The First A National Banking Association Mortgage Rates, Fees & Info
Hattiesburg, MSLEI: 5493008OE5JXNTGWD962
Tax ID: 64-0878155
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Bank Data
Review & Overview
The First A National Banking Association is a smaller bank specializing in Refi and Home Purchase 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: Hattiesburg, New Orleans, Jackson, Daphne, and Gulfport among others. We have data for 54 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. They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.12% | 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
1,963Origination Dollar Volume (All Markets)
$536,905,000Employee count
751Top 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) | 223 | $61,925,000 | $277,691 | $0 | 3.29% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 170 | $61,380,000 | $361,059 | $0 | 3.72% |
| JACKSON, MS (FHA|USDA|VA) | 206 | $49,070,000 | $238,204 | $0 | 3.03% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 118 | $45,800,000 | $388,136 | $0 | 3.61% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 168 | $38,290,000 | $227,917 | $0 | 4.15% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 84 | $33,210,000 | $395,357 | $0 | 4.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 148 | $33,090,000 | $223,581 | $0 | 3.35% |
| BATON ROUGE, LA (FHA|USDA|VA) | 122 | $32,230,000 | $264,180 | $0 | 3.60% |
| MOBILE, AL (FHA|USDA|VA) | 157 | $29,055,000 | $185,064 | $0 | 3.71% |
| VALDOSTA, GA (FHA|USDA|VA) | 91 | $25,855,000 | $284,121 | $0 | 4.31% |
| HAMMOND, LA (FHA|USDA|VA) | 120 | $22,300,000 | $185,833 | $0 | 4.34% |
| Outside of Metro Areas | 42 | $19,390,000 | $461,667 | $0 | 4.20% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 57 | $17,645,000 | $309,561 | $0 | 3.54% |
| Moultrie, GA (FHA|USDA|VA) | 84 | $14,580,000 | $173,571 | $0 | 4.55% |
| Laurel, MS (FHA|USDA|VA) | 38 | $7,770,000 | $204,474 | $0 | 3.28% |
| Thomasville, GA (FHA|USDA|VA) | 46 | $7,170,000 | $155,870 | $0 | 4.46% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $6,505,000 | $6,505,000 | $0 | 4.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 18 | $4,810,000 | $267,222 | $0 | 4.31% |
| Tifton, GA (FHA|USDA|VA) | 6 | $4,760,000 | $793,333 | $0 | 4.31% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $4,740,000 | $1,185,000 | $0 | 3.43% |
| Starkville, MS (FHA|USDA|VA) | 2 | $2,280,000 | $1,140,000 | $0 | 3.85% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $1,845,000 | $1,845,000 | $0 | 3.50% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $0 | 3.46% |
| Picayune, MS (FHA|USDA|VA) | 7 | $1,265,000 | $180,714 | $0 | 3.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $1,215,000 | $1,215,000 | $0 | 4.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $0 | 3.56% |
| Oxford, MS (FHA|USDA|VA) | 6 | $760,000 | $126,667 | $0 | 3.36% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $0 | 3.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $0 | 3.55% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 3.95% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 3.75% |
| Columbus, MS (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 2.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 3.56% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 3.99% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 2.50% |
| ALBANY, GA (FHA|USDA|VA) | 6 | $340,000 | $56,667 | $0 | 6.11% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 3.95% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 3.25% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.75% |
| Opelousas, LA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 2.25% |
| Vicksburg, MS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 3.25% |
| Bogalusa, LA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 3.06% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 4.38% |
| Meridian, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.63% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 2.75% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.00% |
| McComb, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.00% |
| Atmore, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 2.75% |
| Corinth, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 2.88% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 2.63% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.50% |
| Clarksdale, MS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.50% |
| Greenville, MS (FHA|USDA|VA) | 1 | $5,000 | $5,000 | $0 | 7.75% |
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.
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Product Mix
For 2020, The First A National Banking Association's most frequently originated type of loan was Conventional, with 1,767 originations. Their 2nd most popular type was USDA, with 107 originations.
Loan Reason
For 2020, The First A National Banking Association's most frequently cited loan purpose was Refi, with 966 originations. The 2nd most popular reason was Home Purchase, with 793 originations.
