Carrollton Bank Mortgage Rates, Fees & Info

Carrollton, IL

LEI: 549300CP7747DCRW6U68

Tax ID: 37-0207180

5 stars - out of 5 stars, based on 61 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Carrollton Bank is a smaller bank specializing in Home Purchase and Refi loans. Carrollton Bank 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.) They have a low ratio of USDA loans. Their top markets include St. Louis, Springfield, Phoenix, Naples, and Cape Coral among others. Carrollton Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Carrollton Bank is typically a low fee lendor.


Originations

3,661

Origination Dollar Volume (All Markets)

$810,415,000

Employee count

292 Show all (13) awards

Relative Rate

Carrollton Bank's average 30 year fixed rate mortgage of loans were 2.97%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.18%.

Relative Fees

Carrollton Bank's average total fees for a 30 year fixed rate mortgage are $2,923.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
ST. LOUIS, MO-IL (FHA|USDA|VA) 3,175 $685,805,000 $216,002 $2,546 2.90%
SPRINGFIELD, IL (FHA|USDA|VA) 150 $32,120,000 $214,133 $1,843 2.93%
Outside of Metro Areas 139 $22,345,000 $160,755 $2,084 2.89%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 10 $7,690,000 $769,000 $4,862 3.03%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $5,685,000 $1,137,000 $5,602 3.23%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 10 $4,820,000 $482,000 $4,920 2.86%
KANSAS CITY, MO-KS (FHA|USDA|VA) 11 $3,605,000 $327,727 $2,268 2.90%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 9 $3,495,000 $388,333 $3,906 3.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $3,100,000 $387,500 $3,882 3.14%
BLOOMINGTON, IL (FHA|USDA|VA) 15 $2,995,000 $199,667 $2,812 2.86%
COLUMBIA, MO (FHA|USDA|VA) 6 $2,910,000 $485,000 $1,978 3.44%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 8 $2,760,000 $345,000 $4,201 2.97%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $2,540,000 $1,270,000 $1,023 3.19%
Kalispell, MT (FHA|USDA|VA) 1 $1,325,000 $1,325,000 $5,820 3.13%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,185,000 $395,000 $2,553 2.88%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 4 $1,050,000 $262,500 $2,435 3.19%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $995,000 $995,000 $4,400 3.38%
Lincoln, IL (FHA|USDA|VA) 10 $980,000 $98,000 $2,443 3.04%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $970,000 $485,000 $3,123 3.06%
Farmington, MO (FHA|USDA|VA) 3 $915,000 $305,000 $2,688 2.96%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $875,000 $875,000 $0 4.25%
Breckenridge, CO (FHA|USDA|VA) 2 $830,000 $415,000 $2,665 3.56%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $790,000 $395,000 $3,364 2.81%
CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $745,000 $248,333 $4,525 2.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $740,000 $370,000 $4,298 2.56%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $735,000 $735,000 $7,284 2.88%
WILMINGTON, NC (FHA|USDA|VA) 1 $605,000 $605,000 $3,253 3.13%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $565,000 $565,000 $5,556 3.50%
CLEVELAND, TN (FHA|USDA|VA) 2 $560,000 $280,000 $0 3.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $545,000 $545,000 $6,199 2.75%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $535,000 $535,000 $4,011 3.13%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $515,000 $515,000 $4,461 2.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $500,000 $250,000 $3,274 2.63%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $495,000 $495,000 $3,766 2.88%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $485,000 $485,000 $3,069 2.88%
