West Town Bank & Trust Mortgage Rates, Fees & Info

North Riverside, IL

LEI: 5493009ZQ1VZ1HZCL108

Tax ID: 36-1950478

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

West Town Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. West Town Bank & Trust has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Baltimore, Morehead City, Washington, Virginia Beach, and Chicago among others. We have data for 78 markets. (Some data included below & more in-depth data is available with an active subscription.)

West Town Bank & Trust 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. West Town Bank & Trust 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.

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Originations

519

Origination Dollar Volume (All Markets)

$145,685,000

Employee count

Awards

West Town Bank & Trust 30 Year Conventional Loans bronze

Show all (2) 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
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	186	$49,610,000	$266,720	$6,515	2.94%
Morehead City, NC (FHA\|USDA\|VA)	54	$13,560,000	$251,111	$4,214	2.93%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	24	$10,230,000	$426,250	$9,110	2.90%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	20	$6,740,000	$337,000	$7,096	2.79%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	13	$3,955,000	$304,231	$6,171	3.32%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	12	$3,560,000	$296,667	$6,455	2.86%
NEW BERN, NC (FHA\|USDA\|VA)	15	$3,555,000	$237,000	$4,575	2.82%
Outside of Metro Areas	13	$3,245,000	$249,615	$5,354	2.80%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	7	$3,085,000	$440,714	$8,217	2.82%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	6	$2,980,000	$496,667	$7,296	2.82%
WILMINGTON, NC (FHA\|USDA\|VA)	14	$2,440,000	$174,286	$3,730	3.29%
Elizabeth City, NC (FHA\|USDA\|VA)	13	$2,165,000	$166,538	$5,012	2.85%
JACKSONVILLE, FL (FHA\|USDA\|VA)	8	$2,060,000	$257,500	$5,460	3.02%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	6	$1,950,000	$325,000	$7,606	2.71%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	7	$1,735,000	$247,857	$5,464	2.84%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	5	$1,585,000	$317,000	$5,848	2.90%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	6	$1,410,000	$235,000	$4,727	2.77%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	2	$1,380,000	$690,000	$14,683	2.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	6	$1,350,000	$225,000	$4,402	3.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	4	$1,250,000	$312,500	$4,208	3.31%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	2	$1,250,000	$625,000	$13,995	3.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	4	$1,240,000	$310,000	$4,933	2.47%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	5	$1,205,000	$241,000	$4,677	3.03%
RICHMOND, VA (FHA\|USDA\|VA)	4	$1,120,000	$280,000	$7,355	3.25%
LOUISVILLE, KY (FHA\|USDA\|VA)	4	$1,020,000	$255,000	$3,912	3.06%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	3	$1,015,000	$338,333	$14,704	2.96%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	3	$995,000	$331,667	$3,107	2.79%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	3	$925,000	$308,333	$3,133	2.50%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$885,000	$885,000	$4,893	2.88%
JACKSONVILLE, NC (FHA\|USDA\|VA)	4	$830,000	$207,500	$4,221	2.97%
SALISBURY, MD-DE (FHA\|USDA\|VA)	3	$825,000	$275,000	$5,208	3.17%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	3	$805,000	$268,333	$5,923	2.96%
MOBILE, AL (FHA\|USDA\|VA)	4	$760,000	$190,000	$4,072	2.72%
Traverse City, MI (FHA\|USDA\|VA)	2	$730,000	$365,000	$12,694	2.81%
SAVANNAH, GA (FHA\|USDA\|VA)	2	$700,000	$350,000	$13,228	2.63%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	2	$680,000	$340,000	$3,216	2.63%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	2	$660,000	$330,000	$10,437	2.81%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	2	$640,000	$320,000	$3,581	3.13%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	2	$570,000	$285,000	$12,850	2.94%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	3	$565,000	$188,333	$6,506	2.58%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$535,000	$535,000	$21,500	2.88%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$515,000	$515,000	$10,866	2.63%
Juneau, AK (FHA\|USDA\|VA)	1	$485,000	$485,000	$11,431	2.75%
Picayune, MS (FHA\|USDA\|VA)	1	$465,000	$465,000	$19,899	2.88%
GREEN BAY, WI (FHA\|USDA\|VA)	1	$415,000	$415,000	$15,829	2.75%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	3	$385,000	$128,333	$3,184	2.63%
NORWICH-NEW LONDON, CT (FHA\|USDA\|VA)	1	$385,000	$385,000	$5,918	3.25%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$365,000	$365,000	$5,250	3.38%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,049	3.38%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	1	$315,000	$315,000	$3,416	3.38%
St. Marys, GA (FHA\|USDA\|VA)	1	$315,000	$315,000	$2,244	3.12%
Kill Devil Hills, NC (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,405	2.63%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	1	$285,000	$285,000	$13,109	2.75%
Brainerd, MN (FHA\|USDA\|VA)	1	$285,000	$285,000	$2,436	2.88%
GOLDSBORO, NC (FHA\|USDA\|VA)	1	$275,000	$275,000	$8,078	2.63%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	1	$275,000	$275,000	$8,455	2.88%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	1	$255,000	$255,000	$4,568	2.75%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	1	$255,000	$255,000	$8,926	2.75%
ASHEVILLE, NC (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,922	3.00%
Cedar City, UT (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,526	2.50%
Cullowhee, NC (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,978	2.75%
Riverton, WY (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	3.37%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	1	$235,000	$235,000	$11,505	2.88%
BANGOR, ME (FHA\|USDA\|VA)	1	$235,000	$235,000	$1,318	2.63%
Warren, PA (FHA\|USDA\|VA)	1	$215,000	$215,000	$4,681	3.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,837	2.25%
Sanford, NC (FHA\|USDA\|VA)	1	$205,000	$205,000	$7,171	3.00%
Brenham, TX (FHA\|USDA\|VA)	1	$205,000	$205,000	$4,043	3.00%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,906	2.88%
DOVER, DE (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,834	3.38%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	1	$195,000	$195,000	$4,316	2.25%
HINESVILLE, GA (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,910	2.63%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,338	2.63%
Washington, NC (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,340	3.13%
YORK-HANOVER, PA (FHA\|USDA\|VA)	1	$155,000	$155,000	$5,224	2.38%
ROANOKE, VA (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,879	2.75%
North Wilkesboro, NC (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	1.75%
GREENVILLE, NC (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,621	2.13%

