The First A National Banking Association Mortgage Rates, Fees & Info

Hattiesburg, MS

LEI: 5493008OE5JXNTGWD962

Tax ID: 64-0878155

Latest/2023 | 2022 Data | 2021 Data | 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 a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Hattiesburg, Gulfport, Daphne, Tallahassee, and Jackson among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)

The First A National Banking Association 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. 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) 6.12% 4/21/24
30 Year Conventional Purchase 6.68% 4/21/24
30 Year Conventional Refi 6.68% 4/21/24
30 Year Cash-out Refi 6.72% 4/21/24
30 Year FHA Purchase 7.16% 4/21/24
30 Year FHA Refi 6.27% 4/21/24
30 Year VA Purchase 6.15% 4/21/24
30 Year VA Refi 5.82% 4/21/24
30 Year USDA Purchase 6.49% 4/21/24
30 Year USDA Refi 6.63% 4/21/24
15 Year Conventional Purchase 6.48% 4/21/24
15 Year Conventional Refi 7.16% 4/21/24
15 Year Cash-out Refi 7.16% 4/21/24
15 Year FHA Refi 5.68% 4/21/24
15 Year VA Purchase 5.61% 4/21/24
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.

The First A National Banking Association Mortgage Calculator






Your Estimates

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

This is not an official calculator from The First A National Banking Association. 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

1,014

Origination Dollar Volume (All Markets)

$195,250,000

Employee count

591

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
HATTIESBURG, MS (FHA|USDA|VA) 159 $36,185,000 $227,579 $0 4.93%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 219 $32,575,000 $148,744 $0 4.98%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 80 $20,790,000 $259,875 $0 4.98%
TALLAHASSEE, FL (FHA|USDA|VA) 88 $20,740,000 $235,682 $0 5.24%
JACKSON, MS (FHA|USDA|VA) 100 $20,330,000 $203,300 $0 4.83%
MOBILE, AL (FHA|USDA|VA) 115 $17,985,000 $156,391 $0 5.27%
BATON ROUGE, LA (FHA|USDA|VA) 67 $11,145,000 $166,343 $0 5.59%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 39 $9,525,000 $244,231 $0 5.06%
Laurel, MS (FHA|USDA|VA) 39 $6,595,000 $169,103 $0 5.17%
Outside of Metro Areas 26 $3,690,000 $141,923 $0 5.29%
Thomasville, GA (FHA|USDA|VA) 30 $3,200,000 $106,667 $0 5.62%
Picayune, MS (FHA|USDA|VA) 22 $2,860,000 $130,000 $0 5.10%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $0 3.85%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,485,000 $297,000 $0 4.98%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $1,060,000 $530,000 $0 4.81%
Alexander City, AL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 5.00%
Vicksburg, MS (FHA|USDA|VA) 3 $765,000 $255,000 $0 4.54%
LAFAYETTE, LA (FHA|USDA|VA) 3 $605,000 $201,667 $0 4.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $530,000 $265,000 $0 4.70%
HAMMOND, LA (FHA|USDA|VA) 1 $425,000 $425,000 $0 6.00%
Lake City, FL (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.75%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.34%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.65%
Oxford, MS (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.13%
Atmore, AL (FHA|USDA|VA) 2 $180,000 $90,000 $0 5.38%
Starkville, MS (FHA|USDA|VA) 1 $175,000 $175,000 $0 10.00%
Troy, AL (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.63%
McComb, MS (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.36%
Moultrie, GA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.65%
The First A National Banking Association's top markets include Hattiesburg, Gulfport, Daphne, Tallahassee, and Jackson among others.

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

    We use machine learning to identify the top lenders compared against The First A National Banking Association based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Eglin Federal Credit Union
    Similarity Rank: 38
    HARVESTERS FEDERAL CREDIT UNION
    Similarity Rank: 159
    Gulf Winds Credit Union
    Similarity Rank: 343
    Pen Air Federal Credit Union
    Similarity Rank: 376
    MORTGAGE ONE OF THE SOUTH, INC.
    Similarity Rank: 436
    Centennial Lending Group LLC.
    Similarity Rank: 496
    Tyndall Federal Credit Union
    Similarity Rank: 1290
    FBT Mortgage, L.L.C.
    Similarity Rank: 2322
    ServisFirst Bank
    Similarity Rank: 2750
    SmartBank
    Similarity Rank: 2852

