Community Bank Of Mississippi Mortgage Rates, Fees & Info

Forest, MS

LEI: 5493005QK4NV0ZZ5EM64

Tax ID: 64-0154830

5 stars - out of 5 stars, based on 69 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Community Bank Of Mississippi is a smaller bank specializing in Refi and Home Purchase loans. Community Bank Of Mississippi 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 Jackson, Gulfport, Hattiesburg, Memphis, and Laurel among others. Community Bank Of Mississippi 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. Community Bank Of Mississippi is typically an average fee lendor.


Originations

4,830

Origination Dollar Volume (All Markets)

$808,280,000

Employee count

821 Show all (14) awards

Relative Rate

Community Bank Of Mississippi's average 30 year fixed rate mortgage of loans were 3.17%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.02%.

Relative Fees

Community Bank Of Mississippi's average total fees for a 30 year fixed rate mortgage are $4,205.

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
JACKSON, MS (FHA|USDA|VA) 995 $173,295,000 $174,166 $3,909 3.31%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 543 $86,705,000 $159,678 $3,260 3.77%
Outside of Metro Areas 702 $74,940,000 $106,752 $2,288 4.41%
HATTIESBURG, MS (FHA|USDA|VA) 349 $59,715,000 $171,103 $3,449 3.71%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 394 $57,230,000 $145,254 $3,888 3.53%
Laurel, MS (FHA|USDA|VA) 464 $56,160,000 $121,034 $2,507 4.28%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 117 $45,335,000 $387,479 $5,672 3.64%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 145 $40,655,000 $280,379 $3,655 3.66%
Tupelo, MS (FHA|USDA|VA) 260 $38,780,000 $149,154 $3,083 3.75%
MOBILE, AL (FHA|USDA|VA) 221 $36,655,000 $165,860 $3,188 3.57%
PANAMA CITY, FL (FHA|USDA|VA) 117 $35,455,000 $303,034 $5,279 3.61%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 94 $29,550,000 $314,362 $3,043 3.18%
Meridian, MS (FHA|USDA|VA) 169 $23,785,000 $140,740 $2,756 3.99%
Indianola, MS (FHA|USDA|VA) 76 $8,590,000 $113,026 $2,845 4.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 20 $7,280,000 $364,000 $3,964 3.61%
Oxford, MS (FHA|USDA|VA) 26 $5,980,000 $230,000 $3,317 3.90%
Starkville, MS (FHA|USDA|VA) 26 $4,310,000 $165,769 $3,353 3.76%
TUSCALOOSA, AL (FHA|USDA|VA) 5 $2,555,000 $511,000 $2,725 3.73%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $2,505,000 $2,505,000 $0 2.80%
McComb, MS (FHA|USDA|VA) 12 $2,300,000 $191,667 $5,739 3.12%
Vicksburg, MS (FHA|USDA|VA) 12 $1,800,000 $150,000 $3,424 4.00%
Cleveland, MS (FHA|USDA|VA) 8 $1,730,000 $216,250 $4,346 3.27%
Greenville, MS (FHA|USDA|VA) 16 $1,270,000 $79,375 $2,859 4.11%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,336 3.36%
MONTGOMERY, AL (FHA|USDA|VA) 2 $870,000 $435,000 $1,066 3.33%
Natchez, MS-LA (FHA|USDA|VA) 2 $820,000 $410,000 $3,038 2.31%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3 $745,000 $248,333 $3,903 2.96%
Brookhaven, MS (FHA|USDA|VA) 5 $745,000 $149,000 $3,620 3.40%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $690,000 $345,000 $3,163 2.69%
BATON ROUGE, LA (FHA|USDA|VA) 2 $660,000 $330,000 $3,419 3.75%
Picayune, MS (FHA|USDA|VA) 5 $625,000 $125,000 $2,604 4.23%
Grenada, MS (FHA|USDA|VA) 3 $445,000 $148,333 $1,292 4.94%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $445,000 $445,000 $0 4.05%
West Point, MS (FHA|USDA|VA) 1 $395,000 $395,000 $0 3.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $320,000 $160,000 $2,459 3.48%
Jasper, AL (FHA|USDA|VA) 1 $295,000 $295,000 $2,883 2.50%
Columbus, MS (FHA|USDA|VA) 3 $275,000 $91,667 $1,587 3.84%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $265,000 $265,000 $2,928 2.88%
Cullman, AL (FHA|USDA|VA) 1 $235,000 $235,000 $3,401 3.13%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $235,000 $235,000 $4,277 4.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $235,000 $235,000 $6,749 2.75%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $205,000 $205,000 $9,641 2.50%
DECATUR, AL (FHA|USDA|VA) 1 $205,000 $205,000 $5,059 3.00%
Greenwood, MS (FHA|USDA|VA) 2 $190,000 $95,000 $2,598 3.58%
TULSA, OK (FHA|USDA|VA) 1 $175,000 $175,000 $4,669 4.15%
LaGrange, GA-AL (FHA|USDA|VA) 1 $175,000 $175,000 $5,945 2.63%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,908 4.65%
Ozark, AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,570 2.63%
Selma, AL (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.25%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,245 3.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.25%
Atmore, AL (FHA|USDA|VA) 2 $130,000 $65,000 $3,262 3.25%
Fort Payne, AL (FHA|USDA|VA) 1 $125,000 $125,000 $2,515 3.25%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.10%
Mountain Home, AR (FHA|USDA|VA) 1 $115,000 $115,000 $2,721 3.63%
DOTHAN, AL (FHA|USDA|VA) 1 $85,000 $85,000 $4,078 2.38%
Corinth, MS (FHA|USDA|VA) 1 $75,000 $75,000 $1,342 4.40%