West Town Bank & Trust's top markets include Baltimore, Morehead City, Washington, Virginia Beach, and Chicago among others.

Their top states include:

Maryland (FHA|USDA|VA)

North Carolina (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Virginia (FHA|USDA|VA)

Massachusetts (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	341	$87,025,000	$255,205	$4,532	2.98%
VA	125	$44,895,000	$359,160	$9,326	2.72%
FHA	50	$13,240,000	$264,800	$8,953	2.94%
USDA	3	$525,000	$175,000	$5,681	2.83%

For 2021, West Town Bank & Trust's most frequently originated type of loan was Conventional, with 341 originations. Their 2nd most popular type was VA, with 125 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	304	$92,190,000	$303,257	$7,260	2.97%
Refi	145	$36,425,000	$251,207	$4,089	2.72%
Cash Out Refi	42	$10,310,000	$245,476	$5,302	3.05%
Home Improvement	28	$6,760,000	$241,429	$5,911	3.15%

For 2021, West Town Bank & Trust's most frequently cited loan purpose was Home Purchase, with 304 originations. The 2nd most popular reason was Refi, with 145 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	477	$136,265,000	$285,671	$6,328	2.94%
15 Year	29	$6,915,000	$238,448	$4,087	2.39%
20 Year	6	$1,210,000	$201,667	$3,906	2.85%
Other	4	$750,000	$187,500	$4,334	2.75%
3 Year	3	$545,000	$181,667	$0	4.35%

For 2021, West Town Bank & Trust's most frequently cited loan duration was 30 Year, with 477 originations. The 2nd most popular length was 15 Year, with 29 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	285	$73,585,000	$258,193
$<1k	128	$43,670,000	$341,172
$2k-3k	42	$12,650,000	$301,190
$3k-4k	23	$5,965,000	$259,348
$4k-5k	18	$6,080,000	$337,778
$5k+	2	$550,000	$275,000

West Town Bank & Trust's average total fees were $6,328, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 285 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	287	$86,205,000	$300,366
3-4%	139	$36,225,000	$260,612
<2.5%	86	$21,940,000	$255,116
4-5%	7	$1,315,000	$187,857

