Glens Falls National Bank And Trust Company Mortgage Rates, Fees & Info

Glens Falls, NY

LEI: 549300ERHDU3FCE3FA33

Tax ID: 14-0696635

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Glens Falls National Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Glens Falls National Bank And Trust Company 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 by origination volume include: Glens Falls, Albany, Plattsburgh, Malone, and Rutland among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Glens Falls National Bank And Trust Company 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. Glens Falls National Bank And Trust Company 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.

    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) 4.80% 11/21/24
    30 Year Conventional Purchase 6.45% 11/21/24
    30 Year Conventional Refi 6.71% 11/21/24
    30 Year Cash-out Refi 6.74% 11/21/24
    30 Year FHA Purchase 7.36% 11/21/24
    30 Year FHA Refi 7.36% 11/21/24
    30 Year VA Purchase 6.82% 11/21/24
    30 Year USDA Purchase 7.24% 11/21/24
    15 Year Conventional Purchase 5.86% 11/21/24
    15 Year Conventional Refi 6.10% 11/21/24
    15 Year Cash-out Refi 6.10% 11/21/24
    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.

    Glens Falls National Bank And Trust Company Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Glens Falls National Bank And Trust Company. 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

    859

    Origination Dollar Volume (All Markets)

    $170,585,000

    Employee count

    459

    Awards

    Glens Falls National Bank and Trust Company FHA Loans bronze
    Show all (1) 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
    GLENS FALLS, NY (FHA|USDA|VA) 544 $118,700,000 $218,199 $3,727 3.36%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 114 $20,550,000 $180,263 $3,811 3.43%
    Plattsburgh, NY (FHA|USDA|VA) 113 $16,875,000 $149,336 $3,827 3.43%
    Outside of Metro Areas 73 $12,305,000 $168,562 $3,874 3.32%
    Malone, NY (FHA|USDA|VA) 8 $1,180,000 $147,500 $3,833 3.31%
    Rutland, VT (FHA|USDA|VA) 2 $430,000 $215,000 $3,916 3.19%
    Gloversville, NY (FHA|USDA|VA) 2 $360,000 $180,000 $4,600 3.44%
    Bennington, VT (FHA|USDA|VA) 2 $160,000 $80,000 $3,142 3.31%
    Amsterdam, NY (FHA|USDA|VA) 1 $25,000 $25,000 $0 2.99%
    Glens Falls National Bank And Trust Company's top markets include Glens Falls, Albany, Plattsburgh, Malone, and Rutland among others.

    Their top states include:
  • New York (FHA|USDA|VA)
  • Vermont (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Glens Falls National Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    FIRST NEW YORK
    Similarity Rank: 56
    Bank of Richmondville
    Similarity Rank: 180
    HUDSON RIVER COMMUNITY
    Similarity Rank: 284
    Saratoga National Bank and Trust Company
    Similarity Rank: 348
    PARAGON HOME LOANS INC.
    Similarity Rank: 512
    SUNMARK FEDERAL CREDIT UNION
    Similarity Rank: 832
    CCFCU FUNDING, LLC
    Similarity Rank: 840
    Glens Falls National Bank and Trust Company
    Similarity Rank: 891
    TrustCo Bank
    Similarity Rank: 1275
    1ST PRIORITY MORTGAGE, INC.
    Similarity Rank: 1525

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 616 $148,550,000 $241,153 $3,725 3.43%
    HELOC 224 $19,040,000 $85,000 n/a 3.15%
    FHA 11 $1,985,000 $180,455 $5,925 4.02%
    VA 5 $645,000 $129,000 $3,071 4.30%
    USDA 3 $365,000 $121,667 $3,959 4.29%

    For 2020, Glens Falls National Bank And Trust Company's most frequently originated type of loan was Conventional, with 616 originations. Their 2nd most popular type was HELOC, with 224 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 369 $86,635,000 $234,783 $3,865 3.54%
    Refi 170 $39,260,000 $230,941 $3,400 3.14%
    Cash Out Refi 130 $30,180,000 $232,154 $4,277 3.26%
    Home Improvement 127 $7,845,000 $61,772 $326 3.36%
    Other 63 $6,665,000 $105,794 $0 3.27%

    For 2020, Glens Falls National Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 369 originations. The 2nd most popular reason was Refi, with 170 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 559 $102,545,000 $183,444 $3,894 3.38%
    15 Year 156 $30,880,000 $197,949 $3,349 3.09%
    20 Year 56 $12,500,000 $223,214 $3,610 3.78%
    30+ year 45 $12,435,000 $276,333 $5,037 3.61%
    10 Year 28 $7,780,000 $277,857 $2,210 3.49%
    Other 12 $4,380,000 $365,000 $4,398 3.73%
    5 Year 3 $65,000 $21,667 $0 3.49%

