Deposit Loan Composition

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Financial Highlights
2019 FY
9/30/2019
2018 FY
9/30/2018
2017 FY
9/30/2017
2016 FY
9/30/2016
2015 FY
9/30/2015
Loan Composition (%)
Total Gross Loans($000) 609,541 619,821 588,506 546,872 523,199
Gross Loans HFI Growth (1.66) 5.32 7.61 4.52 2.99
1-4 Family Loans/ Loans 56.41 49.05 50.90 51.35 52.11
Multifamily Loans/ Loans 3.80 3.29 2.19 1.95 1.50
Commercial Real Estate Loans/ Loans 25.54 31.84 29.63 27.16 24.89
Commercial & Multifamily Real Estate Loans/ Loans 29.33 35.13 31.82 29.11 26.39
Real Estate Loans/ Loans 85.75 84.18 82.72 80.47 78.49
Construction & Development Loans/ Loans 1.68 1.77 2.03 2.20 2.75
Home Equity Loans/ Loans 11.14 13.83 14.95 16.66 17.58
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0 0
Other Consumer Loans/ Loans 0.10 0.06 0.06 0.08 0.10
Consumer Loans/ Loans 11.24 13.90 15.01 16.73 17.68
Commercial Loans/ Loans 1.32 0.83 1.11 1.24 1.64
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.02 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA (0.67) (0.87) (0.64) (0.56)
Deposit Composition (%)
Total Deposits($000) 586,342 582,078 548,755 523,420 514,240
Deposit Growth 0.73 6.07 4.84 1.79 2.39
Transaction Acct Deps/Tot Deps 30.88 29.62 30.45 29.36 27.30
Savings Acct Deps/Tot Deposits NA 0.51 0.68 0.77 0.81
Money Mkt Deps/Tot Deposits NA 37.31 42.17 43.30 38.97
MMDA & Savings/Total Deposits 35.58 37.82 42.85 44.07 39.78
Retail Time Deps/Tot Deposits 22.66 22.23 20.48 21.62 26.56
Jumbo Time Deposits/ Deposits 10.88 10.32 6.22 4.95 6.36
Tot Time Deposits/Tot Deposits 33.54 32.55 26.70 26.57 32.92
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 66.46 67.45 73.30 73.43 67.08
Core Deposits/Total Deposits 89.12 89.68 93.78 95.05 93.64
Noninterest-bearing Deposits/ Deposits NA 9.54 9.49 9.31 9.77
Interest-bearing Deposits/ Deposits NA 90.46 90.51 90.69 90.23
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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