Farmers And Merchants Trust Company Of Chambersburg Mortgage Rates, Fees & Info

Chambersburg, PA

LEI: 5493008E3WZYM5146L29

Tax ID: 23-0570230

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Farmers And Merchants Trust Company Of Chambersburg is a smaller mortgage company specializing in Refi and Home Purchase loans. Farmers And Merchants Trust Company Of Chambersburg has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Chambersburg, Harrisburg, York, Huntingdon, and Hagerstown among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Farmers And Merchants Trust Company Of Chambersburg has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Farmers And Merchants Trust Company Of Chambersburg 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 6.41% 12/16/24
    30 Year Conventional Refi 6.39% 12/16/24
    30 Year Cash-out Refi 6.39% 12/16/24
    30 Year FHA Purchase 7.18% 12/16/24
    30 Year VA Purchase 6.27% 12/16/24
    30 Year USDA Purchase 6.20% 12/16/24
    15 Year Conventional Purchase 6.15% 12/16/24
    15 Year Conventional Refi 5.98% 12/16/24
    15 Year Cash-out Refi 5.98% 12/16/24
    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.

    Farmers And Merchants Trust Company Of Chambersburg Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Farmers And Merchants Trust Company Of Chambersburg. 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

    1,231

    Origination Dollar Volume (All Markets)

    $207,915,000

    Employee count

    270 Show all (8) 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
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 631 $98,445,000 $156,014 $2,961 2.41%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 352 $67,360,000 $191,364 $3,256 2.48%
    YORK-HANOVER, PA (FHA|USDA|VA) 52 $9,820,000 $188,846 $2,886 2.50%
    Outside of Metro Areas 67 $8,145,000 $121,567 $2,674 2.52%
    Huntingdon, PA (FHA|USDA|VA) 58 $6,060,000 $104,483 $783 2.01%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 9 $4,565,000 $507,222 $2,618 3.21%
    GETTYSBURG, PA (FHA|USDA|VA) 21 $3,585,000 $170,714 $3,585 2.39%
    LEBANON, PA (FHA|USDA|VA) 11 $2,895,000 $263,182 $3,521 2.49%
    LANCASTER, PA (FHA|USDA|VA) 12 $2,490,000 $207,500 $3,932 2.74%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $1,180,000 $295,000 $3,392 2.78%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,115,000 $371,667 $4,508 2.42%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $765,000 $255,000 $2,955 3.83%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $385,000 $385,000 $1,111 2.76%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $350,000 $175,000 $3,143 2.63%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $335,000 $335,000 $3,233 2.88%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,536 2.75%
    Lewistown, PA (FHA|USDA|VA) 2 $160,000 $80,000 $3,202 2.62%
    GLENS FALLS, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.65%
    Farmers And Merchants Trust Company Of Chambersburg's top markets include Chambersburg, Harrisburg, York, Huntingdon, and Hagerstown among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • West Virginia (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)

    • Similar Lenders

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

    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 231
    Farmers and Merchants Trust Company of Chambersburg
    Similarity Rank: 234
    POINT BREEZE
    Similarity Rank: 384
    PEOPLESBANK, A CODORUS VALLEY COMPANY
    Similarity Rank: 432
    Sail Mortgage Corp.
    Similarity Rank: 640
    PATRIOT
    Similarity Rank: 918
    ACNB Bank
    Similarity Rank: 980
    BELCO COMMUNITY CREDIT UNION
    Similarity Rank: 990
    CORNING
    Similarity Rank: 1071
    NYMEO FEDERAL CREDIT UNION
    Similarity Rank: 1100

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 721 $147,535,000 $204,626 $2,956 3.00%
    HELOC 494 $57,650,000 $116,700 n/a 1.61%
    USDA 10 $1,690,000 $169,000 $5,221 2.86%
    FHA 6 $1,040,000 $173,333 $6,614 3.18%

    For 2020, Farmers And Merchants Trust Company Of Chambersburg's most frequently originated type of loan was Conventional, with 721 originations. Their 2nd most popular type was HELOC, with 494 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 631 $103,105,000 $163,399 $2,602 2.28%
    Home Purchase 306 $72,200,000 $235,948 $3,667 3.12%
    Other 136 $12,070,000 $88,750 $2,030 1.66%
    Home Improvement 100 $8,210,000 $82,100 $784 2.19%
    Cash Out Refi 58 $12,330,000 $212,586 $3,264 2.83%

