Community Bank Of Mississippi Mortgage Rates, Fees & Info

Forest, MS

LEI: 5493005QK4NV0ZZ5EM64

Tax ID: 64-0154830

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

Jump to:

Mortgage Data

Bank Data

Review & Overview

Community Bank Of Mississippi is a smaller bank specializing in Home Purchase and Refi 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 by origination volume include: Jackson, Gulfport, Hattiesburg, Memphis, and Laurel among others. We have data for 37 markets. (Some data included below & more in-depth data is available with an active subscription.)

Community Bank Of Mississippi has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Community Bank Of Mississippi is typically a low 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
Home Equity Line of Credit (HELOC) 6.27% 11/17/24
30 Year Conventional Purchase 6.66% 11/17/24
30 Year Conventional Refi 6.61% 11/17/24
30 Year Cash-out Refi 6.85% 11/17/24
30 Year FHA Purchase 7.19% 11/17/24
30 Year FHA Refi 7.32% 11/17/24
30 Year VA Purchase 6.30% 11/17/24
30 Year VA Refi 6.20% 11/17/24
30 Year USDA Purchase 6.60% 11/17/24
15 Year Conventional Purchase 6.18% 11/17/24
15 Year Conventional Refi 6.29% 11/17/24
15 Year Cash-out Refi 6.29% 11/17/24
15 Year VA Refi 6.57% 11/17/24
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.

Community Bank Of Mississippi Mortgage Calculator






Your Estimates

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

This is not an official calculator from Community Bank Of Mississippi. 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

4,030

Origination Dollar Volume (All Markets)

$577,460,000

Employee count

798 Show all (23) awards

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
JACKSON, MS (FHA|USDA|VA) 860 $142,430,000 $165,616 $3,542 4.72%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 480 $68,300,000 $142,292 $3,147 5.01%
Outside of Metro Areas 595 $56,255,000 $94,546 $2,012 5.63%
HATTIESBURG, MS (FHA|USDA|VA) 280 $40,730,000 $145,464 $2,782 5.05%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 269 $40,505,000 $150,576 $3,818 4.95%
Laurel, MS (FHA|USDA|VA) 417 $39,605,000 $94,976 $2,029 5.70%
Tupelo, MS (FHA|USDA|VA) 284 $37,450,000 $131,866 $2,284 4.79%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 111 $36,745,000 $331,036 $3,782 4.64%
MOBILE, AL (FHA|USDA|VA) 229 $33,345,000 $145,611 $2,842 4.60%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 149 $30,285,000 $203,255 $3,535 4.63%
PANAMA CITY, FL (FHA|USDA|VA) 73 $14,735,000 $201,849 $4,403 5.18%
Meridian, MS (FHA|USDA|VA) 102 $12,160,000 $119,216 $1,759 5.44%
Starkville, MS (FHA|USDA|VA) 19 $5,755,000 $302,895 $2,137 5.47%
Indianola, MS (FHA|USDA|VA) 83 $5,005,000 $60,301 $2,050 5.52%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 13 $3,365,000 $258,846 $4,051 4.79%
Oxford, MS (FHA|USDA|VA) 23 $3,345,000 $145,435 $3,070 5.12%
Picayune, MS (FHA|USDA|VA) 7 $1,695,000 $242,143 $2,312 5.16%
Greenville, MS (FHA|USDA|VA) 9 $885,000 $98,333 $3,372 4.96%
Columbus, MS (FHA|USDA|VA) 3 $695,000 $231,667 $4,466 4.88%
Jasper, AL (FHA|USDA|VA) 1 $505,000 $505,000 $2,091 5.25%
MONTGOMERY, AL (FHA|USDA|VA) 1 $425,000 $425,000 $3,111 5.10%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $395,000 $395,000 $10,000 4.25%
Greenwood, MS (FHA|USDA|VA) 3 $395,000 $131,667 $0 4.33%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $355,000 $355,000 $3,520 4.75%
Cleveland, MS (FHA|USDA|VA) 3 $255,000 $85,000 $2,451 4.80%
Clarksdale, MS (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.95%
DOTHAN, AL (FHA|USDA|VA) 1 $225,000 $225,000 $0 1.90%
Opelousas, LA (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.50%
Grenada, MS (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.25%
McComb, MS (FHA|USDA|VA) 2 $160,000 $80,000 $2,007 5.85%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.90%
Paragould, AR (FHA|USDA|VA) 1 $145,000 $145,000 $3,106 4.75%
Vicksburg, MS (FHA|USDA|VA) 2 $140,000 $70,000 $675 5.88%
Mountain Home, AR (FHA|USDA|VA) 1 $115,000 $115,000 $796 5.25%
Atmore, AL (FHA|USDA|VA) 1 $105,000 $105,000 $2,201 4.88%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.25%
Corinth, MS (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.50%
Community Bank Of Mississippi's top markets include Jackson, Gulfport, Hattiesburg, Memphis, and Laurel among others.