Hannibal, MO (FHA|USDA|VA) 1 $475,000 $475,000 $4,407 2.75%
Branson, MO (FHA|USDA|VA) 3 $445,000 $148,333 $2,203 3.58%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $425,000 $425,000 $2,763 2.13%
Jacksonville, IL (FHA|USDA|VA) 5 $395,000 $79,000 $1,574 2.65%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $375,000 $375,000 $2,768 3.13%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $375,000 $375,000 $4,574 2.75%
MISSOULA, MT (FHA|USDA|VA) 1 $375,000 $375,000 $2,317 2.50%
Russellville, AR (FHA|USDA|VA) 1 $365,000 $365,000 $3,097 3.38%
Rolla, MO (FHA|USDA|VA) 2 $360,000 $180,000 $2,192 2.94%
Steamboat Springs, CO (FHA|USDA|VA) 1 $345,000 $345,000 $0 3.75%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $335,000 $335,000 $2,535 2.13%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $335,000 $335,000 $2,632 2.88%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $335,000 $335,000 $2,903 2.88%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $315,000 $315,000 $0 4.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $315,000 $315,000 $3,681 2.50%
PEORIA, IL (FHA|USDA|VA) 2 $310,000 $155,000 $3,103 2.38%
ASHEVILLE, NC (FHA|USDA|VA) 1 $305,000 $305,000 $3,358 2.38%
Milledgeville, GA (FHA|USDA|VA) 1 $305,000 $305,000 $2,309 2.50%
DECATUR, IL (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $295,000 $295,000 $3,669 2.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $285,000 $285,000 $6,947 2.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $275,000 $275,000 $3,247 2.88%
PANAMA CITY, FL (FHA|USDA|VA) 1 $275,000 $275,000 $6,231 2.63%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $275,000 $275,000 $3,917 4.75%
LOGAN, UT-ID (FHA|USDA|VA) 1 $265,000 $265,000 $2,143 2.50%
MERCED, CA (FHA|USDA|VA) 1 $265,000 $265,000 $2,746 2.88%
Altus, OK (FHA|USDA|VA) 1 $255,000 $255,000 $6,745 2.25%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,601 3.25%
OCALA, FL (FHA|USDA|VA) 2 $250,000 $125,000 $2,597 2.56%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $245,000 $245,000 $2,680 3.38%
Jefferson, GA (FHA|USDA|VA) 1 $245,000 $245,000 $2,611 3.13%
Centralia, IL (FHA|USDA|VA) 1 $235,000 $235,000 $2,179 3.63%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $2,492 2.25%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.38%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,295 3.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,543 3.13%
SUMTER, SC (FHA|USDA|VA) 1 $205,000 $205,000 $2,212 2.75%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,517 2.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $195,000 $195,000 $2,260 2.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,038 3.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,302 3.13%
COLUMBUS, IN (FHA|USDA|VA) 1 $165,000 $165,000 $5,510 2.88%
Mount Vernon, IL (FHA|USDA|VA) 1 $145,000 $145,000 $1,439 2.88%
Taylorville, IL (FHA|USDA|VA) 2 $130,000 $65,000 $1,583 2.56%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $130,000 $65,000 $1,921 3.63%
Hutchinson, KS (FHA|USDA|VA) 1 $125,000 $125,000 $1,935 3.88%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,242 3.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $125,000 $125,000 $1,960 2.88%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $125,000 $125,000 $2,541 2.88%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,232 2.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.88%
Mexico, MO (FHA|USDA|VA) 1 $95,000 $95,000 $2,421 2.88%
Macomb, IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,202 3.13%
ENID, OK (FHA|USDA|VA) 1 $65,000 $65,000 $3,778 2.25%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $65,000 $65,000 $2,484 3.13%
TOLEDO, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.88%