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 850 $168,560,000 $198,306 $0 5.19%
    USDA 104 $14,500,000 $139,423 $0 4.54%
    VA 52 $11,450,000 $220,192 $0 4.49%
    HELOC 5 $375,000 $75,000 n/a 7.23%
    FHA 3 $365,000 $121,667 $0 4.54%

    For 2018, The First A National Banking Association's most frequently originated type of loan was Conventional, with 850 originations. Their 2nd most popular type was USDA, with 104 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 666 $139,790,000 $209,895 $0 4.94%
    Refi 278 $45,930,000 $165,216 $0 5.46%
    Cash Out Refi 59 $8,285,000 $140,424 $0 4.95%
    Home Improvement 8 $910,000 $113,750 $0 6.59%
    Other 3 $335,000 $111,667 $0 5.38%

    For 2018, The First A National Banking Association's most frequently cited loan purpose was Home Purchase, with 666 originations. The 2nd most popular reason was Refi, with 278 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 525 $115,255,000 $219,533 $0 4.80%
    5 Year 183 $29,685,000 $162,213 $0 5.52%
    15 Year 108 $15,530,000 $143,796 $0 4.92%
    Other 75 $10,635,000 $141,800 $0 5.68%
    20 Year 41 $9,245,000 $225,488 $0 5.36%
    3 Year 27 $4,295,000 $159,074 $0 5.82%
    30+ year 22 $6,320,000 $287,273 $0 5.10%
    10 Year 19 $1,825,000 $96,053 $0 5.86%
    1 Year 14 $2,460,000 $175,714 $0 5.85%

    For 2018, The First A National Banking Association's most frequently cited loan duration was 30 Year, with 525 originations. The 2nd most popular length was 5 Year, with 183 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 468 $89,760,000 $191,795
    $1k-2k 88 $11,910,000 $135,341
    $2k-3k 58 $12,300,000 $212,069
    $3k-4k 24 $7,450,000 $310,417
    $5k+ 11 $8,615,000 $783,182
    $4k-5k 10 $6,310,000 $631,000

    The First A National Banking Association's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 468 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 539 $117,955,000 $218,840
    5-6% 376 $61,750,000 $164,229
    3-4% 40 $10,630,000 $265,750
    6-7% 39 $3,255,000 $83,462
    7-8% 10 $930,000 $93,000
    Over 8% 9 $485,000 $53,889
    2.5-3% 1 $245,000 $245,000

    During 2018, The First A National Banking Association's average interest rate for loans was 4.80%, while their most frequently originated rate bucket for loans was 4-5%, with 539 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 385 $55,885,000 $145,156 $0 4.94%
    $100,000 or less 307 $18,395,000 $59,919 $0 5.51%
    $200k-400k 246 $67,240,000 $273,333 $0 4.93%
    $400k-600k 43 $20,225,000 $470,349 $0 4.79%
    $600k-1MM 21 $15,615,000 $743,571 $0 4.92%
    $1MM+ 12 $17,890,000 $1,490,833 $0 4.62%

    2018 saw The First A National Banking Association place emphasis on $100k-200k loans with 385 originations, totaling $55,885,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 202 $29,500,000 $146,040 $0 4.93%
    $50k or less 169 $18,625,000 $110,207 $0 5.04%
    $100k-150k 152 $30,610,000 $201,382 $0 5.03%
    $75k-100k 128 $21,640,000 $169,063 $0 5.06%
    $150k-250k 95 $22,805,000 $240,053 $0 5.20%
    $250k+ 92 $38,530,000 $418,804 $0 4.88%

    The First A National Banking Association lent most frequently to those with incomes in the $50k-75k range, with 202 originations. The second most popular income band? $50k or less, with 169 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 187 $39,925,000 $213,503 $0 4.93%
    30-36% 154 $29,200,000 $189,610 $0 4.91%
    <20% 120 $26,030,000 $216,917 $0 5.15%
    39% 32 $4,780,000 $149,375 $0 4.71%
    37% 32 $5,120,000 $160,000 $0 4.93%
    36% 27 $5,635,000 $208,704 $0 5.21%
    42% 26 $5,850,000 $225,000 $0 4.91%
    40% 26 $4,290,000 $165,000 $0 5.04%
    38% 25 $4,265,000 $170,600 $0 4.95%
    46% 22 $3,990,000 $181,364 $0 5.04%
    43% 22 $4,040,000 $183,636 $0 4.78%
    44% 21 $4,285,000 $204,048 $0 4.85%
    41% 16 $2,540,000 $158,750 $0 4.81%
    45% 15 $2,135,000 $142,333 $0 4.86%
    49% 15 $2,475,000 $165,000 $0 4.83%
    48% 14 $2,480,000 $177,143 $0 4.84%
    50-60% 13 $2,325,000 $178,846 $0 5.21%
    47% 12 $2,520,000 $210,000 $0 5.19%
    >60% 12 $1,400,000 $116,667 $0 6.16%