Loan Duration/Length
For 2020, The First A National Banking Association's most frequently cited loan duration was 30 Year, with 987 originations. The 2nd most popular length was 15 Year, with 307 originations.
Origination Fees/Closing Costs
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 1,028 originations.
Interest Rates
During 2020, The First A National Banking Association's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 3-4%, with 639 originations.
Loan Sizing
2020 saw The First A National Banking Association place emphasis on $200k-400k loans with 667 originations, totaling $183,965,000 in origination value.
Applicant Income
The First A National Banking Association lent most frequently to those with incomes in the $100k-150k range, with 363 originations. The second most popular income band? $50k-75k, with 305 originations.
Applicant Debt to Income Ratio
The First A National Banking Association lent most frequently to those with DTI ratios of 20-30%, with 444 originations. The next most common DTI ratio? <20%, with 268 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.94%
The First A National Banking Association has an average approval rate.
Pick Rate
Approvals leading to origination78.30%
The First A National Banking Association has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,963 | $536,905,000 | $273,512 |
Occupancy Type Mix
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 | $1,047 |
| The First, A National Banking Association | 10021 Hwy 31 Spanish Fort, AL 36527 | Full Service B&M | $23,355 |
| The First, A National Banking Association | 1041 Veterans Blvd. Metairie, LA 70005 | Full Service B&M | $42,561 |
| The First, A National Banking Association | 1063 Industrial Parkway Saraland, AL 36571 | Full Service B&M | $46,784 |
| The First, A National Banking Association | 10861 Dauphin Island Parkway Theodore, AL 36582 | Full Service B&M | $33,309 |
| The First, A National Banking Association | 110 South 40th Avenue Hattiesburg, MS 39402 | Full Service B&M | $108,905 |
| The First, A National Banking Association | 1126 Jackson Ave, Suite 101 Pascagoula, MS 39567 | Full Service B&M | $196,668 |
| The First, A National Banking Association | 1177 College Boulevard Pensacola, FL 32504 | Full Service B&M | $25,891 |
| The First, A National Banking Association | 1207 North Mckenzie Street Foley, AL 36535 | Full Service B&M | $70,406 |
| The First, A National Banking Association | 124 Border Street Wiggins, MS 39577 | Full Service B&M | $53,707 |
| The First, A National Banking Association | 1300 25th Avenue Gulfport, MS 39501 | Full Service B&M | $176,157 |
| The First, A National Banking Association | 1300 West Morris Avenue Hammond, LA 70403 | Full Service B&M | $176,169 |
| The First, A National Banking Association | 1313 East Jackson Street Thomasville, GA 31792 | Full Service B&M | $68,789 |
| The First, A National Banking Association | 1400 East Park Avenue Tallahassee, FL 32301 | Full Service B&M | $87,000 |
| The First, A National Banking Association | 1404 Baytree Road Valdosta, GA 31602 | Full Service B&M | $17,381 |
| The First, A National Banking Association | 1415 Highway 98 Daphne, AL 36526 | Full Service B&M | $38,986 |
| The First, A National Banking Association | 1506-B Highway 43 South Picayune, MS 39466 | Full Service B&M | $31,585 |
| The First, A National Banking Association | 1517 Bienville Boulevard, Space A-11 Ocean Springs, MS 39564 | Full Service B&M | $18,719 |
| The First, A National Banking Association | 15513 O'neal Rd Gulfport, MS 39503 | Full Service B&M | $72,687 |
| The First, A National Banking Association | 1554 West Nine Mile Road Pensacola, FL 32534 | Full Service B&M | $13,619 |
| The First, A National Banking Association | 16542 Us Highway 331 South Freeport, FL 32439 | Full Service B&M | $34,379 |
| The First, A National Banking Association | 1700 North Monroe Street Ste 10 Tallahassee, FL 32303 | Full Service Retail | $875 |
| The First, A National Banking Association | 17463 Old Jefferson Highway Prairieville, LA 70769 | Full Service B&M | $8,287 |
