Deposit Loan Composition

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) 922,117 887,001 1,006,368 1,029,506 1,038,150
Gross Loans HFI Growth 5.28 (2.53) (0.32) 7.57 3.13
1-4 Family Loans/ Loans 34.69 35.35 32.99 NA 37.01
Multifamily Loans/ Loans 51.61 49.50 52.30 52.57 48.97
Commercial Real Estate Loans/ Loans 11.46 12.62 12.06 10.69 11.73
Commercial & Multifamily Real Estate Loans/ Loans 63.08 62.12 64.36 63.26 60.70
Real Estate Loans/ Loans 97.76 97.46 97.35 NA 97.71
Construction & Development Loans/ Loans 0.69 0.52 0.35 0.77 0.40
Home Equity Loans/ Loans 0.74 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 0.75 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) 835,831 841,271 907,598 926,521 926,384
Deposit Growth (0.86) (7.31) (2.04) 0.01 0.25
Transaction Acct Deps/Tot Deps 42.71 41.38 38.07 36.41 33.37
Savings Acct Deps/Tot Deposits 31.31 31.43 31.93 30.86 29.72
Money Mkt Deps/Tot Deposits 3.78 4.24 3.82 3.81 3.57
MMDA & Savings/Total Deposits 35.08 35.66 35.75 34.68 33.29
Retail Time Deps/Tot Deposits 10.30 11.20 12.83 14.54 16.48
Jumbo Time Deposits/ Deposits 11.91 11.76 13.35 14.37 16.86
Tot Time Deposits/Tot Deposits 22.21 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 77.79 77.04 73.82 71.09 66.66
Core Deposits/Total Deposits 88.09 88.24 86.65 85.63 83.14
Noninterest-bearing Deposits/ Deposits 10.36 10.72 9.49 8.41 7.68
Interest-bearing Deposits/ Deposits 89.64 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.