    The First A National Banking Association lent most frequently to those with DTI ratios of 20-30%, with 187 originations. The next most common DTI ratio? 30-36%, with 154 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 727 $144,335,000 $198,535 $0 5.01%
    Not applicable 171 $33,045,000 $193,246 $0 5.50%
    Black 64 $10,190,000 $159,219 $0 5.23%
    Asian 31 $4,555,000 $146,935 $0 4.81%
    Not provided 16 $2,600,000 $162,500 $0 5.10%
    American Indian 3 $375,000 $125,000 $0 4.50%
    Native Hawaiian or Islander 2 $150,000 $75,000 $0 4.50%

    Approval Rates

    Total approvals of all applications
    89.54%

    The First A National Banking Association has an average approval rate.

    Pick Rate

    Approvals leading to origination
    74.56%

    The First A National Banking Association has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,014 $195,250,000 $192,554

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 13 $10,285,000 $791,154
    Single Family (1-4 Units):Manufactured 27 $2,465,000 $91,296
    Single Family (1-4 Units):Site-Built 974 $182,500,000 $187,372

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 64 $8,100,000 $126,563 $0 5.09%
    40-60% 111 $16,625,000 $149,775 $0 5.32%
    60-80% 313 $60,195,000 $192,316 $0 5.19%
    80-100% 444 $100,000,000 $225,225 $0 4.92%
    Over 100% 51 $8,515,000 $166,961 $0 5.09%
    Under 20% 29 $1,515,000 $52,241 $0 5.99%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The First, A National Banking Association 10021 Hwy 31 Spanish Fort, AL 36527 Full Service B&M $21,999
    The First, A National Banking Association 1063 Industrial Parkway Saraland, AL 36571 Full Service B&M $41,027
    The First, A National Banking Association 10861 Dauphin Island Parkway Theodore, AL 36582 Full Service B&M $23,988
    The First, A National Banking Association 110 South 40th Avenue Hattiesburg, MS 39402 Full Service B&M $40,974
    The First, A National Banking Association 1126 Jackson Ave, Suite 101 Pascagoula, MS 39567 Full Service B&M $103,558
    The First, A National Banking Association 1177 College Boulevard Pensacola, FL 32504 Full Service B&M $27,595
    The First, A National Banking Association 1207 North Mckenzie Street Foley, AL 36535 Full Service B&M $54,913
    The First, A National Banking Association 124 Border Street Wiggins, MS 39577 Full Service B&M $40,796
    The First, A National Banking Association 1300 25th Avenue Gulfport, MS 39501 Full Service B&M $114,557
    The First, A National Banking Association 1400 East Park Avenue Tallahassee, FL 32301 Full Service B&M $102,890
    The First, A National Banking Association 1415 Highway 98 Daphne, AL 36526 Full Service B&M $31,983
    The First, A National Banking Association 1506-B Highway 43 South Picayune, MS 39466 Full Service B&M $25,851
    The First, A National Banking Association 1517 Bienville Boulevard, Space A-11 Ocean Springs, MS 39564 Full Service B&M $8,328
    The First, A National Banking Association 15513 O'neal Rd Gulfport, MS 39503 Full Service B&M $64,514
    The First, A National Banking Association 1554 West Nine Mile Road Pensacola, FL 32534 Full Service B&M $13,148
    The First, A National Banking Association 1700 North Monroe Street Ste 10 Tallahassee, FL 32303 Full Service Retail $4,441
    The First, A National Banking Association 17463 Old Jefferson Highway Prairieville, LA 70769 Full Service B&M $7,116
    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 $29,309
    The First, A National Banking Association 1945 Highway 15 North Laurel, MS 39441 Full Service B&M $123,137
    The First, A National Banking Association 19495 North Third Street Citronelle, AL 36522 Full Service B&M $62,844
    The First, A National Banking Association 198 Klondyke Rd Long Beach, MS 39560 Full Service B&M $29,842
    The First, A National Banking Association 205 East 20th Avenue Gulf Shores, AL 36542 Full Service B&M $40,150
    The First, A National Banking Association 211b East First Street Bay Minette, AL 36507 Full Service B&M $38,559
    The First, A National Banking Association 23405 Eden Street Plaquemine, LA 70764 Full Service B&M $86,198
    The First, A National Banking Association 25556 Canal Road Orange Beach, AL 36561 Full Service B&M $36,538
    The First, A National Banking Association 2605 Pass Road Biloxi, MS 39531 Full Service B&M $22,458
    The First, A National Banking Association 2702 Lincoln Road Hattiesburg, MS 39401 Full Service B&M $40,195