| The First, A National Banking Association | 18014 Hwy. 190 East Hammond, LA 70403 | Full Service B&M | $18,486 |
| 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 | $31,242 |
| The First, A National Banking Association | 1945 Highway 15 North Laurel, MS 39441 | Full Service B&M | $198,396 |
| The First, A National Banking Association | 19495 North Third Street Citronelle, AL 36522 | Full Service B&M | $70,976 |
| The First, A National Banking Association | 198 Klondyke Rd Long Beach, MS 39560 | Full Service B&M | $15,984 |
| The First, A National Banking Association | 200 East Washington Street Monticello, FL 32344 | Full Service B&M | $121,691 |
| The First, A National Banking Association | 2000 Apalachee Parkway Tallahassee, FL 32301 | Full Service B&M | $45,863 |
| The First, A National Banking Association | 2000 Ninety-Eight Palms Blvd. Destin, FL 32541 | Full Service B&M | $144,308 |
| The First, A National Banking Association | 201 1st St Se Moultrie, GA 31768 | Full Service B&M | $253,830 |
| The First, A National Banking Association | 205 East 20th Avenue Gulf Shores, AL 36542 | Full Service B&M | $52,272 |
| The First, A National Banking Association | 205 East 8th Street Tifton, GA 31794 | Full Service B&M | $23,256 |
| The First, A National Banking Association | 211b East First Street Bay Minette, AL 36507 | Full Service B&M | $60,800 |
| The First, A National Banking Association | 2300 N Highway 190 Covington, LA 70433 | Full Service B&M | $16,152 |
| The First, A National Banking Association | 23405 Eden Street Plaquemine, LA 70764 | Full Service B&M | $90,182 |
| 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 | $56,079 |
| The First, A National Banking Association | 2605 Pass Road Biloxi, MS 39531 | Full Service B&M | $28,350 |
| The First, A National Banking Association | 2626 Mahan Drive Tallahassee, FL 32317 | Full Service B&M | $83,846 |
| The First, A National Banking Association | 2702 Lincoln Road Hattiesburg, MS 39401 | Full Service B&M | $24,383 |
| 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 | $13,528 |
| The First, A National Banking Association | 2909 Highway 190 Mandeville, LA 70471 | Full Service B&M | $19,289 |
| The First, A National Banking Association | 300 North Main Street Sylvester, GA 31791 | Full Service B&M | $77,299 |
| The First, A National Banking Association | 30122 Hwy 17 South Millry, AL 36558 | Full Service B&M | $45,633 |
| The First, A National Banking Association | 302 Mary Esther Blvd Mary Esther, FL 32569 | Full Service B&M | $43,026 |
| The First, A National Banking Association | 32915 Bowie Street White Castle, LA 70788 | Full Service B&M | $16,602 |
| The First, A National Banking Association | 3320 Thomasville Road Tallahassee, FL 32308 | Full Service B&M | $86,150 |
| The First, A National Banking Association | 34 Court St Chatom, AL 36518 | Full Service B&M | $79,569 |
| The First, A National Banking Association | 3490 North Monroe Street Tallahassee, FL 32302 | Full Service B&M | $57,712 |
| The First, A National Banking Association | 3500 North Valdosta Road Valdosta, GA 31602 | Full Service B&M | $117,368 |
| The First, A National Banking Association | 3526 Louisiana Highway 70 Pierre Part, LA 70339 | Full Service B&M | $17,681 |
| The First, A National Banking Association | 3641 Coolidge Court Tallahassee, FL 32311 | Full Service B&M | $5,343 |
| The First, A National Banking Association | 40 North Palafox Street Pensacola, FL 32502 | Full Service B&M | $37,460 |
| The First, A National Banking Association | 408 Fairhope Avenue Fairhope, AL 36532 | Full Service B&M | $51,052 |
| The First, A National Banking Association | 4402 Kalani Drive Diamondhead, MS 39525 | Full Service B&M | $19,902 |
| The First, A National Banking Association | 490 Barringer Drive Ponchatoula, LA 70454 | Full Service B&M | $36,276 |
| The First, A National Banking Association | 4911 Highway 90 Pace, FL 32571 | Full Service B&M | $16,161 |
| The First, A National Banking Association | 573 Courthouse Road Gulfport, MS 39507 | Full Service B&M | $18,997 |
