Loan & Deposit Composition
Financial Highlights
| Period Ended | 2024 FY 12/31/2024 |
2023 FY 12/31/2023 |
2022 FY 12/31/2022 |
2021 FY 12/31/2021 |
2020 FY 12/31/2020 |
|---|---|---|---|---|---|
| Loan Composition (%) | |||||
| Total Gross Loans | 369,101 | 349,121 | 331,848 | 309,407 | 333,768 |
| Gross Loans HFI Growth | 4.93 | 4.84 | 7.94 | (4.42) | 17.05 |
| 1-4 Family Loans/ Loans | 14.01 | 13.54 | 11.03 | 9.18 | |
| Commercial & Multifamily Real Estate Loans/ Loans | 48.68 | 49.22 | 52.24 | 54.04 | 45.57 |
| Real Estate Loans/ Loans | 63.23 | 65.78 | 65.07 | 54.75 | |
| Construction & Development Loans/ Loans | 5.93 | 7.46 | 5.29 | 3.93 | 4.62 |
| Home Equity Loans/ Loans | 12.38 | 14.14 | 12.23 | 13.21 | |
| Consumer Loans/ Loans | 13.47 | 15.31 | 13.46 | 14.61 | |
| Commercial Loans/ Loans | 15.31 | 15.84 | 13.62 | 14.94 | 15.91 |
| Deposit Composition (%) | |||||
| Total Deposits | 489,912 | 525,703 | 598,670 | 609,192 | 462,198 |
| Deposit Growth | (6.81) | (12.19) | (1.73) | 31.8 | 21.89 |
| Transaction Acct Deps/Tot Deps | 58.02 | 65.7 | 69.87 | 69.13 | 67.02 |
| Savings Acct Deps/Tot Deposits | 8.89 | 9.62 | 10.66 | 11.27 | 10.18 |
| Money Mkt Deps/Tot Deposits | 22.33 | 19.96 | 16.71 | 16.11 | 18.32 |
| Tot Time Deposits/Tot Deposits | 10.76 | 4.72 | 2.77 | 3.49 | 4.48 |
| Non-CDs/Total Deposits | 89.24 | 95.28 | 97.23 | 96.51 | 95.52 |
| Noninterest-bearing Deposits/ Deposits | 32.81 | 34.63 | 37.27 | 41.99 | 36.6 |
| Interest-bearing Deposits/ Deposits | 67.19 | 65.37 | 62.73 | 58.01 | 63.4 |