Deposit Loan Composition

Financial Highlights
3/31/2017
12/31/2017
3/31/2018
6/30/2018
Loan Composition (%)
Total Gross Loans($000) 245,461 263,973 270,150 279,940
Gross Loans HFI Growth 32.08 16.17 9.36 14.50
1-4 Family Loans/ Loans 4.63 4.45 3.53 3.37
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 30.45 28.91 28.91 28.68
Real Estate Loans/ Loans 35.08 33.36 32.44 32.05
Construction & Development Loans/ Loans 6.37 6.86 6.84 6.27
Home Equity Loans/ Loans 0.60 0.94 0.59 0.44
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0
Other Consumer Loans/ Loans 0.01 0 0.01 0.01
Consumer Loans/ Loans 0.61 0.94 0.59 0.45
Commercial Loans/ Loans 57.61 58.80 60 61.14
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0.20 0 0.01 0.01
Unearned Income and Other Adjustments/ Loans 0.13 0.04 0.13 0.09
Deposit Composition (%)
Total Deposits($000) 319,225 371,401 372,628 375,083
Deposit Growth (15.77) 11.76 1.32 2.64
Transaction Acct Deps/Tot Deps 58.94 56.83 61.43 62.65
Savings Acct Deps/Tot Deposits 11.94 9.32 9.50 8.38
Money Mkt Deps/Tot Deposits 17.83 21.71 19 18.80
MMDA & Savings/Total Deposits 29.77 31.02 28.50 27.18
Retail Time Deps/Tot Deposits 1.50 1.32 1.28 1.35
Jumbo Time Deposits/ Deposits 9.78 10.82 8.79 8.82
Tot Time Deposits/Tot Deposits 11.29 12.14 10.07 10.17
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 88.71 87.86 89.93 89.83
Core Deposits/Total Deposits 90.22 89.18 91.21 91.18
Noninterest-bearing Deposits/ Deposits 55.46 53.56 58.05 59.74
Interest-bearing Deposits/ Deposits 44.54 46.44 41.95 40.26
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.