Community Bank Of Mississippi's top markets include Jackson, Gulfport, Hattiesburg, Memphis, and Laurel among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 4,341 $711,475,000 $163,897 $2,814 3.88%
FHA 318 $61,030,000 $191,918 $6,262 2.83%
USDA 103 $17,955,000 $174,320 $3,464 2.73%
VA 68 $17,820,000 $262,059 $6,162 2.74%

For the 2021 period, Community Bank Of Mississippi's most frequently originated loan type of loans were Conventional, with 4,341 originations. Their 2nd most popular type is FHA, with 318 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 1,993 $305,095,000 $153,083 $2,233 4.19%
Home Purchase 1,947 $411,405,000 $211,302 $4,128 3.65%
Other 408 $38,960,000 $95,490 $2,275 2.83%
Home Improvement 288 $14,050,000 $48,785 $1,309 3.45%
Cash Out Refi 194 $38,770,000 $199,845 $3,605 3.15%

For the 2021, Community Bank Of Mississippi's most frequently cited loan purpose of loans were Refi, with 1,993 originations. The 2nd most popular reason of loans were Home Purchase, with 1,947 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,615 $377,245,000 $233,588 $4,205 3.17%
Other 1,138 $163,210,000 $143,418 $1,926 4.80%
5 Year 649 $57,315,000 $88,313 $1,066 4.49%
10 Year 604 $79,780,000 $132,086 $2,352 2.57%
15 Year 304 $55,760,000 $183,421 $2,793 2.88%
1 Year 262 $44,370,000 $169,351 $4,519 4.46%
3 Year 178 $13,750,000 $77,247 $536 4.71%
20 Year 80 $16,850,000 $210,625 $2,786 3.58%

For the 2021, Community Bank Of Mississippi's most frequently cited loan length of loans were 30 Year, with 1,615 originations. The 2nd most popular length of loans were Other, with 1,138 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 2,195 $401,585,000 $182,954
$1k-2k 382 $52,140,000 $136,492
$2k-3k 163 $35,205,000 $215,982
$3k-4k 112 $40,290,000 $359,732
$5k+ 47 $28,815,000 $613,085

$4,205 of loans were Community Bank Of Mississippi's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 2,195 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 1,625 $327,845,000 $201,751
4-5% 1,095 $151,855,000 $138,680
2.5-3% 1,034 $204,750,000 $198,017
<2.5% 509 $77,545,000 $152,348
5-6% 292 $31,010,000 $106,199
6-7% 148 $10,210,000 $68,986
7-8% 102 $4,140,000 $40,588
Over 8% 21 $635,000 $30,238

