Royal Business Bank Mortgage Rates, Fees & Info

Los Angeles, CA

LEI: 5493003B20KZ3DEZGB43

Tax ID: 26-0339713

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Royal Business Bank is a smaller bank specializing in Home Purchase and Refi loans. Royal Business Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Riverside, San Antonio, and Chicago among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)

Royal Business Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Royal Business Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.49%	4/28/24
30 Year Conventional Refi	6.45%	4/28/24
30 Year Cash-out Refi	6.70%	4/28/24
15 Year Conventional Purchase	5.96%	4/28/24
15 Year Conventional Refi	5.92%	4/28/24
15 Year Cash-out Refi	5.92%	4/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Royal Business Bank Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Royal Business Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

885

Origination Dollar Volume (All Markets)

$565,415,000

Employee count

365

Top 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
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	633	$299,375,000	$472,946	$8,087	3.29%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	123	$142,945,000	$1,162,154	$7,390	4.30%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	35	$15,765,000	$450,429	$6,284	4.09%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	1	$11,555,000	$11,555,000	$0	4.50%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	36	$9,330,000	$259,167	$5,379	3.86%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	8	$9,250,000	$1,156,250	$9,905	4.36%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	2	$8,860,000	$4,430,000	$0	5.13%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	2	$8,810,000	$4,405,000	$9,056	5.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	3	$6,755,000	$2,251,667	$0	4.37%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	1	$6,005,000	$6,005,000	$0	5.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	14	$5,950,000	$425,000	$4,191	4.20%
MEDFORD, OR (FHA\|USDA\|VA)	2	$5,470,000	$2,735,000	$0	4.25%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$5,205,000	$5,205,000	$0	5.00%
HINESVILLE, GA (FHA\|USDA\|VA)	2	$4,070,000	$2,035,000	$0	4.37%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	1	$3,505,000	$3,505,000	$0	4.37%
ALBANY, GA (FHA\|USDA\|VA)	1	$3,335,000	$3,335,000	$0	5.00%
COLUMBIA, SC (FHA\|USDA\|VA)	1	$2,585,000	$2,585,000	$0	5.00%
Brookings, OR (FHA\|USDA\|VA)	1	$2,555,000	$2,555,000	$0	4.25%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$2,405,000	$2,405,000	$0	6.00%
GREENVILLE, NC (FHA\|USDA\|VA)	1	$2,225,000	$2,225,000	$0	5.25%
RENO, NV (FHA\|USDA\|VA)	1	$1,905,000	$1,905,000	$0	4.50%
Newport, TN (FHA\|USDA\|VA)	1	$1,535,000	$1,535,000	$0	4.50%
Outside of Metro Areas	1	$1,365,000	$1,365,000	$0	5.00%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	3	$1,355,000	$451,667	$4,511	3.83%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	2	$880,000	$440,000	$3,790	4.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$705,000	$705,000	$0	5.00%
BAKERSFIELD, CA (FHA\|USDA\|VA)	3	$545,000	$181,667	$0	4.71%
VALLEJO, CA (FHA\|USDA\|VA)	1	$365,000	$365,000	$4,143	4.00%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	1	$275,000	$275,000	$9,526	5.25%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	1	$265,000	$265,000	$7,127	4.00%
Pahrump, NV (FHA\|USDA\|VA)	1	$265,000	$265,000	$4,324	3.50%

Royal Business Bank's top markets include New York, Los Angeles, Riverside, San Antonio, and Chicago among others.

Their top states include:

New York (FHA|USDA|VA)

California (FHA|USDA|VA)

Oregon (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Illinois (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Royal Business Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

First Savings Bank of Hegewisch
Similarity Rank: 45

N C P D Federal Credit Union
Similarity Rank: 102

Liberty Bank for Savings
Similarity Rank: 153

Schuyler Savings Bank
Similarity Rank: 352

Christian Community Credit Union
Similarity Rank: 354

Credence Funding Corporation
Similarity Rank: 404

ATLANTIS MORTGAGE CO., INC.
Similarity Rank: 652

The First National Bank of Long Island
Similarity Rank: 748

LONG BEACH CITY EMPLOYEES Federal Credit Union
Similarity Rank: 825

AMERITRUST MORTGAGE CORPORATION
Similarity Rank: 861

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	885	$565,415,000	$638,887	$7,735	3.56%

