Loan and Deposit Composition

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  2014 Y 2015 Y 2016 Y 2017Q1
Period Ended 12/31/2014 12/31/2015 12/31/2016 3/31/2017
   
Loan Composition (%)   
Total Gross Loans ($000) 165,164 170,106 183,124 185,573
Gross Loans HFI Growth 19.81 2.71 8.01 5.35
   
1-4 Family Loans / Loans 42.20 NA NA 41.39
Multifamily Loans / Loans NA NA NA 0.88
Commercial Real Estate Loans / Loans NA NA NA 33.52
Commercial & Multifamily Real Estate Loans / Loans 37.66 NA NA 34.40
Real Estate Loans / Loans 79.85 NA NA 75.79
Construction & Development Loans / Loans 2.19 NA NA 6.15
Home Equity Loans / Loans 5.76 5.12 4.17 3.92
Credit Card Loans / Loans 0.07 0.06 0.05 0.04
Vehicle Loans / Loans 0.38 0.34 0.27 0.28
Other Consumer Loans / Loans 0.39 0.49 0.43 0.41
Consumer Loans / Loans 6.61 6.02 4.91 4.66
Commercial Loans / Loans 11.51 13.85 14.66 15.16
Foreign Loans / Loans 0 0 0 0
Other Loans / Loans 0 0 0 0
Unearned Income and Other Adjustments / Loans (0.16) (0.14) (0.13) (1.76)
   
   
Deposit Composition (%)   
Total Deposits ($000) 270,734 268,527 293,428 294,194
Deposit Growth 69.18 (0.82) 9.27 1.04
   
Transaction Acct Deps / Tot Deps 44.25 NA NA NA
Savings Acct Deps / Tot Deposits 11.02 11.38 12.62 NA
Money Mkt Deps / Tot Deposits 16.31 NA NA NA
MMDA & Savings / Total Deposits 27.34 NA NA NA
Retail Time Deps / Tot Deposits 18.02 17.51 15.23 14.93
Jumbo Time Deposits / Deposits 10.40 9.42 8.15 7.63
Tot Time Deposits / Tot Deposits 28.41 26.93 23.38 22.57
Foreign Deposits / Total Deposits 0 0 0 0
Other Deposits / Total Deposits 0 0 0 0
   
Non-CDs / Total Deposits 71.59 73.07 76.62 77.43
Core Deposits / Total Deposits 89.60 90.58 91.85 92.37
Noninterest-bearing Deposits / Deposits 20.70 22.96 20.37 NA
Interest-bearing Deposits / Deposits 79.30 77.04 79.63 NA
   

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