Towne Bank Mortgage Rates, Fees & Info

Portsmouth, VA

LEI: 54930039UO39UJGI7078

Tax ID: 54-1910608

2020 Data | 2019 Data | 2018 Data


Overview

Towne Bank is a mid-sized bank specializing in Home Purchase and Refi loans. Towne Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Washington, Virginia Beach, Baltimore, Frederick, and Charlotte among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Towne Bank is typically an average fee lendor.


Originations

15,004

Origination Dollar Volume (All Markets)

$4,843,920,000

Employee count

2,448

Relative Rate

Towne Bank's average 30 year fixed rate mortgage was 3.09%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.27%.

Relative Fees

Towne Bank's average total fees for a 30 year fixed rate mortgage are $5,176.

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 $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 11,472 $3,650,560,000 $318,215 $4,270 3.22%
VA 1,999 $782,915,000 $391,653 $6,647 2.74%
FHA 1,259 $342,825,000 $272,299 $8,888 3.00%
USDA 274 $67,620,000 $246,788 $6,202 2.84%

For the 2020 period, Towne Bank's most frequently originated loan type was Conventional, with 11,472 originations. Their 2nd most popular type is VA, with 1,999 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 7,885 $2,511,515,000 $318,518 $5,962 3.10%
Refi 5,365 $1,833,535,000 $341,759 $3,913 3.06%
Cash Out Refi 1,158 $382,130,000 $329,991 $4,717 3.23%
Other 352 $66,410,000 $188,665 $4,625 3.94%
Home Improvement 244 $50,330,000 $206,270 $5,159 3.88%

For the 2020, Towne Bank's most frequently cited loan purpose was Home Purchase, with 7,885 originations. The 2nd most popular reason was Refi, with 5,365 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 11,899 $3,953,445,000 $332,250 $5,176 3.09%
15 Year 926 $239,190,000 $258,305 $3,467 2.59%
30+ year 894 $224,990,000 $251,667 $13,836 3.91%
Other 402 $147,520,000 $366,965 $4,004 3.57%
20 Year 402 $116,490,000 $289,776 $3,492 3.15%
5 Year 211 $87,115,000 $412,867 $0 1.79%
1 Year 193 $39,325,000 $203,756 $6,899 4.73%
10 Year 72 $34,660,000 $481,389 $3,036 3.50%
3 Year 5 $1,185,000 $237,000 $0 4.83%

For the 2020, Towne Bank's most frequently cited loan length was 30 Year, with 11,899 originations. The 2nd most popular length was 15 Year, with 926 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 8,116 $2,650,650,000 $326,596
$<1k 2,575 $756,815,000 $293,909
$2k-3k 948 $300,940,000 $317,447
$3k-4k 855 $321,885,000 $376,474
$5k+ 417 $298,735,000 $716,391