Their top states include:
  • Mississippi (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Similar Lenders

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

    Eglin Federal Credit Union
    Similarity Rank: 30
    NAVIGATOR CU
    Similarity Rank: 208
    MORTGAGE ONE OF THE SOUTH, INC.
    Similarity Rank: 228
    Jefferson Credit Union
    Similarity Rank: 228
    Eco Credit Union
    Similarity Rank: 368
    Liberty Mortgage Corporation
    Similarity Rank: 432
    Centennial Lending Group LLC.
    Similarity Rank: 496
    Financial Federal Bank
    Similarity Rank: 882
    First Citizens National Bank
    Similarity Rank: 1044
    AMERICA'S FIRST
    Similarity Rank: 1095

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,826 $409,320,000 $144,841 $2,289 5.54%
    HELOC 621 $67,575,000 $108,816 n/a 3.57%
    FHA 332 $53,710,000 $161,777 $5,439 4.42%
    VA 126 $28,410,000 $225,476 $4,909 4.32%
    USDA 125 $18,445,000 $147,560 $2,226 4.44%

    For 2018, Community Bank Of Mississippi's most frequently originated type of loan was Conventional, with 2,826 originations. Their 2nd most popular type was HELOC, with 621 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,061 $353,345,000 $171,443 $3,383 5.01%
    Refi 1,476 $189,220,000 $128,198 $1,626 5.55%
    Other 319 $19,945,000 $62,524 $1,364 3.53%
    Home Improvement 134 $7,050,000 $52,612 $970 4.55%
    Cash Out Refi 40 $7,900,000 $197,500 $3,937 4.81%

    For 2018, Community Bank Of Mississippi's most frequently cited loan purpose was Home Purchase, with 2,061 originations. The 2nd most popular reason was Refi, with 1,476 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,346 $259,970,000 $193,143 $3,731 4.64%
    Other 1,134 $137,920,000 $121,623 $1,571 5.95%
    10 Year 490 $46,840,000 $95,592 $2,266 2.99%
    5 Year 410 $42,120,000 $102,732 $1,017 5.88%
    3 Year 247 $25,075,000 $101,518 $461 5.94%
    1 Year 204 $31,280,000 $153,333 $3,317 5.59%
    15 Year 129 $21,585,000 $167,326 $2,764 4.73%
    20 Year 62 $10,780,000 $173,871 $3,322 5.04%
    30+ year 8 $1,890,000 $236,250 $6,262 5.00%

    For 2018, Community Bank Of Mississippi's most frequently cited loan duration was 30 Year, with 1,346 originations. The 2nd most popular length was Other, with 1,134 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,663 $247,355,000 $148,740
    $1k-2k 260 $34,920,000 $134,308
    $2k-3k 104 $21,700,000 $208,654
    $3k-4k 31 $9,065,000 $292,419
    $4k-5k 14 $5,280,000 $377,143
    $5k+ 6 $2,900,000 $483,333

    Community Bank Of Mississippi's average total fees were $3,731, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,663 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,582 $302,330,000 $191,106
    5-6% 1,352 $171,660,000 $126,967
    6-7% 414 $30,720,000 $74,203
    <2.5% 314 $30,330,000 $96,592
    3-4% 150 $31,350,000 $209,000
    7-8% 143 $7,515,000 $52,552
    Over 8% 75 $3,555,000 $47,400

    During 2018, Community Bank Of Mississippi's average interest rate for loans was 4.64%, while their most frequently originated rate bucket for loans was 4-5%, with 1,582 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,882 $91,210,000 $48,464 $1,535 5.39%
    $100k-200k 1,197 $172,425,000 $144,048 $3,199 4.83%
    $200k-400k 803 $214,295,000 $266,868 $4,037 4.73%
    $400k-600k 97 $45,875,000 $472,938 $4,120 4.72%
    $600k-1MM 32 $23,430,000 $732,188 $5,387 5.04%
    $1MM+ 19 $30,225,000 $1,590,789 $136 4.85%