During 2021, Community Bank Of Mississippi's average interest rate of loans were 3.17%, while their most frequently originated rate bucket of loans were 3-4%, with 1,625 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 1,931 $95,485,000 $49,448 $1,636 4.23%
$100k-200k 1,483 $215,605,000 $145,384 $3,209 3.55%
$200k-400k 1,098 $298,280,000 $271,658 $4,298 3.32%
$400k-600k 224 $105,670,000 $471,741 $5,026 3.47%
$600k-1MM 69 $51,965,000 $753,116 $5,177 3.95%
$1MM+ 25 $41,275,000 $1,651,000 $12,754 3.73%

2021 saw Community Bank Of Mississippi place emphasis on $100,000 or less loans with 1,931 originations, totaling $95,485,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 834 $112,770,000 $135,216 $3,211 3.75%
$50k or less 814 $78,900,000 $96,929 $2,727 3.94%
$100k-150k 789 $143,115,000 $181,388 $3,601 3.55%
$75k-100k 670 $103,610,000 $154,642 $3,344 3.67%
$150k-250k 505 $111,495,000 $220,782 $3,606 3.52%
$250k+ 325 $107,685,000 $331,338 $4,450 3.50%

Community Bank Of Mississippi lent most frequently to those with incomes in the $50k-75k range, with 834 originations. The second most popular income band? $50k or less, with 814 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 896 $151,490,000 $169,074 $3,159 3.59%
30-36% 613 $114,125,000 $186,175 $3,205 3.58%
<20% 541 $88,375,000 $163,355 $2,486 3.52%
36% 116 $22,400,000 $193,103 $3,196 3.50%
39% 114 $21,830,000 $191,491 $3,860 3.57%
42% 111 $20,385,000 $183,649 $3,423 3.62%
50-60% 111 $20,175,000 $181,757 $4,881 3.55%
41% 108 $18,710,000 $173,241 $3,851 3.45%
38% 105 $18,675,000 $177,857 $3,525 3.69%
37% 103 $18,405,000 $178,689 $3,216 3.49%
40% 98 $17,950,000 $183,163 $3,767 3.33%
43% 98 $18,400,000 $187,755 $3,631 3.42%
44% 79 $16,205,000 $205,127 $3,626 3.41%
45% 70 $11,480,000 $164,000 $3,219 3.53%
46% 65 $12,685,000 $195,154 $3,839 3.41%
47% 53 $12,405,000 $234,057 $4,774 3.17%
49% 45 $9,645,000 $214,333 $4,043 3.35%
48% 37 $6,965,000 $188,243 $3,999 3.34%
>60% 35 $5,355,000 $153,000 $1,289 4.99%

Community Bank Of Mississippi lent most frequently to those with DTI ratios of 20-30%, with 896 originations. The next most common DTI ratio? 30-36%, with 613 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 3,408 $583,080,000 $171,092 $3,208 3.67%
Not applicable 779 $130,985,000 $168,145 $3,951 4.25%
Black 554 $70,700,000 $127,617 $3,626 3.82%
Asian 58 $15,440,000 $266,207 $3,599 3.49%
Not provided 19 $4,705,000 $247,632 $4,726 3.10%
American Indian 5 $2,415,000 $483,000 $9,163 3.73%
Native Hawaiian 5 $535,000 $107,000 $3,448 4.13%
Other Pacific Islander 1 $215,000 $215,000 $2,720 3.38%
Other Asian 1 $205,000 $205,000 $0 1.90%

Approval Rates

Total approvals of all applications
96.69%

Community Bank Of Mississippi 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
87.50%

