Citizens State Bank Of La Crosse Mortgage Rates, Fees & Info

La Crosse, WI

LEI: 5493008L7BNNEPSS6V79

Tax ID: 39-0210160

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
  • Complaints
  • 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

    Citizens State Bank Of La Crosse is a smaller bank specializing in Home Purchase and Refi loans. Citizens State Bank Of La Crosse has a high proportion of conventional loans. Their top markets by origination volume include: La Crosse, Eau Claire, Minneapolis, Wisconsin Rapids, and Austin among others. We have data for 27 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens State Bank Of La Crosse 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. Citizens State Bank Of La Crosse 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
    30 Year Conventional Purchase 7.03% 11/17/24
    30 Year Conventional Refi 6.55% 11/17/24
    30 Year Cash-out Refi 6.94% 11/17/24
    15 Year Conventional Purchase 5.79% 11/17/24
    15 Year Conventional Refi 6.99% 11/17/24
    15 Year Cash-out Refi 6.99% 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.

    Citizens State Bank Of La Crosse Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Citizens State Bank Of La Crosse. 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

    373

    Origination Dollar Volume (All Markets)

    $116,705,000

    Employee count

    78

    Awards

    Citizens State Bank of La Crosse 30 Year Conventional Loans silver Citizens State Bank of La Crosse 30 Year Conventional Loans gold Citizens State Bank of La Crosse 30 Year Conventional Loans gold
    Show all (3) 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
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 178 $49,470,000 $277,921 $1,922 3.74%
    Outside of Metro Areas 74 $13,010,000 $175,811 $1,856 3.64%
    EAU CLAIRE, WI (FHA|USDA|VA) 55 $12,775,000 $232,273 $1,902 3.49%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 9 $9,975,000 $1,108,333 $2,665 3.47%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 4 $7,820,000 $1,955,000 $0 4.24%
    Austin, MN (FHA|USDA|VA) 1 $5,865,000 $5,865,000 $0 3.69%
    Stevens Point, WI (FHA|USDA|VA) 3 $4,655,000 $1,551,667 $0 4.21%
    Winona, MN (FHA|USDA|VA) 9 $3,095,000 $343,889 $2,483 4.31%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $2,155,000 $307,857 $2,209 3.14%
    APPLETON, WI (FHA|USDA|VA) 4 $1,610,000 $402,500 $0 4.43%
    Menomonie, WI (FHA|USDA|VA) 6 $1,360,000 $226,667 $1,693 3.76%
    ROCHESTER, MN (FHA|USDA|VA) 2 $770,000 $385,000 $2,901 3.06%
    FOND DU LAC, WI (FHA|USDA|VA) 4 $600,000 $150,000 $0 4.43%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $545,000 $545,000 $5,504 4.50%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $450,000 $225,000 $0 4.37%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.24%
    MADISON, WI (FHA|USDA|VA) 2 $300,000 $150,000 $1,601 2.94%
    GREEN BAY, WI (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.49%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $245,000 $245,000 $3,139 3.38%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $235,000 $235,000 $2,066 2.50%
    PEORIA, IL (FHA|USDA|VA) 1 $225,000 $225,000 $1,557 2.38%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,061 2.63%
    Baraboo, WI (FHA|USDA|VA) 2 $210,000 $105,000 $0 4.49%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $165,000 $165,000 $1,681 3.50%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $155,000 $155,000 $2,100 3.00%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,176 2.88%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $95,000 $95,000 $2,518 2.75%
    Citizens State Bank Of La Crosse's top markets include La Crosse, Eau Claire, Minneapolis, Wisconsin Rapids, and Austin among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)

    • Similar Lenders

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

    Prevail Bank
    Similarity Rank: 88
    Firefighters Credit Union
    Similarity Rank: 125
    Forward Bank
    Similarity Rank: 400
    VERVE, A CREDIT UNION
    Similarity Rank: 483
    Farmers & Merchants Savings Bank
    Similarity Rank: 720
    CO-OP Credit Union
    Similarity Rank: 812
    Anoka Hennepin Credit Union
    Similarity Rank: 826
    MY Credit Union
    Similarity Rank: 1200
    Liberty Bank Minnesota
    Similarity Rank: 1488
    Bank Midwest
    Similarity Rank: 1740