During 2021, West Town Bank & Trust's average interest rate for loans was 2.94%, while their most frequently originated rate bucket for loans was 2.5-3%, with 287 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	282	$79,450,000	$281,738	$6,333	2.92%
$100k-200k	143	$22,135,000	$154,790	$3,934	2.96%
$400k-600k	77	$37,055,000	$481,234	$9,251	2.79%
$100,000 or less	9	$765,000	$85,000	$2,701	3.17%
$600k-1MM	7	$5,075,000	$725,000	$9,532	3.00%
$1MM+	1	$1,205,000	$1,205,000	$7,349	3.38%

2021 saw West Town Bank & Trust place emphasis on $200k-400k loans with 282 originations, totaling $79,450,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	147	$36,645,000	$249,286	$6,421	2.92%
$50k or less	97	$18,135,000	$186,959	$4,846	2.89%
$100k-150k	91	$32,525,000	$357,418	$7,149	2.88%
$75k-100k	85	$24,295,000	$285,824	$6,733	2.96%
$150k-250k	59	$20,125,000	$341,102	$6,622	3.02%
$250k+	12	$5,400,000	$450,000	$5,040	3.26%

West Town Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 147 originations. The second most popular income band? $50k or less, with 97 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	75	$20,735,000	$276,467	$6,092	2.90%
20-30%	68	$19,310,000	$283,971	$5,479	2.93%
42%	33	$8,225,000	$249,242	$5,552	2.99%
44%	27	$8,305,000	$307,593	$7,258	2.93%
43%	27	$7,605,000	$281,667	$6,815	2.95%
<20%	26	$6,140,000	$236,154	$4,490	2.87%
41%	26	$8,260,000	$317,692	$5,973	3.04%
45%	26	$6,370,000	$245,000	$6,103	3.00%
39%	24	$6,450,000	$268,750	$6,442	2.81%
40%	24	$5,820,000	$242,500	$5,704	3.00%
49%	20	$5,550,000	$277,500	$5,263	2.97%
50-60%	19	$5,915,000	$311,316	$9,926	2.93%
38%	18	$5,600,000	$311,111	$7,085	2.88%
37%	17	$5,685,000	$334,412	$8,131	3.04%
46%	17	$4,475,000	$263,235	$5,770	2.86%
47%	14	$4,440,000	$317,143	$8,699	2.75%
36%	13	$3,445,000	$265,000	$6,538	2.88%
48%	12	$3,470,000	$289,167	$7,333	3.01%

West Town Bank & Trust lent most frequently to those with DTI ratios of 30-36%, with 75 originations. The next most common DTI ratio? 20-30%, with 68 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	323	$93,105,000	$288,251	$5,891	2.91%
Asian	113	$30,645,000	$271,195	$6,505	2.99%
Not provided	53	$14,125,000	$266,509	$6,476	2.73%
Black	25	$6,315,000	$252,600	$6,700	2.99%
American Indian	3	$1,195,000	$398,333	$12,663	2.88%
Not applicable	1	$155,000	$155,000	$0	4.35%
Chinese	1	$145,000	$145,000	$0	4.35%

Approval Rates

Total approvals of all applications
97.75%

West Town Bank & Trust 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
90.75%

West Town Bank & Trust has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	519	$145,685,000	$280,703

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	519	$145,685,000	$280,703

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	6	$1,340,000	$223,333	$3,184	2.83%
40-60%	33	$6,555,000	$198,636	$3,695	2.66%
60-80%	157	$39,135,000	$249,268	$4,387	3.02%
80-100%	262	$77,070,000	$294,160	$6,470	2.94%
Over 100%	37	$14,475,000	$391,216	$14,930	2.75%
Under 20%	1	$45,000	$45,000	$1,527	3.25%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
West Town Bank & Trust	7820 West 26th Street North Riverside, IL 60546	Full Service B&M	$343,568

For 2021, West Town Bank & Trust had 1 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$15,295
Net interest income	$12,723
Total noninterest income	$15,232
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$222
Trading account gains and fees	$0
Additional Noninterest Income	$15,010
Pre-tax net operating income	$3,917
Securities gains (or losses, -)	$0
Income before extraordinary items	$5,664
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$5,664
Minority interest net income	$-631
Net income	$6,295
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$5,664

West Town Bank & Trust's gross interest income from loans was $15,295,000.
West Town Bank & Trust's net interest income from loans was $12,723,000.
West Town Bank & Trust's fee based income from loans was $222,000.
West Town Bank & Trust's net income from loans was $6,295,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$2,572
Provision for credit losses	$1,947
Total noninterest expense	$22,091
Salaries and employee benefits	$14,484
Premises and equipment expense	$558
Additional noninterest expense	$7,049
Applicable income taxes	$-1,747
Net charge-offs	$1,544
Cash dividends	$0

