Citizens Bank Of Amsterdam Mortgage Rates, Fees & Info
Butler, MOLEI: 54930023OB56DYOL3G92
Tax ID: 44-0200030
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Mortgage Data
Bank Data
Review & Overview
Citizens Bank Of Amsterdam is a smaller bank specializing in Home Purchase and Refi loans. Citizens Bank Of Amsterdam has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Emporia, and Pittsburg among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank Of Amsterdam has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
94Origination Dollar Volume (All Markets)
$11,350,000Employee count
41Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 59 | $7,625,000 | $129,237 | $0 | 0.00% |
| Outside of Metro Areas | 32 | $3,500,000 | $109,375 | $0 | 0.00% |
| Emporia, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| Pittsburg, KS (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 94 | $11,350,000 | $120,745 | $0 | 0.00% |
For 2021, Citizens Bank Of Amsterdam's most frequently originated type of loan was Conventional, with 94 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 46 | $5,000,000 | $108,696 | $0 | 0.00% |
| Refi | 45 | $6,235,000 | $138,556 | $0 | 0.00% |
| Home Improvement | 3 | $115,000 | $38,333 | $0 | 0.00% |
For 2021, Citizens Bank Of Amsterdam's most frequently cited loan purpose was Home Purchase, with 46 originations. The 2nd most popular reason was Refi, with 45 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 94 | $11,350,000 | $120,745 | $0 | 0.00% |
For 2021, Citizens Bank Of Amsterdam's most frequently cited loan duration was Other, with 94 originations.
Loan Sizing
2021 saw Citizens Bank Of Amsterdam place emphasis on $100,000 or less loans with 45 originations, totaling $2,175,000 in origination value.
Applicant Income
Citizens Bank Of Amsterdam lent most frequently to those with incomes in the $50k or less range, with 29 originations. The second most popular income band? $75k-100k, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 94 | $11,350,000 | $120,745 | $0 | 0.00% |
Citizens Bank Of Amsterdam lent most frequently to those with DTI ratios of Exempt%, with 94 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.54%
Citizens Bank Of Amsterdam has a below average approval rate.
Pick Rate
Approvals leading to origination89.36%
Citizens Bank Of Amsterdam has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 94 | $11,350,000 | $120,745 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 54 | 15.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 22 | 6.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Improper use of your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Incorrect information on your report | 6 | 1.7% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 27 | 7.8% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 116 | 33.4% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 2.0% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Closing on a mortgage | 4 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Struggling to pay mortgage | 15 | 4.3% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Trouble during payment process | 19 | 5.5% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 7 | 2.0% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 4 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 27 | 7.8% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 1.4% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Closing on a mortgage | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Improper use of your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Incorrect information on your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Struggling to pay mortgage | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Trouble during payment process | 13 | 3.7% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Struggling to pay mortgage | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 3 | 0.9% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Citizens Bank | 105 Old Highway 71 Adrian, MO 64720 | Full Service B&M | $13,983 |
| Citizens Bank | 13150 Nw Main St. Amsterdam, MO 64723 | Full Service B&M | $7,494 |
| Citizens Bank | 134 South Main Liberal, MO 64762 | Full Service B&M | $14,706 |
| Citizens Bank | 19 S. Orange Street Butler, MO 64730 | Full Service B&M | $33,833 |
| Citizens Bank | 218 South Second Street Drexel, MO 64742 | Full Service B&M | $13,304 |
| Citizens Bank | 2205 S. Main St Fort Scott, KS 66701 | Full Service B&M | $4,949 |
| Citizens Bank | 306 East Main Street Cleveland, MO 64734 | Full Service B&M | $20,181 |
| Citizens Bank | 601 Main Street Mindenmines, MO 64769 | Full Service B&M | $16,750 |
| Citizens Bank | 606 East Walnut Rich Hill, MO 64779 | Full Service B&M | $33,525 |
| Citizens Bank | Fifth And Osage Avenue Rockville, MO 64780 | Full Service B&M | $7,227 |
| Citizens Bank | Main Street Hume, MO 64752 | Full Service B&M | $10,431 |
For 2021, Citizens Bank Of Amsterdam had 11 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $7,717 |
| Net interest income | $7,082 |
| Total noninterest income | $906 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $193 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $713 |
| Pre-tax net operating income | $2,823 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $2,823 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $2,823 |
| Minority interest net income | $0 |
| Net income | $2,823 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $2,823 |
Citizens Bank Of Amsterdam's gross interest income from loans was $7,717,000.
Citizens Bank Of Amsterdam's net interest income from loans was $7,082,000.
Citizens Bank Of Amsterdam's fee based income from loans was $193,000.
