Investor Relations

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) 327,696 298,541 259,275 228,935 192,271
Gross Loans HFI Growth 11.81 15.94 12.30 19.04 23.11
1-4 Family Loans/ Loans 28.35 29.24 25.40 26.29 23.85
Multifamily Loans/ Loans 6.21 6.08 5.45 6.13 7.24
Commercial Real Estate Loans/ Loans 24.40 28.08 31.40 29.16 30.52
Commercial & Multifamily Real Estate Loans/ Loans 30.61 34.16 36.85 35.29 37.76
Real Estate Loans/ Loans 58.95 63.40 62.25 61.59 61.61
Construction & Development Loans/ Loans 12.87 10.76 10.58 8.86 9.23
Home Equity Loans/ Loans 5.76 6.02 6.57 6.97 5.74
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.12 0.15 0.11 0.12 0.08
Other Consumer Loans/ Loans 2.29 2.15 2.94 1.77 1.96
Consumer Loans/ Loans 8.17 8.32 9.63 8.86 7.78
Commercial Loans/ Loans 19.85 17.37 17.37 20.54 21.22
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans 0.17 0.16 0.17 0.16 0.15
Deposit Composition (%)
Total Deposits($000) 421,197 349,067 298,297 275,347 217,573
Deposit Growth 27.55 17.02 8.33 26.55 18.26
Transaction Acct Deps/Tot Deps 40.16 36.48 38.92 33.93 32.69
Savings Acct Deps/Tot Deposits 2.40 2.64 2.42 2.31 2.26
Money Mkt Deps/Tot Deposits 43.44 49.05 51.26 56.23 54.66
MMDA & Savings/Total Deposits 45.84 51.69 53.68 58.54 56.92
Retail Time Deps/Tot Deposits 2.57 2.21 1.40 1.57 2.02
Jumbo Time Deposits/ Deposits 11.42 9.62 6 5.96 8.37
Tot Time Deposits/Tot Deposits 14 11.83 7.39 7.53 10.39
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 86 88.17 92.61 92.47 89.61
Core Deposits/Total Deposits 88.58 90.38 94 94.04 91.63
Noninterest-bearing Deposits/ Deposits 22.97 22.95 25.55 22.46 23.05
Interest-bearing Deposits/ Deposits 77.03 77.05 74.45 77.54 76.95
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.