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

Jump to:

  • 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 Lancaster 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.

    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% 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

    1,133

    Origination Dollar Volume (All Markets)

    $247,075,000

    Employee count

    276 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) 620 $118,070,000 $190,435 $3,349 2.40%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 296 $91,240,000 $308,243 $3,818 2.64%
    YORK-HANOVER, PA (FHA|USDA|VA) 50 $11,540,000 $230,800 $4,435 2.93%
    Outside of Metro Areas 56 $6,360,000 $113,571 $2,718 2.17%
    Huntingdon, PA (FHA|USDA|VA) 53 $4,945,000 $93,302 $2,514 2.21%
    LANCASTER, PA (FHA|USDA|VA) 9 $3,315,000 $368,333 $4,181 2.68%
    GETTYSBURG, PA (FHA|USDA|VA) 17 $3,175,000 $186,765 $3,608 2.61%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $1,890,000 $315,000 $4,228 2.33%
    LEBANON, PA (FHA|USDA|VA) 6 $1,550,000 $258,333 $4,442 2.75%
    Lewisburg, PA (FHA|USDA|VA) 4 $1,320,000 $330,000 $4,233 2.91%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 5 $995,000 $199,000 $2,900 3.65%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $555,000 $185,000 $3,966 2.75%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $465,000 $465,000 $5,631 2.99%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $455,000 $455,000 $3,779 2.75%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $440,000 $220,000 $3,756 2.56%
    Lewistown, PA (FHA|USDA|VA) 2 $320,000 $160,000 $3,290 2.63%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.00%
    READING, PA (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.50%
    Farmers And Merchants Trust Company Of Chambersburg's top markets include Chambersburg, Harrisburg, York, Huntingdon, and Lancaster among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • West Virginia (FHA|USDA|VA)
  • North Carolina (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.

    POINT BREEZE
    Similarity Rank: 63
    Sail Mortgage Corp.
    Similarity Rank: 360
    PATRIOT
    Similarity Rank: 540
    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 740
    CNB Bank Inc.
    Similarity Rank: 1080
    Farmers and Merchants Trust Company of Chambersburg
    Similarity Rank: 1170
    ACNB Bank
    Similarity Rank: 1380
    AMERICAN FEDERAL MORTGAGE CORPORATION
    Similarity Rank: 1605
    Summit Community Bank, Inc.
    Similarity Rank: 1728
    MILLENNIUM FINANCIAL GROUP, INC.
    Similarity Rank: 2080

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 701 $176,955,000 $252,432 $3,408 3.02%
    HELOC 406 $65,290,000 $160,813 n/a 1.57%
    USDA 14 $2,180,000 $155,714 $5,313 2.50%
    FHA 10 $1,920,000 $192,000 $7,185 2.90%
    VA 2 $730,000 $365,000 $12,864 2.50%

    For 2021, Farmers And Merchants Trust Company Of Chambersburg's most frequently originated type of loan was Conventional, with 701 originations. Their 2nd most popular type was HELOC, with 406 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 469 $93,885,000 $200,181 $2,813 2.35%
    Home Purchase 372 $119,410,000 $320,995 $4,275 3.04%
    Home Improvement 117 $8,645,000 $73,889 $1,183 1.75%
    Other 98 $9,410,000 $96,020 $1,500 1.70%
    Cash Out Refi 77 $15,725,000 $204,221 $3,590 2.81%

    For 2021, Farmers And Merchants Trust Company Of Chambersburg's most frequently cited loan purpose was Refi, with 469 originations. The 2nd most popular reason was Home Purchase, with 372 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 441 $50,525,000 $114,569 $3,597 1.64%
    30 Year 377 $82,255,000 $218,183 $4,085 2.82%
    10 Year 113 $61,195,000 $541,549 $1,321 3.81%
    15 Year 108 $18,770,000 $173,796 $2,304 2.81%
    30+ year 41 $13,215,000 $322,317 $5,235 3.15%
    Other 28 $5,200,000 $185,714 $1,865 3.38%
    1 Year 15 $2,975,000 $198,333 $555 2.84%
    5 Year 8 $12,910,000 $1,613,750 $313 3.69%
    3 Year 2 $30,000 $15,000 $326 1.80%

