Central National Bank Mortgage Rates, Fees & Info
Junction City, KS
LEI: 254900L3UJN7196A5W71
Tax ID: 48-1174053
5 stars
-
out of 5 stars, based on 31 reviews
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Mortgage Data
Bank Data
Overview
Central National Bank is a
smaller
bank
specializing in
Home Purchase and Refi loans.
Central National Bank has a high proportion of conventional loans.
They have a a low proportion of FHA loans. (This may mean they shy away from
first time homebuyers.)
Their top markets include Omaha, Kansas City, Manhattan, Topeka, and Wichita among others. Central National Bank has
an above average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
Central National Bank is typically
a low fee
lendor.
Originations
974
Origination Dollar Volume (All Markets)
$185,330,000
Employee count
275
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Central National Bank - 2021
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Relative Rate
Central National Bank's average 30 year fixed rate mortgage of loans were
2.97%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.18%.
Relative Fees
Central National Bank's average total fees for a 30 year fixed rate
mortgage are $2,166.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
|
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA)
|
123
|
$29,565,000 |
$240,366 |
$1,635 |
2.83% |
|
KANSAS CITY, MO-KS (FHA|USDA|VA)
|
129
|
$28,195,000 |
$218,566 |
$1,767 |
2.84% |
|
MANHATTAN, KS (FHA|USDA|VA)
|
146
|
$26,870,000 |
$184,041 |
$2,207 |
3.04% |
|
Outside of Metro Areas
|
154 |
$20,910,000 |
$135,779 |
$2,039 |
2.90% |
|
TOPEKA, KS (FHA|USDA|VA)
|
122
|
$20,780,000 |
$170,328 |
$2,248 |
2.80% |
|
WICHITA, KS (FHA|USDA|VA)
|
82
|
$20,690,000 |
$252,317 |
$2,038 |
3.18% |
|
LAWRENCE, KS (FHA|USDA|VA)
|
48
|
$10,410,000 |
$216,875 |
$1,559 |
2.91% |
|
Salina, KS (FHA|USDA|VA)
|
53
|
$9,095,000 |
$171,604 |
$2,034 |
3.37% |
|
North Platte, NE (FHA|USDA|VA)
|
15
|
$2,325,000 |
$155,000 |
$2,044 |
2.59% |
|
LINCOLN, NE (FHA|USDA|VA)
|
10
|
$2,100,000 |
$210,000 |
$1,748 |
2.94% |
|
Great Bend, KS (FHA|USDA|VA)
|
9
|
$1,735,000 |
$192,778 |
$1,914 |
2.98% |
|
Norfolk, NE (FHA|USDA|VA)
|
12
|
$1,730,000 |
$144,167 |
$2,131 |
2.68% |
|
Ottawa, KS (FHA|USDA|VA)
|
8
|
$1,610,000 |
$201,250 |
$1,287 |
2.88% |
|
SPRINGFIELD, MO (FHA|USDA|VA)
|
10
|
$1,130,000 |
$113,000 |
$1,760 |
2.79% |
|
Kearney, NE (FHA|USDA|VA)
|
6
|
$1,100,000 |
$183,333 |
$1,479 |
2.48% |
|
GRAND ISLAND, NE (FHA|USDA|VA)
|
6
|
$920,000 |
$153,333 |
$2,003 |
2.67% |
|
Hays, KS (FHA|USDA|VA)
|
7
|
$895,000 |
$127,857 |
$1,216 |
3.54% |
|
COLUMBIA, MO (FHA|USDA|VA)
|
5
|
$625,000 |
$125,000 |
$1,535 |
3.05% |
|
Fremont, NE (FHA|USDA|VA)
|
3
|
$615,000 |
$205,000 |
$1,452 |
3.04% |
|
ST. JOSEPH, MO-KS (FHA|USDA|VA)
|
1
|
$585,000 |
$585,000 |
$0 |
3.99% |
|
McPherson, KS (FHA|USDA|VA)
|
4
|
$510,000 |
$127,500 |
$1,877 |
2.72% |
|
Hastings, NE (FHA|USDA|VA)
|
3
|
$455,000 |
