Deposit Loan Composition

Financial Highlights
2020 FQ1 YTD
3/31/2020
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) 431,985 404,599 398,496 415,105 415,052
Gross Loans HFI Growth 9.67 (0.29) (3.25) (0.06) 27.73
1-4 Family Loans/ Loans 19.57 15.11 15.25 17.67 16.27
Multifamily Loans/ Loans 0.44 NA 0.71 NA NA
Commercial Real Estate Loans/ Loans 49.92 NA 47.90 NA NA
Commercial & Multifamily Real Estate Loans/ Loans 50.36 55.04 48.61 49.69 49.23
Real Estate Loans/ Loans 69.92 70.15 63.86 67.36 65.49
Construction & Development Loans/ Loans 3.52 3.50 8.21 9.51 12.91
Home Equity Loans/ Loans 1.23 1.34 2 2.40 2.88
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0.06 0.08 0.09 0.16 0.20
Other Consumer Loans/ Loans 4.63 5.32 6.37 4.93 3.86
Consumer Loans/ Loans 5.92 6.74 8.46 7.49 6.93
Commercial Loans/ Loans 19.53 19.54 19.52 15.75 14.79
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 1.12 0.09 0.02 0 0
Unearned Income and Other Adjustments/ Loans 0 (0.02) (0.06) (0.11) (0.13)
Deposit Composition (%)
Total Deposits($000) 412,682 395,211 400,732 465,981 399,392
Deposit Growth 17.68 (1.38) (14) 16.67 14.25
Transaction Acct Deps/Tot Deps 24.57 24.67 18.78 16.18 17.90
Savings Acct Deps/Tot Deposits 0.55 0.55 0.75 0.49 0.73
Money Mkt Deps/Tot Deposits 28.92 24.23 29.98 38.38 26.54
MMDA & Savings/Total Deposits 29.47 24.77 30.74 38.86 27.28
Retail Time Deps/Tot Deposits 12.85 13.66 14.05 13.66 21.41
Jumbo Time Deposits/ Deposits 33.10 36.90 36.43 31.30 33.42
Tot Time Deposits/Tot Deposits 45.95 50.56 50.48 44.96 54.83
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 54.05 49.44 49.52 55.04 45.17
Core Deposits/Total Deposits 66.90 63.10 63.57 68.70 66.58
Noninterest-bearing Deposits/ Deposits 20.58 20.40 16.72 15.01 15.76
Interest-bearing Deposits/ Deposits 79.42 79.60 83.28 84.99 84.24
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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