    For 2021, Farmers And Merchants Trust Company Of Chambersburg's most frequently cited loan duration was 20 Year, with 441 originations. The 2nd most popular length was 30 Year, with 377 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 575 $116,995,000 $203,470
    $1k-2k 39 $8,235,000 $211,154
    $2k-3k 9 $2,495,000 $277,222
    $3k-4k 2 $960,000 $480,000
    $5k+ 2 $860,000 $430,000
    $4k-5k 1 $435,000 $435,000

    Farmers And Merchants Trust Company Of Chambersburg's average total fees were $4,085, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 575 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 579 $79,045,000 $136,520
    2.5-3% 294 $76,310,000 $259,558
    3-4% 193 $80,495,000 $417,073
    4-5% 67 $11,225,000 $167,537

    During 2021, 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 579 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 456 $66,400,000 $145,614 $3,086 2.63%
    $100,000 or less 323 $18,085,000 $55,991 $1,589 2.07%
    $200k-400k 294 $79,130,000 $269,150 $4,339 2.62%
    $400k-600k 46 $22,110,000 $480,652 $5,782 2.87%
    $1MM+ 7 $55,985,000 $7,997,857 $0 3.64%
    $600k-1MM 7 $5,365,000 $766,429 $7,181 3.50%

    2021 saw Farmers And Merchants Trust Company Of Chambersburg place emphasis on $100k-200k loans with 456 originations, totaling $66,400,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 250 $36,370,000 $145,480 $3,417 2.41%
    $50k or less 216 $21,670,000 $100,324 $2,996 2.34%
    $100k-150k 202 $37,440,000 $185,347 $3,631 2.31%
    $75k-100k 190 $33,060,000 $174,000 $3,326 2.42%
    $150k-250k 115 $27,835,000 $242,043 $4,473 2.37%
    $250k+ 40 $12,010,000 $300,250 $4,431 2.39%

    Farmers And Merchants Trust Company Of Chambersburg lent most frequently to those with incomes in the $50k-75k range, with 250 originations. The second most popular income band? $50k or less, with 216 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 322 $50,540,000 $156,957 $3,182 2.28%
    <20% 210 $28,680,000 $136,571 $3,052 1.95%
    30-36% 186 $34,140,000 $183,548 $3,991 2.41%
    39% 43 $7,975,000 $185,465 $3,529 2.49%
    36% 39 $6,655,000 $170,641 $3,584 2.27%
    42% 35 $6,945,000 $198,429 $4,145 2.56%
    38% 34 $5,730,000 $168,529 $3,455 2.69%
    40% 28 $4,570,000 $163,214 $3,667 2.61%
    41% 26 $4,780,000 $183,846 $3,660 2.51%
    37% 26 $3,740,000 $143,846 $3,234 2.30%
    43% 16 $3,480,000 $217,500 $3,746 2.61%
    47% 11 $2,615,000 $237,727 $3,951 2.77%
    48% 11 $2,485,000 $225,909 $4,056 2.92%
    46% 11 $2,275,000 $206,818 $3,887 2.66%
    44% 10 $2,730,000 $273,000 $3,912 2.86%
    45% 8 $1,920,000 $240,000 $4,816 2.75%
    49% 7 $1,835,000 $262,143 $3,972 2.76%
    50-60% 2 $450,000 $225,000 $6,266 2.75%

    Farmers And Merchants Trust Company Of Chambersburg lent most frequently to those with DTI ratios of 20-30%, with 322 originations. The next most common DTI ratio? <20%, with 210 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,006 $180,030,000 $178,956 $3,478 2.36%
    Not applicable 77 $56,205,000 $729,935 $0 4.09%
    Asian 18 $4,450,000 $247,222 $4,958 2.65%
    Not provided 12 $3,230,000 $269,167 $4,232 2.69%
    Black 15 $2,055,000 $137,000 $4,312 2.70%
    Other Asian 3 $665,000 $221,667 $3,410 3.37%
    Vietnamese 1 $295,000 $295,000 $3,022 2.13%
    Native Hawaiian or Islander 1 $145,000 $145,000 $0 1.50%

    Approval Rates

    Total approvals of all applications
    87.26%

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

    Pick Rate

    Approvals leading to origination
    87.56%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,133 $247,075,000 $218,071