$151,667 |
$1,658 |
2.75% |
|
Moberly, MO (FHA|USDA|VA)
|
3
|
$455,000 |
$151,667 |
$1,769 |
2.63% |
|
Lexington, NE (FHA|USDA|VA)
|
3
|
$425,000 |
$141,667 |
$1,764 |
3.13% |
|
Beatrice, NE (FHA|USDA|VA)
|
1
|
$285,000 |
$285,000 |
$1,766 |
2.63% |
|
Lebanon, MO (FHA|USDA|VA)
|
2
|
$210,000 |
$105,000 |
$1,939 |
2.69% |
|
Sedalia, MO (FHA|USDA|VA)
|
1
|
$185,000 |
$185,000 |
$1,773 |
2.88% |
|
Columbus, NE (FHA|USDA|VA)
|
2
|
$180,000 |
$90,000 |
$1,925 |
2.88% |
|
JEFFERSON CITY, MO (FHA|USDA|VA)
|
2
|
$180,000 |
$90,000 |
$1,721 |
2.88% |
|
Dodge City, KS (FHA|USDA|VA)
|
1
|
$175,000 |
$175,000 |
$6,544 |
2.75% |
|
Coffeyville, KS (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$1,296 |
2.63% |
|
COLORADO SPRINGS, CO (FHA|USDA|VA)
|
1
|
$125,000 |
$125,000 |
$1,344 |
2.25% |
|
JOPLIN, MO (FHA|USDA|VA)
|
1
|
$105,000 |
$105,000 |
$2,048 |
2.75% |
Central National Bank's top markets include Omaha, Kansas City, Manhattan, Topeka, and Wichita among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
878 |
$165,430,000 |
$188,417 |
$1,650 |
2.95% |
| VA |
51 |
$12,225,000 |
$239,706 |
$4,529 |
2.73% |
| FHA |
45 |
$7,675,000 |
$170,556 |
$4,045 |
2.83% |
For the 2021 period, Central National Bank's most frequently
originated loan type
of loans were Conventional, with 878 originations.
Their 2nd most popular type is VA,
with 51 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Home Purchase |
423 |
$87,885,000 |
$207,766 |
$1,990 |
3.08% |
| Refi |
338 |
$61,720,000 |
$182,604 |
$1,612 |
2.78% |
| Cash Out Refi |
201 |
$34,065,000 |
$169,478 |
$2,368 |
2.84% |
| Other |
7 |
$1,065,000 |
$152,143 |
$2,328 |
2.98% |
| Home Improvement |
5 |
$595,000 |
$119,000 |
$0 |
4.22% |
For the 2021, Central National Bank's most frequently cited loan
purpose
of loans were Home Purchase, with 423
originations.
The 2nd most popular reason of loans were Refi,
with 338 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 30 Year |
502 |
$102,360,000 |
$203,904 |
$2,166 |
2.97% |
| 15 Year |
309 |
$46,625,000 |
$150,890 |
$1,652 |
2.53% |
| 20 Year |
136 |
$27,140,000 |
$199,559 |
$1,664 |
3.42% |
| Other |
14 |
$7,770,000 |
$555,000 |
$2,392 |
4.29% |
| 1 Year |
5 |
$575,000 |
$115,000 |
$0 |
4.55% |
| 5 Year |
5 |
$365,000 |
$73,000 |
$0 |
4.34% |
| 10 Year |
2 |
$370,000 |
$185,000 |
$0 |
4.66% |
| 3 Year |
1 |
$125,000 |
$125,000 |
$0 |
4.42% |
For the 2021, Central National Bank's most frequently cited loan
length
of loans were 30 Year, with 502 originations.
The 2nd most popular length of loans were 15 Year,
with 309 originations.
Origination Fees
| Origination Fee |
Originations |
Total Value |
Average Loan |
| $<1k |
732 |
$132,030,000 |
$180,369 |
| $1k-2k |
86 |
$17,040,000 |
$198,140 |
| $3k-4k |
15 |
$4,015,000 |
$267,667 |
| $2k-3k |
14 |
$3,260,000 |
$232,857 |
| $5k+ |
3 |
$1,095,000 |
$365,000 |
$2,166 of loans were Central National Bank's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 732 originations.
