The First A National Banking Association Mortgage Rates, Fees & Info
Hattiesburg, MSLEI: 5493008OE5JXNTGWD962
Tax ID: 64-0878155
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Bank Data
Review & Overview
The First A National Banking Association is a smaller bank specializing in Home Purchase and Refi loans. The First A National Banking Association 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: New Orleans, Hattiesburg, Pensacola, Crestview, and Daphne among others. We have data for 58 markets. (Some data included below & more in-depth data is available with an active subscription.)The First A National Banking Association has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The First A National Banking Association is typically an average 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% | 3/19/23 |
| 30 Year Conventional Purchase | 6.74% | 3/19/23 |
| 30 Year Conventional Refi | 6.50% | 3/19/23 |
| 30 Year Cash-out Refi | 6.57% | 3/19/23 |
| 30 Year FHA Purchase | 6.98% | 3/19/23 |
| 30 Year FHA Refi | 7.54% | 3/19/23 |
| 30 Year VA Purchase | 6.28% | 3/19/23 |
| 30 Year VA Refi | 5.90% | 3/19/23 |
| 30 Year USDA Purchase | 6.37% | 3/19/23 |
| 30 Year USDA Refi | 6.40% | 3/19/23 |
| 15 Year Conventional Purchase | 6.71% | 3/19/23 |
| 15 Year Conventional Refi | 6.31% | 3/19/23 |
| 15 Year Cash-out Refi | 6.31% | 3/19/23 |
| 15 Year FHA Refi | 7.34% | 3/19/23 |
| 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. | ||
Originations
1,690Origination Dollar Volume (All Markets)
$551,150,000Employee count
794Relative Rate
The First A National Banking Association's average 30 year fixed mortgage rate was
3.14%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.01%.
Relative Fees (Closing Costs)
The First A National Banking Association's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,961.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
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 |
|---|---|---|---|---|---|
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 129 | $92,795,000 | $719,341 | $3,858 | 3.76% |
| HATTIESBURG, MS (FHA|USDA|VA) | 213 | $60,885,000 | $285,845 | $3,774 | 3.09% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 62 | $57,920,000 | $934,194 | $0 | 3.43% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 95 | $51,065,000 | $537,526 | $4,736 | 3.86% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 106 | $39,110,000 | $368,962 | $0 | 3.37% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 152 | $33,740,000 | $221,974 | $4,789 | 3.72% |
| MOBILE, AL (FHA|USDA|VA) | 140 | $27,660,000 | $197,571 | $0 | 3.33% |
| JACKSON, MS (FHA|USDA|VA) | 115 | $27,515,000 | $239,261 | $0 | 2.92% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 106 | $25,270,000 | $238,396 | $0 | 3.34% |
| VALDOSTA, GA (FHA|USDA|VA) | 106 | $23,170,000 | $218,585 | $1,736 | 4.06% |
| BATON ROUGE, LA (FHA|USDA|VA) | 91 | $20,845,000 | $229,066 | $0 | 3.54% |
| HAMMOND, LA (FHA|USDA|VA) | 85 | $16,565,000 | $194,882 | $0 | 3.99% |
| Moultrie, GA (FHA|USDA|VA) | 52 | $10,950,000 | $210,577 | $0 | 4.09% |
| Laurel, MS (FHA|USDA|VA) | 62 | $9,790,000 | $157,903 | $0 | 3.46% |
| Outside of Metro Areas | 43 | $8,355,000 | $194,302 | $0 | 3.61% |
| Thomasville, GA (FHA|USDA|VA) | 44 | $7,890,000 | $179,318 | $0 | 3.95% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $5,225,000 | $5,225,000 | $0 | 3.75% |
| Douglas, GA (FHA|USDA|VA) | 1 | $4,675,000 | $4,675,000 | $0 | 3.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $3,605,000 | $3,605,000 | $0 | 3.95% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $3,270,000 | $817,500 | $0 | 3.65% |
| PANAMA CITY, FL (FHA|USDA|VA) | 10 | $2,890,000 | $289,000 | $4,095 | 3.91% |
| Tifton, GA (FHA|USDA|VA) | 8 | $2,220,000 | $277,500 | $0 | 3.98% |
| Picayune, MS (FHA|USDA|VA) | 11 | $1,535,000 | $139,545 | $0 | 3.55% |
| Starkville, MS (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $0 | 3.72% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $0 | 3.06% |
| Key West, FL (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $0 | 3.70% |
| Meridian, MS (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $0 | 3.29% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $0 | 3.48% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 3.30% |
| Oxford, MS (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $0 | 3.82% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 3.75% |
| Bogalusa, LA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $0 | 4.00% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $0 | 3.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 2.25% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 2.74% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 3.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 3.50% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 3.00% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 2.94% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 4.00% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 3.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 3.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.20% |
| ALBANY, GA (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $0 | 5.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.30% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 2.88% |
| MONROE, LA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 3.88% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.99% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.00% |
| Ozark, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.15% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.75% |
| McComb, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 2.75% |
| Troy, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.23% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.00% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.75% |
Product Mix
For 2021, The First A National Banking Association's most frequently originated type of loan was Conventional, with 1,474 originations. Their 2nd most popular type was USDA, with 68 originations.
