Investor Relations

D/L 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) 771,431 756,389 663,279 551,394 418,791
Gross Loans HFI Growth 7.95 14.04 20.29 31.66 13.39
1-4 Family Loans/ Loans 13.16 13.36 14.62 14.57 13.56
Multifamily Loans/ Loans 0.59 0.58 0.64 1.04 0.83
Commercial Real Estate Loans/ Loans 41.94 38.31 35.66 32.98 33.78
Commercial & Multifamily Real Estate Loans/ Loans 42.53 38.89 36.30 34.02 34.60
Real Estate Loans/ Loans 55.69 52.25 50.91 48.59 48.17
Construction & Development Loans/ Loans 8.02 8.45 8.62 9.90 9.16
Home Equity Loans/ Loans 2.95 2.35 1.95 2.55 2.47
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.40 0.41 0.45 0.40 0.44
Other Consumer Loans/ Loans 4.65 5.05 6.53 8.79 7.95
Consumer Loans/ Loans 8 7.81 8.93 11.74 10.87
Commercial Loans/ Loans 28.29 31.49 31.54 29.77 31.80
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans (0.01) NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 801,853 812,501 678,795 569,998 430,327
Deposit Growth (5.24) 19.70 19.09 32.46 22.86
Transaction Acct Deps/Tot Deps 19.32 19.16 18.04 17.08 17.83
Savings Acct Deps/Tot Deposits 0.90 0.78 0.77 0.73 0.77
Money Mkt Deps/Tot Deposits 33.19 33.29 34.42 39.79 43.30
MMDA & Savings/Total Deposits 34.09 34.07 35.20 40.51 44.07
Retail Time Deps/Tot Deposits 16.68 15.88 15.46 13.49 11.62
Jumbo Time Deposits/ Deposits 29.91 30.65 31.31 28.92 26.48
Tot Time Deposits/Tot Deposits 46.59 46.52 46.77 42.40 38.10
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 53.41 53.48 53.23 57.60 61.90
Core Deposits/Total Deposits 70.09 69.35 68.69 71.08 73.52
Noninterest-bearing Deposits/ Deposits 16.89 17.02 16.03 15.73 16.24
Interest-bearing Deposits/ Deposits 83.11 82.98 83.97 84.27 83.76
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.