D/L Composition

Financial Highlights
2020 FQ2 YTD
3/31/2020
2019 FY
9/30/2019
2018 FY
9/30/2018
2017 FY
9/30/2017
2016 FY
9/30/2016
Loan Composition (%)

Total Gross Loans($000)

1,371,346

1,341,283

1,316,759

1,246,046

1,228,269

Gross Loans HFI Growth

4.48

1.86

5.67

1.45

10.55

1-4 Family Loans/ Loans

43.79

44.55

44.09

47.09

48.58

Multifamily Loans/ Loans

NA

NA

NA

NA

NA

Commercial Real Estate Loans/ Loans

NA

NA

NA

NA

NA

Commercial & Multifamily Real Estate Loans/ Loans

37.09

35.83

31.64

25.55

23.48

Real Estate Loans/ Loans

80.88

80.38

75.73

72.63

72.06

Construction & Development Loans/ Loans

0.78

0.42

0.30

0.25

0.14

Home Equity Loans/ Loans

3.19

3.37

3.34

3.71

3.92

Credit Card Loans/ Loans

0

0

0

0

0

Vehicle Loans/ Loans

4.27

6.11

11.10

14.98

15.72

Other Consumer Loans/ Loans

0

0

0

0

0

Consumer Loans/ Loans

7.46

9.48

14.44

18.69

19.64

Commercial Loans/ Loans

5.15

4.14

3.76

3.54

3.25

Foreign Loans/ Loans

0

0

0

0

0

Other Loans/ Loans

5.73

5.57

5.78

4.89

4.90

Unearned Income and Other Adjustments/ Loans

NA

NA

NA

NA

NA

Deposit Composition (%)

Total Deposits($000)

1,327,613

1,342,830

1,336,855

1,274,861

1,214,820

Deposit Growth

(2.27)

0.45

4.86

4.94

10.77

Transaction Acct Deps/Tot Deps

28.35

29.83

28.40

28.90

25.53

Savings Acct Deps/Tot Deposits

10.68

10.05

10.16

11.10

11.69

Money Mkt Deps/Tot Deposits

26.14

27.15

22.15

19.92

20.57

MMDA & Savings/Total Deposits

36.82

37.21

32.31

31.02

32.27

Retail Time Deps/Tot Deposits

23.42

22.85

25.32

23.62

29.62

Jumbo Time Deposits/ Deposits

11.41

10.11

13.97

16.45

12.58

Tot Time Deposits/Tot Deposits

34.83

32.96

39.29

40.07

42.20

Foreign Deposits/Total Deposits

0

0

0

0

0

Other Deposits/Total Deposits

0

0

0

0

0

Non-CDs/Total Deposits

65.17

67.04

60.71

59.93

57.80

Core Deposits/Total Deposits

88.59

89.89

86.03

83.55

87.42

Noninterest-bearing Deposits/ Deposits

13.64

13.10

11.84

12.56

11.77

Interest-bearing Deposits/ Deposits

86.36

86.90

88.16

87.44

88.23

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.