For 2021, Royal Business Bank's most frequently originated type of loan was Conventional, with 885 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	476	$313,720,000	$659,076	$7,833	3.81%
Refi	281	$165,695,000	$589,662	$6,955	3.13%
Cash Out Refi	78	$42,630,000	$546,538	$9,193	3.45%
Other	49	$42,205,000	$861,327	$8,236	3.81%
Home Improvement	1	$1,165,000	$1,165,000	$0	5.00%

For 2021, Royal Business Bank's most frequently cited loan purpose was Home Purchase, with 476 originations. The 2nd most popular reason was Refi, with 281 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	701	$408,585,000	$582,860	$7,905	3.69%
15 Year	113	$42,915,000	$379,779	$6,785	2.42%
20 Year	33	$11,415,000	$345,909	$7,082	2.90%
10 Year	12	$21,800,000	$1,816,667	$0	4.96%
Other	11	$51,065,000	$4,642,273	$0	5.55%
5 Year	9	$16,625,000	$1,847,222	$0	4.78%
1 Year	6	$13,010,000	$2,168,333	$0	5.42%

For 2021, Royal Business Bank's most frequently cited loan duration was 30 Year, with 701 originations. The 2nd most popular length was 15 Year, with 113 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	260	$119,220,000	$458,538
$2k-3k	127	$43,805,000	$344,921
$3k-4k	113	$49,725,000	$440,044
$5k+	108	$76,590,000	$709,167
$4k-5k	41	$18,225,000	$444,512
$<1k	3	$19,965,000	$6,655,000

Royal Business Bank's average total fees were $7,905, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 260 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	420	$203,620,000	$484,810
2.5-3%	188	$80,550,000	$428,457
4-5%	160	$158,890,000	$993,063
<2.5%	91	$33,425,000	$367,308
5-6%	24	$79,580,000	$3,315,833
6-7%	2	$9,350,000	$4,675,000

During 2021, Royal Business Bank's average interest rate for loans was 3.69%, while their most frequently originated rate bucket for loans was 3-4%, with 420 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	326	$102,780,000	$315,276	$6,441	3.38%
$400k-600k	305	$145,665,000	$477,590	$8,141	3.49%
$600k-1MM	135	$99,185,000	$734,704	$10,820	3.63%
$1MM+	78	$211,250,000	$2,708,333	$10,623	4.58%
$100k-200k	39	$6,385,000	$163,718	$5,202	3.44%
$100,000 or less	2	$150,000	$75,000	$4,186	3.88%

2021 saw Royal Business Bank place emphasis on $200k-400k loans with 326 originations, totaling $102,780,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	223	$78,385,000	$351,502	$6,727	3.29%
$100k-150k	189	$98,315,000	$520,185	$8,713	3.50%
$75k-100k	178	$75,280,000	$422,921	$7,512	3.57%
$50k or less	100	$35,760,000	$357,600	$6,479	3.18%
$150k-250k	73	$45,825,000	$627,740	$8,435	3.65%
$250k+	73	$90,005,000	$1,232,945	$9,847	4.08%

Royal Business Bank lent most frequently to those with incomes in the $50k-75k range, with 223 originations. The second most popular income band? $100k-150k, with 189 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	146	$80,370,000	$550,479	$8,254	3.81%
20-30%	75	$43,385,000	$578,467	$8,222	3.60%
49%	65	$29,125,000	$448,077	$7,992	2.98%
37%	63	$31,165,000	$494,683	$8,680	3.81%
36%	49	$23,405,000	$477,653	$7,520	3.63%
38%	48	$22,860,000	$476,250	$8,192	3.66%
46%	45	$20,795,000	$462,111	$8,061	3.21%
42%	44	$18,030,000	$409,773	$6,855	3.49%
44%	42	$16,210,000	$385,952	$6,477	3.08%
48%	40	$17,870,000	$446,750	$7,367	3.07%
39%	36	$19,200,000	$533,333	$7,233	3.45%
43%	31	$13,665,000	$440,806	$6,328	3.12%
41%	31	$14,625,000	$471,774	$8,035	3.70%
40%	31	$16,095,000	$519,194	$7,572	3.31%
<20%	29	$27,815,000	$959,138	$7,614	3.69%
45%	28	$11,450,000	$408,929	$7,147	3.23%
47%	27	$12,535,000	$464,259	$7,269	3.11%
50-60%	3	$3,105,000	$1,035,000	$0	4.42%

