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Deposit Loan Composition

Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Loan Composition (%)
Total Gross Loans($000) 439,624 406,049 340,156 290,244 242,372
Gross Loans HFI Growth 9.25 19.61 16.52 20.89 23.95
1-4 Family Loans/ Loans 16.65 0.89 1.27 1.57 2.16
Multifamily Loans/ Loans 4.53 4.81 4.82 5.18 4.39
Commercial Real Estate Loans/ Loans 57.69 68.78 67.21 66.37 65.48
Commercial & Multifamily Real Estate Loans/ Loans 62.22 73.58 72.03 71.55 69.87
Real Estate Loans/ Loans 78.87 74.47 73.31 73.12 72.03
Construction & Development Loans/ Loans 6.24 6.10 5.47 4.24 3.35
Home Equity Loans/ Loans 4.08 4.80 6.24 6.89 8.29
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.02 0.01 0.02 0.02 0.02
Other Consumer Loans/ Loans 0.02 0.03 0.03 0.07 0.24
Consumer Loans/ Loans 4.12 4.84 6.29 6.99 8.56
Commercial Loans/ Loans 10.41 14.61 15.04 15.75 16.15
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.36 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA (0.02) (0.11) (0.09) (0.09)
Deposit Composition (%)
Total Deposits($000) 410,787 389,120 342,794 260,713 234,372
Deposit Growth 5.57 13.51 31.48 11.24 19.51
Transaction Acct Deps/Tot Deps 28.07 28.65 27.88 31.21 31.97
Savings Acct Deps/Tot Deposits 7.86 9.10 11.11 16.44 16.88
Money Mkt Deps/Tot Deposits 32.84 37.05 27.49 16.16 14.65
MMDA & Savings/Total Deposits 40.69 46.15 38.60 32.60 31.54
Retail Time Deps/Tot Deposits 10.12 9.38 9.58 7.52 5.91
Jumbo Time Deposits/ Deposits 21.12 15.82 23.93 28.67 30.59
Tot Time Deposits/Tot Deposits 31.24 25.20 33.52 36.19 36.50
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 68.76 74.80 66.48 63.81 63.50
Core Deposits/Total Deposits 78.88 84.18 76.07 71.33 69.41
Noninterest-bearing Deposits/ Deposits 20.61 21.44 20.47 21.13 21.90
Interest-bearing Deposits/ Deposits 79.39 78.56 79.53 78.87 78.10
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.
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