$5,176 was Towne Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 8,116 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 2,633 $1,020,165,000 $387,453 $5,560 2.96%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 2,902 $871,450,000 $300,293 $5,286 3.44%
BALTIMORE-COLUMBIA-TOWSON, MD 2,462 $785,800,000 $319,171 $4,750 2.97%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 1,415 $516,545,000 $365,049 $4,651 3.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 937 $307,305,000 $327,967 $5,368 3.14%
RALEIGH-CARY, NC 760 $255,530,000 $336,224 $5,628 3.10%
RICHMOND, VA 993 $234,715,000 $236,370 $5,331 3.22%
Outside of Metro Areas 812 $226,680,000 $279,163 $4,413 3.28%
WILMINGTON, NC 462 $154,380,000 $334,156 $4,185 3.18%
CALIFORNIA-LEXINGTON PARK, MD 326 $99,920,000 $306,503 $5,466 2.91%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 242 $76,300,000 $315,289 $3,965 3.17%
DURHAM-CHAPEL HILL, NC 105 $39,885,000 $379,857 $4,854 3.26%
GREENVILLE, NC 179 $37,425,000 $209,078 $3,782 3.31%
SALISBURY, MD-DE 127 $36,115,000 $284,370 $4,243 2.98%
HAGERSTOWN-MARTINSBURG, MD-WV 94 $22,660,000 $241,064 $5,149 2.94%
GREENSBORO-HIGH POINT, NC 38 $13,070,000 $343,947 $3,841 3.27%
CHARLESTON-NORTH CHARLESTON, SC 18 $9,920,000 $551,111 $5,854 3.15%
YORK-HANOVER, PA 43 $9,205,000 $214,070 $4,667 2.88%
FAYETTEVILLE, NC 43 $8,815,000 $205,000 $5,586 2.68%
CHARLOTTESVILLE, VA 23 $8,025,000 $348,913 $5,614 3.23%
WILMINGTON, DE-MD-NJ 28 $7,320,000 $261,429 $5,034 2.90%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 21 $6,705,000 $319,286 $4,073 2.78%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 18 $6,230,000 $346,111 $4,048 3.09%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 16 $4,800,000 $300,000 $4,178 3.04%
WINSTON-SALEM, NC 18 $4,750,000 $263,889 $3,709 3.19%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 15 $4,615,000 $307,667 $5,339 2.93%
JACKSONVILLE, NC 19 $4,345,000 $228,684 $3,279 3.28%
ASHEVILLE, NC 15 $4,335,000 $289,000 $4,322 3.23%
WINCHESTER, VA-WV 12 $3,850,000 $320,833 $3,775 3.03%
BURLINGTON, NC 5 $3,795,000 $759,000 $3,025 2.88%
CHAMBERSBURG-WAYNESBORO, PA 13 $3,215,000 $247,308 $5,535 2.92%
CAPE CORAL-FORT MYERS, FL 7 $2,865,000 $409,286 $4,862 2.79%
NEW BERN, NC 9 $2,735,000 $303,889 $5,218 2.59%
GETTYSBURG, PA 11 $2,565,000 $233,182 $5,318 2.94%
HICKORY-LENOIR-MORGANTON, NC 6 $2,540,000 $423,333 $4,332 3.52%
PENSACOLA-FERRY PASS-BRENT, FL 9 $2,425,000 $269,444 $3,548 2.79%
ROANOKE, VA 7 $2,295,000 $327,857 $3,274 3.07%
PALM BAY-MELBOURNE-TITUSVILLE, FL 6 $2,180,000 $363,333 $7,060 3.40%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 9 $1,955,000 $217,222 $3,832 3.25%
GREENVILLE-ANDERSON, SC 4 $1,910,000 $477,500 $4,530 3.72%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 6 $1,880,000 $313,333 $5,176 3.19%
HILTON HEAD ISLAND-BLUFFTON, SC 4 $1,870,000 $467,500 $10,249 2.69%
NAPLES-MARCO ISLAND, FL 5 $1,715,000 $343,000 $3,977 3.00%
HARRISBURG-CARLISLE, PA 7 $1,635,000 $233,571 $3,877 3.00%
LYNCHBURG, VA 11 $1,625,000 $147,727 $3,535 3.03%
NORTH PORT-SARASOTA-BRADENTON, FL 7 $1,595,000 $227,857 $3,169 3.63%
JACKSONVILLE, FL 4 $1,530,000 $382,500 $4,435 3.00%
PITTSBURGH, PA 6 $1,390,000 $231,667 $4,631 2.94%
PHILADELPHIA, PA 6 $1,340,000 $223,333 $4,876 2.94%
ROCKY MOUNT, NC 8 $1,160,000 $145,000 $4,000 2.72%
GOLDSBORO, NC 5 $1,135,000 $227,000 $4,866 2.85%
LANCASTER, PA 4 $1,080,000 $270,000 $4,075 3.09%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 4 $1,040,000 $260,000 $4,221 2.88%
STAUNTON, VA 4 $1,010,000 $252,500 $5,203 2.81%
STATE COLLEGE, PA 1 $905,000 $905,000 $4,677 2.75%
ORLANDO-KISSIMMEE-SANFORD, FL 3 $895,000 $298,333 $2,704 3.04%
BLACKSBURG-CHRISTIANSBURG, VA 4 $750,000 $187,500 $3,766 3.69%
SEBASTIAN-VERO BEACH, FL 2 $720,000 $360,000 $3,763 3.00%
JOHNSON CITY, TN 2 $670,000 $335,000 $4,030 3.06%
DOVER, DE 4 $660,000 $165,000 $3,598 2.25%
PUNTA GORDA, FL 3 $605,000 $201,667 $3,391 2.96%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 2 $590,000 $295,000 $3,221 3.92%
BRUNSWICK, GA 2 $580,000 $290,000 $5,689 3.44%
CHATTANOOGA, TN-GA 3 $535,000 $178,333 $3,165 3.21%
DENVER-AURORA-LAKEWOOD, CO 1 $505,000 $505,000 $0 4.00%
MEMPHIS, TN-MS-AR 2 $490,000 $245,000 $3,546 3.31%
AUGUSTA-RICHMOND COUNTY, GA-SC 3 $485,000 $161,667 $6,990 2.67%
ALTOONA, PA 1 $445,000 $445,000 $10,320 2.63%
PANAMA CITY, FL 2 $440,000 $220,000 $3,832 2.94%
COLUMBIA, SC 2 $420,000 $210,000 $6,436 2.63%
HARRISONBURG, VA 2 $400,000 $200,000 $2,418 2.69%
OCALA, FL 1 $375,000 $375,000 $4,067 3.13%
ATHENS-CLARKE COUNTY, GA 1 $315,000 $315,000 $2,973 2.75%
WILLIAMSPORT, PA 1 $305,000 $305,000 $4,265 2.63%
GAINESVILLE, FL 1 $305,000 $305,000 $7,508 2.25%
MIAMI-MIAMI BEACH-KENDALL, FL 1 $295,000 $295,000 $9,862 2.75%
SAVANNAH, GA 1 $285,000 $285,000 $9,231 2.75%
SCRANTON--WILKES-BARRE, PA 1 $265,000 $265,000 $4,818 2.63%
READING, PA 1 $255,000 $255,000 $4,199 3.00%
PORT ST. LUCIE, FL 1 $245,000 $245,000 $2,483 3.25%
CUMBERLAND, MD-WV 2 $240,000 $120,000 $3,140 2.94%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 1 $225,000 $225,000 $0 3.50%
THE VILLAGES, FL 1 $205,000 $205,000 $6,011 3.13%
CLARKSVILLE, TN-KY 1 $175,000 $175,000 $3,228 4.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 1 $175,000 $175,000 $3,069 2.75%
FLORENCE, SC 1 $155,000 $155,000 $5,804 3.25%
MORGANTOWN, WV 1 $145,000 $145,000 $3,284 4.13%
NEWARK, NJ-PA 1 $145,000 $145,000 $3,086 3.25%
KINGSPORT-BRISTOL, TN-VA 1 $105,000 $105,000 $3,652 3.13%
HUNTINGTON-ASHLAND, WV-KY-OH 1 $105,000 $105,000 $2,651 2.75%
LEBANON, PA 1 $95,000 $95,000 $2,040 2.75%
ERIE, PA 1 $65,000 $65,000 $4,171 3.00%