    For 2020, Glens Falls National Bank And Trust Company's most frequently cited loan duration was 30 Year, with 559 originations. The 2nd most popular length was 15 Year, with 156 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 314 $65,770,000 $209,459
    $1k-2k 185 $42,805,000 $231,378
    $2k-3k 71 $19,415,000 $273,451
    $3k-4k 20 $3,980,000 $199,000
    $5k+ 15 $5,145,000 $343,000
    $4k-5k 12 $3,420,000 $285,000

    Glens Falls National Bank And Trust Company's average total fees were $3,894, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 314 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 487 $111,665,000 $229,292
    2.5-3% 295 $47,855,000 $162,220
    4-5% 57 $8,495,000 $149,035
    <2.5% 8 $1,640,000 $205,000
    6-7% 6 $330,000 $55,000
    5-6% 5 $515,000 $103,000
    7-8% 1 $85,000 $85,000

    During 2020, Glens Falls National Bank And Trust Company's average interest rate for loans was 3.38%, while their most frequently originated rate bucket for loans was 3-4%, with 487 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 313 $45,875,000 $146,565 $3,335 3.39%
    $100,000 or less 248 $13,330,000 $53,750 $2,412 3.42%
    $200k-400k 231 $62,395,000 $270,108 $4,354 3.30%
    $400k-600k 44 $20,380,000 $463,182 $4,940 3.34%
    $600k-1MM 12 $8,970,000 $747,500 $5,286 3.34%
    $1MM+ 11 $19,635,000 $1,785,000 $8,505 3.52%

    2020 saw Glens Falls National Bank And Trust Company place emphasis on $100k-200k loans with 313 originations, totaling $45,875,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 195 $34,605,000 $177,462 $3,981 3.33%
    $50k-75k 167 $21,225,000 $127,096 $3,274 3.40%
    $75k-100k 142 $22,580,000 $159,014 $3,711 3.33%
    $150k-250k 125 $29,295,000 $234,360 $4,288 3.36%
    $50k or less 115 $11,205,000 $97,435 $2,880 3.50%
    $250k+ 87 $39,375,000 $452,586 $4,976 3.19%

    Glens Falls National Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 195 originations. The second most popular income band? $50k-75k, with 167 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 225 $46,485,000 $206,600 $3,747 3.27%
    30-36% 187 $30,295,000 $162,005 $3,653 3.36%
    <20% 101 $17,975,000 $177,970 $3,477 3.19%
    39% 58 $10,210,000 $176,034 $3,848 3.40%
    42% 51 $10,575,000 $207,353 $3,807 3.35%
    41% 44 $8,930,000 $202,955 $4,006 3.47%
    37% 41 $8,215,000 $200,366 $3,809 3.56%
    36% 33 $5,555,000 $168,333 $3,781 3.50%
    38% 30 $5,090,000 $169,667 $3,784 3.28%
    40% 28 $7,130,000 $254,643 $4,297 3.48%
    43% 12 $2,640,000 $220,000 $3,782 3.67%
    44% 10 $1,840,000 $184,000 $3,631 3.81%
    45% 8 $1,590,000 $198,750 $4,145 3.50%
    50-60% 4 $460,000 $115,000 $2,396 3.91%
    46% 3 $455,000 $151,667 $3,863 3.04%
    47% 2 $960,000 $480,000 $4,612 3.19%
    48% 2 $560,000 $280,000 $3,849 3.44%
    >60% 2 $270,000 $135,000 $3,421 3.68%
    49% 1 $445,000 $445,000 $4,715 3.25%

    Glens Falls National Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 225 originations. The next most common DTI ratio? 30-36%, with 187 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 787 $147,865,000 $187,884 $3,780 3.35%
    Not provided 45 $10,545,000 $234,333 $3,716 3.38%
    Not applicable 15 $10,425,000 $695,000 $0 4.26%
    Asian 7 $1,335,000 $190,714 $3,159 3.59%
    Other Asian 1 $125,000 $125,000 $2,320 3.63%
    Japanese 1 $115,000 $115,000 $0 2.99%
    Black 1 $95,000 $95,000 $3,148 3.38%
    American Indian 2 $80,000 $40,000 $0 3.49%

    Approval Rates

    Total approvals of all applications
    87.06%

    Glens Falls National Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.06%

    Glens Falls National Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 859 $170,585,000 $198,586

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 14 $10,330,000 $737,857
    Single Family (1-4 Units):Manufactured 13 $1,425,000 $109,615
    Single Family (1-4 Units):Site-Built 832 $158,830,000 $190,901

