Deposit Loan Composition

Financial Highlights
12/31/2014
12/31/2015
12/31/2016
3/31/2017
Loan Composition (%)
Total Gross Loans($000) 315,754 329,663 356,721 354,755
Gross Loans HFI Growth 2.02 4.41 8.21 (2.20)
1-4 Family Loans/ Loans 26.56 24.72 21.35 21.18
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 50.14 49.58 53.74 54.33
Real Estate Loans/ Loans 76.70 74.31 75.08 75.51
Construction & Development Loans/ Loans NA NA NA NA
Home Equity Loans/ Loans NA NA NA NA
Credit Card Loans/ Loans NA NA NA NA
Vehicle Loans/ Loans NA NA NA NA
Other Consumer Loans/ Loans NA NA NA NA
Consumer Loans/ Loans 6.74 5.30 4.03 3.88
Commercial Loans/ Loans 16.56 20.40 20.89 20.61
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 322,681 323,622 338,803 359,811
Deposit Growth 3.88 0.29 4.69 24.80
Transaction Acct Deps/Tot Deps NA NA NA NA
Savings Acct Deps/Tot Deposits 22.10 24 24.15 23.15
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits NA NA NA NA
Retail Time Deps/Tot Deposits 15.83 13.40 11.87 11.93
Jumbo Time Deposits/ Deposits 5.18 4.40 3.85 4.83
Tot Time Deposits/Tot Deposits 21.02 17.81 15.71 16.76
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 78.98 82.19 84.29 83.24
Core Deposits/Total Deposits 94.82 95.60 96.15 95.17
Noninterest-bearing Deposits/ Deposits 21.20 21.61 21.25 19.85
Interest-bearing Deposits/ Deposits 78.80 78.39 78.75 80.15
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.