Carrollton Bank's top markets include St. Louis, Springfield, Phoenix, Naples, and Cape Coral among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 3,153 $706,355,000 $224,026 $2,035 2.98%
FHA 249 $32,855,000 $131,948 $4,937 2.36%
VA 219 $66,085,000 $301,758 $5,531 2.42%
USDA 40 $5,120,000 $128,000 $3,722 2.62%

For the 2021 period, Carrollton Bank's most frequently originated loan type of loans were Conventional, with 3,153 originations. Their 2nd most popular type is FHA, with 249 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,990 $441,960,000 $222,090 $3,261 2.97%
Refi 1,140 $255,230,000 $223,886 $1,654 2.80%
Cash Out Refi 482 $104,400,000 $216,598 $1,969 2.84%
Other 30 $6,720,000 $224,000 $2,023 2.83%
Home Improvement 19 $2,105,000 $110,789 $3,248 3.84%

For the 2021, Carrollton Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,990 originations. The 2nd most popular reason of loans were Refi, with 1,140 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,352 $539,300,000 $229,294 $2,923 2.97%
15 Year 596 $111,290,000 $186,728 $1,738 2.41%
5 Year 270 $62,320,000 $230,815 $12 3.41%
20 Year 128 $23,340,000 $182,344 $1,678 2.83%
10 Year 121 $19,235,000 $158,967 $1,265 1.74%
1 Year 84 $21,000,000 $250,000 $3,917 3.84%
Other 65 $27,275,000 $419,615 $1,543 3.17%
3 Year 45 $6,655,000 $147,889 $0 4.03%

For the 2021, Carrollton Bank's most frequently cited loan length of loans were 30 Year, with 2,352 originations. The 2nd most popular length of loans were 15 Year, with 596 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 2,822 $599,970,000 $212,605
$1k-2k 123 $47,385,000 $385,244
$2k-3k 53 $11,435,000 $215,755
$3k-4k 17 $6,505,000 $382,647
$5k+ 4 $3,570,000 $892,500

$2,923 of loans were Carrollton Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 2,822 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 1,295 $300,825,000 $232,297
<2.5% 1,085 $212,965,000 $196,281
3-4% 1,024 $263,730,000 $257,549
4-5% 248 $32,760,000 $132,097
5-6% 9 $135,000 $15,000

During 2021, Carrollton Bank's average interest rate of loans were 2.97%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,295 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 1,342 $195,430,000 $145,626 $2,312 2.92%
$200k-400k 1,140 $314,960,000 $276,281 $2,845 2.88%
$100,000 or less 820 $52,430,000 $63,939 $1,750 2.90%
$400k-600k 251 $122,755,000 $489,064 $3,410 2.83%
$600k-1MM 74 $55,180,000 $745,676 $4,321 3.17%
$1MM+ 34 $69,660,000 $2,048,824 $6,008 3.20%

2021 saw Carrollton Bank place emphasis on $100k-200k loans with 1,342 originations, totaling $195,430,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 751 $111,145,000 $147,996 $2,501 2.72%
$100k-150k 696 $162,560,000 $233,563 $2,514 2.83%
$50k or less 594 $63,930,000 $107,626 $2,399 2.76%
$75k-100k 524 $101,290,000 $193,302 $2,616 2.85%
$150k-250k 456 $136,380,000 $299,079 $2,679 2.88%
$250k+ 293 $123,665,000 $422,065 $2,906 3.01%

Carrollton Bank lent most frequently to those with incomes in the $50k-75k range, with 751 originations. The second most popular income band? $100k-150k, with 696 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 862 $178,620,000 $207,216 $2,323 2.75%
30-36% 627 $133,605,000 $213,086 $2,405 2.80%
<20% 417 $101,975,000 $244,544 $2,102 2.76%
38% 131 $24,065,000 $183,702 $2,727 2.77%
44% 129 $25,215,000 $195,465 $2,935 2.71%
40% 129 $25,465,000 $197,403 $2,751 2.83%
39% 111 $22,675,000 $204,279 $2,521 2.84%
43% 108 $21,230,000 $196,574 $2,567 2.73%
41% 106 $22,350,000 $210,849 $3,046 2.82%
36% 105 $22,155,000 $211,000 $2,887 2.87%
42% 101 $19,965,000 $197,673 $2,877 2.90%
37% 98 $19,860,000 $202,653 $2,370 2.78%
45% 62 $11,590,000 $186,935 $2,765 2.95%
46% 61 $12,195,000 $199,918 $3,368 2.75%
47% 61 $14,755,000 $241,885 $2,858 2.92%
49% 52 $13,490,000 $259,423 $2,737 2.86%
48% 43 $10,065,000 $234,070 $3,822 2.94%
50-60% 36 $10,780,000 $299,444 $5,300 2.81%
>60% 21 $6,155,000 $293,095 $4,171 3.37%

