Deposit Loan Composition

Financial Highlights
12/31/2015
12/31/2016
3/31/2017
12/31/2017
Loan Composition (%)
Total Gross Loans($000) 83,147 104,983 105,114 126,882
Gross Loans HFI Growth 1.51 27.86 0.50 20.86
1-4 Family Loans/ Loans 23.84 23.65 23.85 18.35
Multifamily Loans/ Loans 2.82 2.65 3.43 6.80
Commercial Real Estate Loans/ Loans 48.82 44.79 45.22 52.43
Commercial & Multifamily Real Estate Loans/ Loans 51.63 47.44 48.64 59.23
Real Estate Loans/ Loans 75.47 71.10 72.50 77.57
Construction & Development Loans/ Loans 4.35 2.96 3.04 2.38
Home Equity Loans/ Loans 7.92 3.75 4.31 3.31
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0
Other Consumer Loans/ Loans 0.04 13.81 12.78 9.01
Consumer Loans/ Loans 7.96 17.55 17.09 12.32
Commercial Loans/ Loans 12.24 8.63 7.38 7.96
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0 0.24 0
Unearned Income and Other Adjustments/ Loans (0.02) (0.25) (0.24) (0.23)
Deposit Composition (%)
Total Deposits($000) 120,839 126,325 128,043 137,511
Deposit Growth 1.45 4.54 5.44 8.85
Transaction Acct Deps/Tot Deps 10.23 11.33 13.05 23.36
Savings Acct Deps/Tot Deposits NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA
MMDA & Savings/Total Deposits 35.02 33.70 33.95 33.20
Retail Time Deps/Tot Deposits NA 3.65 3.77 3.22
Jumbo Time Deposits/ Deposits NA 51.32 49.23 40.23
Tot Time Deposits/Tot Deposits 54.75 54.97 53 43.45
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 45.25 45.03 47 56.55
Core Deposits/Total Deposits NA 48.68 50.77 59.77
Noninterest-bearing Deposits/ Deposits 3.27 4.70 6.79 17.50
Interest-bearing Deposits/ Deposits 96.73 95.30 93.21 82.50
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.