Towne Bank's top markets include Washington, Virginia Beach, Baltimore, Frederick, and Charlotte among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 6,486 $2,100,540,000 $323,858
2.5-3% 5,901 $1,988,465,000 $336,971
<2.5% 1,745 $534,605,000 $306,364
4-5% 713 $198,485,000 $278,380
5-6% 156 $21,560,000 $138,205
6-7% 3 $265,000 $88,333

During 2020, Towne Bank's average interest rate was 3.09%, while their most frequently originated rate bucket was 3-4%, with 6,486 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 7,670 $2,234,550,000 $291,336 $4,771 3.08%
$400k-600k 2,965 $1,401,425,000 $472,656 $5,564 3.01%
$100k-200k 2,616 $407,260,000 $155,680 $3,659 3.37%
$100,000 or less 967 $42,985,000 $44,452 $3,018 3.03%
$600k-1MM 610 $438,300,000 $718,525 $8,500 3.27%
$1MM+ 176 $319,400,000 $1,814,773 $13,423 3.63%

2020 saw Towne Bank place emphasis on $200k-400k loans with 7,670 originations, totaling $2,234,550,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 3,153 $1,048,895,000 $332,666 $5,179 3.12%
$50k-75k 2,761 $625,475,000 $226,539 $4,775 3.03%
$150k-250k 2,594 $1,005,670,000 $387,691 $5,167 3.16%
$75k-100k 2,304 $646,000,000 $280,382 $5,218 3.10%
$250k+ 1,428 $714,130,000 $500,091 $6,003 3.35%
$50k or less 1,319 $211,355,000 $160,239 $4,309 2.92%

