CASH 2017 Annual Report

6 The following table shows the composition of the Company’s loan portfolio by fixed and adjustable rate at the dates indicated. September 30, 2017 2016 2015 2014 2013 Amount Percent Amount Percent Amount Percent Amount Percent Amount Percent (Dollars in Thousands) Fixed Rate Loans: Real Estate: 1-4 Family $ 185,596 14.0% $ 152,232 16.5% $ 116,171 16.3% $ 105,870 21.2% $ 75,477 19.6% Commercial & Multi-Family 566,156 42.6% 404,888 43.7% 284,586 39.9% 203,840 40.8% 173,373 45.1% Agricultural 57,863 4.4% 59,455 6.4% 59,219 8.3% 49,643 10.0% 22,433 5.8% Total Fixed-Rate Real Estate Loans 809,615 61.0% 616,575 66.6% 459,976 64.5% 359,353 72.0% 271,283 70.5% Consumer 24,656 1.9% 23,024 2.5% 20,842 2.9% 19,279 3.9% 20,129 5.2% Agricultural Operating 22,556 1.7% 27,196 2.9% 35,802 5.0% 24,991 5.0% 23,137 6.0% Commercial Operating 13,935 1.1% 12,393 1.4% 15,520 2.2% 13,659 2.7% 8,070 2.1% Premium Finance 250,459 18.9% 171,604 18.5% 106,505 15.0% — —% — —% Total Fixed-Rate Loans 1,121,221 84.6% 850,792 91.9% 638,645 89.6% 417,282 83.6% 322,619 83.8% Adjustable Rate Loans: Real Estate: 1-4 Family 11,110 0.8% 10,066 1.1% 8,850 1.2% 10,525 2.1% 6,810 1.8% Commercial & Multi-Family 19,354 1.5% 18,044 1.9% 25,613 3.6% 20,461 4.1% 19,413 5.0% Agricultural 3,937 0.3% 4,157 0.5% 5,097 0.7% 6,429 1.3% 7,119 1.9% Total Adjustable Real Estate Loans 34,401 2.6% 32,267 3.5% 39,560 5.5% 37,415 7.5% 33,342 8.7% Consumer 138,348 10.4% 14,070 1.5% 12,685 1.8% 10,050 2.0% 10,185 2.6% Agricultural Operating 11,038 0.8% 9,887 1.1% 7,824 1.1% 17,267 3.5% 10,613 2.8% Commercial Operating 21,824 1.6% 18,878 2.0% 14,373 2.0% 17,187 3.4% 8,194 2.1% Total Adjustable Loans 205,611 15.4% 75,102 8.1% 74,442 10.4% 81,919 16.4% 62,334 16.2% Total Loans 1,326,832 100.0% 925,894 100.0% 713,087 100.0% 499,201 100.0% 384,953 100.0% Deferred Fees and Discounts (1,461) (789) (577) (797) (595) Allowance for Loan Losses (7,534) (5,635) (6,255) (5,397) (3,930) Total Loans Receivable, Net $1,317,837 $ 919,470 $ 706,255 $ 493,007 $ 380,428