Financial Highlights
2020 FQ3 YTD
9/30/2020
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) 805,701 644,760 606,827 568,817 516,942
Gross Loans HFI Growth 33.28 6.25 6.68 10.03 4.31
1-4 Family Loans/ Loans 26.88 28.90 31.15 33.47 38.04
Multifamily Loans/ Loans 2.68 2.24 1.31 0.72 0.69
Commercial Real Estate Loans/ Loans 40.73 46.61 44.96 43.68 41.99
Commercial & Multifamily Real Estate Loans/ Loans 43.41 48.84 46.27 44.40 42.68
Real Estate Loans/ Loans 70.29 77.74 77.42 77.87 80.72
Construction & Development Loans/ Loans 5.86 6.60 9.01 7.70 4.50
Home Equity Loans/ Loans 3.79 5.16 5.41 5.77 6.06
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans NA 0.49 0.57 0.79 0.97
Other Consumer Loans/ Loans 2.01 0.99 0.83 1 1.48
Consumer Loans/ Loans 5.80 6.64 6.80 7.56 8.51
Commercial Loans/ Loans 16.66 7.22 5.45 6.58 6.13
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 1.36 1.87 1.39 0.36 0.18
Unearned Income and Other Adjustments/ Loans 0.03 (0.07) (0.08) (0.07) (0.04)
Deposit Composition (%)
Total Deposits($000) 955,238 771,544 703,104 663,414 603,877
Deposit Growth 31.74 9.73 5.98 9.86 9.65
Transaction Acct Deps/Tot Deps 51.58 48.15 48.75 49.18 48.83
Savings Acct Deps/Tot Deposits 13.59 13.96 14.88 15.40 15.61
Money Mkt Deps/Tot Deposits 21.29 19.98 19.99 19.52 20.97
MMDA & Savings/Total Deposits 34.88 33.94 34.88 34.92 36.58
Retail Time Deps/Tot Deposits NA 4.56 5.19 5.62 6.91
Jumbo Time Deposits/ Deposits NA 13.35 11.19 10.28 7.68
Tot Time Deposits/Tot Deposits 13.54 17.91 16.38 15.90 14.59
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 86.46 82.09 83.62 84.10 85.41
Core Deposits/Total Deposits NA 86.65 88.81 89.72 92.32
Noninterest-bearing Deposits/ Deposits 39.70 34.89 35.73 35.42 34.60
Interest-bearing Deposits/ Deposits 60.30 65.11 64.27 64.58 65.40
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.

Member FDIC   


Equal Opportunity Employer.
Equal Housing Lender.
Member FDIC.

Our Mission

The mission of Bank of Clarke County is to build sustainable relationships with:

OUR CUSTOMERS, by providing resources, information and advice to meet their financial goals.

OUR EMPLOYEES, by providing a positive and rewarding work environment.

OUR COMMUNITIES, by providing support and encouraging employee volunteerism and civic service.

OUR SHAREHOLDERS, by providing sound financial performance and committing to our status as an independent community bank.

Main Branch

Bank of Clarke County
Berryville 2 East Main Street
Berryville, VA 22611
(540) 955-2510

 

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