Deposit Loan Composition

Financial Highlights
2019 FY
12/31/2019
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) 832,768 776,328 700,555 648,867 565,175
Gross Loans HFI Growth 6.95 10.80 8.10 15.56 8
1-4 Family Loans/ Loans 23.40 24.78 21.66 22.11 23.46
Multifamily Loans/ Loans 4.02 5.05 5.83 5.79 7.06
Commercial Real Estate Loans/ Loans 33.16 33.18 37.40 36.19 33.50
Commercial & Multifamily Real Estate Loans/ Loans 37.18 38.23 43.23 41.98 40.56
Real Estate Loans/ Loans 60.57 63.01 64.88 64.08 64.02
Construction & Development Loans/ Loans 8.74 9.49 8.79 7.98 8.42
Home Equity Loans/ Loans 5.82 6.14 6.82 7.21 8.14
Credit Card Loans/ Loans 0.22 0.21 0.22 0.22 0.22
Vehicle Loans/ Loans 0.71 0.72 0.66 0.63 0.74
Other Consumer Loans/ Loans 0.86 1.27 0.86 0.68 0.62
Consumer Loans/ Loans 7.61 8.33 8.56 8.74 9.72
Commercial Loans/ Loans 18.30 16.46 15.75 18.12 17.27
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 4.69 2.63 1.94 1.03 0.55
Unearned Income and Other Adjustments/ Loans 0.09 0.08 0.07 0.05 0.01
Deposit Composition (%)
Total Deposits($000) 840,219 802,552 729,600 673,073 586,453
Deposit Growth 4.69 10 8.40 14.77 6.45
Transaction Acct Deps/Tot Deps 34.45 34.29 36.55 38.15 40.85
Savings Acct Deps/Tot Deposits 14.21 13.01 14.15 14.20 14.23
Money Mkt Deps/Tot Deposits 20.67 22.61 19.44 18.27 17.80
MMDA & Savings/Total Deposits 34.87 35.62 33.60 32.47 32.03
Retail Time Deps/Tot Deposits 11.24 12.81 13.47 14.28 14.91
Jumbo Time Deposits/ Deposits 19.43 17.27 16.39 15.10 12.21
Tot Time Deposits/Tot Deposits 30.68 30.09 29.85 29.38 27.12
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 69.32 69.91 70.15 70.62 72.88
Core Deposits/Total Deposits 80.57 82.73 83.61 84.90 87.79
Noninterest-bearing Deposits/ Deposits 18.85 18.02 18.58 18.60 19.29
Interest-bearing Deposits/ Deposits 81.15 81.98 81.42 81.40 80.71
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.