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Deposit Loan Composition
Financial Highlights
3/31/2017
12/31/2017
3/31/2018
6/30/2018
Loan Composition (%)
Total Gross Loans($000) 407,827 398,672 394,565 400,870
Gross Loans HFI Growth (2.04) (3.12) (3.09) 2.50
1-4 Family Loans/ Loans 35.41 34.11 NA NA
Multifamily Loans/ Loans 0 0 NA NA
Commercial Real Estate Loans/ Loans 19.88 20 NA NA
Commercial & Multifamily Real Estate Loans/ Loans 19.88 20 NA NA
Real Estate Loans/ Loans 55.29 54.12 NA NA
Construction & Development Loans/ Loans 5.07 6.17 NA NA
Home Equity Loans/ Loans 11.92 12.38 NA NA
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 3.80 2.73 2.38 2.05
Other Consumer Loans/ Loans 3.81 2.96 NA NA
Consumer Loans/ Loans 19.53 18.07 NA NA
Commercial Loans/ Loans 16.35 18.31 NA NA
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 3.42 2.99 NA NA
Unearned Income and Other Adjustments/ Loans 0.35 0.33 NA NA
Deposit Composition (%)
Total Deposits($000) 427,041 457,400 466,600 439,416
Deposit Growth 12.84 10.55 8.05 (23.30)
Transaction Acct Deps/Tot Deps 42.86 44.02 42.29 46.14
Savings Acct Deps/Tot Deposits 15.07 13.81 13.83 15.14
Money Mkt Deps/Tot Deposits 26.25 27.62 30.78 25.14
MMDA & Savings/Total Deposits 41.32 41.43 44.61 40.28
Retail Time Deps/Tot Deposits 7.30 6.60 6.28 6.51
Jumbo Time Deposits/ Deposits 8.52 7.95 6.82 7.07
Tot Time Deposits/Tot Deposits 15.82 14.54 13.10 13.58
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 84.18 85.46 86.90 86.42
Core Deposits/Total Deposits 91.48 92.05 93.18 92.93
Noninterest-bearing Deposits/ Deposits 30.67 31.40 29.36 32.44
Interest-bearing Deposits/ Deposits 69.33 68.60 70.64 67.56
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.

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