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Peoples State Bank

Deposit Loan Composition

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Loan Composition (%)
Total Gross Loans($000) 698,425 665,071 616,474 592,994 541,675
Gross Loans HFI Growth 6.69 7.82 4.10 9.33 1.82
1-4 Family Loans/ Loans 17.14 17.75 19.75 20.53 21.77
Multifamily Loans/ Loans NA NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 49.41 45.12 46.08 45.04 44.23
Real Estate Loans/ Loans 66.55 62.87 65.83 65.57 66
Construction & Development Loans/ Loans 9.48 10.71 8.83 8.56 9.80
Home Equity Loans/ Loans 3.27 3.72 4.13 4.16 4.26
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.23 0.19 0.17 0.19 0.20
Other Consumer Loans/ Loans 0.47 0.30 0.29 0.32 0.44
Consumer Loans/ Loans 3.97 4.21 4.58 4.67 4.89
Commercial Loans/ Loans 19.94 22.15 20.67 22.63 22.21
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.02 0.03 0.05 0 0
Unearned Income and Other Adjustments/ Loans 0.04 0.03 0.03 (1.42) (2.90)
Deposit Composition (%)
Total Deposits($000) 736,185 725,826 702,303 686,760 666,176
Deposit Growth 1.90 3.35 2.26 3.09 6.94
Transaction Acct Deps/Tot Deps NA 43.12 43.54 42.92 39.51
Savings Acct Deps/Tot Deposits NA 12.46 12.23 10.85 10.37
Money Mkt Deps/Tot Deposits 23.15 20.02 20.05 20.67 22.59
MMDA & Savings/Total Deposits NA 32.48 32.28 31.52 32.96
Retail Time Deps/Tot Deposits NA 16.09 15.81 9.59 10.20
Jumbo Time Deposits/ Deposits NA 8.30 8.37 15.96 17.33
Tot Time Deposits/Tot Deposits 22.16 24.39 24.18 25.56 27.53
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 77.84 75.61 75.82 74.44 72.47
Core Deposits/Total Deposits NA 91.70 91.63 84.04 82.67
Noninterest-bearing Deposits/ Deposits 21.72 20.47 21.62 20.85 19.01
Interest-bearing Deposits/ Deposits 78.28 79.53 78.38 79.15 80.99
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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