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) 310,174 214,794 169,934 126,882 104,983
Gross Loans HFI Growth 88.81 26.40 33.93 20.86 27.86
1-4 Family Loans/ Loans 7.60 12.50 18.02 18.35 23.65
Multifamily Loans/ Loans 4.55 6.83 8.89 6.80 2.65
Commercial Real Estate Loans/ Loans 38.31 53.60 45.50 52.43 44.79
Commercial & Multifamily Real Estate Loans/ Loans 42.86 60.42 54.39 59.23 47.44
Real Estate Loans/ Loans 50.46 72.93 72.41 77.57 71.10
Construction & Development Loans/ Loans 6.68 8.33 1.60 2.38 2.96
Home Equity Loans/ Loans 0.66 1.02 2 3.31 3.75
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0 0
Other Consumer Loans/ Loans 4.91 7.65 11.09 9.01 13.81
Consumer Loans/ Loans 5.57 8.66 13.09 12.32 17.55
Commercial Loans/ Loans 37.27 10.39 13.18 7.96 8.63
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.02 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA (0.31) (0.27) (0.23) (0.25)
Deposit Composition (%)
Total Deposits($000) 340,720 236,969 180,682 137,511 126,325
Deposit Growth 87.57 31.15 31.39 8.85 4.54
Transaction Acct Deps/Tot Deps 57.85 68.39 52.49 23.36 11.33
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits 19.21 16.72 23 33.20 33.70
Retail Time Deps/Tot Deposits 1.31 1.75 NA 3.22 3.65
Jumbo Time Deposits/ Deposits 21.63 13.14 NA 40.23 51.32
Tot Time Deposits/Tot Deposits 22.94 14.89 24.50 43.45 54.97
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 77.06 85.11 75.50 56.55 45.03
Core Deposits/Total Deposits 78.37 86.86 NA 59.77 48.68
Noninterest-bearing Deposits/ Deposits 55.14 65.03 46.65 17.50 4.70
Interest-bearing Deposits/ Deposits 44.86 34.97 53.35 82.50 95.30
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.