Deposit Loan Composition

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Loan Composition (%)
Total Gross Loans($000) 420,156 398,496 415,105 415,052 326,704
Gross Loans HFI Growth 2.28 (3.25) (0.06) 27.73 14.37
1-4 Family Loans/ Loans 17.82 15.25 17.67 16.27 19.98
Multifamily Loans/ Loans 0.65 0.71 NA NA 1.68
Commercial Real Estate Loans/ Loans 51.11 47.90 NA NA 44.23
Commercial & Multifamily Real Estate Loans/ Loans 51.77 48.61 49.69 49.23 45.91
Real Estate Loans/ Loans 69.59 63.86 67.36 65.49 65.90
Construction & Development Loans/ Loans 3.89 8.21 9.51 12.91 12.86
Home Equity Loans/ Loans 1.41 2 2.40 2.88 3.36
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.08 0.09 0.16 0.20 0.10
Other Consumer Loans/ Loans 5.38 6.37 4.93 3.86 4.21
Consumer Loans/ Loans 6.88 8.46 7.49 6.93 7.68
Commercial Loans/ Loans 18.52 19.52 15.75 14.79 13.81
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 1.16 0.02 0 0 0
Unearned Income and Other Adjustments/ Loans (0.03) (0.06) (0.11) (0.13) (0.24)
Deposit Composition (%)
Total Deposits($000) 396,652 400,732 465,981 399,392 349,565
Deposit Growth (1.36) (14) 16.67 14.25 12.15
Transaction Acct Deps/Tot Deps 23.39 18.78 16.18 17.90 14.83
Savings Acct Deps/Tot Deposits 0.69 0.75 0.49 0.73 0.74
Money Mkt Deps/Tot Deposits 24.79 29.98 38.38 26.54 25.23
MMDA & Savings/Total Deposits 25.48 30.74 38.86 27.28 25.96
Retail Time Deps/Tot Deposits 13.75 14.05 13.66 21.41 13.96
Jumbo Time Deposits/ Deposits 37.38 36.43 31.30 33.42 45.24
Tot Time Deposits/Tot Deposits 51.13 50.48 44.96 54.83 59.21
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 48.87 49.52 55.04 45.17 40.79
Core Deposits/Total Deposits 62.62 63.57 68.70 66.58 54.76
Noninterest-bearing Deposits/ Deposits 20.40 16.72 15.01 15.76 14.83
Interest-bearing Deposits/ Deposits 79.60 83.28 84.99 84.24 85.17
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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