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Investor Relations

Deposit Loan Composition

Financial Highlights
2020 FQ2 YTD
6/30/2020
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) 456,771 348,317 298,541 259,275 228,935
Gross Loans HFI Growth 61.79 16.46 15.94 12.30 19.04
1-4 Family Loans/ Loans NA 27.41 29.24 25.40 26.29
Multifamily Loans/ Loans NA 6.42 6.08 5.45 6.13
Commercial Real Estate Loans/ Loans 24.33 27.69 28.08 31.40 29.16
Commercial & Multifamily Real Estate Loans/ Loans NA 34.11 34.16 36.85 35.29
Real Estate Loans/ Loans 51.72 61.52 63.40 62.25 61.59
Construction & Development Loans/ Loans 9.41 9.82 10.76 10.58 8.86
Home Equity Loans/ Loans 4.31 5.89 6.02 6.57 6.97
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.07 0.12 0.15 0.11 0.12
Other Consumer Loans/ Loans 1.53 2.11 2.15 2.94 1.77
Consumer Loans/ Loans 5.91 8.13 8.32 9.63 8.86
Commercial Loans/ Loans 33.37 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 (0.41) 0.15 0.16 0.17 0.16
Deposit Composition (%)
Total Deposits($000) 536,514 438,264 349,067 298,297 275,347
Deposit Growth 44.84 25.55 17.02 8.33 26.55
Transaction Acct Deps/Tot Deps 45.70 38.64 36.48 38.92 33.93
Savings Acct Deps/Tot Deposits 2.67 2.66 2.64 2.42 2.31
Money Mkt Deps/Tot Deposits 39.24 42.92 49.05 51.26 56.23
MMDA & Savings/Total Deposits 41.91 45.58 51.69 53.68 58.54
Retail Time Deps/Tot Deposits 2.15 2.63 2.21 1.40 1.57
Jumbo Time Deposits/ Deposits 10.24 13.15 9.62 6 5.96
Tot Time Deposits/Tot Deposits 12.39 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 87.61 84.22 88.17 92.61 92.47
Core Deposits/Total Deposits 89.76 86.85 90.38 94 94.04
Noninterest-bearing Deposits/ Deposits 27.31 22.09 22.95 25.55 22.46
Interest-bearing Deposits/ Deposits 72.69 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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