Royal Business Bank lent most frequently to those with DTI ratios of 30-36%, with 146 originations. The next most common DTI ratio? 20-30%, with 75 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
Asian	805	$402,355,000	$499,820	$7,717	3.47%
Not applicable	45	$138,325,000	$3,073,889	$0	4.95%
White	22	$17,380,000	$790,000	$11,092	3.85%
Not provided	12	$6,670,000	$555,833	$5,083	4.34%
Other Asian	1	$685,000	$685,000	$6,247	3.25%

Approval Rates

Total approvals of all applications
96.39%

Royal Business 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
85.20%

Royal Business Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	885	$565,415,000	$638,887

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	885	$565,415,000	$638,887

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	119	$43,265,000	$363,571	$6,725	2.94%
40-60%	305	$188,055,000	$616,574	$8,167	3.47%
60-80%	440	$325,860,000	$740,591	$7,899	3.80%
80-100%	19	$7,775,000	$409,211	$5,255	3.63%
Under 20%	2	$460,000	$230,000	$7,363	2.75%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
Royal Pacific Funding Corporation	Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	1	8.3%
Royal Pacific Funding Corporation	Conventional home mortgage	Trouble during payment process	4	33.3%
Royal Pacific Funding Corporation	FHA mortgage	Closing on a mortgage	1	8.3%
Royal Pacific Funding Corporation	FHA mortgage	Incorrect information on your report	1	8.3%
Royal Pacific Funding Corporation	FHA mortgage	Struggling to pay mortgage	4	33.3%
Royal Pacific Funding Corporation	VA mortgage	Trouble during payment process	1	8.3%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Royal Business Bank	1015 S. Nogales Street, Unit 121 & 122a Rowland Heights, CA 91748	Full Service B&M	$229,697
Royal Business Bank	1055 Wilshire Blvd. Suite 1200 Los Angeles, CA 90017	Full Service B&M	$282,577
Royal Business Bank	11304 1/2 South Street Cerritos, CA 90703	Full Service B&M	$124,811
Royal Business Bank	1139 S. Diamond Bar, Unit E Diamond Bar, CA 91756	Full Service B&M	$127,418
Royal Business Bank	123 East Valley Boulevard Suite 101 San Gabriel, CA 91776	Full Service B&M	$499,349
Royal Business Bank	135-34 Roosevelt Avenue Flushing, NY 11354	Full Service B&M	$108,212
Royal Business Bank	14725 Jeffrey Road Irvine, CA 92618	Full Service B&M	$49,149
Royal Business Bank	1912 W Sunset Boulevard Los Angeles, CA 90026	Full Service B&M	$56,573
Royal Business Bank	2323 South Wentworth Avenue Chicago, IL 60616	Full Service B&M	$167,755
Royal Business Bank	23740 Hawthorne Blvd. Suite 103 Torrance, CA 90505	Full Service B&M	$165,571
Royal Business Bank	29 Bowery New York, NY 10002	Full Service B&M	$143,915
Royal Business Bank	3233 S Ashland Ave. Chicago, IL 60608	Full Service B&M	$44,033
Royal Business Bank	3366 E. Thousand Oaks Blvd. Westlake Village, CA 91362	Full Service B&M	$99,632
Royal Business Bank	3919 Spring Mountain Road Las Vegas, NV 89102	Full Service B&M	$337,848
Royal Business Bank	400 E. Esplanade Drive, Suite 105 Oxnard, CA 93036	Full Service B&M	$105,496
Royal Business Bank	4208 Main Street Flushing, NY 11355	Full Service B&M	$61,636
Royal Business Bank	5503 Eighth Avenue Brooklyn, NY 11220	Full Service B&M	$155,464
Royal Business Bank	561 Route 1, Suite C1 Edison, NJ 8817	Full Service B&M	$2,103
Royal Business Bank	5902 Eighth Avenue Brooklyn, NY 11220	Full Service B&M	$104,152
Royal Business Bank	700 West Garvey Avenue Monterey Park, CA 91754	Full Service B&M	$108,371
Royal Business Bank	86-55 Broadway Elmhurst, NY 11373	Full Service B&M	$59,918
Royal Business Bank	901 South Baldwin Avenue Arcadia, CA 91007	Full Service B&M	$125,031

For 2021, Royal Business Bank had 22 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$146,958
Net interest income	$133,237
Total noninterest income	$20,018
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$2,367
Trading account gains and fees	$0
Additional Noninterest Income	$17,651
Pre-tax net operating income	$91,304
Securities gains (or losses, -)	$0
Income before extraordinary items	$64,109
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$64,109
Minority interest net income	$0
Net income	$64,109
Sale, conversion, retirement of capital stock, net	$1,079
Net operating income	$64,109