Loan Reason
For 2021, The First A National Banking Association's most frequently cited loan purpose was Home Purchase, with 833 originations. The 2nd most popular reason was Refi, with 622 originations.
Loan Duration/Length
For 2021, The First A National Banking Association's most frequently cited loan duration was 30 Year, with 880 originations. The 2nd most popular length was 15 Year, with 236 originations.
Origination Fees/Closing Costs
The First A National Banking Association's average total fees were $3,961, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 858 originations.
Interest Rates
During 2021, The First A National Banking Association's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 3-4%, with 586 originations.
Loan Sizing
2021 saw The First A National Banking Association place emphasis on $200k-400k loans with 538 originations, totaling $146,740,000 in origination value.
Applicant Income
The First A National Banking Association lent most frequently to those with incomes in the $100k-150k range, with 287 originations. The second most popular income band? $50k-75k, with 274 originations.
Applicant Debt to Income Ratio
The First A National Banking Association lent most frequently to those with DTI ratios of 20-30%, with 346 originations. The next most common DTI ratio? 30-36%, with 243 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.41%
The First A National Banking Association has an average approval rate.
Pick Rate
Approvals leading to origination82.19%
The First A National Banking Association has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1135.0 | 1 | $95,000 | $95,000 |
| 2200.12 | 1 | $235,000 | $235,000 |
| NA | 1,688 | $550,820,000 | $326,315 |
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The First, A National Banking Association | 100 Eastbrook Drive, Suite 190 Petal, MS 39465 | Full Service B&M | $2,406 |
| The First, A National Banking Association | 1041 Veterans Blvd. Metairie, LA 70005 | Full Service B&M | $57,996 |
| The First, A National Banking Association | 1063 Industrial Parkway Saraland, AL 36571 | Full Service B&M | $52,020 |
| The First, A National Banking Association | 10861 Dauphin Island Parkway Theodore, AL 36582 | Full Service B&M | $35,094 |
| The First, A National Banking Association | 110 South 40th Avenue Hattiesburg, MS 39402 | Full Service B&M | $109,680 |
| The First, A National Banking Association | 1126 Jackson Ave, Suite 101 Pascagoula, MS 39567 | Full Service B&M | $222,178 |
| The First, A National Banking Association | 1177 College Boulevard Pensacola, FL 32504 | Full Service B&M | $28,549 |
| The First, A National Banking Association | 1207 North Mckenzie Street Foley, AL 36535 | Full Service B&M | $82,224 |
| The First, A National Banking Association | 124 Border Street Wiggins, MS 39577 | Full Service B&M | $59,698 |
| The First, A National Banking Association | 1300 25th Avenue Gulfport, MS 39501 | Full Service B&M | $135,174 |
| The First, A National Banking Association | 1300 West Morris Avenue Hammond, LA 70403 | Full Service B&M | $191,915 |
| The First, A National Banking Association | 1313 East Jackson Street Thomasville, GA 31792 | Full Service B&M | $70,946 |
| The First, A National Banking Association | 1400 East Park Avenue Tallahassee, FL 32301 | Full Service B&M | $93,149 |
| The First, A National Banking Association | 1945 Highway 15 North Laurel, MS 39441 | Full Service B&M | $213,852 |
| The First, A National Banking Association | 19495 North Third Street Citronelle, AL 36522 | Full Service B&M | $77,597 |
| The First, A National Banking Association | 198 Klondyke Rd Long Beach, MS 39560 | Full Service B&M | $18,144 |
| The First, A National Banking Association | 200 East Washington Street Monticello, FL 32344 | Full Service B&M | $143,230 |
| The First, A National Banking Association | 2000 Apalachee Parkway Tallahassee, FL 32301 | Full Service B&M | $39,012 |
| The First, A National Banking Association | 2000 Ninety-Eight Palms Blvd. Destin, FL 32541 | Full Service B&M | $164,559 |
| The First, A National Banking Association | 201 1st St Se Moultrie, GA 31768 | Full Service B&M | $257,288 |
| The First, A National Banking Association | 205 East 20th Avenue Gulf Shores, AL 36542 | Full Service B&M | $69,227 |
| The First, A National Banking Association | 205 East 8th Street Tifton, GA 31794 | Full Service B&M | $29,884 |
