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Deposit Loan Composition

Financial Highlights
2020 FQ2 YTD
6/30/2020
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) 1,195,213 1,091,352 1,032,136 986,351 888,263
Gross Loans HFI Growth 19.06 5.70 4.63 11.04 9.98
1-4 Family Loans/ Loans 19.44 23.19 24.27 27.10 28.65
Multifamily Loans/ Loans 6.43 6.71 5.79 6.01 4.43
Commercial Real Estate Loans/ Loans 37.79 37.19 37.70 37.95 39.14
Commercial & Multifamily Real Estate Loans/ Loans 44.22 43.90 43.49 43.96 43.57
Real Estate Loans/ Loans 63.66 67.10 67.77 71.07 72.22
Construction & Development Loans/ Loans 12.78 13.54 11.80 11.09 11.29
Home Equity Loans/ Loans 0.61 0.72 0.82 1.07 1.17
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.59 0.69 0.89 0.20 0.20
Other Consumer Loans/ Loans 0.27 0.33 0.27 0.32 0.43
Consumer Loans/ Loans 1.47 1.74 1.99 1.59 1.80
Commercial Loans/ Loans 22.01 17.53 18.29 16.12 14.56
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.08 0.10 0.16 0.12 0.14
Unearned Income and Other Adjustments/ Loans NA NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,363,649 1,163,448 1,164,975 1,095,764 1,037,294
Deposit Growth 34.42 (0.13) 6.32 5.64 9.71
Transaction Acct Deps/Tot Deps 34.78 30.01 28.42 28.30 25.66
Savings Acct Deps/Tot Deposits 7.96 8.30 7.98 8.58 8.71
Money Mkt Deps/Tot Deposits 10.86 10.39 10.90 13.08 10.73
MMDA & Savings/Total Deposits 18.82 18.69 18.87 21.66 19.44
Retail Time Deps/Tot Deposits 19.33 22.66 22.72 21.55 22.28
Jumbo Time Deposits/ Deposits 27.07 28.65 29.99 28.50 32.61
Tot Time Deposits/Tot Deposits 46.40 51.31 52.71 50.04 54.89
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 53.60 48.69 47.29 49.96 45.11
Core Deposits/Total Deposits 72.93 71.35 70.01 71.50 67.39
Noninterest-bearing Deposits/ Deposits 20.44 15.35 14.17 13.97 12.43
Interest-bearing Deposits/ Deposits 79.56 84.65 85.83 86.03 87.57
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