    2018 saw Community Bank Of Mississippi place emphasis on $100,000 or less loans with 1,882 originations, totaling $91,210,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 841 $99,225,000 $117,985 $2,819 5.11%
    $50k or less 779 $62,975,000 $80,841 $2,340 5.29%
    $100k-150k 621 $95,045,000 $153,052 $3,242 4.74%
    $75k-100k 584 $83,530,000 $143,031 $3,354 4.98%
    $150k-250k 350 $63,240,000 $180,686 $3,038 4.78%
    $250k+ 213 $55,675,000 $261,385 $2,910 4.84%

    Community Bank Of Mississippi lent most frequently to those with incomes in the $50k-75k range, with 841 originations. The second most popular income band? $50k or less, with 779 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 635 $82,135,000 $129,346 $2,540 4.86%
    30-36% 531 $79,495,000 $149,708 $2,908 4.84%
    <20% 419 $48,545,000 $115,859 $2,037 4.76%
    40% 115 $17,775,000 $154,565 $3,126 4.96%
    38% 103 $15,085,000 $146,456 $2,906 4.86%
    50-60% 101 $18,455,000 $182,723 $4,638 4.65%
    39% 97 $14,965,000 $154,278 $2,990 5.17%
    42% 93 $14,805,000 $159,194 $3,469 4.94%
    37% 93 $12,495,000 $134,355 $2,823 4.76%
    36% 92 $13,580,000 $147,609 $2,940 4.79%
    41% 88 $12,900,000 $146,591 $3,173 4.79%
    43% 67 $9,745,000 $145,448 $3,292 4.96%
    44% 59 $9,505,000 $161,102 $3,331 4.73%
    45% 54 $8,330,000 $154,259 $3,368 4.61%
    47% 48 $9,530,000 $198,542 $4,219 4.68%
    49% 39 $7,025,000 $180,128 $3,358 4.71%
    46% 39 $6,475,000 $166,026 $3,352 4.71%
    48% 34 $6,520,000 $191,765 $3,359 4.84%
    >60% 30 $3,740,000 $124,667 $1,092 5.78%

    Community Bank Of Mississippi lent most frequently to those with DTI ratios of 20-30%, with 635 originations. The next most common DTI ratio? 30-36%, with 531 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,967 $420,005,000 $141,559 $2,851 4.95%
    Not applicable 538 $95,800,000 $178,067 $0 5.51%
    Black 437 $48,205,000 $110,309 $2,885 5.38%
    Asian 58 $9,560,000 $164,828 $3,257 5.16%
    Not provided 12 $2,120,000 $176,667 $3,388 4.69%
    Native Hawaiian or Islander 4 $840,000 $210,000 $1,966 4.79%
    Other Asian 8 $730,000 $91,250 $3,078 4.60%
    American Indian 4 $110,000 $27,500 $829 6.45%
    Asian Indian 1 $75,000 $75,000 $0 5.29%
    Other Pacific Islander 1 $15,000 $15,000 $0 4.50%

    Approval Rates

    Total approvals of all applications
    96.49%

    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
    90.50%

    Community Bank Of Mississippi has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,030 $577,460,000 $143,290

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 12 $3,150,000 $262,500
    Multifamily:Site-Built 77 $36,115,000 $469,026
    Single Family (1-4 Units):Manufactured 262 $12,490,000 $47,672
    Single Family (1-4 Units):Site-Built 3,679 $525,705,000 $142,893

