81 41.51
Real Estate Loans/ Loans 62.92 65.66 61.64 59.52 60.57
Construction & Development Loans/ Loans 5.88 4.74 9.96 10.33 8.37
Home Equity Loans/ Loans 4.64 3.38 4.05 3.49 3.65
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 3.20 3.31 3.63 3.86 4.42
Other Consumer Loans/ Loans 1.34 1.52 1.01 1.19 1.34
Consumer Loans/ Loans 9.18 8.21 8.68 8.54 9.41
Commercial Loans/ Loans 22.02 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) 259,883 252,282 233,371 212,159 218,412
Deposit Growth 12.05 8.10 10 (2.86) 4.24
Transaction Acct Deps/Tot Deps 51.52 52.53 50.66 46.99 45.23
Savings Acct Deps/Tot Deposits 10.14 10.04 10.41 10.46 10.11
Money Mkt Deps/Tot Deposits 5.61 5.06 4.85 6.53 11.73
MMDA & Savings/Total Deposits 15.75 15.10 15.26 17 21.84
Retail Time Deps/Tot Deposits 14 14.85 5.93 6.94 6.82
Jumbo Time Deposits/ Deposits 18.73 17.52 28.15 29.07 26.11
Tot Time Deposits/Tot Deposits 32.73 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 67.27 67.63 65.92 63.98 67.07
Core Deposits/Total Deposits 81.27 82.48 71.85 70.93 73.89
Noninterest-bearing Deposits/ Deposits 13.55 11.90 11.46 11.90 11.09
Interest-bearing Deposits/ Deposits 86.45 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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