    For 2020, Farmers And Merchants Trust Company Of Chambersburg's most frequently cited loan purpose was Refi, with 631 originations. The 2nd most popular reason was Home Purchase, with 306 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 533 $58,175,000 $109,146 $2,976 1.67%
    30 Year 356 $76,000,000 $213,483 $3,461 2.82%
    15 Year 171 $28,795,000 $168,392 $2,371 2.79%
    10 Year 83 $25,265,000 $304,398 $918 3.98%
    30+ year 38 $12,500,000 $328,947 $5,157 3.32%
    Other 23 $2,295,000 $99,783 $690 3.84%
    1 Year 21 $4,545,000 $216,429 $590 3.34%
    5 Year 6 $340,000 $56,667 $269 3.00%

    For 2020, Farmers And Merchants Trust Company Of Chambersburg's most frequently cited loan duration was 20 Year, with 533 originations. The 2nd most popular length was 30 Year, with 356 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 640 $125,870,000 $196,672
    $1k-2k 16 $3,870,000 $241,875

    Farmers And Merchants Trust Company Of Chambersburg's average total fees were $3,461, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 640 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 702 $93,480,000 $133,162
    2.5-3% 239 $48,005,000 $200,858
    3-4% 220 $54,440,000 $247,455
    4-5% 68 $11,910,000 $175,147
    5-6% 2 $80,000 $40,000

    During 2020, Farmers And Merchants Trust Company Of Chambersburg's average interest rate for loans was 2.82%, while their most frequently originated rate bucket for loans was <2.5%, with 702 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 476 $69,530,000 $146,071 $2,850 2.49%
    $100,000 or less 395 $21,155,000 $53,557 $1,483 2.14%
    $200k-400k 315 $83,885,000 $266,302 $3,615 2.65%
    $400k-600k 37 $17,275,000 $466,892 $4,918 3.05%
    $1MM+ 5 $13,885,000 $2,777,000 $0 3.84%
    $600k-1MM 3 $2,185,000 $728,333 $6,686 2.83%

    2020 saw Farmers And Merchants Trust Company Of Chambersburg place emphasis on $100k-200k loans with 476 originations, totaling $69,530,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 286 $36,730,000 $128,427 $2,720 2.38%
    $100k-150k 257 $46,525,000 $181,031 $3,197 2.35%
    $50k or less 220 $22,340,000 $101,545 $2,763 2.33%
    $75k-100k 187 $27,115,000 $145,000 $3,009 2.25%
    $150k-250k 132 $30,160,000 $228,485 $3,370 2.50%
    $250k+ 59 $15,855,000 $268,729 $3,820 2.50%

    Farmers And Merchants Trust Company Of Chambersburg lent most frequently to those with incomes in the $50k-75k range, with 286 originations. The second most popular income band? $100k-150k, with 257 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 353 $54,315,000 $153,867 $2,969 2.25%
    <20% 268 $36,290,000 $135,410 $2,839 1.96%
    30-36% 191 $28,205,000 $147,670 $2,859 2.37%
    42% 40 $6,650,000 $166,250 $2,765 2.61%
    39% 38 $6,680,000 $175,789 $3,157 2.59%
    41% 35 $6,095,000 $174,143 $2,677 2.58%
    40% 34 $6,670,000 $196,176 $3,166 2.39%
    36% 33 $6,275,000 $190,152 $4,017 2.42%
    38% 32 $3,960,000 $123,750 $2,769 2.60%
    37% 20 $3,680,000 $184,000 $3,244 2.37%
    44% 19 $3,725,000 $196,053 $3,311 2.81%
    48% 16 $3,590,000 $224,375 $3,503 3.12%
    45% 16 $3,700,000 $231,250 $3,533 2.71%
    43% 15 $3,115,000 $207,667 $3,324 2.75%
    47% 10 $2,170,000 $217,000 $3,321 2.91%
    49% 9 $1,305,000 $145,000 $3,040 2.89%
    46% 6 $1,410,000 $235,000 $4,649 2.13%
    50-60% 5 $1,085,000 $217,000 $3,762 2.75%
    >60% 1 $35,000 $35,000 $0 1.50%

    Farmers And Merchants Trust Company Of Chambersburg lent most frequently to those with DTI ratios of 20-30%, with 353 originations. The next most common DTI ratio? <20%, with 268 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,114 $173,850,000 $156,059 $2,990 2.36%
    Not applicable 50 $22,790,000 $455,800 $0 4.22%
    Not provided 26 $4,450,000 $171,154 $3,200 2.59%
    Asian 18 $3,330,000 $185,000 $3,430 2.08%
    Black 19 $2,815,000 $148,158 $3,843 2.54%
    American Indian 2 $340,000 $170,000 $3,908 2.00%
    Asian Indian 1 $175,000 $175,000 $3,278 2.75%
    Other Asian 1 $165,000 $165,000 $2,999 2.50%

    Approval Rates

    Total approvals of all applications
    86.78%

    Farmers And Merchants Trust Company Of Chambersburg has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.60%

    Farmers And Merchants Trust Company Of Chambersburg has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,231 $207,915,000 $168,899