Royal Business Bank's gross interest income from loans was $146,958,000.
Royal Business Bank's net interest income from loans was $133,237,000.
Royal Business Bank's fee based income from loans was $2,367,000.
Royal Business Bank's net income from loans was $64,109,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$13,721
Provision for credit losses	$3,959
Total noninterest expense	$57,992
Salaries and employee benefits	$33,568
Premises and equipment expense	$8,691
Additional noninterest expense	$15,733
Applicable income taxes	$27,195
Net charge-offs	$384
Cash dividends	$25,000

Royal Business Bank's interest expense for loans was $13,721,000.
Royal Business Bank's payroll and benefits expense were $33,568,000.
Royal Business Bank's property, plant and equipment expenses $8,691,000.

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	1.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	3.0%
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	$3,465,041
Deposits held in domestic offices	$3,465,041
Deposits by Individuals, partnerships, and corporations	$3,228,471
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$63,525
Deposits by Commercial banks and other depository institutions in U.S.	$173,045
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$1,443,870
Demand deposits	$1,370,994
Nontransaction accounts	$2,021,171
Money market deposit accounts (MMDAs)	$714,539
Other savings deposits (excluding MMDAs)	$140,194
Total time deposits	$1,166,439
Total time and savings deposits	$2,094,047
Noninterest-bearing deposits	$1,370,994
Interest-bearing deposits	$2,094,047
Retail deposits	$2,884,144
IRAs and Keogh plan accounts	$29,591
Brokered deposits	$2,398
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$4,222,275
Cash & Balances due from depository institutions	$501,972
Interest-bearing balances	$468,896
Total securities	$374,512
Federal funds sold & reverse repurchase	$0
Net loans and leases	$3,096,463
Loan and leases loss allowance	$32,912
Trading account assets	$0
Bank premises and fixed assets	$27,199
Other real estate owned	$293
Goodwill and other intangibles	$84,835
All other assets	$137,001

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$4,222,275
Total Liabilities	$3,651,900
Total deposits	$3,465,041
Interest-bearing deposits	$2,094,047
Deposits held in domestic offices	$3,465,041
% insured (estimated)	$47
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$150,000
Subordinated debt	$0
All other liabilities	$36,859

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$3,096,463
Loan and leases loss allowance	$32,912
Total loans and leases (domestic)	$3,129,375
All real estate loans	$2,710,422
Real estate loans in domestic offices	$2,710,422
Construction and development loans	$309,018
Residential 1-4 family construction	$34,228
Other construction, all land development and other land	$274,790
Loans secured by nonfarm nonresidential properties	$697,895
Nonfarm nonresidential secured by owner-occupied properties	$222,822
Commercial real estate & other non-farm, non-residential	$475,073
Multifamily residential real estate	$552,803
1-4 family residential loans	$1,150,706
Farmland loans	$0
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$150,099
To non-U.S. addressees	$0
Loans to individuals	$30,784
Credit card loans	$22
Related Plans	$0
Consumer Auto Loans	$6,402
Other loans to individuals	$24,360
All other loans & leases	$249,715
Loans to foreign governments and official institutions	$0
Other loans	$56,715
Loans to depository institutions and acceptances of other banks	$193,000
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$807
Non 1-4 family restructured loans & leases	$807
Total loans and leases (foreign)	$0

Royal Business Bank had $3,096,463,000 of loans outstanding in 2021. $2,710,422,000 of loans were in real estate loans. $309,018,000 of loans were in development loans. $552,803,000 of loans were in multifamily mortgage loans. $1,150,706,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $22,000 of loans were in credit card loans. $6,402,000 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	293	$101,625	$346,843
Nonfarm, nonresidential loans - <$100k	23	$767	$33,348
Nonfarm, nonresidential loans - $100-250k	57	$7,059	$123,842
Nonfarm, nonresidential loans - $250k-1MM	213	$93,799	$440,371
Commercial & Industrial, US addressed loans - <$1MM	523	$41,495	$79,340
Commercial & Industrial, US addressed loans - <$100k	295	$5,708	$19,349
Commercial & Industrial, US addressed loans - $100-250k	80	$7,874	$98,425
Commercial & Industrial, US addressed loans - $250k-1MM	148	$27,913	$188,601