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 130 $15,070,000 $115,923 $2,792 3.31%
    40-60% 114 $21,700,000 $190,351 $3,464 3.19%
    60-80% 256 $66,270,000 $258,867 $4,099 3.34%
    80-100% 267 $63,855,000 $239,157 $3,839 3.53%
    Under 20% 92 $3,690,000 $40,109 $0 3.31%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Glens Falls National Bank and Trust Company 1002 State Route 9 Queensbury, NY 12804 Full Service B&M $0
    Glens Falls National Bank and Trust Company 110 George Street Fort Ann, NY 12827 Full Service B&M $17,197
    Glens Falls National Bank and Trust Company 1153 State Route 29 Greenwich, NY 12834 Full Service B&M $1,410
    Glens Falls National Bank and Trust Company 123 Montcalm Street Ticonderoga, NY 12883 Full Service B&M $57,465
    Glens Falls National Bank and Trust Company 132 Main Street Greenwich, NY 12834 Full Service B&M $47,415
    Glens Falls National Bank and Trust Company 14 Durkee Street Plattsburgh, NY 12901 Full Service B&M $79,248
    Glens Falls National Bank and Trust Company 15 Main Street Lake Luzerne, NY 12846 Full Service B&M $51,746
    Glens Falls National Bank and Trust Company 159 Broadway Fort Edward, NY 12828 Full Service B&M $34,802
    Glens Falls National Bank and Trust Company 20 Smithfield Boulevard Plattsburgh, NY 12901 Full Service B&M $93,413
    Glens Falls National Bank and Trust Company 212 Main Street Salem, NY 12865 Full Service B&M $37,821
    Glens Falls National Bank and Trust Company 221 Corinth Rd Queensbury, NY 12804 Full Service B&M $37,210
    Glens Falls National Bank and Trust Company 2252 State Route 9 Lake George, NY 12845 Full Service B&M $84,830
    Glens Falls National Bank and Trust Company 25 West Main Street Cambridge, NY 12816 Full Service B&M $57,916
    Glens Falls National Bank and Trust Company 250 Glen Street Glens Falls, NY 12801 Full Service B&M $698,574
    Glens Falls National Bank and Trust Company 3019 State Route 4 Hudson Falls, NY 12839 Full Service B&M $101,074
    Glens Falls National Bank and Trust Company 339 Aviation Road Queensbury, NY 12804 Full Service B&M $41,506
    Glens Falls National Bank and Trust Company 343 Broadway Fort Edward, NY 12828 Full Service B&M $28,232
    Glens Falls National Bank and Trust Company 3853 Main Street Warrensburg, NY 12885 Full Service B&M $75,244
    Glens Falls National Bank and Trust Company 4 Broad Street Plaza Glens Falls, NY 12801 Full Service B&M $75,742
    Glens Falls National Bank and Trust Company 402 Bay Road Queensbury, NY 12804 Full Service B&M $56,396
    Glens Falls National Bank and Trust Company 4307 Main Street Port Henry, NY 12974 Full Service B&M $34,197
    Glens Falls National Bank and Trust Company 5023 Us Avenue Plattsburgh, NY 12903 Full Service B&M $40,765
    Glens Falls National Bank and Trust Company 6353 State Route 9 Chestertown, NY 12817 Full Service B&M $71,640
    Glens Falls National Bank and Trust Company 696 Upper Glen Street Queensbury, NY 12804 Full Service B&M $216,181
    Glens Falls National Bank and Trust Company 73 Broad Street Schuylerville, NY 12871 Full Service B&M $68,118
    Glens Falls National Bank and Trust Company 8646 State Route 22 Granville, NY 12832 Full Service B&M $53,618
    Glens Falls National Bank and Trust Company 93 Main Street Argyle, NY 12809 Full Service B&M $56,047
    Glens Falls National Bank and Trust Company Route 9 Schroon Lake, NY 12870 Full Service B&M $71,184
    Glens Falls National Bank and Trust Company Route 9 South Glens Falls, NY 12803 Full Service B&M $107,287
    Glens Falls National Bank and Trust Company Wicker Street Ticonderoga, NY 12883 Full Service B&M $0

    For 2020, Glens Falls National Bank And Trust Company had 30 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $86,610
    Net interest income $77,844
    Total noninterest income $30,877
    Gross Fiduciary activities income $7,159
    Service charges on deposit accounts $2,034
    Trading account gains and fees $0
    Additional Noninterest Income $21,684
    Pre-tax net operating income $40,398
    Securities gains (or losses, -) $-35
    Income before extraordinary items $31,850
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $31,850
    Minority interest net income $0
    Net income $31,850
    Sale, conversion, retirement of capital stock, net $330
    Net operating income $31,877