| The First, A National Banking Association | 211b East First Street Bay Minette, AL 36507 | Full Service B&M | $66,408 |
| The First, A National Banking Association | 2300 N Highway 190 Covington, LA 70433 | Full Service B&M | $17,158 |
| The First, A National Banking Association | 23405 Eden Street Plaquemine, LA 70764 | Full Service B&M | $98,783 |
| The First, A National Banking Association | 600 Columbia Street Bogalusa, LA 70427 | Full Service B&M | $37,408 |
| The First, A National Banking Association | 601 West Oak Street Amite, LA 70422 | Full Service B&M | $38,976 |
| The First, A National Banking Association | 6120 Louisiana Highway 74 Saint Gabriel, LA 70776 | Full Service B&M | $24,937 |
| The First, A National Banking Association | 6140 Airport Blvd Mobile, AL 36695 | Full Service B&M | $22,980 |
| The First, A National Banking Association | 6241 Cottage Hill Road Mobile, AL 36609 | Full Service B&M | $43,693 |
| The First, A National Banking Association | 631 Highway 589 Purvis, MS 39475 | Full Service B&M | $85,364 |
| The First, A National Banking Association | 6480 Us-98 West Hattiesburg, MS 39402 | Full Service B&M | $157,551 |
| The First, A National Banking Association | 650 Lemoyne Dauphin Island, AL 36528 | Full Service B&M | $32,203 |
| The First, A National Banking Association | 701 Harrison Ave Panama City, FL 32401 | Full Service B&M | $13,604 |
| The First, A National Banking Association | 720 Schillinger Road North Mobile, AL 36608 | Full Service B&M | $34,743 |
| The First, A National Banking Association | 740 Brownswitch Rd Slidell, LA 70458 | Full Service B&M | $7,648 |
| The First, A National Banking Association | 7451 Highway 1 South Addis, LA 70710 | Full Service B&M | $23,443 |
| The First, A National Banking Association | 1404 Baytree Road Valdosta, GA 31602 | Full Service B&M | $21,725 |
| The First, A National Banking Association | 1415 Highway 98 Daphne, AL 36526 | Full Service B&M | $37,834 |
| The First, A National Banking Association | 1506-B Highway 43 South Picayune, MS 39466 | Full Service B&M | $27,441 |
| The First, A National Banking Association | 1517 Bienville Boulevard, Space A-11 Ocean Springs, MS 39564 | Full Service B&M | $35,617 |
| The First, A National Banking Association | 15513 O'neal Rd Gulfport, MS 39503 | Full Service B&M | $71,555 |
| The First, A National Banking Association | 1554 West Nine Mile Road Pensacola, FL 32534 | Full Service B&M | $17,275 |
| The First, A National Banking Association | 16542 Us Highway 331 South Freeport, FL 32439 | Full Service B&M | $35,634 |
| The First, A National Banking Association | 1700 North Monroe Street Ste 10 Tallahassee, FL 32303 | Full Service Retail | $862 |
| The First, A National Banking Association | 17463 Old Jefferson Highway Prairieville, LA 70769 | Full Service B&M | $10,750 |
| The First, A National Banking Association | 18014 Hwy. 190 East Hammond, LA 70403 | Full Service B&M | $19,483 |
| The First, A National Banking Association | 1822 25th Avenue Gulfport, MS 39501 | Limited, Drive-thru | $1 |
| The First, A National Banking Association | 188 Louisiana Highway 70 Spur Plattenville, LA 70393 | Full Service B&M | $37,334 |
| The First, A National Banking Association | 25 Second Avenue, S.W. Moultrie, GA 31768 | Limited, Trust Office | $0 |
| The First, A National Banking Association | 25556 Canal Road Orange Beach, AL 36561 | Full Service B&M | $81,097 |
| The First, A National Banking Association | 2605 Pass Road Biloxi, MS 39531 | Full Service B&M | $34,658 |
| The First, A National Banking Association | 2626 Mahan Drive Tallahassee, FL 32317 | Full Service B&M | $86,787 |
| The First, A National Banking Association | 2702 Lincoln Road Hattiesburg, MS 39401 | Full Service B&M | $27,556 |
| The First, A National Banking Association | 2862 Dauphin Street Mobile, AL 36606 | Limited, Administrative | $0 |
| The First, A National Banking Association | 2871 Gulf Breeze Parkway Gulf Breeze, FL 32561 | Full Service B&M | $18,388 |
| The First, A National Banking Association | 2909 Highway 190 Mandeville, LA 70471 | Full Service B&M | $26,215 |
| The First, A National Banking Association | 300 North Main Street Sylvester, GA 31791 | Full Service B&M | $86,144 |
