Deposit Loan Composition

Financial Highlights
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 856,029 775,563 768,243 734,609 630,819
Gross Loans HFI Growth 23.84 1.89 5.94 19.34 18.88
1-4 Family Loans/ Loans 33.91 36.69 35.89 34.36 36.35
Multifamily Loans/ Loans NA NA NA NA 2.48
Commercial Real Estate Loans/ Loans NA NA NA NA 39.37
Commercial & Multifamily Real Estate Loans/ Loans NA 47.16 40.44 43.84 41.85
Real Estate Loans/ Loans NA 83.84 76.33 78.20 78.19
Construction & Development Loans/ Loans NA 5.42 10.38 8.35 5.95
Home Equity Loans/ Loans 0.48 0.62 0.94 1.39 1.81
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0 0
Other Consumer Loans/ Loans NA 0.01 0.01 0.01 0.02
Consumer Loans/ Loans NA 0.63 0.94 1.40 1.82
Commercial Loans/ Loans NA 9.52 11.63 11.08 12.36
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 9.15 0.60 0.77 1.09 1.79
Unearned Income and Other Adjustments/ Loans NA (0.02) (0.06) (0.11) (0.11)
Deposit Composition (%)
Total Deposits($000) 750,158 750,934 716,006 699,684 612,236
Deposit Growth (0.21) 4.88 2.33 14.28 12.47
Transaction Acct Deps/Tot Deps NA 18.16 18.33 19.06 19.35
Savings Acct Deps/Tot Deposits 2.38 2.09 2.04 2.01 2.29
Money Mkt Deps/Tot Deposits NA 38.45 34.55 33.14 38.37
MMDA & Savings/Total Deposits NA 40.54 36.59 35.15 40.66
Retail Time Deps/Tot Deposits NA 16.13 15.90 15.55 3.89
Jumbo Time Deposits/ Deposits NA 25.17 29.18 30.24 36.10
Tot Time Deposits/Tot Deposits 30.42 41.30 45.08 45.79 39.99
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 69.58 58.70 54.92 54.21 60.01
Core Deposits/Total Deposits NA 74.83 70.82 69.76 63.90
Noninterest-bearing Deposits/ Deposits 25.70 14.76 15.11 15.51 16.39
Interest-bearing Deposits/ Deposits 74.30 85.24 84.89 84.49 83.61
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.