Deposit Loan Composition

Financial Highlights
2020 FY
6/30/2020
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) 911,061 887,001 1,006,368 1,029,506 1,038,150
Gross Loans HFI Growth 2.71 (2.53) (0.32) 7.57 3.13
1-4 Family Loans/ Loans 32.18 35.35 32.99 NA 37.01
Multifamily Loans/ Loans 53.99 49.50 52.30 52.57 48.97
Commercial Real Estate Loans/ Loans 11.55 12.62 12.06 10.69 11.73
Commercial & Multifamily Real Estate Loans/ Loans 65.54 62.12 64.36 63.26 60.70
Real Estate Loans/ Loans 97.73 97.46 97.35 NA 97.71
Construction & Development Loans/ Loans 0.86 0.52 0.35 0.77 0.40
Home Equity Loans/ Loans 0.61 1.29 1.60 NA 1.23
Credit Card Loans/ Loans 0 0 0 0 0
Vehicle Loans/ Loans 0 0 0 0 0
Other Consumer Loans/ Loans 0.01 0.02 0.01 0.01 0.02
Consumer Loans/ Loans 0.62 1.30 1.61 NA 1.25
Commercial Loans/ Loans 0.05 0.05 0.05 0.06 0.07
Foreign Loans/ Loans 0 0 0 0 0
Other Loans/ Loans 0.02 0.02 0.02 0.01 0.05
Unearned Income and Other Adjustments/ Loans 0.72 0.63 0.61 0.60 0.52
Deposit Composition (%)
Total Deposits($000) 892,969 841,271 907,598 926,521 926,384
Deposit Growth 6.15 (7.31) (2.04) 0.01 0.25
Transaction Acct Deps/Tot Deps 45.83 41.38 38.07 36.41 33.37
Savings Acct Deps/Tot Deposits 30.66 31.43 31.93 30.86 29.72
Money Mkt Deps/Tot Deposits 4.48 4.24 3.82 3.81 3.57
MMDA & Savings/Total Deposits 35.14 35.66 35.75 34.68 33.29
Retail Time Deps/Tot Deposits 9.20 11.20 12.83 14.54 16.48
Jumbo Time Deposits/ Deposits 9.83 11.76 13.35 14.37 16.86
Tot Time Deposits/Tot Deposits 19.04 22.96 26.18 28.91 33.34
Foreign Deposits/Total Deposits 0 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0 0
Non-CDs/Total Deposits 80.96 77.04 73.82 71.09 66.66
Core Deposits/Total Deposits 90.17 88.24 86.65 85.63 83.14
Noninterest-bearing Deposits/ Deposits 13.30 10.72 9.49 8.41 7.68
Interest-bearing Deposits/ Deposits 86.70 89.28 90.51 91.59 92.32
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.