    Glens Falls National Bank And Trust Company's gross interest income from loans was $86,610,000.
    Glens Falls National Bank And Trust Company's net interest income from loans was $77,844,000.
    Glens Falls National Bank And Trust Company's fee based income from loans was $2,034,000.
    Glens Falls National Bank And Trust Company's net income from loans was $31,850,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,766
    Provision for credit losses $6,557
    Total noninterest expense $61,766
    Salaries and employee benefits $38,089
    Premises and equipment expense $9,303
    Additional noninterest expense $14,374
    Applicable income taxes $8,513
    Net charge-offs $1,067
    Cash dividends $17,199

    Glens Falls National Bank And Trust Company's interest expense for loans was $8,766,000.
    Glens Falls National Bank And Trust Company's payroll and benefits expense were $38,089,000.
    Glens Falls National Bank And Trust Company's property, plant and equipment expenses $9,303,000.

    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 $2,512,589
    Deposits held in domestic offices $2,512,589
    Deposits by Individuals, partnerships, and corporations $2,052,635
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $454,489
    Deposits by Commercial banks and other depository institutions in U.S. $5,465
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $667,345
    Demand deposits $641,380
    Nontransaction accounts $1,845,244
    Money market deposit accounts (MMDAs) $1,452,508
    Other savings deposits (excluding MMDAs) $231,501
    Total time deposits $161,235
    Total time and savings deposits $1,871,209
    Noninterest-bearing deposits $540,818
    Interest-bearing deposits $1,971,771
    Retail deposits $2,433,735
    IRAs and Keogh plan accounts $48,314
    Brokered deposits $46,266
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,869,840
    Cash & Balances due from depository institutions $299,553
    Interest-bearing balances $276,244
    Total securities $478,744
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,963,765
    Loan and leases loss allowance $22,382
    Trading account assets $0
    Bank premises and fixed assets $35,308
    Other real estate owned $0
    Goodwill and other intangibles $22,178
    All other assets $70,292

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,869,840
    Total Liabilities $2,601,046
    Total deposits $2,512,589
    Interest-bearing deposits $1,971,771
    Deposits held in domestic offices $2,512,589
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $17,486
    Trading liabilities $0
    Other borrowed funds $41,835
    Subordinated debt $0
    All other liabilities $29,136

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,963,765
    Loan and leases loss allowance $22,382
    Total loans and leases (domestic) $1,986,147
    All real estate loans $1,096,824
    Real estate loans in domestic offices $1,096,824
    Construction and development loans $27,446
    Residential 1-4 family construction $9,847
    Other construction, all land development and other land $17,599
    Loans secured by nonfarm nonresidential properties $313,439
    Nonfarm nonresidential secured by owner-occupied properties $124,788
    Commercial real estate & other non-farm, non-residential $188,651
    Multifamily residential real estate $55,886
    1-4 family residential loans $700,018
    Farmland loans $35
    Loans held in foreign offices $0
    Farm loans $2
    Commercial and industrial loans $147,976
    To non-U.S. addressees $0
    Loans to individuals $709,557
    Credit card loans $0
    Related Plans $472
    Consumer Auto Loans $705,826
    Other loans to individuals $3,259
    All other loans & leases $31,788
    Loans to foreign governments and official institutions $0
    Other loans $8,467
    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 $104
    Non 1-4 family restructured loans & leases $104
    Total loans and leases (foreign) $0

    Glens Falls National Bank and Trust Company had $1,963,765,000 of loans outstanding in 2020. $1,096,824,000 of loans were in real estate loans. $27,446,000 of loans were in development loans. $55,886,000 of loans were in multifamily mortgage loans. $700,018,000 of loans were in 1-4 family mortgage loans. $2,000 of loans were in farm loans. $0 of loans were in credit card loans. $705,826,000 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 339 $85,985 $253,643
    Nonfarm, nonresidential loans - <$100k 54 $2,296 $42,519
    Nonfarm, nonresidential loans - $100-250k 111 $13,739 $123,775
    Nonfarm, nonresidential loans - $250k-1MM 174 $69,950 $402,011
    Commercial & Industrial, US addressed loans - <$1MM 2,854 $123,193 $43,165
    Commercial & Industrial, US addressed loans - <$100k 2,544 $61,272 $24,085
    Commercial & Industrial, US addressed loans - $100-250k 214 $25,576 $119,514
    Commercial & Industrial, US addressed loans - $250k-1MM 96 $36,345 $378,594
    Farmland loans - <$1MM 1 $35 $35,000
    Farmland loans - <$100k 1 $35 $35,000
    Agriculture operations loans - <$1MM 1 $2 $2,000
    Agriculture operations loans - <$100k 1 $2 $2,000