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,133 $247,075,000 $218,071

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 161 $14,715,000 $91,398 $1,893 1.87%
    40-60% 180 $25,750,000 $143,056 $2,571 2.35%
    60-80% 372 $132,500,000 $356,183 $3,434 2.82%
    80-100% 284 $67,040,000 $236,056 $4,459 2.83%
    Under 20% 135 $6,915,000 $51,222 $290 1.76%

    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 $76,799
    Farmers and Merchants Trust Company of Chambersburg 1100 Lincoln Way West Hamilton Township, PA 17201 Full Service B&M $94,644
    Farmers and Merchants Trust Company of Chambersburg 13 Shippensburg Shopping Center Shippensburg, PA 17257 Full Service B&M $105,332
    Farmers and Merchants Trust Company of Chambersburg 1625 Philadelphia Avenue Chambersburg, PA 17201 Full Service B&M $12,913
    Farmers and Merchants Trust Company of Chambersburg 1712 Lincoln Way East Chambersburg, PA 17201 Full Service B&M $85,733
    Farmers and Merchants Trust Company of Chambersburg 18810 Sandy Ridge Station Orbisonia, PA 17243 Full Service B&M $24,247
    Farmers and Merchants Trust Company of Chambersburg 1901 Ritner Highway Carlisle, PA 17013 Full Service B&M $53,058
    Farmers and Merchants Trust Company of Chambersburg 2 Park Street Mont Alto, PA 17237 Full Service B&M $86,010
    Farmers and Merchants Trust Company of Chambersburg 20 South Main Street Chambersburg, PA 17201 Full Service B&M $236,459
    Farmers and Merchants Trust Company of Chambersburg 200 East Main Street Waynesboro, PA 17268 Full Service B&M $100,996
    Farmers and Merchants Trust Company of Chambersburg 2075 Scotland Avenue Chambersburg, PA 17201 Full Service B&M $12,836
    Farmers and Merchants Trust Company of Chambersburg 2405 Philadelphia Avenue Extended Chambersburg, PA 17201 Full Service B&M $99,577
    Farmers and Merchants Trust Company of Chambersburg 3 East First Street Boiling Springs, PA 17007 Full Service B&M $42,778
    Farmers and Merchants Trust Company of Chambersburg 3907 Market Street Camp Hill, PA 17011 Full Service B&M $0
    Farmers and Merchants Trust Company of Chambersburg 518 N. Antrim Way Greencastle, PA 17225 Full Service B&M $93,749
    Farmers and Merchants Trust Company of Chambersburg 6375 Carlisle Pike Mechanicsburg, PA 17055 Full Service B&M $70,822
    Farmers and Merchants Trust Company of Chambersburg 7781 Waterfall Road Hustontown, PA 17229 Full Service B&M $15,423
    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 $108,930
    Farmers and Merchants Trust Company of Chambersburg 870 Norland Avenue Chambersburg, PA 17201 Full Service B&M $83,995
    Farmers and Merchants Trust Company of Chambersburg 9 West Big Spring Avenue Newville, PA 17241 Full Service B&M $33,185
    Farmers and Merchants Trust Company of Chambersburg Carlisle Crossing Branch, 214a Westminster Drive Carlisle, PA 17013 Full Service B&M $26,967
    Farmers and Merchants Trust Company of Chambersburg Colorado Street Marion, PA 17235 Full Service B&M $46,509

    For 2021, Farmers And Merchants Trust Company Of Chambersburg had 23 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $50,339
    Net interest income $48,486
    Total noninterest income $19,344
    Gross Fiduciary activities income $6,947
    Service charges on deposit accounts $2,744
    Trading account gains and fees $0
    Additional Noninterest Income $9,653
    Pre-tax net operating income $25,394
    Securities gains (or losses, -) $127
    Income before extraordinary items $21,584
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $21,584
    Minority interest net income $0
    Net income $21,584
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $21,476

    Farmers And Merchants Trust Company Of Chambersburg's gross interest income from loans was $50,339,000.
    Farmers And Merchants Trust Company Of Chambersburg's net interest income from loans was $48,486,000.
    Farmers And Merchants Trust Company Of Chambersburg's fee based income from loans was $2,744,000.
    Farmers And Merchants Trust Company Of Chambersburg's net income from loans was $21,584,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,853
    Provision for credit losses $-2,100
    Total noninterest expense $44,536
    Salaries and employee benefits $27,321
    Premises and equipment expense $3,749
    Additional noninterest expense $13,466
    Applicable income taxes $3,937
    Net charge-offs $-377
    Cash dividends $4,050

    Farmers And Merchants Trust Company Of Chambersburg's interest expense for loans was $1,853,000.
    Farmers And Merchants Trust Company Of Chambersburg's payroll and benefits expense were $27,321,000.
    Farmers And Merchants Trust Company Of Chambersburg's property, plant and equipment expenses $3,749,000.