Interest Rates
| Loan Rate |
Originations |
Total Value |
Average Loan |
| 2.5-3% |
463 |
$91,575,000 |
$197,786 |
| <2.5% |
247 |
$39,625,000 |
$160,425 |
| 3-4% |
200 |
$42,890,000 |
$214,450 |
| 4-5% |
60 |
$10,890,000 |
$181,500 |
| 5-6% |
4 |
$350,000 |
$87,500 |
During 2021, Central National Bank's average interest
rate of loans were 2.97%, while their
most frequently originated rate bucket of loans were 2.5-3%,
with 463 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-200k |
433 |
$63,635,000 |
$146,963 |
$1,845 |
2.90% |
| $200k-400k |
288 |
$77,150,000 |
$267,882 |
$2,133 |
2.87% |
| $100,000 or less |
207 |
$14,695,000 |
$70,990 |
$1,525 |
3.03% |
| $400k-600k |
36 |
$16,910,000 |
$469,722 |
$3,662 |
3.01% |
| $600k-1MM |
6 |
$4,820,000 |
$803,333 |
$0 |
4.12% |
| $1MM+ |
4 |
$8,120,000 |
$2,030,000 |
$0 |
3.97% |
2021 saw Central National Bank place emphasis on
$100k-200k loans
with 433 originations, totaling
$63,635,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $50k-75k |
228 |
$32,930,000 |
$144,430 |
$1,878 |
2.84% |
| $75k-100k |
198 |
$35,410,000 |
$178,838 |
$2,009 |
2.89% |
| $100k-150k |
197 |
$42,945,000 |
$217,995 |
$2,081 |
2.82% |
| $50k or less |
153 |
$16,765,000 |
$109,575 |
$1,600 |
2.88% |
| $150k-250k |
115 |
$30,055,000 |
$261,348 |
$2,104 |
2.80% |
| $250k+ |
13 |
$4,085,000 |
$314,231 |
$2,224 |
3.26% |
Central National Bank lent most frequently to those with incomes in the
$50k-75k range, with
228 originations.
The second most popular income band? $75k-100k,
with 198 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-30% |
287 |
$51,145,000 |
$178,206 |
$1,833 |
2.77% |
| 30-36% |
145 |
$27,585,000 |
$190,241 |
$1,900 |
2.81% |
| <20% |
128 |
$20,260,000 |
$158,281 |
$1,744 |
2.72% |
| 37% |
37 |
$7,115,000 |
$192,297 |
$1,985 |
2.87% |
| 39% |
29 |
$5,795,000 |
$199,828 |
$1,791 |
2.83% |
| 38% |
29 |
$5,385,000 |
$185,690 |
$1,872 |
2.85% |
| 43% |
26 |
$5,210,000 |
$200,385 |
$2,294 |
2.82% |
| 42% |
24 |
$4,590,000 |
$191,250 |
$2,421 |
2.91% |
| 40% |
21 |
$3,605,000 |
$171,667 |
$2,516 |
2.85% |
| 47% |
20 |
$3,750,000 |
$187,500 |
$1,608 |
2.72% |
| 36% |
20 |
$3,730,000 |
$186,500 |
$2,117 |
2.89% |
| 41% |
19 |
$3,015,000 |
$158,684 |
$1,982 |
2.75% |
| 45% |
17 |
$3,735,000 |
$219,706 |
$2,768 |
2.80% |
| 50-60% |
16 |
$3,060,000 |
$191,250 |
$2,584 |
2.75% |
| 44% |
15 |
$2,625,000 |
$175,000 |
$1,822 |
2.91% |
| 46% |
14 |
$2,700,000 |
$192,857 |
$2,233 |
2.88% |
| 48% |
12 |
$3,320,000 |
$276,667 |
$1,963 |
2.88% |
| 49% |
10 |
$1,450,000 |
$145,000 |
$2,126 |
2.79% |
Central National Bank lent most frequently to those with DTI ratios
of 20-30%, with
287 originations.
