Deposit Loan Composition
Financial Highlights
| Period Ended | 2024 FQ1 YTD 03/31/2024 |
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 | 359,911 | 349,121 | 331,848 | 309,407 | 333,768 |
| Gross Loans HFI Growth | 11.8 | 4.84 | 7.94 | (4.42) | 17.05 |
| 1-4 Family Loans/ Loans | 27.57 | 14.01 | 13.54 | 11.03 | 9.18 |
| Multifamily Loans/ Loans | 3.36 | NA | NA | NA | NA |
| Commercial Real Estate Loans/ Loans | 23.21 | NA | NA | NA | NA |
| Commercial & Multifamily Real Estate Loans/ Loans | 26.57 | 49.22 | 52.24 | 54.04 | 45.57 |
| Real Estate Loans/ Loans | 54.14 | 63.23 | 65.78 | 65.07 | 54.75 |
| Construction & Development Loans/ Loans | 16.67 | 7.46 | 5.29 | 3.93 | 4.62 |
| Home Equity Loans/ Loans | 12.34 | 12.38 | 14.14 | 12.23 | 13.21 |
| Credit Card Loans/ Loans | 0 | 0 | 0 | 0 | 0 |
| Vehicle Loans/ Loans | 0.04 | 0.05 | 0.07 | 0.09 | 0.1 |
| Other Consumer Loans/ Loans | 1.05 | 1.05 | 1.1 | 1.14 | 1.29 |
| Consumer Loans/ Loans | 13.43 | 13.47 | 15.31 | 13.46 | 14.61 |
| Commercial Loans/ Loans | 15.75 | 15.84 | 13.62 | 14.94 | 15.91 |
| Foreign Loans/ Loans | 0 | 0 | 0 | 0 | 0 |
| Other Loans/ Loans | 0 | 0 | 0 | 2.6 | 10.11 |
| Unearned Income and Other Adjustments/ Loans | NA | NA | NA | NA | NA |
| Deposit Composition (%) | |||||
| Total Deposits | 527,661 | 525,703 | 598,670 | 609,192 | 462,198 |
| Deposit Growth | 1.49 | (12.19) | (1.73) | 31.8 | 21.89 |
| Transaction Acct Deps/Tot Deps | NA | 65.7 | 69.87 | 69.13 | 67.02 |
| Savings Acct Deps/Tot Deposits | NA | 9.62 | 10.66 | 11.27 | 10.18 |
| Money Mkt Deps/Tot Deposits | NA | 19.96 | 16.71 | 16.11 | 18.32 |
| MMDA & Savings/Total Deposits | NA | 29.58 | 27.37 | 27.38 | 28.5 |
| Retail Time Deps/Tot Deposits | 0.75 | 0.96 | 0.94 | 0.99 | 1.44 |
| Jumbo Time Deposits/ Deposits | 5.32 | 3.76 | 1.82 | 2.5 | 3.04 |
| Tot Time Deposits/Tot Deposits | 6.07 | 4.72 | 2.77 | 3.49 | 4.48 |
| Foreign Deposits/Total Deposits | 0 | 0 | 0 | 0 | 0 |
| Other Deposits/Total Deposits | 0 | 0 | 0 | 0 | 0 |
| Non-CDs/Total Deposits | 93.93 | 95.28 | 97.23 | 96.51 | 95.52 |
| Core Deposits/Total Deposits | 94.68 | 96.24 | 98.18 | 97.5 | 96.96 |
| Noninterest-bearing Deposits/ Deposits | 33.61 | 34.63 | 37.27 | 41.99 | 36.6 |
| Interest-bearing Deposits/ Deposits | 66.39 | 65.37 | 62.73 | 58.01 | 63.4 |