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 373 $116,705,000 $312,882 $1,966 3.69%

    For 2021, Citizens State Bank Of La Crosse's most frequently originated type of loan was Conventional, with 373 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 158 $49,610,000 $313,987 $2,620 4.00%
    Refi 129 $47,735,000 $370,039 $1,622 3.53%
    Cash Out Refi 86 $19,360,000 $225,116 $1,728 3.36%

    For 2021, Citizens State Bank Of La Crosse's most frequently cited loan purpose was Home Purchase, with 158 originations. The 2nd most popular reason was Refi, with 129 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 181 $42,395,000 $234,227 $2,028 3.40%
    5 Year 90 $44,610,000 $495,667 $0 4.42%
    15 Year 47 $8,985,000 $191,170 $1,670 2.61%
    Other 19 $7,545,000 $397,105 $1,523 4.97%
    1 Year 15 $2,665,000 $177,667 $0 4.95%
    20 Year 12 $3,060,000 $255,000 $2,465 3.17%
    3 Year 6 $7,050,000 $1,175,000 $0 4.55%
    10 Year 3 $395,000 $131,667 $1,317 2.21%

    For 2021, Citizens State Bank Of La Crosse's most frequently cited loan duration was 30 Year, with 181 originations. The 2nd most popular length was 5 Year, with 90 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 233 $52,665,000 $226,030
    $1k-2k 6 $890,000 $148,333
    $2k-3k 3 $455,000 $151,667
    $5k+ 2 $730,000 $365,000
    $3k-4k 1 $255,000 $255,000
    $4k-5k 1 $425,000 $425,000

    Citizens State Bank Of La Crosse's average total fees were $2,028, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 233 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 136 $50,990,000 $374,926
    4-5% 88 $33,680,000 $382,727
    2.5-3% 76 $18,050,000 $237,500
    <2.5% 35 $7,375,000 $210,714
    5-6% 30 $5,590,000 $186,333
    6-7% 8 $1,020,000 $127,500

    During 2021, Citizens State Bank Of La Crosse's average interest rate for loans was 3.40%, while their most frequently originated rate bucket for loans was 3-4%, with 136 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 150 $21,980,000 $146,533 $1,904 3.80%
    $200k-400k 122 $33,210,000 $272,213 $1,934 3.44%
    $100,000 or less 45 $3,435,000 $76,333 $1,747 3.99%
    $400k-600k 34 $16,350,000 $480,882 $2,497 3.40%
    $1MM+ 15 $36,525,000 $2,435,000 $0 4.14%
    $600k-1MM 7 $5,205,000 $743,571 $0 4.40%

    2021 saw Citizens State Bank Of La Crosse place emphasis on $100k-200k loans with 150 originations, totaling $21,980,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 46 $11,420,000 $248,261 $2,037 3.25%
    $250k+ 42 $13,700,000 $326,190 $2,044 3.35%
    $150k-250k 39 $10,035,000 $257,308 $2,030 3.13%
    $75k-100k 36 $6,370,000 $176,944 $1,795 3.31%
    $50k-75k 34 $5,420,000 $159,412 $1,980 3.11%
    $50k or less 32 $4,000,000 $125,000 $1,852 3.45%