The next most common DTI ratio? 30-36%,
with 145 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| White |
849 |
$149,125,000 |
$175,648 |
$1,938 |
2.86% |
| Not applicable |
52 |
$19,600,000 |
$376,923 |
$0 |
4.15% |
| Black |
28 |
$6,050,000 |
$216,071 |
$2,417 |
2.66% |
| Asian |
15 |
$3,685,000 |
$245,667 |
$1,626 |
3.27% |
| Not provided |
12 |
$2,940,000 |
$245,000 |
$2,330 |
2.63% |
| Asian Indian |
4 |
$1,250,000 |
$312,500 |
$1,350 |
3.14% |
| American Indian |
3 |
$675,000 |
$225,000 |
$2,839 |
3.00% |
| Other Asian |
3 |
$625,000 |
$208,333 |
$754 |
3.13% |
| Native Hawaiian |
2 |
$380,000 |
$190,000 |
$1,226 |
3.38% |
| Other Pacific Islander |
1 |
$345,000 |
$345,000 |
$870 |
2.88% |
| Chinese |
1 |
$245,000 |
$245,000 |
$635 |
2.13% |
| Vietnamese |
2 |
$170,000 |
$85,000 |
$1,276 |
2.81% |
| Native Hawiian |
1 |
$145,000 |
$145,000 |
$0 |
4.50% |
| Korean |
1 |
$95,000 |
$95,000 |
$500 |
2.88% |
Approval Rates
Total approvals of all applications
90.06%
Central National Bank has an average approval rate.
Pick Rate
Approvals leading to origination
88.46%
Central National Bank has an average pick rate.
Points and Fees
| Points |
Originations |
Total Value |
Average Loan |
| NA |
974 |
$185,330,000 |
$190,277 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
974 |
$185,330,000 |
$190,277 |
LTV Distribution
| Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-40% |
57 |
$8,795,000 |
$154,298 |
$1,688 |
2.88% |
| 40-60% |
173 |
$26,685,000 |
$154,249 |
$1,545 |
2.80% |
| 60-80% |
386 |
$78,810,000 |
$204,171 |
$1,809 |
3.02% |
| 80-100% |
330 |
$65,840,000 |
$199,515 |
$2,129 |
2.91% |
| Over 100% |
9 |
$1,975,000 |
$219,444 |
$7,377 |
2.68% |
| Under 20% |
10 |
$1,170,000 |
$117,000 |
$1,638 |
3.65% |
Complaints
| Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
| Central Mortgage Funding, LLC |
Conventional home mortgage |
Applying for a mortgage or refinancing an existing mortgage |
1 |
100.0% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| Central National Bank |
1555 East Santa Fe Street Gardner, KS 66030 |
Full Service B&M
|
$11,230 |
| Central National Bank |
100 Rimrock Junction City, KS 66441 |
Limited, Administrative
|
$0 |
| Central National Bank |
101 East Bluemont Avenue Manhattan, KS 66502 |
Full Service Retail
|
$7,932 |
| Central National Bank |
101 North Main Street Halstead, KS 67056 |
Full Service B&M
|
$22,660 |
| Central National Bank |
101 South Broadway Herington, KS 67449 |
Full Service B&M
|
$47,502 |
| Central National Bank |
1010 Lincoln Avenue Wamego, KS 66547 |
Full Service B&M
|
$131 |
| Central National Bank |
116 West 8th Street Junction City, KS 66441 |
Limited, Drive-thru
|
$0 |
| Central National Bank |
120 East Main Beloit, KS 67420 |
Full Service B&M
|
$25,422 |
| Central National Bank |
130 East Seventh Street Concordia, KS 66901 |
Full Service B&M
|
$87,475 |
| Central National Bank |
1403 College Avenue Manhattan, KS 66502 |
Full Service B&M
|
$37,525 |
| Central National Bank |
1501 Sw Wanamaker Road Topeka, KS 66604 |
Full Service B&M
|
$2,636 |
