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) 211,088 214,794 169,934 126,882 104,983
Gross Loans HFI Growth (6.90) 26.40 33.93 20.86 27.86
1-4 Family Loans/ Loans 12.09 12.50 18.02 18.35 23.65
Multifamily Loans/ Loans 7.33 6.83 8.89 6.80 2.65
Commercial Real Estate Loans/ Loans 51.95 53.60 45.50 52.43 44.79
Commercial & Multifamily Real Estate Loans/ Loans 59.28 60.42 54.39 59.23 47.44
Real Estate Loans/ Loans 71.37 72.93 72.41 77.57 71.10
Construction & Development Loans/ Loans 9.14 8.33 1.60 2.38 2.96
Home Equity Loans/ Loans 1.25 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 7.46 7.65 11.09 9.01 13.81
Consumer Loans/ Loans 8.71 8.66 13.09 12.32 17.55
Commercial Loans/ Loans 10.75 10.39 13.18 7.96 8.63
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.33 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.29) (0.31) (0.27) (0.23) (0.25)
Deposit Composition (%)
Total Deposits($000) 253,196 236,969 180,682 137,511 126,325
Deposit Growth 27.39 31.15 31.39 8.85 4.54
Transaction Acct Deps/Tot Deps 73.24 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 13.88 16.72 23 33.20 33.70
Retail Time Deps/Tot Deposits 1.58 1.75 NA 3.22 3.65
Jumbo Time Deposits/ Deposits 11.30 13.14 NA 40.23 51.32
Tot Time Deposits/Tot Deposits 12.88 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 87.12 85.11 75.50 56.55 45.03
Core Deposits/Total Deposits 88.70 86.86 NA 59.77 48.68
Noninterest-bearing Deposits/ Deposits 67.03 65.03 46.65 17.50 4.70
Interest-bearing Deposits/ Deposits 32.97 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.