| The First, A National Banking Association | 30122 Hwy 17 South Millry, AL 36558 | Full Service B&M | $57,268 |
| The First, A National Banking Association | 302 Mary Esther Blvd Mary Esther, FL 32569 | Full Service B&M | $33,077 |
| The First, A National Banking Association | 32915 Bowie Street White Castle, LA 70788 | Full Service B&M | $15,811 |
| The First, A National Banking Association | 3320 Thomasville Road Tallahassee, FL 32308 | Full Service B&M | $94,348 |
| The First, A National Banking Association | 34 Court St Chatom, AL 36518 | Full Service B&M | $92,331 |
| The First, A National Banking Association | 3490 North Monroe Street Tallahassee, FL 32302 | Full Service B&M | $67,814 |
| The First, A National Banking Association | 3500 North Valdosta Road Valdosta, GA 31602 | Full Service B&M | $117,841 |
| The First, A National Banking Association | 3526 Louisiana Highway 70 Pierre Part, LA 70339 | Full Service B&M | $18,554 |
| The First, A National Banking Association | 3641 Coolidge Court Tallahassee, FL 32311 | Full Service B&M | $6,496 |
| The First, A National Banking Association | 40 North Palafox Street Pensacola, FL 32502 | Full Service B&M | $47,959 |
| The First, A National Banking Association | 408 Fairhope Avenue Fairhope, AL 36532 | Full Service B&M | $61,371 |
| The First, A National Banking Association | 4402 Kalani Drive Diamondhead, MS 39525 | Full Service B&M | $26,880 |
| The First, A National Banking Association | 490 Barringer Drive Ponchatoula, LA 70454 | Full Service B&M | $39,369 |
| The First, A National Banking Association | 4911 Highway 90 Pace, FL 32571 | Full Service B&M | $20,149 |
| The First, A National Banking Association | 573 Courthouse Road Gulfport, MS 39507 | Full Service B&M | $21,803 |
| The First, A National Banking Association | 750 John Sims Pkwy E Niceville, FL 32578 | Full Service B&M | $41,756 |
| The First, A National Banking Association | 780 Court Street Port Allen, LA 70767 | Full Service B&M | $41,962 |
| The First, A National Banking Association | 800 Highway 90 Bay Saint Louis, MS 39521 | Full Service B&M | $165,737 |
| The First, A National Banking Association | 801 Baptist Drive Madison, MS 39110 | Full Service B&M | $19,526 |
| The First, A National Banking Association | 8810 Bluebonnet Blvd Baton Rouge, LA 70810 | Full Service B&M | $12,542 |
| The First, A National Banking Association | 923 South Range Avenue Denham Springs, LA 70726 | Full Service B&M | $8,812 |
| The First, A National Banking Association | 9250 Siegen Lane Baton Rouge, LA 70810 | Full Service B&M | $7,578 |
| The First, A National Banking Association | 9461 Emerald Coast Pkwy W Miramar Beach, FL 32550 | Full Service B&M | $113,513 |
| The First, A National Banking Association | Highways 91 And 200 Newton, GA 39870 | Full Service B&M | $26,216 |
| The First, A National Banking Association | 10021 Hwy 31 Spanish Fort, AL 36527 | Full Service B&M | $26,388 |
For 2021, The First A National Banking Association had 83 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $176,737 |
| Net interest income | $164,431 |
| Total noninterest income | $36,707 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $17,672 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $19,035 |
| Pre-tax net operating income | $93,963 |
| Securities gains (or losses, -) | $143 |
| Income before extraordinary items | $73,896 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $73,896 |
| Minority interest net income | $0 |
| Net income | $73,896 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $73,783 |
The First A National Banking Association's gross interest income from loans was $176,737,000.
The First A National Banking Association's net interest income from loans was $164,431,000.
The First A National Banking Association's fee based income from loans was $17,672,000.
The First A National Banking Association's net income from loans was $73,896,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $12,306 |
| Provision for credit losses | $-1,455 |
| Total noninterest expense | $108,630 |
| Salaries and employee benefits | $62,129 |
| Premises and equipment expense | $15,560 |
| Additional noninterest expense | $30,941 |
| Applicable income taxes | $20,210 |
| Net charge-offs | $4,020 |
| Cash dividends | $0 |
The First A National Banking Association's interest expense for loans was $12,306,000.