| Central National Bank |
454 South Ohio Salina, KS 67401 |
Full Service B&M
|
$41,582 |
| Central National Bank |
4838 West Central Wichita, KS 67212 |
Full Service B&M
|
$44,329 |
| Central National Bank |
521 East Chestnut Street Junction City, KS 66441 |
Full Service Retail
|
$7,757 |
| Central National Bank |
540 West 6th Street Junction City, KS 66441 |
Full Service B&M
|
$6,013 |
| Central National Bank |
603 West 9th Street Lawrence, KS 66044 |
Full Service B&M
|
$16,104 |
| Central National Bank |
626 North Main Newton, KS 67114 |
Full Service B&M
|
$25,435 |
| Central National Bank |
711 East Lincoln Hesston, KS 67062 |
Full Service B&M
|
$19,085 |
| Central National Bank |
711 Wakarusa Lawrence, KS 66047 |
Full Service B&M
|
$39,964 |
| Central National Bank |
800 Quincy Topeka, KS 66601 |
Full Service B&M
|
$34,799 |
| Central National Bank |
800 Se Quincy Topeka, KS 66612 |
Full Service Cyber Office
|
$3,250 |
| Central National Bank |
802 North Washington Street Junction City, KS 66441 |
Full Service B&M
|
$260,206 |
| Central National Bank |
1801 W. Ash Street Junction City, KS 66441 |
Full Service B&M
|
$13,156 |
| Central National Bank |
1916 N. Main Street Great Bend, KS 67530 |
Full Service B&M
|
$7,901 |
| Central National Bank |
201 South Fourth Street Burlington, KS 66839 |
Full Service B&M
|
$39,830 |
| Central National Bank |
206 North Main Hillsboro, KS 67063 |
Full Service B&M
|
$47,191 |
| Central National Bank |
208 East South Mankato, KS 66956 |
Full Service B&M
|
$33,273 |
| Central National Bank |
231 East Main Marion, KS 66861 |
Full Service B&M
|
$68,833 |
| Central National Bank |
2604 General Hays Rd, Ste B Hays, KS 67601 |
Full Service B&M
|
$5,470 |
| Central National Bank |
2900 South 9th Salina, KS 67402 |
Full Service Retail
|
$6,896 |
| Central National Bank |
3300 Iowa St. P.O. Box 4404 Lawrence, KS 66046 |
Full Service B&M
|
$12,300 |
| Central National Bank |
3503 10th Street Great Bend, KS 67530 |
Full Service B&M
|
$3,593 |
| Central National Bank |
411 N National Ave, Mortgage Department Superior, NE 68978 |
Limited, Administrative
|
$0 |
| Central National Bank |
411 North National Street Superior, NE 68978 |
Full Service B&M
|
$76,515 |
For 2021, Central National Bank had 34 branches.
Yearly Performance Overview
Bank Income
Central National Bank's gross interest income from loans was $39,217,000.
Central National Bank's net interest income from loans was $37,488,000.
Central National Bank's fee based income from loans was $4,329,000.
Central National Bank's net income from loans was $15,082,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$1,729 |
| Provision for credit losses |
$2,750 |
| Total noninterest expense |
$40,178 |
| Salaries and employee benefits |
$23,918 |
| Premises and equipment expense |
$4,771 |
| Additional noninterest expense |
$11,489 |
| Applicable income taxes |
$3,842 |
| Net charge-offs |
$2,442 |
| Cash dividends |
$8,000 |
Central National Bank's interest expense for loans was $1,729,000.
Central National Bank's payroll and benefits expense were $23,918,000.
