Deposit Loan Composition

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Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Loan Composition (%)
Total Gross Loans($000) 658,755 651,066 670,783 687,347
Gross Loans HFI Growth 0.95 0.81 11.65 5.80
1-4 Family Loans/ Loans 28.77 27.99 27.99 27.59
Multifamily Loans/ Loans 6.74 7.07 6.88 6.76
Commercial Real Estate Loans/ Loans 27.74 28.20 28.49 28.66
Commercial & Multifamily Real Estate Loans/ Loans 34.48 35.27 35.37 35.43
Real Estate Loans/ Loans 63.25 63.26 63.36 63.02
Construction & Development Loans/ Loans 4.30 3.50 3.40 3.53
Home Equity Loans/ Loans 8.97 8.93 8.75 9.22
Credit Card Loans/ Loans 0.29 0.33 0.34 0.36
Vehicle Loans/ Loans 0.52 0.48 0.51 0.47
Other Consumer Loans/ Loans 1.81 1.96 2.03 2.10
Consumer Loans/ Loans 11.59 11.70 11.63 12.15
Commercial Loans/ Loans 20.85 21.50 21.59 21.31
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0.02 0.04 0.02 0.03
Unearned Income and Other Adjustments/ Loans NA NA NA (0.04)
Deposit Composition (%)
Total Deposits($000) 824,345 816,742 802,482 850,442
Deposit Growth 10.64 0.72 (6.98) 4.31
Transaction Acct Deps/Tot Deps NA NA NA NA
Savings Acct Deps/Tot Deposits NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits NA NA NA NA
Retail Time Deps/Tot Deposits NA NA 8.19 9.67
Jumbo Time Deposits/ Deposits NA NA 11.64 12.91
Tot Time Deposits/Tot Deposits 25.52 21.41 19.82 22.58
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 74.48 78.59 80.18 77.42
Core Deposits/Total Deposits NA NA 88.36 87.09
Noninterest-bearing Deposits/ Deposits 26.49 28.25 29.66 27.21
Interest-bearing Deposits/ Deposits 73.51 71.75 70.34 72.79
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.