CASH 2018 Annual Report

8 The following table shows the composition of the Company’s loan and lease portfolio by fixed- and adjustable-rate at the dates indicated. September 30, 2018 2017 2016 2015 2014 (Dollars in thousands) Amount Percent Amount Percent Amount Percent Amount Percent Amount Percent Fixed-rate loans and leases: National Lending Commercial finance $ 956,920 32.5% $ 250,459 18.9% $ 171,604 18.5% $ 106,505 14.9% $ — —% Consumer finance 21,093 0.7% 16,489 1.2% 14,300 1.5% 12,811 1.8% 10,948 2.2% Tax services (1) 1,073 —% — —% — —% — —% — —% Total National Lending 979,086 33.2% 266,948 20.1% 185,904 20.0% 119,316 16.7% 10,948 2.2% Community Banking Commercial and multi-family real estate 729,290 24.8% 566,157 42.7% 404,888 43.7% 284,586 39.9% 203,840 40.8% 1-4 family real estate 210,965 7.2% 185,597 14.0% 152,232 16.4% 116,171 16.3% 105,870 21.2% Agricultural 46,940 1.6% 80,419 6.1% 86,651 9.4% 95,021 13.3% 74,634 15.0% Commercial operating 19,968 0.7% 13,935 1.1% 12,393 1.3% 15,520 2.2% 13,659 2.7% Consumer 9,198 0.3% 8,168 0.6% 8,724 0.9% 8,031 1.1% 8,331 1.7% Total Community Banking 1,016,361 34.6% 854,274 64.5% 664,888 71.7% 519,329 72.8% 406,334 81.4% Total fixed-rate loans and leases 1,995,447 67.8% 1,121,222 84.5% 850,792 91.7% 638,645 89.5% 417,282 83.6% Adjustable-rate loans and leases: National Lending Commercial finance 552,929 18.8% 4,849 0.4% 2,430 0.3% — —% — —% Consumer finance 314,268 10.6% 123,742 9.3% — —% 450 0.1% 985 0.2% Tax services (1) — —% 192 —% 190 —% — —% — —% Total National Lending 867,197 29.4% 128,783 9.7% 2,620 0.3% 450 0.1% 985 0.2% Community Banking Commercial and multi-family real estate 19,289 0.6% 19,354 1.5% 18,044 1.9% 25,613 3.6% 20,461 4.1% 1-4 family real estate 12,517 0.4% 11,110 0.8% 10,066 1.1% 8,850 1.2% 10,525 2.1% Agricultural 13,558 0.5% 14,975 1.1% 14,044 1.5% 12,921 1.8% 23,696 4.7% Commercial operating 22,343 0.8% 16,782 1.3% 16,258 1.8% 14,373 2.0% 17,187 3.4% Consumer 14,638 0.5% 14,606 1.1% 14,070 1.5% 12,235 1.7% 9,065 1.8% Total Community Banking 82,345 2.8% 76,827 5.8% 72,482 7.8% 73,992 10.3% 80,934 16.1% Total adjustable-rate loans and leases 949,542 32.2% 205,610 15.5% 75,102 8.1% 74,442 10.4% 81,919 16.3% Total loans and leases 2,944,989 100.0% 1,326,832 100.0% 925,894 99.8% 713,087 99.9% 499,201 99.9% Deferred fees and discounts (250) (1,461) (789) (577) (797) Allowance for loan and lease losses (13,040) (7,534) (5,635) (6,255) (5,397) Total loans and leases receivable, net $ 2,931,699 $ 1,317,837 $ 919,470 $ 706,255 $ 493,007 (1) Certain tax services loans do not bear interest.