    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 $9,593
    The First, A National Banking Association 30122 Hwy 17 South Millry, AL 36558 Full Service B&M $40,441
    The First, A National Banking Association 3266 Mahan Drive Tallahassee, FL 32308 Full Service B&M $19,983
    The First, A National Banking Association 32915 Bowie Street White Castle, LA 70788 Full Service B&M $14,565
    The First, A National Banking Association 34 Court St Chatom, AL 36518 Full Service B&M $82,292
    The First, A National Banking Association 3526 Louisiana Highway 70 Pierre Part, LA 70339 Full Service B&M $16,124
    The First, A National Banking Association 3534 Thomasville Road, Suite A Tallahassee, FL 32309 Full Service B&M $14,645
    The First, A National Banking Association 3641 Coolidge Court Tallahassee, FL 32311 Full Service B&M $4,901
    The First, A National Banking Association 40 North Palafox Street Pensacola, FL 32502 Full Service B&M $29,456
    The First, A National Banking Association 408 Fairhope Avenue Fairhope, AL 36532 Full Service B&M $52,829
    The First, A National Banking Association 4402 Kalani Drive Diamondhead, MS 39525 Full Service B&M $19,857
    The First, A National Banking Association 4911 Highway 90 Pace, FL 32571 Full Service B&M $16,883
    The First, A National Banking Association 573 Courthouse Road Gulfport, MS 39507 Full Service B&M $18,549
    The First, A National Banking Association 600 Columbia Street Bogalusa, LA 70427 Full Service B&M $30,708
    The First, A National Banking Association 6120 Louisiana Highway 74 Saint Gabriel, LA 70776 Full Service B&M $23,952
    The First, A National Banking Association 6140 Airport Blvd Mobile, AL 36695 Full Service B&M $16,480
    The First, A National Banking Association 6241 Cottage Hill Road Mobile, AL 36609 Full Service B&M $31,573
    The First, A National Banking Association 631 Highway 589 Purvis, MS 39475 Full Service B&M $75,057
    The First, A National Banking Association 6480 Us-98 West Hattiesburg, MS 39402 Full Service B&M $135,903
    The First, A National Banking Association 650 Lemoyne Dauphin Island, AL 36528 Full Service B&M $19,199
    The First, A National Banking Association 720 Schillinger Road North Mobile, AL 36608 Full Service B&M $38,167
    The First, A National Banking Association 740 Brownswitch Rd Slidell, LA 70458 Full Service B&M $571
    The First, A National Banking Association 7451 Highway 1 South Addis, LA 70710 Full Service B&M $18,698
    The First, A National Banking Association 780 Court Street Port Allen, LA 70767 Full Service B&M $33,185
    The First, A National Banking Association 800 Highway 90 Bay St. Louis, MS 39521 Full Service B&M $91,812
    The First, A National Banking Association 8810 Bluebonnet Blvd Baton Rouge, LA 70810 Full Service B&M $8,702
    The First, A National Banking Association 923 South Range Avenue Denham Springs, LA 70726 Full Service B&M $4,043
    The First, A National Banking Association 9250 Siegen Lane Baton Rouge, LA 70810 Full Service B&M $10,720
    The First, A National Banking Association 953 Hwy 51, Suite D Madison, MS 39110 Full Service B&M $5,808

    For 2018, The First A National Banking Association had 58 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $99,965
    Net interest income $88,328
    Total noninterest income $17,810
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $10,267
    Trading account gains and fees $0
    Additional Noninterest Income $7,543
    Pre-tax net operating income $33,849
    Securities gains (or losses, -) $334
    Income before extraordinary items $26,895
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $26,895
    Minority interest net income $0
    Net income $26,895
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $26,631

    The First A National Banking Association's gross interest income from loans was $99,965,000.
    The First A National Banking Association's net interest income from loans was $88,328,000.
    The First A National Banking Association's fee based income from loans was $10,267,000.
    The First A National Banking Association's net income from loans was $26,895,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,637
    Provision for credit losses $2,120
    Total noninterest expense $70,169
    Salaries and employee benefits $35,399
    Premises and equipment expense $8,125
    Additional noninterest expense $26,645
    Applicable income taxes $7,288
    Net charge-offs $162
    Cash dividends $13,889