Carrollton Bank lent most frequently to those with DTI ratios of 20-30%, with 862 originations. The next most common DTI ratio? 30-36%, with 627 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,658 $566,470,000 $213,119 $2,372 2.82%
Not applicable 281 $95,955,000 $341,477 $0 3.92%
Not provided 281 $67,465,000 $240,089 $3,010 2.81%
Black 333 $54,105,000 $162,477 $3,561 2.81%
Asian 82 $18,860,000 $230,000 $2,220 2.81%
American Indian 15 $3,765,000 $251,000 $2,804 2.89%
Asian Indian 7 $2,875,000 $410,714 $2,918 2.64%
Japanese 2 $460,000 $230,000 $3,679 2.94%
Filipino 2 $460,000 $230,000 $1,906 3.06%

Approval Rates

Total approvals of all applications
94.57%

Carrollton Bank has an average approval rate.

Pick Rate

Approvals leading to origination
82.38%

Carrollton Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 3,661 $810,415,000 $221,364

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
3,661 $810,415,000 $221,364

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 178 $34,700,000 $194,944 $1,791 2.80%
40-60% 506 $109,390,000 $216,186 $1,833 2.77%
60-80% 1,415 $334,725,000 $236,555 $2,034 3.05%
80-100% 1,374 $306,010,000 $222,715 $3,189 2.97%
Over 100% 51 $14,305,000 $280,490 $10,749 2.45%
Under 20% 103 $2,665,000 $25,874 $281 1.21%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Carrollton Bank 1575 North Green Mount Road O Fallon, IL 62269 Full Service B&M $341,821
Carrollton Bank 1001 Craig Rd Saint Louis, MO 63146 Limited, Administrative $0
Carrollton Bank 1101 South State Street Jerseyville, IL 62052 Full Service B&M $207,293
Carrollton Bank 11710 Manchester Road Des Peres, MO 63131 Full Service B&M $393,151
Carrollton Bank 120 Homer Adams Parkway Alton, IL 62002 Full Service B&M $204,715
Carrollton Bank 136 Northport Drive Godfrey, IL 62035 Limited, Drive-thru $0
Carrollton Bank 1925 Richardson Road Arnold, MO 63010 Full Service B&M $105,030
Carrollton Bank 2135 West Wabash Avenue Springfield, IL 62705 Full Service B&M $324,969
Carrollton Bank 222 East Park Street, Suite 400 Edwardsville, IL 62025 Full Service B&M $78,797
Carrollton Bank 3050 West Clay Street Saint Charles, MO 63301 Full Service B&M $234,876
Carrollton Bank 315 West Public Square Carrollton, IL 62016 Full Service B&M $172,454
Carrollton Bank 5807 Murdoch Avenue Saint Louis, MO 63109 Full Service B&M $308,394
Carrollton Bank 7911 Forsyth Boulevard Clayton, MO 63105 Full Service B&M $350,163

For 2021, Carrollton Bank had 13 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $90,178
Net interest income $78,058
Total noninterest income $21,953
Gross Fiduciary activities income $107
Service charges on deposit accounts $595
Trading account gains and fees $0
Additional Noninterest Income $21,251
Pre-tax net operating income $33,468
Securities gains (or losses, -) $2
Income before extraordinary items $33,140
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $33,140
Minority interest net income $0
Net income $33,140
Sale, conversion, retirement of capital stock, net $0
Net operating income $33,138

Carrollton Bank's gross interest income from loans was $90,178,000.
Carrollton Bank's net interest income from loans was $78,058,000.
Carrollton Bank's fee based income from loans was $595,000.
Carrollton Bank's net income from loans was $33,140,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $12,120
Provision for credit losses $1,944
Total noninterest expense $64,599
Salaries and employee benefits $41,305
Premises and equipment expense $6,419
Additional noninterest expense $16,875
Applicable income taxes $330
Net charge-offs $191
Cash dividends $18,300

