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) 243,880 245,773 248,127 246,481 235,273
Gross Loans HFI Growth (2.44) (1.32) 1.80 3.69 6.69
1-4 Family Loans/ Loans 24.10 24.71 25.72 25.40 27.74
Multifamily Loans/ Loans 6.65 6.69 NA NA NA
Commercial Real Estate Loans/ Loans 20.40 18.80 NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 27.05 25.48 24.08 23.60 21.31
Real Estate Loans/ Loans 51.15 50.19 49.80 49 49.05
Construction & Development Loans/ Loans 0.50 2.22 1.25 0.86 2.94
Home Equity Loans/ Loans 3.40 3.29 2.81 2.71 2.43
Credit Card Loans/ Loans 0.21 0.20 0.20 0.11 0
Vehicle Loans/ Loans 39.06 38.80 40.43 42.27 40.13
Other Consumer Loans/ Loans 0.22 0.21 0.38 0.35 0.33
Consumer Loans/ Loans 42.90 42.50 43.82 45.43 42.89
Commercial Loans/ Loans 5.47 5.09 5.17 4.75 5.17
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.02 0.03 0 0 0
Unearned Income and Other Adjustments/ Loans (0.04) (0.04) (0.04) (0.05) (0.05)
Deposit Composition (%)
Total Deposits($000) 210,930 203,874 217,914 226,981 224,898
Deposit Growth 13.84 (6.44) (3.99) 0.93 4.47
Transaction Acct Deps/Tot Deps 26.06 NA 25.97 25.33 24.93
Savings Acct Deps/Tot Deposits 13.53 NA 11.23 9.47 9.63
Money Mkt Deps/Tot Deposits 11 NA 14.02 18.10 17.21
MMDA & Savings/Total Deposits 24.53 NA 25.25 27.56 26.83
Retail Time Deps/Tot Deposits 19.12 19.91 20.03 18.60 18.52
Jumbo Time Deposits/ Deposits 30.29 26.42 28.75 28.51 29.71
Tot Time Deposits/Tot Deposits 49.40 46.33 48.77 47.10 48.23
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 50.60 53.67 51.23 52.90 51.77
Core Deposits/Total Deposits 69.71 73.58 71.25 71.49 70.29
Noninterest-bearing Deposits/ Deposits 12.87 NA 12 10.86 9.85
Interest-bearing Deposits/ Deposits 87.13 NA 88 89.14 90.15
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.