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $1,005,000 $1,005,000
    Multifamily:Site-Built 16 $15,990,000 $999,375
    Single Family (1-4 Units):Manufactured 34 $2,860,000 $84,118
    Single Family (1-4 Units):Site-Built 1,180 $188,060,000 $159,373

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 184 $17,650,000 $95,924 $1,561 1.98%
    40-60% 192 $29,070,000 $151,406 $2,517 2.36%
    60-80% 427 $96,945,000 $227,037 $3,084 2.71%
    80-100% 279 $59,205,000 $212,204 $3,623 2.75%
    Under 20% 147 $4,735,000 $32,211 $425 1.72%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Farmers and Merchants Trust Company of Chambersburg 100 Lincoln Way East Mcconnellsburg, PA 17233 Full Service B&M $70,087
    Farmers and Merchants Trust Company of Chambersburg 1100 Lincoln Way West Hamilton Township, PA 17201 Full Service B&M $80,942
    Farmers and Merchants Trust Company of Chambersburg 13 Shippensburg Shopping Center Shippensburg, PA 17257 Full Service B&M $94,994
    Farmers and Merchants Trust Company of Chambersburg 1625 Philadelphia Avenue Chambersburg, PA 17201 Full Service B&M $12,863
    Farmers and Merchants Trust Company of Chambersburg 1712 Lincoln Way East Chambersburg, PA 17201 Full Service B&M $74,634
    Farmers and Merchants Trust Company of Chambersburg 18810 Sandy Ridge Station Orbisonia, PA 17243 Full Service B&M $21,992
    Farmers and Merchants Trust Company of Chambersburg 1901 Ritner Highway Carlisle, PA 17013 Full Service B&M $56,949
    Farmers and Merchants Trust Company of Chambersburg 2 Park Street Mont Alto, PA 17237 Full Service B&M $77,895
    Farmers and Merchants Trust Company of Chambersburg 20 South Main Street Chambersburg, PA 17201 Full Service B&M $169,464
    Farmers and Merchants Trust Company of Chambersburg 200 East Main Street Waynesboro, PA 17268 Full Service B&M $78,764
    Farmers and Merchants Trust Company of Chambersburg 2075 Scotland Avenue Chambersburg, PA 17201 Full Service B&M $13,228
    Farmers and Merchants Trust Company of Chambersburg 2405 Philadelphia Avenue Extended Chambersburg, PA 17201 Full Service B&M $82,508
    Farmers and Merchants Trust Company of Chambersburg 3 East First Street Boiling Springs, PA 17007 Full Service B&M $38,258
    Farmers and Merchants Trust Company of Chambersburg 3907 Market Street Camp Hill, PA 17011 Full Service B&M $6,947
    Farmers and Merchants Trust Company of Chambersburg 518 N. Antrim Way Greencastle, PA 17225 Full Service B&M $74,090
    Farmers and Merchants Trust Company of Chambersburg 6375 Carlisle Pike Mechanicsburg, PA 17055 Full Service B&M $59,537
    Farmers and Merchants Trust Company of Chambersburg 7781 Waterfall Road Hustontown, PA 17229 Full Service B&M $15,107
    Farmers and Merchants Trust Company of Chambersburg 800 East High Street Carlisle, PA 17013 Full Service B&M $0
    Farmers and Merchants Trust Company of Chambersburg 841 Wayne Avenue Chambersburg, PA 17201 Full Service B&M $93,989
    Farmers and Merchants Trust Company of Chambersburg 870 Norland Avenue Chambersburg, PA 17201 Full Service B&M $62,277
    Farmers and Merchants Trust Company of Chambersburg 9 West Big Spring Avenue Newville, PA 17241 Full Service B&M $28,468
    Farmers and Merchants Trust Company of Chambersburg Carlisle Crossing Branch, 214a Westminster Drive Carlisle, PA 17013 Full Service B&M $26,207
    Farmers and Merchants Trust Company of Chambersburg Colorado Street Marion, PA 17235 Full Service B&M $34,688

    For 2020, Farmers And Merchants Trust Company Of Chambersburg had 23 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $50,658
    Net interest income $47,108
    Total noninterest income $13,351
    Gross Fiduciary activities income $5,829
    Service charges on deposit accounts $2,520
    Trading account gains and fees $0
    Additional Noninterest Income $5,002
    Pre-tax net operating income $15,001
    Securities gains (or losses, -) $29
    Income before extraordinary items $14,341
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,341
    Minority interest net income $0
    Net income $14,341
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,313