Central National Bank's property, plant and equipment expenses $4,771,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$1,117,528 |
| Deposits held in domestic offices |
$1,117,528 |
| Deposits by Individuals, partnerships, and corporations |
$893,892 |
| Deposits by U.S. Government |
$0 |
| Deposits by States and political subdivisions in the U.S. |
$223,636 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$0 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$431,254 |
| Demand deposits |
$370,137 |
| Nontransaction accounts |
$686,274 |
| Money market deposit accounts (MMDAs) |
$159,735 |
| Other savings deposits (excluding MMDAs) |
$377,918 |
| Total time deposits |
$148,620 |
| Total time and savings deposits |
$747,391 |
| Noninterest-bearing deposits |
$310,502 |
| Interest-bearing deposits |
$807,025 |
| Retail deposits |
$1,079,292 |
| IRAs and Keogh plan accounts |
$18,288 |
| Brokered deposits |
$0 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$1,266,449 |
| Cash & Balances due from depository institutions |
$99,807 |
| Interest-bearing balances |
$83,948 |
| Total securities |
$508,136 |
| Federal funds sold & reverse repurchase |
$0 |
| Net loans and leases |
$588,760 |
| Loan and leases loss allowance |
$13,171 |
| Trading account assets |
$0 |
| Bank premises and fixed assets |
$11,999 |
| Other real estate owned |
$0 |
| Goodwill and other intangibles |
$8,914 |
| All other assets |
$48,833 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$1,266,449 |
| Total Liabilities |
$1,138,544 |
| Total deposits |
$1,117,528 |
| Interest-bearing deposits |
$807,025 |
| Deposits held in domestic offices |
$1,117,528 |
| % insured (estimated) |
$63 |
| Federal funds purchased and repurchase agreements |
$19,184 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$383 |
| Subordinated debt |
$0 |
| All other liabilities |
$1,449 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$588,760 |
| Loan and leases loss allowance |
$13,171 |
| Total loans and leases (domestic) |
$601,931 |
| All real estate loans |
$440,424 |
| Real estate loans in domestic offices |
$440,424 |
| Construction and development loans |
$45,349 |
| Residential 1-4 family construction |
$673 |
| Other construction, all land development and other land |
$44,676 |
| Loans secured by nonfarm nonresidential properties |
$215,039 |
| Nonfarm nonresidential secured by owner-occupied properties |
$99,185 |
| Commercial real estate & other non-farm, non-residential |
$115,854 |
| Multifamily residential real estate |
$16,198 |
| 1-4 family residential loans |
$66,459 |
| Farmland loans |
$97,379 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$70,380 |
| Commercial and industrial loans |
$58,570 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$18,494 |
| Credit card loans |
$0 |
| Related Plans |
$1,400 |
| Consumer Auto Loans |
$9,805 |
| Other loans to individuals |
$7,289 |
| All other loans & leases |
$15,760 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$3,416 |
| Loans to depository institutions and acceptances of other banks |
$0 |
| Loans not secured by real estate |
$397 |
| Loans secured by real estate to non-U.S. addressees |
$0 |
| Restructured Loans & leases |
$2,402 |
| Non 1-4 family restructured loans & leases |
$1,153 |
| Total loans and leases (foreign) |
$0 |
Central National Bank had $588,760,000 of loans outstanding in 2021. $440,424,000 of loans were in real estate loans.
$45,349,000 of loans were in development loans. $16,198,000 of loans were in multifamily mortgage loans.
$66,459,000 of loans were in 1-4 family mortgage loans. $70,380,000 of loans were in farm loans. $0
of loans were in credit card loans. $9,805,000 of loans were in the auto loan category.
Small Business Loans
| Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
| Nonfarm, nonresidential loans - <$1MM |
266 |
$59,308 |
$222,962 |
| Nonfarm, nonresidential loans - <$100k |
72 |
$2,683 |
$37,264 |
| Nonfarm, nonresidential loans - $100-250k |
73 |
$8,108 |
$111,068 |
| Nonfarm, nonresidential loans - $250k-1MM |
121 |
$48,517 |
$400,967 |
| Commercial & Industrial, US addressed loans - <$1MM |
311 |
$23,713 |
$76,248 |
| Commercial & Industrial, US addressed loans - <$100k |
200 |
$4,554 |
$22,770 |
| Commercial & Industrial, US addressed loans - $100-250k |
63 |
$6,031 |
$95,730 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
48 |
$13,128 |
$273,500 |
| Farmland loans - <$1MM |
261 |
$37,621 |
$144,142 |
| Farmland loans - <$100k |
76 |
$3,251 |
$42,776 |
| Farmland loans - $100-250k |
109 |
$13,524 |
$124,073 |
| Farmland loans - $250k-1MM |
76 |
$20,846 |
$274,289 |
| Agriculture operations loans - <$1MM |
375 |
$25,912 |
$69,099 |
| Agriculture operations loans - <$100k |
203 |
$4,787 |
$23,581 |
| Agriculture operations loans - $100-250k |
118 |
$10,856 |
$92,000 |
| Agriculture operations loans - $250k-1MM |
54 |
$10,269 |
$190,167 |
