Deposit Loan Composition

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Loan Composition (%)
Total Gross Loans($000) 403,256 401,500 410,955 398,496
Gross Loans HFI Growth (10.25) (10.68) 4.01 (3.25)
1-4 Family Loans/ Loans 18.06 17.82 18.17 15.25
Multifamily Loans/ Loans 0.22 0.71 0.69 0.71
Commercial Real Estate Loans/ Loans 48.98 48.57 47.66 47.90
Commercial & Multifamily Real Estate Loans/ Loans 49.21 49.28 48.35 48.61
Real Estate Loans/ Loans 67.27 67.11 66.52 63.86
Construction & Development Loans/ Loans 10.64 9.57 9.68 8.21
Home Equity Loans/ Loans 2.97 2.44 2.25 2
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.22 0.15 0.12 0.09
Other Consumer Loans/ Loans 4.09 5.04 5.59 6.37
Consumer Loans/ Loans 7.28 7.63 7.96 8.46
Commercial Loans/ Loans 15.05 15.72 15.83 19.52
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 0 0.08 0.08 0.02
Unearned Income and Other Adjustments/ Loans (0.24) (0.10) (0.07) (0.06)
Deposit Composition (%)
Total Deposits($000) 437,729 444,471 434,304 400,732
Deposit Growth 38.40 (18.46) (9.15) (14)
Transaction Acct Deps/Tot Deps 15.88 15.55 16.84 18.78
Savings Acct Deps/Tot Deposits 0.69 0.51 0.51 0.75
Money Mkt Deps/Tot Deposits 28.67 41.45 39.20 29.98
MMDA & Savings/Total Deposits 29.36 41.96 39.71 30.74
Retail Time Deps/Tot Deposits 18.35 11.85 14.01 14.05
Jumbo Time Deposits/ Deposits 36.40 30.64 29.43 36.43
Tot Time Deposits/Tot Deposits 54.75 42.48 43.45 50.48
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 45.25 57.52 56.55 49.52
Core Deposits/Total Deposits 63.60 69.36 70.57 63.57
Noninterest-bearing Deposits/ Deposits 15.88 15.55 16.84 16.72
Interest-bearing Deposits/ Deposits 84.12 84.45 83.16 83.28
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.

Suite 100, 10555 Main Street,
Fairfax, VA 22030
(703) 242-5300
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502 Maple Avenue West
Vienna, VA 22180
(703) 667-4170
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Suite 110, 11700 Plaza America Dr Reston, VA 20190
(703)-663-2300
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Suite 240, 4500 Daly Drive
Chantilly, VA 20151
(571) 395-4000
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4211 Pleasant Valley Road
Chantilly, VA 20151
(703) 766-6400
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