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 454 $39,560,000 $87,137 $1,373 4.90%
    40-60% 570 $75,560,000 $132,561 $2,146 5.37%
    60-80% 1,133 $176,015,000 $155,353 $2,502 5.37%
    80-100% 1,412 $249,260,000 $176,530 $3,504 4.94%
    Over 100% 68 $14,280,000 $210,000 $4,847 5.33%
    Under 20% 393 $22,785,000 $57,977 $825 4.41%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Community Lending of America, Inc. VA mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community Bank of Mississippi 100 Richard Jackson Boulevard, Suite 100 Panama City Beach, FL 32407 Full Service B&M $69,387
    Community Bank of Mississippi 111 I-65 Service Road Mobile, AL 36608 Full Service B&M $36,454
    Community Bank of Mississippi 12036 Highway 49 Gulfport, MS 39503 Full Service B&M $48,957
    Community Bank of Mississippi 1255 West Government Street Brandon, MS 39042 Full Service B&M $188,064
    Community Bank of Mississippi 12590 Emerald Coast Parkway Miramar Beach, FL 32550 Full Service B&M $114,396
    Community Bank of Mississippi 1317 North Gloster Tupelo, MS 38804 Full Service B&M $77,123
    Community Bank of Mississippi 140 East Metro Flowood, MS 39232 Full Service B&M $146,630
    Community Bank of Mississippi 147 Highway 82 Indianola, MS 38751 Full Service B&M $90,964
    Community Bank of Mississippi 1665 Lakeland Drive Jackson, MS 39216 Full Service B&M $40,859
    Community Bank of Mississippi 1871 Spillway Road Brandon, MS 39047 Full Service B&M $29,203
    Community Bank of Mississippi 2015 East Pass Road Gulfport, MS 39506 Full Service B&M $55,941
    Community Bank of Mississippi 210 Mimosa Drive Raleigh, MS 39153 Full Service B&M $62,582
    Community Bank of Mississippi 2157 Highway 15 North Laurel, MS 39440 Full Service B&M $0
    Community Bank of Mississippi 2314 Bienville Blvd Ocean Springs, MS 39564 Full Service B&M $90,593
    Community Bank of Mississippi 23797 Alabama Highway 98 Daphne, AL 36526 Full Service B&M $33,507
    Community Bank of Mississippi 2441 Old Brandon Road Pearl, MS 39208 Full Service B&M $59,139
    Community Bank of Mississippi 300 Jessamine Street Ellisville, MS 39437 Full Service B&M $100,218
    Community Bank of Mississippi 302 22nd Avenue Meridian, MS 39301 Full Service B&M $154,651
    Community Bank of Mississippi 307 West Main Street Tupelo, MS 38804 Full Service B&M $549
    Community Bank of Mississippi 323 East Third Street Forest, MS 39074 Full Service B&M $218,509
    Community Bank of Mississippi 3419 Market Street Pascagoula, MS 39567 Full Service B&M $28,456
    Community Bank of Mississippi 345 East James Lee Boulevard Crestview, FL 32539 Full Service B&M $34,108
    Community Bank of Mississippi 3537 Sangani Blvd Diberville, MS 39540 Full Service B&M $61,949
    Community Bank of Mississippi 431 St. Frances Street Leakesville, MS 39451 Full Service B&M $32,205
    Community Bank of Mississippi 475 East Commerce Street Hernando, MS 38632 Full Service B&M $46,393
    Community Bank of Mississippi 5010 Hardy Street Hattiesburg, MS 39402 Full Service B&M $125,395
    Community Bank of Mississippi 5012 Highway 39 North Meridian, MS 39301 Full Service B&M $44,935
    Community Bank of Mississippi 5110 Main Street Lucedale, MS 39452 Full Service B&M $45,216
    Community Bank of Mississippi 5159 Highway 84 West Laurel, MS 39440 Full Service B&M $22,702
    Community Bank of Mississippi 6095 Highway 49 South Hattiesburg, MS 39401 Full Service B&M $29,140
    Community Bank of Mississippi 6158 Old Canton Road Jackson, MS 39211 Full Service B&M $45,896
    Community Bank of Mississippi 6305 Highway 405 Olive Branch, MS 38654 Full Service B&M $52,333
    Community Bank of Mississippi 6465 North Quail Hollow Road Memphis, TN 38120 Full Service B&M $7,250
    Community Bank of Mississippi 6587 Airport Boulevard Mobile, AL 36608 Full Service B&M $54,020
    Community Bank of Mississippi 677 Dr. Martin Luther King Jr. Boulevard Biloxi, MS 39530 Full Service B&M $64,482
    Community Bank of Mississippi 6910 Airways Blvd Southaven, MS 38671 Full Service B&M $70,361
    Community Bank of Mississippi 751 Lake Harbour Drive Ridgeland, MS 39157 Full Service B&M $62,400
    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 $48,417
    Community Bank of Mississippi 900 North Main Street Amory, MS 38821 Full Service B&M $149,304
    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 $177,153
    Community Bank of Mississippi 998 Highway 51 Madison, MS 39110 Full Service B&M $44,444
    Community Bank of Mississippi U.S. Highway 11 Sandersville, MS 39477 Full Service B&M $0

    For 2018, Community Bank Of Mississippi had 44 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $134,798
    Net interest income $112,630
    Total noninterest income $18,509
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $9,353
    Trading account gains and fees $0
    Additional Noninterest Income $9,156
    Pre-tax net operating income $37,274
    Securities gains (or losses, -) $0
    Income before extraordinary items $28,765
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $28,765
    Minority interest net income $0
    Net income $28,765
    Sale, conversion, retirement of capital stock, net $390
    Net operating income $28,765

    Community Bank Of Mississippi's gross interest income from loans was $134,798,000.
    Community Bank Of Mississippi's net interest income from loans was $112,630,000.
    Community Bank Of Mississippi's fee based income from loans was $9,353,000.
    Community Bank Of Mississippi's net income from loans was $28,765,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $22,168
    Provision for credit losses $2,614
    Total noninterest expense $91,251
    Salaries and employee benefits $56,480
    Premises and equipment expense $11,543
    Additional noninterest expense $23,228
    Applicable income taxes $8,509
    Net charge-offs $2,982
    Cash dividends $15,000

    Community Bank Of Mississippi's interest expense for loans was $22,168,000.
    Community Bank Of Mississippi's payroll and benefits expense were $56,480,000.
    Community Bank Of Mississippi's property, plant and equipment expenses $11,543,000.