| The First, A National Banking Association | 600 Columbia Street Bogalusa, LA 70427 | Full Service B&M | $33,838 |
| The First, A National Banking Association | 601 West Oak Street Amite, LA 70422 | Full Service B&M | $31,114 |
| The First, A National Banking Association | 6120 Louisiana Highway 74 Saint Gabriel, LA 70776 | Full Service B&M | $23,528 |
| The First, A National Banking Association | 6140 Airport Blvd Mobile, AL 36695 | Full Service B&M | $21,412 |
| The First, A National Banking Association | 6241 Cottage Hill Road Mobile, AL 36609 | Full Service B&M | $39,332 |
| The First, A National Banking Association | 631 Highway 589 Purvis, MS 39475 | Full Service B&M | $83,748 |
| The First, A National Banking Association | 6480 Us-98 West Hattiesburg, MS 39402 | Full Service B&M | $113,263 |
| The First, A National Banking Association | 650 Lemoyne Dauphin Island, AL 36528 | Full Service B&M | $24,972 |
| The First, A National Banking Association | 701 Harrison Ave Panama City, FL 32401 | Full Service B&M | $16,330 |
| The First, A National Banking Association | 720 Schillinger Road North Mobile, AL 36608 | Full Service B&M | $34,624 |
| The First, A National Banking Association | 740 Brownswitch Rd Slidell, LA 70458 | Full Service B&M | $7,115 |
| The First, A National Banking Association | 7451 Highway 1 South Addis, LA 70710 | Full Service B&M | $22,330 |
| The First, A National Banking Association | 750 John Sims Pkwy E Niceville, FL 32578 | Full Service B&M | $46,718 |
| The First, A National Banking Association | 780 Court Street Port Allen, LA 70767 | Full Service B&M | $38,159 |
| The First, A National Banking Association | 800 Highway 90 Bay Saint Louis, MS 39521 | Full Service B&M | $101,318 |
| The First, A National Banking Association | 801 Baptist Drive Madison, MS 39110 | Full Service B&M | $10,253 |
| The First, A National Banking Association | 8810 Bluebonnet Blvd Baton Rouge, LA 70810 | Full Service B&M | $9,416 |
| The First, A National Banking Association | 923 South Range Avenue Denham Springs, LA 70726 | Full Service B&M | $5,943 |
| The First, A National Banking Association | 9250 Siegen Lane Baton Rouge, LA 70810 | Full Service B&M | $8,624 |
| The First, A National Banking Association | 9461 Emerald Coast Pkwy W Miramar Beach, FL 32550 | Full Service B&M | $95,742 |
| The First, A National Banking Association | Highways 91 And 200 Newton, GA 39870 | Full Service B&M | $23,812 |
For 2020, The First A National Banking Association had 83 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $179,326 |
| Net interest income | $158,254 |
| Total noninterest income | $39,892 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $15,579 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $24,313 |
| Pre-tax net operating income | $72,844 |
| Securities gains (or losses, -) | $281 |
| Income before extraordinary items | $60,017 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $60,017 |
| Minority interest net income | $0 |
| Net income | $60,017 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $59,786 |
The First A National Banking Association's gross interest income from loans was $179,326,000.
The First A National Banking Association's net interest income from loans was $158,254,000.
The First A National Banking Association's fee based income from loans was $15,579,000.
The First A National Banking Association's net income from loans was $60,017,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $21,072 |
| Provision for credit losses | $25,151 |
| Total noninterest expense | $100,151 |
| Salaries and employee benefits | $58,374 |
| Premises and equipment expense | $13,831 |
| Additional noninterest expense | $27,946 |
| Applicable income taxes | $13,108 |
| Net charge-offs | $3,239 |
| Cash dividends | $18,526 |
The First A National Banking Association's interest expense for loans was $21,072,000.
The First A National Banking Association's payroll and benefits expense were $58,374,000.
The First A National Banking Association's property, plant and equipment expenses $13,831,000.