    Citizens State Bank Of La Crosse lent most frequently to those with incomes in the $100k-150k range, with 46 originations. The second most popular income band? $250k+, with 42 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 85 $17,775,000 $209,118 $1,855 3.18%
    <20% 43 $11,895,000 $276,628 $2,057 3.18%
    30-36% 40 $8,430,000 $210,750 $2,065 3.28%
    38% 7 $1,645,000 $235,000 $2,000 3.48%
    40% 7 $1,415,000 $202,143 $1,827 3.05%
    42% 6 $1,140,000 $190,000 $2,346 3.10%
    39% 6 $1,280,000 $213,333 $1,513 3.27%
    43% 6 $1,040,000 $173,333 $1,865 3.63%
    36% 5 $765,000 $153,000 $1,981 3.43%
    37% 5 $1,005,000 $201,000 $1,726 3.45%
    47% 4 $660,000 $165,000 $1,843 2.91%
    45% 3 $435,000 $145,000 $2,301 3.58%
    41% 3 $715,000 $238,333 $1,698 3.25%
    48% 3 $625,000 $208,333 $1,794 3.38%
    50-60% 3 $565,000 $188,333 $4,106 3.67%
    46% 3 $735,000 $245,000 $2,166 3.50%
    >60% 3 $815,000 $271,667 $1,360 4.08%
    44% 3 $715,000 $238,333 $1,900 3.38%
    49% 1 $515,000 $515,000 $3,088 3.25%

    Citizens State Bank Of La Crosse lent most frequently to those with DTI ratios of 20-30%, with 85 originations. The next most common DTI ratio? <20%, with 43 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 121 $60,135,000 $496,983 $1,941 4.35%
    White 227 $51,185,000 $225,485 $1,959 3.40%
    Not provided 13 $3,205,000 $246,538 $2,216 3.36%
    Asian 9 $1,625,000 $180,556 $1,859 3.01%
    Other Asian 2 $410,000 $205,000 $1,808 3.06%
    Black 1 $145,000 $145,000 $1,666 2.25%

    Approval Rates

    Total approvals of all applications
    96.43%

    Citizens State Bank Of La Crosse 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
    91.69%

    Citizens State Bank Of La Crosse has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 373 $116,705,000 $312,882

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    373 $116,705,000 $312,882

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 24 $5,580,000 $232,500 $1,513 3.39%
    40-60% 62 $14,720,000 $237,419 $1,678 3.28%
    60-80% 180 $58,430,000 $324,611 $2,087 3.75%
    80-100% 100 $37,350,000 $373,500 $2,216 3.86%
    Under 20% 7 $625,000 $89,286 $1,084 4.43%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens State Bank of LA Crosse 101 Prentice Street, South Clayton, WI 54004 Full Service B&M $47,252
    Citizens State Bank of LA Crosse 1028 N Hillcrest Pkwy Altoona, WI 54720 Full Service B&M $20,351
    Citizens State Bank of LA Crosse 620 Main Street La Crosse, WI 54601 Full Service B&M $246,080
    Citizens State Bank of LA Crosse 625 Main Street Onalaska, WI 54650 Full Service B&M $23,273

    For 2021, Citizens State Bank Of La Crosse had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $19,336
    Net interest income $16,953
    Total noninterest income $5,848
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $386
    Trading account gains and fees $0
    Additional Noninterest Income $5,462
    Pre-tax net operating income $13,093
    Securities gains (or losses, -) $0
    Income before extraordinary items $13,079
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $13,079
    Minority interest net income $0
    Net income $13,079
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $13,079

    Citizens State Bank Of La Crosse's gross interest income from loans was $19,336,000.
    Citizens State Bank Of La Crosse's net interest income from loans was $16,953,000.
    Citizens State Bank Of La Crosse's fee based income from loans was $386,000.
    Citizens State Bank Of La Crosse's net income from loans was $13,079,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,383
    Provision for credit losses $325
    Total noninterest expense $9,383
    Salaries and employee benefits $6,231
    Premises and equipment expense $760
    Additional noninterest expense $2,392
    Applicable income taxes $14
    Net charge-offs $2
    Cash dividends $6,950

    Citizens State Bank Of La Crosse's interest expense for loans was $2,383,000.
    Citizens State Bank Of La Crosse's payroll and benefits expense were $6,231,000.
    Citizens State Bank Of La Crosse's property, plant and equipment expenses $760,000.