    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 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,928,158
    Deposits held in domestic offices $2,928,158
    Deposits by Individuals, partnerships, and corporations $2,650,386
    Deposits by U.S. Government $266
    Deposits by States and political subdivisions in the U.S. $267,427
    Deposits by Commercial banks and other depository institutions in U.S. $10,079
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $280,731
    Demand deposits $156,605
    Nontransaction accounts $2,647,427
    Money market deposit accounts (MMDAs) $1,346,684
    Other savings deposits (excluding MMDAs) $169,634
    Total time deposits $1,131,109
    Total time and savings deposits $2,771,553
    Noninterest-bearing deposits $156,605
    Interest-bearing deposits $2,771,553
    Retail deposits $2,627,459
    IRAs and Keogh plan accounts $145,421
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,239,014
    Cash & Balances due from depository institutions $184,382
    Interest-bearing balances $144,803
    Total securities $676,393
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,177,039
    Loan and leases loss allowance $20,317
    Trading account assets $0
    Bank premises and fixed assets $100,717
    Other real estate owned $12,608
    Goodwill and other intangibles $17,945
    All other assets $69,930

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,239,014
    Total Liabilities $2,963,300
    Total deposits $2,928,158
    Interest-bearing deposits $2,771,553
    Deposits held in domestic offices $2,928,158
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $3,367
    Trading liabilities $0
    Other borrowed funds $14,493
    Subordinated debt $0
    All other liabilities $17,282

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,177,039
    Loan and leases loss allowance $20,317
    Total loans and leases (domestic) $2,197,356
    All real estate loans $1,897,390
    Real estate loans in domestic offices $1,897,390
    Construction and development loans $252,957
    Residential 1-4 family construction $77,883
    Other construction, all land development and other land $175,074
    Loans secured by nonfarm nonresidential properties $537,659
    Nonfarm nonresidential secured by owner-occupied properties $338,705
    Commercial real estate & other non-farm, non-residential $198,954
    Multifamily residential real estate $43,406
    1-4 family residential loans $867,325
    Farmland loans $196,043
    Loans held in foreign offices $0
    Farm loans $1,993
    Commercial and industrial loans $203,690
    To non-U.S. addressees $0
    Loans to individuals $94,283
    Credit card loans $0
    Related Plans $3,185
    Consumer Auto Loans $22,377
    Other loans to individuals $68,721
    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 $51
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,791
    Non 1-4 family restructured loans & leases $1,549
    Total loans and leases (foreign) $0

    Community Bank of Mississippi had $2,177,039,000 of loans outstanding in 2018. $1,897,390,000 of loans were in real estate loans. $252,957,000 of loans were in development loans. $43,406,000 of loans were in multifamily mortgage loans. $867,325,000 of loans were in 1-4 family mortgage loans. $1,993,000 of loans were in farm loans. $0 of loans were in credit card loans. $22,377,000 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 1,586 $301,420 $190,050
    Nonfarm, nonresidential loans - <$100k 405 $18,142 $44,795
    Nonfarm, nonresidential loans - $100-250k 564 $69,908 $123,950
    Nonfarm, nonresidential loans - $250k-1MM 617 $213,370 $345,818
    Commercial & Industrial, US addressed loans - <$1MM 3,471 $145,799 $42,005
    Commercial & Industrial, US addressed loans - <$100k 2,932 $58,784 $20,049
    Commercial & Industrial, US addressed loans - $100-250k 384 $40,501 $105,471
    Commercial & Industrial, US addressed loans - $250k-1MM 155 $46,514 $300,090
    Farmland loans - <$1MM 398 $33,819 $84,972
    Farmland loans - <$100k 230 $7,888 $34,296
    Farmland loans - $100-250k 110 $12,838 $116,709
    Farmland loans - $250k-1MM 58 $13,093 $225,741
    Agriculture operations loans - <$1MM 63 $1,993 $31,635
    Agriculture operations loans - <$100k 58 $1,152 $19,862
    Agriculture operations loans - $100-250k 2 $163 $81,500
    Agriculture operations loans - $250k-1MM 3 $678 $226,000