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) 1,044,177 1,058,776 1,038,864 811,078 781,857
Gross Loans HFI Growth (5.52) 1.92 28.10 3.88 26.37
1-4 Family Loans/ Loans 19.93 20.64 24.07 22.28 22.69
Multifamily Loans/ Loans 1.39 1.43 1.07 0.43 NA
Commercial Real Estate Loans/ Loans 48.66 47.15 46.70 49.71 NA
Commercial & Multifamily Real Estate Loans/ Loans 50.05 48.58 47.76 50.15 49.81
Real Estate Loans/ Loans 69.98 69.23 71.84 72.43 72.50
Construction & Development Loans/ Loans 4.73 5.50 4.27 2.47 3.04
Home Equity Loans/ Loans 3.45 3.34 3.54 3.59 3.65
Credit Card Loans/ Loans 0.11 0.11 0.12 0.12 0.13
Vehicle Loans/ Loans 0.71 0.71 0.63 0.55 0.70
Other Consumer Loans/ Loans 1.14 1.18 1.22 1.47 1.74
Consumer Loans/ Loans 5.40 5.34 5.51 5.74 6.22
Commercial Loans/ Loans 19.89 19.93 18.39 19.35 18.24
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,095,381 1,075,677 1,097,537 817,998 823,512
Deposit Growth 7.33 (1.99) 34.17 (0.67) 34.93
Transaction Acct Deps/Tot Deps 43.35 45.90 41.51 36.29 38.90
Savings Acct Deps/Tot Deposits 10.03 10.18 10.15 7.47 7.08
Money Mkt Deps/Tot Deposits 15.73 15.53 14.10 16.08 15.84
MMDA & Savings/Total Deposits 25.76 25.71 24.25 23.55 22.92
Retail Time Deps/Tot Deposits NA NA NA NA 34.53
Jumbo Time Deposits/ Deposits NA NA NA NA 3.65
Tot Time Deposits/Tot Deposits 30.89 28.39 34.23 40.16 38.18
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 69.11 71.61 65.77 59.84 61.82
Core Deposits/Total Deposits NA NA NA NA 96.35
Noninterest-bearing Deposits/ Deposits 25.40 26.74 22.01 18.10 19.94
Interest-bearing Deposits/ Deposits 74.60 73.26 77.99 81.90 80.06
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.