Deposit Loan Composition

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) 883,842 893,821 956,225 409,995 410,939
Gross Loans HFI Growth (1.44) (6.57) 133.54 (0.12) 19.60
1-4 Family Loans/ Loans NA NA NA NA 33.17
Multifamily Loans/ Loans NA NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans NA NA NA NA 43.94
Real Estate Loans/ Loans 71.38 73.99 73.61 76.49 77.11
Construction & Development Loans/ Loans 6.63 4.43 3.60 2.10 4.54
Home Equity Loans/ Loans 6.32 6.47 6.60 7.41 6
Credit Card Loans/ Loans 0 0 0.02 0 0
Vehicle Loans/ Loans 0.09 0.14 0.21 0.08 0.03
Other Consumer Loans/ Loans 0.95 1.21 1.29 1.43 1.08
Consumer Loans/ Loans 7.36 7.82 8.13 8.91 7.11
Commercial Loans/ Loans 14.63 13.76 14.66 12.50 11.24
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) 969,583 1,004,593 1,026,480 452,560 448,342
Deposit Growth (4.65) (2.13) 126.82 0.94 20.44
Transaction Acct Deps/Tot Deps NA 44.66 38.43 44.63 44.98
Savings Acct Deps/Tot Deposits NA 12.82 18.42 17.46 15.51
Money Mkt Deps/Tot Deposits NA 11.27 13.22 11.18 9.01
MMDA & Savings/Total Deposits NA 24.09 31.64 28.64 24.51
Retail Time Deps/Tot Deposits 18.71 19.70 18.78 16.17 17.67
Jumbo Time Deposits/ Deposits 10.67 11.55 11.15 10.56 12.84
Tot Time Deposits/Tot Deposits 29.38 31.25 29.93 26.73 30.51
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 70.62 68.75 70.07 73.27 69.49
Core Deposits/Total Deposits 89.33 88.45 88.85 89.44 87.16
Noninterest-bearing Deposits/ Deposits 16.63 16.18 15.19 16.34 15.64
Interest-bearing Deposits/ Deposits 83.37 83.82 84.81 83.66 84.36
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.