    The First A National Banking Association's interest expense for loans was $11,637,000.
    The First A National Banking Association's payroll and benefits expense were $35,399,000.
    The First A National Banking Association's property, plant and equipment expenses $8,125,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    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 18.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,461,439
    Deposits held in domestic offices $2,461,439
    Deposits by Individuals, partnerships, and corporations $1,933,807
    Deposits by U.S. Government $122
    Deposits by States and political subdivisions in the U.S. $520,506
    Deposits by Commercial banks and other depository institutions in U.S. $7,003
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,099,206
    Demand deposits $615,905
    Nontransaction accounts $1,362,232
    Money market deposit accounts (MMDAs) $622,907
    Other savings deposits (excluding MMDAs) $253,724
    Total time deposits $485,600
    Total time and savings deposits $1,845,533
    Noninterest-bearing deposits $574,128
    Interest-bearing deposits $1,887,311
    Retail deposits $2,359,786
    IRAs and Keogh plan accounts $61,238
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,997,331
    Cash & Balances due from depository institutions $159,933
    Interest-bearing balances $87,751
    Total securities $498,700
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,055,195
    Loan and leases loss allowance $10,065
    Trading account assets $0
    Bank premises and fixed assets $74,783
    Other real estate owned $10,869
    Goodwill and other intangibles $112,916
    All other assets $84,935

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,997,331
    Total Liabilities $2,562,980
    Total deposits $2,461,439
    Interest-bearing deposits $1,887,311
    Deposits held in domestic offices $2,461,439
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $85,500
    Subordinated debt $0
    All other liabilities $16,041

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,055,195
    Loan and leases loss allowance $10,065
    Total loans and leases (domestic) $2,065,260
    All real estate loans $1,698,240
    Real estate loans in domestic offices $1,698,240
    Construction and development loans $298,718
    Residential 1-4 family construction $67,995
    Other construction, all land development and other land $230,723
    Loans secured by nonfarm nonresidential properties $776,880
    Nonfarm nonresidential secured by owner-occupied properties $423,683
    Commercial real estate & other non-farm, non-residential $353,197
    Multifamily residential real estate $54,052
    1-4 family residential loans $530,103
    Farmland loans $38,487
    Loans held in foreign offices $0
    Farm loans $2,637
    Commercial and industrial loans $298,545
    To non-U.S. addressees $0
    Loans to individuals $45,700
    Credit card loans $0
    Related Plans $3,615
    Consumer Auto Loans $16,243
    Other loans to individuals $25,842
    All other loans & leases $20,751
    Loans to foreign governments and official institutions $0
    Other loans $919
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $5,718
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,307
    Non 1-4 family restructured loans & leases $4,536
    Total loans and leases (foreign) $0

    The First A National Banking Association had $2,055,195,000 of loans outstanding in 2018. $1,698,240,000 of loans were in real estate loans. $298,718,000 of loans were in development loans. $54,052,000 of loans were in multifamily mortgage loans. $530,103,000 of loans were in 1-4 family mortgage loans. $2,637,000 of loans were in farm loans. $0 of loans were in credit card loans. $16,243,000 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 1,158 $274,654 $237,180
    Nonfarm, nonresidential loans - <$100k 201 $9,315 $46,343
    Nonfarm, nonresidential loans - $100-250k 400 $49,372 $123,430
    Nonfarm, nonresidential loans - $250k-1MM 557 $215,967 $387,732
    Commercial & Industrial, US addressed loans - <$1MM 1,635 $118,024 $72,186
    Commercial & Industrial, US addressed loans - <$100k 1,160 $23,921 $20,622
    Commercial & Industrial, US addressed loans - $100-250k 254 $25,181 $99,138
    Commercial & Industrial, US addressed loans - $250k-1MM 221 $68,922 $311,864
    Farmland loans - <$1MM 107 $10,298 $96,243
    Farmland loans - <$100k 53 $1,916 $36,151
    Farmland loans - $100-250k 35 $3,787 $108,200
    Farmland loans - $250k-1MM 19 $4,595 $241,842
    Agriculture operations loans - <$1MM 34 $1,770 $52,059
    Agriculture operations loans - <$100k 27 $703 $26,037
    Agriculture operations loans - $100-250k 5 $452 $90,400
    Agriculture operations loans - $250k-1MM 2 $615 $307,500