Deposit Loan Composition

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) 887,721 852,190 893,821 956,225 409,995
Gross Loans HFI Growth 16.59 (4.60) (6.57) 133.54 (0.12)
1-4 Family Loans/ Loans 17.48 17.88 18.28 18.57 24.56
Multifamily Loans/ Loans 6.42 6.60 7.31 6.07 NA
Commercial Real Estate Loans/ Loans 47.29 46.90 48.40 48.98 NA
Commercial & Multifamily Real Estate Loans/ Loans 53.70 53.50 55.71 55.05 51.92
Real Estate Loans/ Loans 71.19 71.38 73.99 73.61 76.49
Construction & Development Loans/ Loans 8.18 7.26 4.43 3.60 2.10
Home Equity Loans/ Loans 6.15 6.46 6.47 6.60 7.41
Credit Card Loans/ Loans 0 0 0 0.02 0
Vehicle Loans/ Loans 0.07 0.08 0.14 0.21 0.08
Other Consumer Loans/ Loans 0.77 0.90 1.21 1.29 1.43
Consumer Loans/ Loans 6.99 7.44 7.82 8.13 8.91
Commercial Loans/ Loans 13.65 13.93 13.76 14.66 12.50
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 958,503 940,480 1,004,593 1,026,480 452,560
Deposit Growth 7.67 (6.38) (2.13) 126.82 0.94
Transaction Acct Deps/Tot Deps NA 44.79 44.66 38.43 44.63
Savings Acct Deps/Tot Deposits NA 14.05 12.82 18.42 17.46
Money Mkt Deps/Tot Deposits NA 10.78 11.27 13.22 11.18
MMDA & Savings/Total Deposits NA 24.83 24.09 31.64 28.64
Retail Time Deps/Tot Deposits 18.66 18.93 19.70 18.78 16.17
Jumbo Time Deposits/ Deposits 11.78 11.45 11.55 11.15 10.56
Tot Time Deposits/Tot Deposits 30.44 30.38 31.25 29.93 26.73
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 69.56 69.62 68.75 70.07 73.27
Core Deposits/Total Deposits 88.22 88.55 88.45 88.85 89.44
Noninterest-bearing Deposits/ Deposits 15.51 15.67 16.18 15.19 16.34
Interest-bearing Deposits/ Deposits 84.49 84.33 83.82 84.81 83.66
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.