Deposit Loan Composition
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Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Loan Composition (%)
Total Gross Loans($000) 255,216 243,385 228,943 200,035 185,436
Gross Loans HFI Growth 6.34 6.61 13.98 7.81 7.73
1-4 Family Loans/ Loans 18.96 17.24 17.71 19.05 21.73
Multifamily Loans/ Loans 2.68 NA NA NA NA
Commercial Real Estate Loans/ Loans 41.64 NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 44.32 44.39 41.81 41.51 41.58
Real Estate Loans/ Loans 63.28 61.64 59.52 60.57 63.31
Construction & Development Loans/ Loans 6.27 9.96 10.33 8.37 6.99
Home Equity Loans/ Loans 5.74 4.05 3.49 3.65 3.64
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 3.55 3.63 3.86 4.42 4.73
Other Consumer Loans/ Loans 0.45 1.01 1.19 1.34 0.74
Consumer Loans/ Loans 9.74 8.68 8.54 9.41 9.11
Commercial Loans/ Loans 20.71 20.34 22.96 22.13 20.91
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA (0.62) (1.35) (0.48) (0.33)
Deposit Composition (%)
Total Deposits($000) 246,331 233,371 212,159 218,412 209,535
Deposit Growth 7.40 10 (2.86) 4.24 (1.70)
Transaction Acct Deps/Tot Deps 52.88 50.66 46.99 45.23 47.98
Savings Acct Deps/Tot Deposits 10.47 10.41 10.46 10.11 12.55
Money Mkt Deps/Tot Deposits 4.85 4.85 6.53 11.73 14.44
MMDA & Savings/Total Deposits 15.33 15.26 17 21.84 26.99
Retail Time Deps/Tot Deposits 15.77 5.93 6.94 6.82 7.42
Jumbo Time Deposits/ Deposits 16.02 28.15 29.07 26.11 17.62
Tot Time Deposits/Tot Deposits 31.80 34.08 36.02 32.93 25.04
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 68.20 65.92 63.98 67.07 74.96
Core Deposits/Total Deposits 83.98 71.85 70.93 73.89 82.38
Noninterest-bearing Deposits/ Deposits 12.82 11.46 11.90 11.09 11.10
Interest-bearing Deposits/ Deposits 87.18 88.54 88.10 88.91 88.90
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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