West Town Bank & Trust's interest expense for loans was $2,572,000.
West Town Bank & Trust's payroll and benefits expense were $14,484,000.
West Town Bank & Trust's property, plant and equipment expenses $558,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	2.0%
Real Estate loans	4.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	6.0%
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	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$352,800
Deposits held in domestic offices	$352,800
Deposits by Individuals, partnerships, and corporations	$351,643
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$656
Deposits by Commercial banks and other depository institutions in U.S.	$501
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$131,377
Demand deposits	$118,957
Nontransaction accounts	$221,423
Money market deposit accounts (MMDAs)	$48,647
Other savings deposits (excluding MMDAs)	$12,554
Total time deposits	$160,221
Total time and savings deposits	$233,843
Noninterest-bearing deposits	$118,957
Interest-bearing deposits	$233,843
Retail deposits	$284,123
IRAs and Keogh plan accounts	$10,517
Brokered deposits	$40,519
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$411,380
Cash & Balances due from depository institutions	$84,970
Interest-bearing balances	$81,656
Total securities	$20,671
Federal funds sold & reverse repurchase	$0
Net loans and leases	$281,958
Loan and leases loss allowance	$5,547
Trading account assets	$0
Bank premises and fixed assets	$4,050
Other real estate owned	$0
Goodwill and other intangibles	$4,047
All other assets	$15,684

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$411,380
Total Liabilities	$363,923
Total deposits	$352,800
Interest-bearing deposits	$233,843
Deposits held in domestic offices	$352,800
% insured (estimated)	$71
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$5,000
Subordinated debt	$0
All other liabilities	$6,123

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$281,958
Loan and leases loss allowance	$5,547
Total loans and leases (domestic)	$287,505
All real estate loans	$137,855
Real estate loans in domestic offices	$137,855
Construction and development loans	$20,524
Residential 1-4 family construction	$0
Other construction, all land development and other land	$20,524
Loans secured by nonfarm nonresidential properties	$78,965
Nonfarm nonresidential secured by owner-occupied properties	$72,698
Commercial real estate & other non-farm, non-residential	$6,267
Multifamily residential real estate	$6,847
1-4 family residential loans	$30,712
Farmland loans	$807
Loans held in foreign offices	$0
Farm loans	$8,584
Commercial and industrial loans	$140,992
To non-U.S. addressees	$0
Loans to individuals	$74
Credit card loans	$0
Related Plans	$0
Consumer Auto Loans	$56
Other loans to individuals	$18
All other loans & leases	$0
Loans to foreign governments and official institutions	$0
Other loans	$0
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	$566
Non 1-4 family restructured loans & leases	$566
Total loans and leases (foreign)	$0

West Town Bank & Trust had $281,958,000 of loans outstanding in 2021. $137,855,000 of loans were in real estate loans. $20,524,000 of loans were in development loans. $6,847,000 of loans were in multifamily mortgage loans. $30,712,000 of loans were in 1-4 family mortgage loans. $8,584,000 of loans were in farm loans. $0 of loans were in credit card loans. $56,000 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	207	$42,822	$206,870
Nonfarm, nonresidential loans - <$100k	98	$1,385	$14,133
Nonfarm, nonresidential loans - $100-250k	44	$7,455	$169,432
Nonfarm, nonresidential loans - $250k-1MM	65	$33,982	$522,800
Commercial & Industrial, US addressed loans - <$1MM	846	$62,449	$73,817
Commercial & Industrial, US addressed loans - <$100k	687	$7,673	$11,169
Commercial & Industrial, US addressed loans - $100-250k	72	$12,172	$169,056
Commercial & Industrial, US addressed loans - $250k-1MM	87	$42,604	$489,701
Farmland loans - <$1MM	5	$807	$161,400
Farmland loans - <$100k	3	$190	$63,333
Farmland loans - $250k-1MM	2	$617	$308,500
Agriculture operations loans - <$1MM	6	$869	$144,833
Agriculture operations loans - <$100k	3	$100	$33,333
Agriculture operations loans - $100-250k	1	$137	$137,000
Agriculture operations loans - $250k-1MM	2	$632	$316,000