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) 247,420 248,127 246,481 235,273 221,870
Gross Loans HFI Growth (0.44) 1.80 3.69 6.69 13.42
1-4 Family Loans/ Loans 24.56 25.72 25.40 27.74 27.69
Multifamily Loans/ Loans 6.73 NA NA NA NA
Commercial Real Estate Loans/ Loans 18.59 NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 25.32 24.08 23.60 21.31 21.67
Real Estate Loans/ Loans 49.87 49.80 49 49.05 49.36
Construction & Development Loans/ Loans 2.18 1.25 0.86 2.94 1.58
Home Equity Loans/ Loans 3.13 2.81 2.71 2.43 2.51
Credit Card Loans/ Loans 0.20 0.20 0.11 0 0
Vehicle Loans/ Loans 39.15 40.43 42.27 40.13 39.80
Other Consumer Loans/ Loans 0.35 0.38 0.35 0.33 0.41
Consumer Loans/ Loans 42.83 43.82 45.43 42.89 42.72
Commercial Loans/ Loans 5.15 5.17 4.75 5.17 6.39
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.04) (0.04) (0.05) (0.05) (0.05)
Deposit Composition (%)
Total Deposits($000) 217,882 217,914 226,981 224,898 215,278
Deposit Growth (0.02) (3.99) 0.93 4.47 5.67
Transaction Acct Deps/Tot Deps NA 25.97 25.33 24.93 23.18
Savings Acct Deps/Tot Deposits NA 11.23 9.47 9.63 8.49
Money Mkt Deps/Tot Deposits NA 14.02 18.10 17.21 17.90
MMDA & Savings/Total Deposits NA 25.25 27.56 26.83 26.39
Retail Time Deps/Tot Deposits 20.29 20.03 18.60 18.52 19.10
Jumbo Time Deposits/ Deposits 28.62 28.75 28.51 29.71 31.33
Tot Time Deposits/Tot Deposits 48.91 48.77 47.10 48.23 50.43
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 51.09 51.23 52.90 51.77 49.57
Core Deposits/Total Deposits 71.38 71.25 71.49 70.29 68.67
Noninterest-bearing Deposits/ Deposits NA 12 10.86 9.85 8.99
Interest-bearing Deposits/ Deposits NA 88 89.14 90.15 91.01
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.