Loan Composition

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Financial Highlights
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
2015 FY
6/30/2015
Loan Composition (%)
Total Gross Loans($000) 284,995 265,369 249,080 233,867 228,941
Gross Loans HFI Growth 7.27 6.53 6.53 1.82 3.79
1-4 Family Loans/ Loans 40.03 37.42 38.30 38.27 40.94
Multifamily Loans/ Loans 0.71 NA NA NA 0.72
Commercial Real Estate Loans/ Loans 20.28 NA NA NA 27.52
Commercial & Multifamily Real Estate Loans/ Loans 20.99 33.98 32.01 30.33 28.24
Real Estate Loans/ Loans 61.02 71.40 70.31 68.60 69.19
Construction & Development Loans/ Loans 3.53 0.30 0.14 0.61 0.60
Home Equity Loans/ Loans 10.13 9.19 9.91 10.36 10.57
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 4.19 4.23 4.36 4.28 3.91
Other Consumer Loans/ Loans 1.85 1.32 1.41 2.68 2.81
Consumer Loans/ Loans 16.18 14.74 15.67 17.32 17.29
Commercial Loans/ Loans 12.60 13.52 13.81 13.44 12.89
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 6.67 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA 0.04 0.06 0.03 0.03
Deposit Composition (%)
Total Deposits($000) 364,121 334,905 322,475 279,157 265,480
Deposit Growth 8.72 3.85 15.52 5.15 (10.37)
Transaction Acct Deps/Tot Deps NA NA NA NA NA
Savings Acct Deps/Tot Deposits NA NA NA NA NA
Money Mkt Deps/Tot Deposits NA NA NA NA NA
MMDA & Savings/Total Deposits NA NA NA NA NA
Retail Time Deps/Tot Deposits 8.82 9.26 10.34 12.08 13.24
Jumbo Time Deposits/ Deposits 17.95 17.32 18.10 16.60 21.31
Tot Time Deposits/Tot Deposits 26.77 26.59 28.43 28.68 34.56
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 73.23 73.41 71.57 71.32 65.44
Core Deposits/Total Deposits 82.05 82.68 81.90 83.40 78.69
Noninterest-bearing Deposits/ Deposits 9.06 9.16 9.05 8.97 11.59
Interest-bearing Deposits/ Deposits 90.94 90.84 90.95 91.03 88.41
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.