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) 192,134 169,934 126,882 104,983 83,147
Gross Loans HFI Growth 17.42 33.93 20.86 27.86 1.51
1-4 Family Loans/ Loans 15.67 18.02 18.35 23.65 23.84
Multifamily Loans/ Loans 7.78 8.89 6.80 2.65 2.82
Commercial Real Estate Loans/ Loans 52.86 45.50 52.43 44.79 48.82
Commercial & Multifamily Real Estate Loans/ Loans 60.64 54.39 59.23 47.44 51.63
Real Estate Loans/ Loans 76.30 72.41 77.57 71.10 75.47
Construction & Development Loans/ Loans 3.79 1.60 2.38 2.96 4.35
Home Equity Loans/ Loans 1.45 2 3.31 3.75 7.92
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0 0
Other Consumer Loans/ Loans 8.41 11.09 9.01 13.81 0.04
Consumer Loans/ Loans 9.86 13.09 12.32 17.55 7.96
Commercial Loans/ Loans 10 13.18 7.96 8.63 12.24
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.36 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.32) (0.27) (0.23) (0.25) (0.02)
Deposit Composition (%)
Total Deposits($000) 234,096 180,682 137,511 126,325 120,839
Deposit Growth 39.42 31.39 8.85 4.54 1.45
Transaction Acct Deps/Tot Deps 65.55 52.49 23.36 11.33 10.23
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits 18.42 23 33.20 33.70 35.02
Retail Time Deps/Tot Deposits 1.81 NA 3.22 3.65 NA
Jumbo Time Deposits/ Deposits 14.23 NA 40.23 51.32 NA
Tot Time Deposits/Tot Deposits 16.03 24.50 43.45 54.97 54.75
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 83.97 75.50 56.55 45.03 45.25
Core Deposits/Total Deposits 85.77 NA 59.77 48.68 NA
Noninterest-bearing Deposits/ Deposits 63.11 46.65 17.50 4.70 3.27
Interest-bearing Deposits/ Deposits 36.89 53.35 82.50 95.30 96.73
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.