Citizens Bank Of Amsterdam's net income from loans was $2,823,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $635 |
| Provision for credit losses | $72 |
| Total noninterest expense | $5,093 |
| Salaries and employee benefits | $2,935 |
| Premises and equipment expense | $700 |
| Additional noninterest expense | $1,458 |
| Applicable income taxes | $0 |
| Net charge-offs | $26 |
| Cash dividends | $2,500 |
Citizens Bank Of Amsterdam's interest expense for loans was $635,000.
Citizens Bank Of Amsterdam's payroll and benefits expense were $2,935,000.
Citizens Bank Of Amsterdam's property, plant and equipment expenses $700,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $174,339 |
| Deposits held in domestic offices | $174,339 |
| Deposits by Individuals, partnerships, and corporations | $146,884 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $27,455 |
| 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 | $96,286 |
| Demand deposits | $59,402 |
| Nontransaction accounts | $78,053 |
| Money market deposit accounts (MMDAs) | $11,703 |
| Other savings deposits (excluding MMDAs) | $32,234 |
| Total time deposits | $34,116 |
| Total time and savings deposits | $114,937 |
| Noninterest-bearing deposits | $59,026 |
| Interest-bearing deposits | $115,313 |
| Retail deposits | $169,703 |
| IRAs and Keogh plan accounts | $4,021 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $188,764 |
| Cash & Balances due from depository institutions | $15,693 |
| Interest-bearing balances | $12,110 |
| Total securities | $11,376 |
| Federal funds sold & reverse repurchase | $24,886 |
| Net loans and leases | $125,179 |
| Loan and leases loss allowance | $1,233 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,030 |
| Other real estate owned | $606 |
| Goodwill and other intangibles | $483 |
| All other assets | $4,511 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $188,764 |
| Total Liabilities | $174,478 |
| Total deposits | $174,339 |
| Interest-bearing deposits | $115,313 |
| Deposits held in domestic offices | $174,339 |
| % insured (estimated) | $85 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $139 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $125,179 |
| Loan and leases loss allowance | $1,233 |
| Total loans and leases (domestic) | $126,412 |
| All real estate loans | $105,192 |
| Real estate loans in domestic offices | $105,192 |
| Construction and development loans | $5,807 |
| Residential 1-4 family construction | $4,315 |
| Other construction, all land development and other land | $1,492 |
| Loans secured by nonfarm nonresidential properties | $19,160 |
| Nonfarm nonresidential secured by owner-occupied properties | $14,601 |
| Commercial real estate & other non-farm, non-residential | $4,559 |
| Multifamily residential real estate | $486 |
| 1-4 family residential loans | $40,499 |
| Farmland loans | $39,240 |
| Loans held in foreign offices | $0 |
| Farm loans | $6,061 |
| Commercial and industrial loans | $11,648 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $3,487 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $2,413 |
| Other loans to individuals | $1,074 |
| All other loans & leases | $25 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $25 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $26 |
| Non 1-4 family restructured loans & leases | $26 |
| Total loans and leases (foreign) | $0 |
Citizens Bank of Amsterdam had $125,179,000 of loans outstanding in 2021. $105,192,000 of loans were in real estate loans. $5,807,000 of loans were in development loans. $486,000 of loans were in multifamily mortgage loans. $40,499,000 of loans were in 1-4 family mortgage loans. $6,061,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,413,000 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 | 116 | $17,482 | $150,707 |
| Nonfarm, nonresidential loans - <$100k | 55 | $1,730 | $31,455 |
| Nonfarm, nonresidential loans - $100-250k | 33 | $4,521 | $137,000 |
| Nonfarm, nonresidential loans - $250k-1MM | 28 | $11,231 | $401,107 |
| Commercial & Industrial, US addressed loans - <$1MM | 147 | $7,579 | $51,558 |
| Commercial & Industrial, US addressed loans - <$100k | 120 | $2,617 | $21,808 |
| Commercial & Industrial, US addressed loans - $100-250k | 15 | $1,468 | $97,867 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 12 | $3,494 | $291,167 |
| Farmland loans - <$1MM | 197 | $21,873 | $111,030 |
| Farmland loans - <$100k | 82 | $2,579 | $31,451 |
| Farmland loans - $100-250k | 79 | $9,455 | $119,684 |
| Farmland loans - $250k-1MM | 36 | $9,839 | $273,306 |
| Agriculture operations loans - <$1MM | 180 | $5,423 | $30,128 |
| Agriculture operations loans - <$100k | 161 | $3,402 | $21,130 |
| Agriculture operations loans - $100-250k | 17 | $1,482 | $87,176 |
| Agriculture operations loans - $250k-1MM | 2 | $539 | $269,500 |