The First A National Banking Association's payroll and benefits expense were $62,129,000.
The First A National Banking Association's property, plant and equipment expenses $15,560,000.
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 | $5,261,513 |
| Deposits held in domestic offices | $5,261,513 |
| Deposits by Individuals, partnerships, and corporations | $4,099,580 |
| Deposits by U.S. Government | $1 |
| Deposits by States and political subdivisions in the U.S. | $1,160,294 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,639 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,530,172 |
| Demand deposits | $922,801 |
| Nontransaction accounts | $3,731,342 |
| Money market deposit accounts (MMDAs) | $2,644,096 |
| Other savings deposits (excluding MMDAs) | $502,808 |
| Total time deposits | $584,439 |
| Total time and savings deposits | $4,338,713 |
| Noninterest-bearing deposits | $790,848 |
| Interest-bearing deposits | $4,470,665 |
| Retail deposits | $5,142,555 |
| IRAs and Keogh plan accounts | $76,027 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $6,066,913 |
| Cash & Balances due from depository institutions | $919,712 |
| Interest-bearing balances | $804,481 |
| Total securities | $1,751,834 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $2,936,489 |
| Loan and leases loss allowance | $30,742 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $132,158 |
| Other real estate owned | $2,565 |
| Goodwill and other intangibles | $186,171 |
| All other assets | $137,984 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $6,066,913 |
| Total Liabilities | $5,290,698 |
| Total deposits | $5,261,513 |
| Interest-bearing deposits | $4,470,665 |
| Deposits held in domestic offices | $5,261,513 |
| % insured (estimated) | $61 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $2,094 |
| Subordinated debt | $0 |
| All other liabilities | $27,091 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,936,489 |
| Loan and leases loss allowance | $30,742 |
| Total loans and leases (domestic) | $2,967,231 |
| All real estate loans | $2,530,462 |
| Real estate loans in domestic offices | $2,530,462 |
| Construction and development loans | $364,075 |
| Residential 1-4 family construction | $89,563 |
| Other construction, all land development and other land | $274,512 |
| Loans secured by nonfarm nonresidential properties | $1,242,529 |
| Nonfarm nonresidential secured by owner-occupied properties | $710,334 |
| Commercial real estate & other non-farm, non-residential | $532,195 |
| Multifamily residential real estate | $80,533 |
| 1-4 family residential loans | $756,680 |
| Farmland loans | $86,645 |
| Loans held in foreign offices | $0 |
| Farm loans | $11,477 |
| Commercial and industrial loans | $363,901 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $41,019 |
| Credit card loans | $1,486 |
| Related Plans | $3,550 |
| Consumer Auto Loans | $11,919 |
| Other loans to individuals | $24,064 |
| All other loans & leases | $22,306 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $2,985 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $10,434 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $5,220 |
| Non 1-4 family restructured loans & leases | $3,448 |
| Total loans and leases (foreign) | $0 |
The First A National Banking Association had $2,936,489,000 of loans outstanding in 2021. $2,530,462,000 of loans were in real estate loans. $364,075,000 of loans were in development loans. $80,533,000 of loans were in multifamily mortgage loans. $756,680,000 of loans were in 1-4 family mortgage loans. $11,477,000 of loans were in farm loans. $1,486,000 of loans were in credit card loans. $11,919,000 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 | 1,580 | $399,135 | $252,617 |
| Nonfarm, nonresidential loans - <$100k | 238 | $11,068 | $46,504 |
| Nonfarm, nonresidential loans - $100-250k | 534 | $68,563 | $128,395 |
| Nonfarm, nonresidential loans - $250k-1MM | 808 | $319,504 | $395,426 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,378 | $191,294 | $80,443 |
| Commercial & Industrial, US addressed loans - <$100k | 1,705 | $42,181 | $24,740 |
| Commercial & Industrial, US addressed loans - $100-250k | 360 | $41,440 | $115,111 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 313 | $107,673 | $344,003 |
| Farmland loans - <$1MM | 200 | $24,538 | $122,690 |
| Farmland loans - <$100k | 87 | $3,352 | $38,529 |
| Farmland loans - $100-250k | 70 | $8,444 | $120,629 |
| Farmland loans - $250k-1MM | 43 | $12,742 | $296,326 |
| Agriculture operations loans - <$1MM | 102 | $4,053 | $39,735 |
| Agriculture operations loans - <$100k | 93 | $2,658 | $28,581 |
| Agriculture operations loans - $100-250k | 5 | $494 | $98,800 |
| Agriculture operations loans - $250k-1MM | 4 | $901 | $225,250 |