Towne Bank lent most frequently to those with incomes in the $100k-150k range, with 3,153 originations. The second most popular income band? $50k-75k, with 2,761 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 3,263 $1,047,745,000 $321,099 $4,623 3.13%
30-36% 2,614 $829,270,000 $317,242 $4,979 3.12%
<20% 1,505 $477,565,000 $317,319 $4,225 3.20%
44% 562 $148,100,000 $263,523 $5,344 3.15%
43% 546 $159,520,000 $292,161 $5,414 3.15%
42% 536 $159,560,000 $297,687 $5,546 3.04%
41% 526 $155,850,000 $296,293 $5,464 3.05%
40% 512 $154,100,000 $300,977 $5,461 3.12%
38% 490 $150,050,000 $306,224 $5,255 3.03%
36% 473 $152,825,000 $323,097 $5,323 3.11%
37% 465 $141,285,000 $303,839 $5,126 3.09%
39% 462 $145,900,000 $315,801 $5,248 3.13%
45% 348 $114,100,000 $327,874 $5,837 3.06%
49% 312 $95,740,000 $306,859 $6,021 3.04%
47% 279 $88,005,000 $315,430 $5,919 3.00%
48% 276 $87,930,000 $318,587 $5,618 3.03%
46% 270 $87,430,000 $323,815 $5,565 3.02%
50-60% 210 $78,230,000 $372,524 $9,110 3.03%
>60% 19 $7,215,000 $379,737 $7,117 4.00%

Towne Bank lent most frequently to those with DTI ratios of 20-30%, with 3,263 originations. The next most common DTI ratio? 30-36%, with 2,614 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 10,111 $3,233,795,000 $319,829 $4,887 3.10%
Not provided 2,018 $661,080,000 $327,592 $5,255 3.17%
Black 1,535 $432,745,000 $281,919 $6,051 3.00%
Asian 793 $269,175,000 $339,439 $4,606 2.89%
Not applicable 462 $221,380,000 $479,177 $0 4.44%
American Indian 38 $12,990,000 $341,842 $5,120 3.03%
Native Hawaiian 26 $6,780,000 $260,769 $6,312 3.13%
Asian Indian 10 $3,060,000 $306,000 $4,064 3.18%
Filipino 4 $1,010,000 $252,500 $8,664 2.75%
Chinese 2 $610,000 $305,000 $2,949 3.94%
Other Asian 2 $520,000 $260,000 $3,228 2.75%
Korean 1 $375,000 $375,000 $4,237 2.75%
Japanese 1 $315,000 $315,000 $2,751 3.25%
Vietnamese 1 $85,000 $85,000 $0 3.50%

Approval Rates

Total approvals of all applications
96.53%

Towne Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
82.52%

Towne Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 15,004 $4,843,920,000 $322,842

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 64 $129,600,000 $2,025,000
Single Family (1-4 Units):Manufactured 9 $855,000 $95,000
Single Family (1-4 Units):Site-Built 14,931 $4,713,465,000 $315,683

