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) 250,353 241,662 209,331 184,814 154,386
Gross Loans HFI Growth 14.39 15.44 13.27 22.87 9.74
1-4 Family Loans/ Loans 4.17 4.22 3.98 3.92 6.64
Multifamily Loans/ Loans 7.20 7.39 NA NA NA
Commercial Real Estate Loans/ Loans 59.97 60.04 NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 67.17 67.43 65.98 64.87 62.85
Real Estate Loans/ Loans 71.34 71.66 69.96 68.79 69.48
Construction & Development Loans/ Loans 6.96 7.77 6.49 6.63 2.69
Home Equity Loans/ Loans 4.23 4.21 4.89 5.13 5.59
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0 0
Other Consumer Loans/ Loans 1.08 0.47 1.47 2 2.03
Consumer Loans/ Loans 5.30 4.69 6.36 7.13 7.62
Commercial Loans/ Loans 16.55 16.01 17.34 17.61 20.33
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.16) (0.13) (0.16) (0.17) (0.12)
Deposit Composition (%)
Total Deposits($000) 268,015 253,381 232,293 196,615 161,092
Deposit Growth 23.10 9.08 18.15 22.05 18.35
Transaction Acct Deps/Tot Deps 41.03 41.21 38.20 32.89 28.27
Savings Acct Deps/Tot Deposits 4.05 3.62 4.06 4.12 5.43
Money Mkt Deps/Tot Deposits 24.78 25.81 28.24 30.83 33.16
MMDA & Savings/Total Deposits 28.83 29.43 32.29 34.95 38.59
Retail Time Deps/Tot Deposits 9.89 7.26 6.79 9.41 11.54
Jumbo Time Deposits/ Deposits 20.25 22.11 22.71 22.75 21.61
Tot Time Deposits/Tot Deposits 30.14 29.37 29.51 32.16 33.15
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 69.86 70.63 70.49 67.84 66.85
Core Deposits/Total Deposits 79.75 77.89 77.29 77.25 78.39
Noninterest-bearing Deposits/ Deposits 21.77 20.66 21.90 19.50 14.30
Interest-bearing Deposits/ Deposits 78.23 79.34 78.10 80.50 85.70
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.