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Peoples State Bank

Deposit Loan Composition

Financial Highlights
3/31/2017
12/31/2017
3/31/2018
6/30/2018
Loan Composition (%)
Total Gross Loans($000) 609,570 616,474 613,307 638,198
Gross Loans HFI Growth 11.45 4.10 (2.16) 16.08
1-4 Family Loans/ Loans 25.15 19.75 24.26 23.26
Multifamily Loans/ Loans 4.58 NA 2.82 2.68
Commercial Real Estate Loans/ Loans 40.84 NA 41.59 40.41
Commercial & Multifamily Real Estate Loans/ Loans 45.42 45.24 44.41 43.08
Real Estate Loans/ Loans 70.57 64.99 68.67 66.34
Construction & Development Loans/ Loans 5.49 12.75 8.05 8.72
Home Equity Loans/ Loans 5.45 4.13 5.18 5.10
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.15 0.17 0.15 0.14
Other Consumer Loans/ Loans 0.26 0.33 0.28 0.31
Consumer Loans/ Loans 5.85 4.63 5.61 5.54
Commercial Loans/ Loans 15.40 21.51 15.98 17.47
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 2.68 0 1.70 1.92
Unearned Income and Other Adjustments/ Loans NA (3.89) NA NA
Deposit Composition (%)
Total Deposits($000) 671,132 702,303 693,991 709,591
Deposit Growth (9.10) 2.26 (4.73) 8.99
Transaction Acct Deps/Tot Deps 40.64 43.54 NA NA
Savings Acct Deps/Tot Deposits 11.39 12.23 NA NA
Money Mkt Deps/Tot Deposits 21.02 20.05 20.80 19.56
MMDA & Savings/Total Deposits 32.41 32.28 NA NA
Retail Time Deps/Tot Deposits 9.63 14.59 16.96 8.94
Jumbo Time Deposits/ Deposits 17.32 9.59 8.32 17.41
Tot Time Deposits/Tot Deposits 26.95 24.18 25.28 26.35
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 73.05 75.82 74.72 73.65
Core Deposits/Total Deposits 82.68 90.41 91.68 82.59
Noninterest-bearing Deposits/ Deposits 18.99 21.62 19.72 19.46
Interest-bearing Deposits/ Deposits 81.01 78.38 80.28 80.54
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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