Investor Relations

D/L 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) 720,203 663,279 551,394 418,791 369,350
Gross Loans HFI Growth 11.44 20.29 31.66 13.39 19.81
1-4 Family Loans/ Loans 13.80 14.37 14.32 12.89 11.97
Multifamily Loans/ Loans 0.62 0.64 1.04 0.83 0.80
Commercial Real Estate Loans/ Loans 39.31 37.04 34.27 34.40 33.88
Commercial & Multifamily Real Estate Loans/ Loans 39.93 37.68 35.31 35.22 34.68
Real Estate Loans/ Loans 53.73 52.05 49.63 48.11 46.65
Construction & Development Loans/ Loans 8.11 8.62 9.90 9.16 12.92
Home Equity Loans/ Loans 2.65 2.20 2.79 3.15 2.71
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.42 0.45 0.40 0.44 0.27
Other Consumer Loans/ Loans 5.41 6.52 8.79 7.93 10.25
Consumer Loans/ Loans 8.48 9.17 11.98 11.52 13.23
Commercial Loans/ Loans 29.67 30.15 28.49 31.18 27.21
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0.02 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 787,178 678,795 569,998 430,327 350,261
Deposit Growth 21.29 19.09 32.46 22.86 14.62
Transaction Acct Deps/Tot Deps 18.53 18.04 17.08 17.83 18.20
Savings Acct Deps/Tot Deposits 0.72 0.77 0.73 0.77 0.56
Money Mkt Deps/Tot Deposits 32.02 34.42 39.79 43.30 35.86
MMDA & Savings/Total Deposits 32.74 35.20 40.51 44.07 36.42
Retail Time Deps/Tot Deposits 16.55 16.68 13.49 11.62 12.52
Jumbo Time Deposits/ Deposits 32.17 30.08 28.92 26.48 32.85
Tot Time Deposits/Tot Deposits 48.73 46.77 42.40 38.10 45.38
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 51.27 53.23 57.60 61.90 54.62
Core Deposits/Total Deposits 67.83 69.92 71.08 73.52 67.15
Noninterest-bearing Deposits/ Deposits 15.47 16.03 15.73 16.24 12.99
Interest-bearing Deposits/ Deposits 84.53 83.97 84.27 83.76 87.01
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.