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 | 6.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $4,282,147 |
| Deposits held in domestic offices | $4,282,147 |
| Deposits by Individuals, partnerships, and corporations | $3,366,260 |
| Deposits by U.S. Government | $58 |
| Deposits by States and political subdivisions in the U.S. | $915,344 |
| Deposits by Commercial banks and other depository institutions in U.S. | $485 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,302,725 |
| Demand deposits | $725,695 |
| Nontransaction accounts | $2,979,422 |
| Money market deposit accounts (MMDAs) | $2,003,410 |
| Other savings deposits (excluding MMDAs) | $395,116 |
| Total time deposits | $580,896 |
| Total time and savings deposits | $3,556,452 |
| Noninterest-bearing deposits | $637,947 |
| Interest-bearing deposits | $3,644,200 |
| Retail deposits | $4,140,206 |
| IRAs and Keogh plan accounts | $74,215 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $5,145,139 |
| Cash & Balances due from depository institutions | $562,291 |
| Interest-bearing balances | $424,870 |
| Total securities | $1,022,181 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $3,109,290 |
| Loan and leases loss allowance | $35,820 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $122,885 |
| Other real estate owned | $5,802 |
| Goodwill and other intangibles | $187,700 |
| All other assets | $134,990 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $5,145,139 |
| Total Liabilities | $4,424,981 |
| Total deposits | $4,282,147 |
| Interest-bearing deposits | $3,644,200 |
| Deposits held in domestic offices | $4,282,147 |
| % insured (estimated) | $62 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $112,281 |
| Subordinated debt | $0 |
| All other liabilities | $30,553 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $3,109,290 |
| Loan and leases loss allowance | $35,820 |
| Total loans and leases (domestic) | $3,145,110 |
| All real estate loans | $2,524,631 |
| Real estate loans in domestic offices | $2,524,631 |
| Construction and development loans | $301,283 |
| Residential 1-4 family construction | $73,549 |
| Other construction, all land development and other land | $227,734 |
| Loans secured by nonfarm nonresidential properties | $1,214,602 |
| Nonfarm nonresidential secured by owner-occupied properties | $693,162 |
| Commercial real estate & other non-farm, non-residential | $521,440 |
| Multifamily residential real estate | $117,096 |
| 1-4 family residential loans | $798,089 |
| Farmland loans | $93,561 |
| Loans held in foreign offices | $0 |
| Farm loans | $11,329 |
| Commercial and industrial loans | $550,012 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $41,769 |
| Credit card loans | $2,239 |
| Related Plans | $3,598 |
| Consumer Auto Loans | $11,091 |
| Other loans to individuals | $24,841 |
| All other loans & leases | $18,912 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $810 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $6,646 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $6,201 |
| Non 1-4 family restructured loans & leases | $3,468 |
| Total loans and leases (foreign) | $0 |
The First A National Banking Association had $3,109,290,000 of loans outstanding in 2020. $2,524,631,000 of loans were in real estate loans. $301,283,000 of loans were in development loans. $117,096,000 of loans were in multifamily mortgage loans. $798,089,000 of loans were in 1-4 family mortgage loans. $11,329,000 of loans were in farm loans. $2,239,000 of loans were in credit card loans. $11,091,000 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 | 1,747 | $430,534 | $246,442 |
| Nonfarm, nonresidential loans - <$100k | 302 | $12,971 | $42,950 |
| Nonfarm, nonresidential loans - $100-250k | 594 | $76,354 | $128,542 |
| Nonfarm, nonresidential loans - $250k-1MM | 851 | $341,209 | $400,951 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,214 | $167,358 | $75,591 |
| Commercial & Industrial, US addressed loans - <$100k | 1,599 | $38,651 | $24,172 |
| Commercial & Industrial, US addressed loans - $100-250k | 340 | $37,823 | $111,244 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 275 | $90,884 | $330,487 |
| Farmland loans - <$1MM | 224 | $24,759 | $110,531 |
| Farmland loans - <$100k | 103 | $4,319 | $41,932 |
| Farmland loans - $100-250k | 83 | $9,958 | $119,976 |
| Farmland loans - $250k-1MM | 38 | $10,482 | $275,842 |
| Agriculture operations loans - <$1MM | 140 | $6,189 | $44,207 |
| Agriculture operations loans - <$100k | 123 | $3,179 | $25,846 |
| Agriculture operations loans - $100-250k | 11 | $1,467 | $133,364 |
| Agriculture operations loans - $250k-1MM | 6 | $1,543 | $257,167 |