Community Bank Of Mississippi has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
1438.1 1 $295,000 $295,000
154.74 1 $15,000 $15,000
190.24 1 $15,000 $15,000
19.74 1 $5,000 $5,000
2092.92 1 $105,000 $105,000
216.48 1 $5,000 $5,000
249.8 1 $25,000 $25,000
270.0 1 $15,000 $15,000
279.85 1 $5,000 $5,000
318.48 1 $15,000 $15,000
327.74 1 $15,000 $15,000
340.75 1 $15,000 $15,000
349.74 1 $15,000 $15,000
354.4 1 $25,000 $25,000
363.24 1 $15,000 $15,000
364.07 1 $15,000 $15,000
365.48 1 $15,000 $15,000
411.48 1 $15,000 $15,000
420.42 1 $25,000 $25,000
436.48 1 $25,000 $25,000
437.24 1 $25,000 $25,000
449.49 1 $25,000 $25,000
474.77 1 $25,000 $25,000
486.37 1 $15,000 $15,000
495.01 1 $25,000 $25,000
497.24 1 $15,000 $15,000
509.0 1 $35,000 $35,000
519.76 1 $15,000 $15,000
572.74 1 $15,000 $15,000
591.5 1 $45,000 $45,000
699.13 1 $45,000 $45,000
795.24 1 $15,000 $15,000
9.24 1 $5,000 $5,000
NA 4,797 $807,295,000 $168,292

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
4,830 $808,280,000 $167,346

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 657 $63,705,000 $96,963 $1,834 3.85%
40-60% 767 $123,435,000 $160,932 $2,500 3.96%
60-80% 1,341 $273,165,000 $203,702 $3,078 3.89%
80-100% 1,582 $312,510,000 $197,541 $4,031 3.66%
Over 100% 60 $13,960,000 $232,667 $6,278 3.55%
Under 20% 423 $21,505,000 $50,839 $994 3.38%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
COMMUNITY BANK SYSTEM, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 1 50.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Community Bank of Mississippi 2314 Bienville Blvd Ocean Springs, MS 39564 Full Service B&M $128,981
Community Bank of Mississippi 111 I-65 Service Road Mobile, AL 36608 Full Service B&M $68,054
Community Bank of Mississippi 11341 Panama City Beach Parkway Panama City Beach, FL 32407 Full Service B&M $142,738
Community Bank of Mississippi 12036 Highway 49 Gulfport, MS 39503 Full Service B&M $67,549
Community Bank of Mississippi 475 East Commerce Street Hernando, MS 38632 Full Service B&M $53,398
Community Bank of Mississippi 5010 Hardy Street Hattiesburg, MS 39402 Full Service B&M $170,481
Community Bank of Mississippi 5012 Highway 39 North Meridian, MS 39301 Full Service B&M $48,499
Community Bank of Mississippi 5110 Main Street Lucedale, MS 39452 Full Service B&M $64,529
Community Bank of Mississippi 5159 Highway 84 West Laurel, MS 39440 Full Service B&M $34,161
Community Bank of Mississippi 6095 Highway 49 South Hattiesburg, MS 39401 Full Service B&M $37,857
Community Bank of Mississippi 6158 Old Canton Road Jackson, MS 39211 Full Service B&M $51,901
Community Bank of Mississippi 6305 Highway 405 Olive Branch, MS 38654 Full Service B&M $66,059
Community Bank of Mississippi 6525 N Quail Hollow Rd, Ste 107 Memphis, TN 38120 Full Service B&M $12,789
Community Bank of Mississippi 6525 North Quail Hollow Road Suite 107 Memphis, TN 38120 Full Service B&M $0
Community Bank of Mississippi 6587 Airport Boulevard Mobile, AL 36608 Full Service B&M $57,143
Community Bank of Mississippi 677 Dr. Martin Luther King Jr. Boulevard Biloxi, MS 39530 Full Service B&M $101,692
Community Bank of Mississippi 1255 West Government Street Brandon, MS 39042 Full Service B&M $231,391
Community Bank of Mississippi 12590 Emerald Coast Parkway Miramar Beach, FL 32550 Full Service B&M $186,008
Community Bank of Mississippi 1317 North Gloster Tupelo, MS 38804 Full Service B&M $84,366
Community Bank of Mississippi 1380 26th Avenue Gulfport, MS 39501 Full Service B&M $4,774
Community Bank of Mississippi 140 East Metro Flowood, MS 39232 Full Service B&M $206,208
Community Bank of Mississippi 147 Highway 82 Indianola, MS 38751 Full Service B&M $118,413
Community Bank of Mississippi 1602 W. 23rd Street Panama City, FL 32405 Full Service B&M $13,560
Community Bank of Mississippi 1665 Lakeland Drive Jackson, MS 39216 Full Service B&M $47,819
Community Bank of Mississippi 1871 Spillway Road Brandon, MS 39047 Full Service B&M $40,928
Community Bank of Mississippi 2015 East Pass Road Gulfport, MS 39506 Full Service B&M $61,515
Community Bank of Mississippi 210 Mimosa Drive Raleigh, MS 39153 Full Service B&M $85,877
Community Bank of Mississippi 2157 Highway 15 North Laurel, MS 39440 Full Service B&M $0
Community Bank of Mississippi 6910 Airways Blvd Southaven, MS 38671 Full Service B&M $82,528
Community Bank of Mississippi 751 Lake Harbour Drive Ridgeland, MS 39157 Full Service B&M $66,660
Community Bank of Mississippi 804 Main Street Ellisville, MS 39437 Limited, Drive-thru $0
Community Bank of Mississippi 813 Estella Street Fairhope, AL 36532 Full Service B&M $57,067
Community Bank of Mississippi 813 Shades Creek Parkway, Suite 100 Birmingham, AL 35209 Full Service B&M $37,572
Community Bank of Mississippi 900 North Main Street Amory, MS 38821 Full Service B&M $171,282
Community Bank of Mississippi 902 Highway 278 East Amory, MS 38821 Limited, Drive-thru $0
Community Bank of Mississippi 909 North 16th Aveue Laurel, MS 39440 Full Service B&M $259,405
Community Bank of Mississippi 998 Highway 51 Madison, MS 39110 Full Service B&M $60,075
Community Bank of Mississippi U.S. Highway 11 Sandersville, MS 39477 Full Service B&M $0
Community Bank of Mississippi 23797 Alabama Highway 98 Daphne, AL 36526 Full Service B&M $51,489
Community Bank of Mississippi 2441 Old Brandon Road Pearl, MS 39208 Full Service B&M $104,472
Community Bank of Mississippi 300 Jessamine Street Ellisville, MS 39437 Full Service B&M $122,248
Community Bank of Mississippi 302 22nd Avenue Meridian, MS 39301 Full Service B&M $190,384
Community Bank of Mississippi 307 West Main Street Tupelo, MS 38804 Full Service B&M $7,269
Community Bank of Mississippi 323 East Third Street Forest, MS 39074 Full Service B&M $229,781
Community Bank of Mississippi 3419 Market Street Pascagoula, MS 39567 Full Service B&M $60,334
Community Bank of Mississippi 345 East James Lee Boulevard Crestview, FL 32539 Full Service B&M $56,063
Community Bank of Mississippi 3537 Sangani Blvd Diberville, MS 39540 Full Service B&M $82,975
Community Bank of Mississippi 431 St. Frances Street Leakesville, MS 39451 Full Service B&M $49,776
Community Bank of Mississippi 448 Eglin Parkway Fort Walton Beach, FL 32547 Full Service B&M $36,576

