Loan Composition

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Financial Highlights
2020 FQ3 YTD
3/31/2020
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
Loan Composition (%)
Total Gross Loans($000) 302,276 284,995 265,369 249,080 233,867
Gross Loans HFI Growth 8.03 7.27 6.53 6.53 1.82
1-4 Family Loans/ Loans NA 38.05 37.42 38.30 38.27
Multifamily Loans/ Loans NA NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans NA 31.55 33.98 32.01 30.33
Real Estate Loans/ Loans NA 69.59 71.40 70.31 68.60
Construction & Development Loans/ Loans NA 2.88 0.30 0.14 0.61
Home Equity Loans/ Loans NA 8.68 9.19 9.91 10.36
Credit Card Loans/ Loans NA 0 0 0 0
Vehicle Loans/ Loans NA 4.21 4.23 4.36 4.28
Other Consumer Loans/ Loans NA 1.84 1.32 1.41 2.68
Consumer Loans/ Loans NA 14.73 14.74 15.67 17.32
Commercial Loans/ Loans NA 12.76 13.52 13.81 13.44
Foreign Loans/ Loans NA 0 0 0 0
Other Loans/ Loans NA 0 0 0 0
Unearned Income and Other Adjustments/ Loans NA 0.03 0.04 0.06 0.03
Deposit Composition (%)
Total Deposits($000) 372,850 364,121 334,905 322,475 279,157
Deposit Growth 3.20 8.72 3.85 15.52 5.15
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 NA 8.82 9.26 10.34 12.08
Jumbo Time Deposits/ Deposits NA 17.95 17.32 18.10 16.60
Tot Time Deposits/Tot Deposits NA 26.77 26.59 28.43 28.68
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits NA 73.23 73.41 71.57 71.32
Core Deposits/Total Deposits NA 82.05 82.68 81.90 83.40
Noninterest-bearing Deposits/ Deposits 8.09 9.06 9.16 9.05 8.97
Interest-bearing Deposits/ Deposits 91.91 90.94 90.84 90.95 91.03
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.