    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 0.3%
    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 $373,531
    Deposits held in domestic offices $373,531
    Deposits by Individuals, partnerships, and corporations $308,925
    Deposits by U.S. Government $186
    Deposits by States and political subdivisions in the U.S. $24,393
    Deposits by Commercial banks and other depository institutions in U.S. $40,027
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $171,947
    Demand deposits $131,999
    Nontransaction accounts $201,584
    Money market deposit accounts (MMDAs) $76,116
    Other savings deposits (excluding MMDAs) $38,119
    Total time deposits $87,348
    Total time and savings deposits $241,532
    Noninterest-bearing deposits $131,999
    Interest-bearing deposits $241,533
    Retail deposits $338,708
    IRAs and Keogh plan accounts $4,877
    Brokered deposits $27,249
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $451,795
    Cash & Balances due from depository institutions $42,395
    Interest-bearing balances $28,184
    Total securities $1,945
    Federal funds sold & reverse repurchase $459
    Net loans and leases $397,029
    Loan and leases loss allowance $3,320
    Trading account assets $0
    Bank premises and fixed assets $5,207
    Other real estate owned $1,235
    Goodwill and other intangibles $135
    All other assets $3,390

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $451,795
    Total Liabilities $411,288
    Total deposits $373,531
    Interest-bearing deposits $241,533
    Deposits held in domestic offices $373,531
    % insured (estimated) $61
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $37,438
    Subordinated debt $0
    All other liabilities $319

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $397,029
    Loan and leases loss allowance $3,320
    Total loans and leases (domestic) $400,349
    All real estate loans $345,697
    Real estate loans in domestic offices $345,697
    Construction and development loans $48,343
    Residential 1-4 family construction $5,900
    Other construction, all land development and other land $42,443
    Loans secured by nonfarm nonresidential properties $150,108
    Nonfarm nonresidential secured by owner-occupied properties $99,918
    Commercial real estate & other non-farm, non-residential $50,190
    Multifamily residential real estate $50,078
    1-4 family residential loans $82,220
    Farmland loans $14,948
    Loans held in foreign offices $0
    Farm loans $852
    Commercial and industrial loans $49,901
    To non-U.S. addressees $0
    Loans to individuals $3,233
    Credit card loans $1,359
    Related Plans $24
    Consumer Auto Loans $1,165
    Other loans to individuals $685
    All other loans & leases $666
    Loans to foreign governments and official institutions $0
    Other loans $545
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $70
    Non 1-4 family restructured loans & leases $70
    Total loans and leases (foreign) $0

    Citizens State Bank of La Crosse had $397,029,000 of loans outstanding in 2021. $345,697,000 of loans were in real estate loans. $48,343,000 of loans were in development loans. $50,078,000 of loans were in multifamily mortgage loans. $82,220,000 of loans were in 1-4 family mortgage loans. $852,000 of loans were in farm loans. $1,359,000 of loans were in credit card loans. $1,165,000 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 216 $47,782 $221,213
    Nonfarm, nonresidential loans - <$100k 51 $2,403 $47,118
    Nonfarm, nonresidential loans - $100-250k 69 $8,850 $128,261
    Nonfarm, nonresidential loans - $250k-1MM 96 $36,529 $380,510
    Commercial & Industrial, US addressed loans - <$1MM 213 $17,280 $81,127
    Commercial & Industrial, US addressed loans - <$100k 115 $2,684 $23,339
    Commercial & Industrial, US addressed loans - $100-250k 48 $4,000 $83,333
    Commercial & Industrial, US addressed loans - $250k-1MM 50 $10,596 $211,920
    Farmland loans - <$1MM 31 $4,606 $148,581
    Farmland loans - <$100k 11 $300 $27,273
    Farmland loans - $100-250k 9 $1,263 $140,333
    Farmland loans - $250k-1MM 11 $3,043 $276,636
    Agriculture operations loans - <$1MM 24 $852 $35,500
    Agriculture operations loans - <$100k 20 $636 $31,800
    Agriculture operations loans - $100-250k 4 $216 $54,000