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Investor Relations

Deposit Loan Composition

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Loan Composition (%)
Total Gross Loans($000) 376,089 348,317 298,541 259,275 228,935
Gross Loans HFI Growth 29.25 16.46 15.94 12.30 19.04
1-4 Family Loans/ Loans 27 27.41 29.24 25.40 26.29
Multifamily Loans/ Loans 5.79 6.42 6.08 5.45 6.13
Commercial Real Estate Loans/ Loans 29.09 27.69 28.08 31.40 29.16
Commercial & Multifamily Real Estate Loans/ Loans 34.88 34.11 34.16 36.85 35.29
Real Estate Loans/ Loans 61.88 61.52 63.40 62.25 61.59
Construction & Development Loans/ Loans 10.45 9.82 10.76 10.58 8.86
Home Equity Loans/ Loans 5.38 5.89 6.02 6.57 6.97
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.10 0.12 0.15 0.11 0.12
Other Consumer Loans/ Loans 1.97 2.11 2.15 2.94 1.77
Consumer Loans/ Loans 7.45 8.13 8.32 9.63 8.86
Commercial Loans/ Loans 20.08 20.39 17.37 17.37 20.54
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans 0.14 0.15 0.16 0.17 0.16
Deposit Composition (%)
Total Deposits($000) 474,283 438,264 349,067 298,297 275,347
Deposit Growth 32.87 25.55 17.02 8.33 26.55
Transaction Acct Deps/Tot Deps 40.72 38.64 36.48 38.92 33.93
Savings Acct Deps/Tot Deposits 2.44 2.66 2.64 2.42 2.31
Money Mkt Deps/Tot Deposits 42.06 42.92 49.05 51.26 56.23
MMDA & Savings/Total Deposits 44.50 45.58 51.69 53.68 58.54
Retail Time Deps/Tot Deposits 2.46 2.63 2.21 1.40 1.57
Jumbo Time Deposits/ Deposits 12.33 13.15 9.62 6 5.96
Tot Time Deposits/Tot Deposits 14.78 15.78 11.83 7.39 7.53
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 85.22 84.22 88.17 92.61 92.47
Core Deposits/Total Deposits 87.67 86.85 90.38 94 94.04
Noninterest-bearing Deposits/ Deposits 22.39 22.09 22.95 25.55 22.46
Interest-bearing Deposits/ Deposits 77.61 77.91 77.05 74.45 77.54
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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