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) 281,443 269,534 252,451 214,055 160,883
Gross Loans HFI Growth 5.89 6.77 17.94 33.05 19.68
1-4 Family Loans/ Loans 72.10 69.11 75.17 78.54 82.19
Multifamily Loans/ Loans 9.40 NA NA 4.02 3.59
Commercial Real Estate Loans/ Loans 8.40 NA NA 6.73 4.65
Commercial & Multifamily Real Estate Loans/ Loans 17.80 21.81 13.74 10.75 8.24
Real Estate Loans/ Loans 89.90 90.92 88.91 89.29 90.43
Construction & Development Loans/ Loans 5.17 3.87 6.28 5.48 2.67
Home Equity Loans/ Loans 4.91 5.03 4.59 5.01 6.75
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.01 0.01 0 0.01 0.02
Other Consumer Loans/ Loans 0.01 0 0.01 0.02 0.06
Consumer Loans/ Loans 4.93 5.05 4.61 5.04 6.83
Commercial Loans/ Loans 0 0 0 0 0
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA 0.16 0.21 0.19 0.07
Deposit Composition (%)
Total Deposits($000) 270,134 244,056 232,921 214,766 184,527
Deposit Growth 14.25 4.78 8.45 16.39 10.45
Transaction Acct Deps/Tot Deps NA NA NA NA NA
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits NA NA NA NA NA
Retail Time Deps/Tot Deposits 18.32 18.76 19.74 20.36 21.09
Jumbo Time Deposits/ Deposits 36.86 35.17 34.41 32.54 26.24
Tot Time Deposits/Tot Deposits 55.18 53.93 54.15 52.90 47.33
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 44.82 46.07 45.85 47.10 52.67
Core Deposits/Total Deposits 63.14 64.83 65.59 67.46 73.76
Noninterest-bearing Deposits/ Deposits NA 7.16 6.95 8.19 7.26
Interest-bearing Deposits/ Deposits NA 92.84 93.05 91.81 92.74
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.