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 686 $157,490,000 $229,577 $3,265 3.46%
40-60% 1,544 $524,830,000 $339,916 $3,621 3.16%
60-80% 4,481 $1,553,035,000 $346,582 $3,986 3.23%
80-100% 6,895 $2,335,315,000 $338,697 $5,593 3.10%
Over 100% 461 $172,815,000 $374,870 $12,204 2.82%
Under 20% 743 $40,035,000 $53,883 $2,786 2.73%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Towne Bank 178 Hwy 158 W Camden, NC 27921 Full Service B&M $58,407
Towne Bank 9761 Iron Bridge Road Chesterfield, VA 23832 Full Service B&M $103,394
Towne Bank 2 Juniper Trail Southern Shores, NC 27949 Full Service B&M $319,330
Towne Bank 9000 West Huguenot Road Richmond, VA 23235 Full Service B&M $125,546
Towne Bank 5100 Nine Mile Road Richmond, VA 23223 Full Service B&M $39,207
Towne Bank 800 E. Canal St, Suite 100 Richmond, VA 23219 Full Service B&M $250,853
Towne Bank 1510 Quarterpath Road Williamsburg, VA 23185 Full Service B&M $127,261
Towne Bank 1 Colley Avenue, Suite 100 Norfolk, VA 23510 Full Service B&M $79,515
Towne Bank 1 Old Oyster Point Road, Suite 100 Newport News, VA 23602 Full Service B&M $652,974
Towne Bank 1006 Colley Avenue Norfolk, VA 23507 Full Service B&M $123,652
Towne Bank 101 W Main St, Ste 1000 Norfolk, VA 23510 Limited, Administrative $0
Towne Bank 109 East Main Street Norfolk, VA 23510 Full Service B&M $897,788
Towne Bank 11001 Warwick Boulevard Newport News, VA 23601 Full Service B&M $199,855
Towne Bank 1203 Duck Road Duck, NC 27949 Full Service B&M $39,186
Towne Bank 1312 Greenbrier Parkway Chesapeake, VA 23320 Full Service B&M $858,246
Towne Bank 137 Mount Pleasant Road Chesapeake, VA 23322 Full Service B&M $275,625
Towne Bank 200 High Street Portsmouth, VA 23704 Full Service B&M $211,863
Towne Bank 250 Caratoke Highway Moyock, NC 27958 Full Service B&M $141,380
Towne Bank 2525 S. Croatan Hwy Nags Head, NC 27959 Full Service B&M $89,204
Towne Bank 2539 Princess Anne Road Virginia Beach, VA 23456 Full Service B&M $118,282
Towne Bank 2839 Charles Boulevard Greenville, NC 27858 Full Service B&M $132,306
Towne Bank 297 Constitution Drive Virginia Beach, VA 23462 Full Service B&M $549,413
Towne Bank 3100 Shore Drive Virginia Beach, VA 23451 Limited, Mobile/Seasonal Office $20,180
Towne Bank 3535 Glenwood Avenue Raleigh, NC 27612 Full Service B&M $947,408
Towne Bank 4501 Cox Road Glen Allen, VA 23060 Full Service B&M $256,801
Towne Bank 4901 Libbie Mill East Boulevard Richmond, VA 23230 Full Service B&M $108,476
Towne Bank 5000 Valleystone Dr., Ste110 Cary, NC 27519 Full Service B&M $172,110
Towne Bank 5200 Providence Road Virginia Beach, VA 23464 Full Service B&M $111,706
Towne Bank 5216 Monticello Avenue Williamsburg, VA 23188 Full Service B&M $309,430
Towne Bank 550 Settlers Landing Road Hampton, VA 23669 Full Service B&M $146,992
Towne Bank 5716 High Street Portsmouth, VA 23703 Full Service B&M $547,296
Towne Bank 5806 Harbour View Boulevard Suffolk, VA 23435 Full Service B&M $298,566
Towne Bank 600 22nd Street, Ste 100 Virginia Beach, VA 23451 Full Service B&M $830,032
Towne Bank 6001 Harbour View Boulevard Suffolk, VA 23435 Limited, Administrative $0
Towne Bank 6201 Portsmouth Boulevard Portsmouth, VA 23701 Full Service B&M $199,173
Towne Bank 6337 Morrison Boulevard Charlotte, NC 28210 Full Service B&M $743,073
Towne Bank 6515 George Washington Memorial Highway Yorktown, VA 23692 Full Service B&M $88,972
Towne Bank 6670 Caratoke Highway Grandy, NC 27939 Full Service B&M $31,545
Towne Bank 7013 Three Chopt Road Richmond, VA 23226 Full Service B&M $186,935
Towne Bank 7279 Bell Creek Road, South Mechanicsville, VA 23111 Full Service B&M $126,566
Towne Bank 7500 Granby Street Norfolk, VA 23505 Full Service B&M $65,821
Towne Bank 802 Green Valley Rd. Greensboro, NC 27408 Full Service B&M $124,484
Towne Bank 824 Ocean Trail Corolla, NC 27927 Limited, Drive-thru $1,617
Towne Bank 984 First Colonial Road Virginia Beach, VA 23454 Full Service B&M $611,253

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $460,416
Net interest income $380,401
Total noninterest income $404,544
Gross Fiduciary activities income $0
Service charges on deposit accounts $7,939
Trading account gains and fees $0
Additional Noninterest Income $396,605
Pre-tax net operating income $191,698
Securities gains (or losses, -) $9,634
Income before extraordinary items $169,432
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $169,432
Minority interest net income $23,898
Net income $145,534
Sale, conversion, retirement of capital stock, net $5,509
Net operating income $161,339