Carrollton Bank's interest expense for loans was $12,120,000.
Carrollton Bank's payroll and benefits expense were $41,305,000.
Carrollton Bank's property, plant and equipment expenses $6,419,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
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 $2,889,529
Deposits held in domestic offices $2,889,529
Deposits by Individuals, partnerships, and corporations $2,595,807
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $290,414
Deposits by Commercial banks and other depository institutions in U.S. $3,308
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,176,612
Demand deposits $630,428
Nontransaction accounts $1,712,917
Money market deposit accounts (MMDAs) $1,318,381
Other savings deposits (excluding MMDAs) $56,285
Total time deposits $338,251
Total time and savings deposits $2,259,101
Noninterest-bearing deposits $565,552
Interest-bearing deposits $2,323,977
Retail deposits $2,682,379
IRAs and Keogh plan accounts $25,137
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $3,095,714
Cash & Balances due from depository institutions $833,711
Interest-bearing balances $807,620
Total securities $253,640
Federal funds sold & reverse repurchase $11,031
Net loans and leases $1,941,982
Loan and leases loss allowance $34,470
Trading account assets $0
Bank premises and fixed assets $29,246
Other real estate owned $0
Goodwill and other intangibles $4,686
All other assets $21,418

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $3,095,714
Total Liabilities $2,895,621
Total deposits $2,889,529
Interest-bearing deposits $2,323,977
Deposits held in domestic offices $2,889,529
% insured (estimated) $52
Federal funds purchased and repurchase agreements $380
Trading liabilities $0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $5,712

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,941,982
Loan and leases loss allowance $34,470
Total loans and leases (domestic) $1,976,452
All real estate loans $1,265,017
Real estate loans in domestic offices $1,265,017
Construction and development loans $90,461
Residential 1-4 family construction $37,430
Other construction, all land development and other land $53,031
Loans secured by nonfarm nonresidential properties $677,722
Nonfarm nonresidential secured by owner-occupied properties $398,729
Commercial real estate & other non-farm, non-residential $278,993
Multifamily residential real estate $84,425
1-4 family residential loans $339,886
Farmland loans $72,523
Loans held in foreign offices $0
Farm loans $69,982
Commercial and industrial loans $628,977
To non-U.S. addressees $0
Loans to individuals $6,539
Credit card loans $0
Related Plans $0
Consumer Auto Loans $1,473
Other loans to individuals $5,066
All other loans & leases $5,956
Loans to foreign governments and official institutions $0
Other loans $127
Loans to depository institutions and acceptances of other banks $500
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $374
Non 1-4 family restructured loans & leases $314
Total loans and leases (foreign) $0

Carrollton Bank had $1,941,982,000 of loans outstanding in 2021. $1,265,017,000 of loans were in real estate loans. $90,461,000 of loans were in development loans. $84,425,000 of loans were in multifamily mortgage loans. $339,886,000 of loans were in 1-4 family mortgage loans. $69,982,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,473,000 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 894 $223,211 $249,677
Nonfarm, nonresidential loans - <$100k 207 $9,490 $45,845
Nonfarm, nonresidential loans - $100-250k 285 $38,092 $133,656
Nonfarm, nonresidential loans - $250k-1MM 402 $175,629 $436,888
Commercial & Industrial, US addressed loans - <$1MM 1,934 $230,918 $119,399
Commercial & Industrial, US addressed loans - <$100k 872 $27,293 $31,299
Commercial & Industrial, US addressed loans - $100-250k 485 $46,760 $96,412
Commercial & Industrial, US addressed loans - $250k-1MM 577 $156,865 $271,863
Farmland loans - <$1MM 422 $35,229 $83,481
Farmland loans - <$100k 133 $4,598 $34,571
Farmland loans - $100-250k 162 $12,518 $77,272
Farmland loans - $250k-1MM 127 $18,113 $142,622
Agriculture operations loans - <$1MM 404 $25,498 $63,114
Agriculture operations loans - <$100k 268 $5,989 $22,347
Agriculture operations loans - $100-250k 86 $9,181 $106,756
Agriculture operations loans - $250k-1MM 50 $10,328 $206,560