Financial Highlights
2019 FQ2 YTD
6/30/2019
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) 222,199 209,330 184,814 154,387 137,057
Gross Loans HFI Growth 12.30 13.27 22.87 9.74 10.07
1-4 Family Loans/ Loans 5.33 4.18 3.92 6.71 7.62
Multifamily Loans/ Loans 6.59 5.31 5.59 4.92 4.91
Commercial Real Estate Loans/ Loans 60.47 61.40 62.34 61.60 60.53
Commercial & Multifamily Real Estate Loans/ Loans 67.07 66.71 67.92 66.52 65.44
Real Estate Loans/ Loans 72.39 70.89 71.84 73.23 73.07
Construction & Development Loans/ Loans 5.88 7.42 7.76 3.41 3.31
Home Equity Loans/ Loans 4.29 4.89 5.13 5.44 5.99
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.01 0.01 0.02 0.01 0.06
Other Consumer Loans/ Loans 1.04 1.46 1.82 1.96 2.06
Consumer Loans/ Loans 5.33 6.36 6.97 7.42 8.11
Commercial Loans/ Loans 16.52 15.50 13.61 16.08 15.55
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.13) (0.16) (0.17) (0.13) (0.04)
Deposit Composition (%)
Total Deposits($000) 256,163 232,293 196,615 161,092 136,111
Deposit Growth 20.55 18.15 22.05 18.35 0.88
Transaction Acct Deps/Tot Deps 40.32 38.20 32.89 28.26 31.50
Savings Acct Deps/Tot Deposits 3.45 4.06 4.12 5.43 5.37
Money Mkt Deps/Tot Deposits 27.63 28.24 30.83 33.16 27.88
MMDA & Savings/Total Deposits 31.08 32.29 34.95 38.59 33.25
Retail Time Deps/Tot Deposits 7.55 6.79 9.41 11.54 11.09
Jumbo Time Deposits/ Deposits 21.06 22.71 22.75 21.61 24.16
Tot Time Deposits/Tot Deposits 28.60 29.51 32.16 33.15 35.25
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 71.40 70.49 67.84 66.85 64.75
Core Deposits/Total Deposits 78.94 77.29 77.25 78.39 75.84
Noninterest-bearing Deposits/ Deposits 21.25 21.90 19.50 14.30 16.36
Interest-bearing Deposits/ Deposits 78.75 78.10 80.50 85.70 83.64
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.