For 2021, Community Bank Of Mississippi had 49 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $148,077
Net interest income $133,480
Total noninterest income $38,836
Gross Fiduciary activities income $0
Service charges on deposit accounts $8,800
Trading account gains and fees $0
Additional Noninterest Income $30,036
Pre-tax net operating income $53,914
Securities gains (or losses, -) $0
Income before extraordinary items $41,677
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $41,677
Minority interest net income $0
Net income $41,677
Sale, conversion, retirement of capital stock, net $390
Net operating income $41,677

Community Bank Of Mississippi's gross interest income from loans was $148,077,000.
Community Bank Of Mississippi's net interest income from loans was $133,480,000.
Community Bank Of Mississippi's fee based income from loans was $8,800,000.
Community Bank Of Mississippi's net income from loans was $41,677,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $14,597
Provision for credit losses $4,185
Total noninterest expense $114,217
Salaries and employee benefits $71,398
Premises and equipment expense $13,224
Additional noninterest expense $29,595
Applicable income taxes $12,237
Net charge-offs $1,205
Cash dividends $0

Community Bank Of Mississippi's interest expense for loans was $14,597,000.
Community Bank Of Mississippi's payroll and benefits expense were $71,398,000.
Community Bank Of Mississippi's property, plant and equipment expenses $13,224,000.

