Investor Presentaiton
Non-Owner
Occ. CRE
34.9%
Multifamily.
8.3%
BALANCE SHEET MIX
Loan Portfolio
Owner-Occ.
CRE
11.0%
Non-interest
Bearing
41.2%.
C&I
26.3%
Deposit Base
NOW
14.7%
Securities
8.0%
Cash
17.3%
Farm & Ag.
1.3%
CDs
3.3%
MMDA
37.8%
1-4 Family/
15.0%
Consumer &
Savings
2.9%
Construction
3.1%
Other
0.1%
Gross loans of $781 million, which includes
$119 million of PPP loans
4.76% loan yield in Q1 2021
☐
72.3% of loans are C&I and CRE
☐
Total deposits of $983 million
■
0.11% cost of deposits in Q1 2021
41.2% of deposits are non-interest bearing
55.9% of deposits are transaction accounts
Source: Unaudited company information, call report and press release for the quarter ended 3/31/2021
Total Asset Mix
PPP Loans
11.0%
☐
Total assets of $1.1 billion
■
79.4% loan/deposit ratio
Loans, Net of
Reserves
60.2%
67.3% loan/deposit ratio, excluding PPP loans
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