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Peoples State Bank

Deposit Loan Composition

Financial Highlights
12/31/2016
3/31/2017
12/31/2017
3/31/2018
Loan Composition (%)
Total Gross Loans($000) 592,994 609,570 616,474 613,307
Gross Loans HFI Growth 9.33 11.45 4.10 (2.16)
1-4 Family Loans/ Loans 20.53 25.15 19.75 24.26
Multifamily Loans/ Loans NA 4.58 NA 2.82
Commercial Real Estate Loans/ Loans NA 40.84 NA 41.59
Commercial & Multifamily Real Estate Loans/ Loans 45.04 45.42 45.24 44.41
Real Estate Loans/ Loans 65.57 70.57 64.99 68.67
Construction & Development Loans/ Loans 8.56 5.49 12.75 8.05
Home Equity Loans/ Loans 4.16 5.45 4.13 5.18
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.19 0.15 0.17 0.15
Other Consumer Loans/ Loans 0.32 0.26 0.33 0.28
Consumer Loans/ Loans 4.67 5.85 4.63 5.61
Commercial Loans/ Loans 22.63 15.40 21.51 15.98
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 2.68 0 1.70
Unearned Income and Other Adjustments/ Loans (1.42) NA (3.89) NA
Deposit Composition (%)
Total Deposits($000) 686,760 671,132 702,303 693,991
Deposit Growth 3.09 (9.10) 2.26 (4.73)
Transaction Acct Deps/Tot Deps 42.92 40.64 43.54 NA
Savings Acct Deps/Tot Deposits 10.85 11.39 12.23 NA
Money Mkt Deps/Tot Deposits 20.67 21.02 20.05 20.80
MMDA & Savings/Total Deposits 31.52 32.41 32.28 NA
Retail Time Deps/Tot Deposits 9.59 9.63 14.59 16.96
Jumbo Time Deposits/ Deposits 15.96 17.32 9.59 8.32
Tot Time Deposits/Tot Deposits 25.56 26.95 24.18 25.28
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 74.44 73.05 75.82 74.72
Core Deposits/Total Deposits 84.04 82.68 90.41 91.68
Noninterest-bearing Deposits/ Deposits 20.85 18.99 21.62 19.72
Interest-bearing Deposits/ Deposits 79.15 81.01 78.38 80.28
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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