    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 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 $1,602,130
    Deposits held in domestic offices $1,602,130
    Deposits by Individuals, partnerships, and corporations $1,354,414
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $243,245
    Deposits by Commercial banks and other depository institutions in U.S. $4,471
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $828,143
    Demand deposits $528,933
    Nontransaction accounts $773,987
    Money market deposit accounts (MMDAs) $579,826
    Other savings deposits (excluding MMDAs) $119,398
    Total time deposits $74,763
    Total time and savings deposits $1,073,197
    Noninterest-bearing deposits $316,174
    Interest-bearing deposits $1,285,956
    Retail deposits $1,586,974
    IRAs and Keogh plan accounts $28,264
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,773,423
    Cash & Balances due from depository institutions $185,641
    Interest-bearing balances $175,178
    Total securities $529,811
    Federal funds sold & reverse repurchase $0
    Net loans and leases $986,573
    Loan and leases loss allowance $15,066
    Trading account assets $0
    Bank premises and fixed assets $23,949
    Other real estate owned $0
    Goodwill and other intangibles $9,016
    All other assets $38,433

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,773,423
    Total Liabilities $1,615,867
    Total deposits $1,602,130
    Interest-bearing deposits $1,285,956
    Deposits held in domestic offices $1,602,130
    % insured (estimated) $91
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $4,857
    Subordinated debt $0
    All other liabilities $8,880

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $986,573
    Loan and leases loss allowance $15,066
    Total loans and leases (domestic) $1,001,639
    All real estate loans $750,690
    Real estate loans in domestic offices $750,690
    Construction and development loans $113,213
    Residential 1-4 family construction $20,657
    Other construction, all land development and other land $92,556
    Loans secured by nonfarm nonresidential properties $370,603
    Nonfarm nonresidential secured by owner-occupied properties $141,959
    Commercial real estate & other non-farm, non-residential $228,644
    Multifamily residential real estate $36,353
    1-4 family residential loans $207,254
    Farmland loans $23,267
    Loans held in foreign offices $0
    Farm loans $4,099
    Commercial and industrial loans $92,873
    To non-U.S. addressees $0
    Loans to individuals $6,406
    Credit card loans $0
    Related Plans $1,912
    Consumer Auto Loans $2,919
    Other loans to individuals $1,575
    All other loans & leases $147,571
    Loans to foreign governments and official institutions $0
    Other loans $6,902
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $3,302
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $4,464
    Non 1-4 family restructured loans & leases $3,853
    Total loans and leases (foreign) $0

    Farmers and Merchants Trust Company of Chambersburg had $986,573,000 of loans outstanding in 2021. $750,690,000 of loans were in real estate loans. $113,213,000 of loans were in development loans. $36,353,000 of loans were in multifamily mortgage loans. $207,254,000 of loans were in 1-4 family mortgage loans. $4,099,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,919,000 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 351 $71,876 $204,775
    Nonfarm, nonresidential loans - <$100k 60 $2,486 $41,433
    Nonfarm, nonresidential loans - $100-250k 124 $14,157 $114,169
    Nonfarm, nonresidential loans - $250k-1MM 167 $55,233 $330,737
    Commercial & Industrial, US addressed loans - <$1MM 821 $38,541 $46,944
    Commercial & Industrial, US addressed loans - <$100k 610 $17,049 $27,949
    Commercial & Industrial, US addressed loans - $100-250k 128 $8,643 $67,523
    Commercial & Industrial, US addressed loans - $250k-1MM 83 $12,849 $154,807
    Farmland loans - <$1MM 83 $8,837 $106,470
    Farmland loans - <$100k 36 $984 $27,333
    Farmland loans - $100-250k 28 $3,031 $108,250
    Farmland loans - $250k-1MM 19 $4,822 $253,789
    Agriculture operations loans - <$1MM 44 $963 $21,886
    Agriculture operations loans - <$100k 41 $860 $20,976
    Agriculture operations loans - $100-250k 3 $103 $34,333