Bank Expenses

Item Value (in 000's)
Total interest expense $80,015
Provision for credit losses $62,084
Total noninterest expense $531,163
Salaries and employee benefits $382,231
Premises and equipment expense $45,231
Additional noninterest expense $103,701
Applicable income taxes $31,900
Net charge-offs $238
Cash dividends $52,302

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 $11,630,263
Deposits held in domestic offices $11,630,263
Deposits by Individuals, partnerships, and corporations $10,963,657
Deposits by U.S. Government $6
Deposits by States and political subdivisions in the U.S. $660,167
Deposits by Commercial banks and other depository institutions in U.S. $6,433
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,129,203
Demand deposits $1,129,203
Nontransaction accounts $10,501,060
Money market deposit accounts (MMDAs) $8,122,064
Other savings deposits (excluding MMDAs) $652,205
Total time deposits $1,726,791
Total time and savings deposits $10,501,060
Noninterest-bearing deposits $4,431,664
Interest-bearing deposits $7,198,600
Retail deposits $10,657,251
IRAs and Keogh plan accounts $206,929
Brokered deposits $397,619
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $14,626,444
Cash & Balances due from depository institutions $1,864,289
Interest-bearing balances $1,768,554
Total securities $1,384,638
Federal funds sold & reverse repurchase $0
Net loans and leases $10,049,709
Loan and leases loss allowance $120,157
Trading account assets $0
Bank premises and fixed assets $320,582
Other real estate owned $4,853
Goodwill and other intangibles $497,861
All other assets $504,512

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $14,626,444
Total Liabilities $12,842,614
Total deposits $11,630,263
Interest-bearing deposits $7,198,600
Deposits held in domestic offices $11,630,263
% insured (estimated) $48
Federal funds purchased and repurchase agreements $68,981
Trading liabilities $0
Other borrowed funds $637,694
Subordinated debt $249,055
All other liabilities $256,621

Issued Loan Types

Type Value (in 000's)
Net loans and leases $10,049,709
Loan and leases loss allowance $120,157
Total loans and leases (domestic) $10,169,866
All real estate loans $7,380,914
Real estate loans in domestic offices $7,380,914
Construction and development loans $1,199,772
Residential 1-4 family construction $270,312
Other construction, all land development and other land $929,460
Loans secured by nonfarm nonresidential properties $3,697,169
Nonfarm nonresidential secured by owner-occupied properties $1,380,516
Commercial real estate & other non-farm, non-residential $2,316,653
Multifamily residential real estate $295,488
1-4 family residential loans $2,169,902
Farmland loans $18,583
Loans held in foreign offices $0
Farm loans $449
Commercial and industrial loans $2,009,199
To non-U.S. addressees $0
Loans to individuals $309,916
Credit card loans $0
Related Plans $33,278
Consumer Auto Loans $252,088
Other loans to individuals $24,550
All other loans & leases $469,387
Loans to foreign governments and official institutions $0
Other loans $90,144
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $191,789
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $13,404
Non 1-4 family restructured loans & leases $9,850
Total loans and leases (foreign) $0

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 2,200 $682,688 $310,313
Nonfarm, nonresidential loans - <$100k 263 $19,936 $75,802
Nonfarm, nonresidential loans - $100-250k 554 $68,621 $123,865
Nonfarm, nonresidential loans - $250k-1MM 1,383 $594,131 $429,596
Commercial & Industrial, US addressed loans - <$1MM 11,348 $917,754 $80,874
Commercial & Industrial, US addressed loans - <$100k 7,888 $219,650 $27,846
Commercial & Industrial, US addressed loans - $100-250k 1,901 $211,416 $111,213
Commercial & Industrial, US addressed loans - $250k-1MM 1,559 $486,688 $312,180
Farmland loans - <$1MM 33 $4,205 $127,424
Farmland loans - <$100k 9 $347 $38,556
Farmland loans - $100-250k 12 $1,237 $103,083
Farmland loans - $250k-1MM 12 $2,621 $218,417
Agriculture operations loans - <$1MM 4 $448 $112,000
Agriculture operations loans - <$100k 1 $30 $30,000
Agriculture operations loans - $100-250k 3 $418 $139,333