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 $4,049,022
Deposits held in domestic offices $4,049,022
Deposits by Individuals, partnerships, and corporations $3,715,528
Deposits by U.S. Government $719
Deposits by States and political subdivisions in the U.S. $326,406
Deposits by Commercial banks and other depository institutions in U.S. $6,369
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $511,224
Demand deposits $306,546
Nontransaction accounts $3,537,798
Money market deposit accounts (MMDAs) $2,294,957
Other savings deposits (excluding MMDAs) $314,816
Total time deposits $928,025
Total time and savings deposits $3,742,476
Noninterest-bearing deposits $306,546
Interest-bearing deposits $3,742,476
Retail deposits $3,792,230
IRAs and Keogh plan accounts $137,512
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $4,444,664
Cash & Balances due from depository institutions $247,153
Interest-bearing balances $183,751
Total securities $1,436,449
Federal funds sold & reverse repurchase $0
Net loans and leases $2,514,938
Loan and leases loss allowance $28,732
Trading account assets $0
Bank premises and fixed assets $124,539
Other real estate owned $8,179
Goodwill and other intangibles $17,547
All other assets $95,859

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $4,444,664
Total Liabilities $4,092,782
Total deposits $4,049,022
Interest-bearing deposits $3,742,476
Deposits held in domestic offices $4,049,022
% insured (estimated) $70
Federal funds purchased and repurchase agreements $2,014
Trading liabilities $0
Other borrowed funds $26,529
Subordinated debt $0
All other liabilities $15,217

Issued Loan Types

Type Value (in 000's)
Net loans and leases $2,514,938
Loan and leases loss allowance $28,732
Total loans and leases (domestic) $2,543,670
All real estate loans $2,077,750
Real estate loans in domestic offices $2,077,750
Construction and development loans $267,679
Residential 1-4 family construction $90,557
Other construction, all land development and other land $177,122
Loans secured by nonfarm nonresidential properties $661,594
Nonfarm nonresidential secured by owner-occupied properties $406,552
Commercial real estate & other non-farm, non-residential $255,042
Multifamily residential real estate $44,608
1-4 family residential loans $933,206
Farmland loans $170,663
Loans held in foreign offices $0
Farm loans $2,015
Commercial and industrial loans $381,024
To non-U.S. addressees $0
Loans to individuals $82,881
Credit card loans $0
Related Plans $2,723
Consumer Auto Loans $19,668
Other loans to individuals $60,490
All other loans & leases $0
Loans to foreign governments and official institutions $0
Other loans $0
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $1,006
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $668
Non 1-4 family restructured loans & leases $579
Total loans and leases (foreign) $0

Community Bank of Mississippi had $2,514,938,000 of loans outstanding in 2021. $2,077,750,000 of loans were in real estate loans. $267,679,000 of loans were in development loans. $44,608,000 of loans were in multifamily mortgage loans. $933,206,000 of loans were in 1-4 family mortgage loans. $2,015,000 of loans were in farm loans. $0 of loans were in credit card loans. $19,668,000 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 1,654 $342,883 $207,305
Nonfarm, nonresidential loans - <$100k 372 $16,342 $43,930
Nonfarm, nonresidential loans - $100-250k 576 $71,318 $123,816
Nonfarm, nonresidential loans - $250k-1MM 706 $255,223 $361,506
Commercial & Industrial, US addressed loans - <$1MM 6,806 $267,139 $39,251
Commercial & Industrial, US addressed loans - <$100k 5,987 $114,666 $19,152
Commercial & Industrial, US addressed loans - $100-250k 557 $65,635 $117,837
Commercial & Industrial, US addressed loans - $250k-1MM 262 $86,838 $331,443
Farmland loans - <$1MM 746 $55,137 $73,910
Farmland loans - <$100k 484 $16,602 $34,302
Farmland loans - $100-250k 189 $21,823 $115,466
Farmland loans - $250k-1MM 73 $16,712 $228,932
Agriculture operations loans - <$1MM 38 $1,465 $38,553
Agriculture operations loans - <$100k 33 $637 $19,303
Agriculture operations loans - $100-250k 3 $167 $55,667
Agriculture operations loans - $250k-1MM 2 $661 $330,500