    Farmers And Merchants Trust Company Of Chambersburg's gross interest income from loans was $50,658,000.
    Farmers And Merchants Trust Company Of Chambersburg's net interest income from loans was $47,108,000.
    Farmers And Merchants Trust Company Of Chambersburg's fee based income from loans was $2,520,000.
    Farmers And Merchants Trust Company Of Chambersburg's net income from loans was $14,341,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,550
    Provision for credit losses $4,625
    Total noninterest expense $40,833
    Salaries and employee benefits $24,701
    Premises and equipment expense $3,523
    Additional noninterest expense $12,609
    Applicable income taxes $689
    Net charge-offs $-198
    Cash dividends $6,639

    Farmers And Merchants Trust Company Of Chambersburg's interest expense for loans was $3,550,000.
    Farmers And Merchants Trust Company Of Chambersburg's payroll and benefits expense were $24,701,000.
    Farmers And Merchants Trust Company Of Chambersburg's property, plant and equipment expenses $3,523,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 1.0%
    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 $1,374,787
    Deposits held in domestic offices $1,374,787
    Deposits by Individuals, partnerships, and corporations $1,183,698
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $186,375
    Deposits by Commercial banks and other depository institutions in U.S. $4,714
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $238,963
    Demand deposits $193,042
    Nontransaction accounts $1,135,824
    Money market deposit accounts (MMDAs) $501,017
    Other savings deposits (excluding MMDAs) $558,157
    Total time deposits $76,650
    Total time and savings deposits $1,181,745
    Noninterest-bearing deposits $279,274
    Interest-bearing deposits $1,095,513
    Retail deposits $1,365,958
    IRAs and Keogh plan accounts $29,978
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,534,167
    Cash & Balances due from depository institutions $69,887
    Interest-bearing balances $52,828
    Total securities $396,940
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,002,361
    Loan and leases loss allowance $16,789
    Trading account assets $0
    Bank premises and fixed assets $18,377
    Other real estate owned $0
    Goodwill and other intangibles $9,016
    All other assets $37,586

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,534,167
    Total Liabilities $1,391,283
    Total deposits $1,374,787
    Interest-bearing deposits $1,095,513
    Deposits held in domestic offices $1,374,787
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $5,332
    Subordinated debt $0
    All other liabilities $11,164

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,002,361
    Loan and leases loss allowance $16,789
    Total loans and leases (domestic) $1,019,150
    All real estate loans $732,316
    Real estate loans in domestic offices $732,316
    Construction and development loans $105,639
    Residential 1-4 family construction $16,309
    Other construction, all land development and other land $89,330
    Loans secured by nonfarm nonresidential properties $372,443
    Nonfarm nonresidential secured by owner-occupied properties $152,105
    Commercial real estate & other non-farm, non-residential $220,338
    Multifamily residential real estate $17,280
    1-4 family residential loans $212,030
    Farmland loans $24,924
    Loans held in foreign offices $0
    Farm loans $4,499
    Commercial and industrial loans $125,339
    To non-U.S. addressees $0
    Loans to individuals $5,577
    Credit card loans $0
    Related Plans $2,465
    Consumer Auto Loans $941
    Other loans to individuals $2,171
    All other loans & leases $151,419
    Loans to foreign governments and official institutions $0
    Other loans $6,140
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $634
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $8,747
    Non 1-4 family restructured loans & leases $8,110
    Total loans and leases (foreign) $0

    Farmers and Merchants Trust Company of Chambersburg had $1,002,361,000 of loans outstanding in 2020. $732,316,000 of loans were in real estate loans. $105,639,000 of loans were in development loans. $17,280,000 of loans were in multifamily mortgage loans. $212,030,000 of loans were in 1-4 family mortgage loans. $4,499,000 of loans were in farm loans. $0 of loans were in credit card loans. $941,000 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 339 $72,147 $212,823
    Nonfarm, nonresidential loans - <$100k 64 $2,894 $45,219
    Nonfarm, nonresidential loans - $100-250k 108 $12,332 $114,185
    Nonfarm, nonresidential loans - $250k-1MM 167 $56,921 $340,844
    Commercial & Industrial, US addressed loans - <$1MM 793 $34,816 $43,904
    Commercial & Industrial, US addressed loans - <$100k 573 $14,100 $24,607
    Commercial & Industrial, US addressed loans - $100-250k 133 $8,379 $63,000
    Commercial & Industrial, US addressed loans - $250k-1MM 87 $12,337 $141,805
    Farmland loans - <$1MM 91 $9,902 $108,813
    Farmland loans - <$100k 41 $1,090 $26,585
    Farmland loans - $100-250k 28 $3,394 $121,214
    Farmland loans - $250k-1MM 22 $5,418 $246,273
    Agriculture operations loans - <$1MM 47 $1,141 $24,277
    Agriculture operations loans - <$100k 44 $1,060 $24,091
    Agriculture operations loans - $100-250k 3 $81 $27,000