Deposit Loan Composition

Financial Highlights
12/31/2016
3/31/2017
12/31/2017
3/31/2018
Loan Composition (%)
Total Gross Loans($000) 356,721 354,755 368,589 370,485
Gross Loans HFI Growth 8.21 (2.20) 3.33 2.06
1-4 Family Loans/ Loans 21.35 21.18 20.58 20.13
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 53.74 54.33 53.97 53.80
Real Estate Loans/ Loans 75.08 75.51 74.55 73.93
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 4.03 3.88 3.38 3.28
Commercial Loans/ Loans 20.89 20.61 22.06 22.79
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) 338,803 359,811 385,966 404,064
Deposit Growth 4.69 24.80 13.92 18.76
Transaction Acct Deps/Tot Deps NA NA NA NA
Savings Acct Deps/Tot Deposits 24.15 23.15 21.29 20.91
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits NA NA NA NA
Retail Time Deps/Tot Deposits 11.87 11.93 11.34 11.30
Jumbo Time Deposits/ Deposits 3.85 4.83 5.71 5.93
Tot Time Deposits/Tot Deposits 15.71 16.76 17.05 17.23
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 84.29 83.24 82.95 82.77
Core Deposits/Total Deposits 96.15 95.17 94.29 94.07
Noninterest-bearing Deposits/ Deposits 21.25 19.85 17.86 16.44
Interest-bearing Deposits/ Deposits 78.75 80.15 82.14 83.56
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.