Bank Of England Mortgage Rates, Fees & Info

England, AR

LEI: 549300GY4NTTEM7WWB64

Tax ID: 71-0009800

2020 Data | 2019 Data | 2018 Data


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Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Product Mix
  • Loan Reason
  • Top Markets
  • Typical Rates
  • Loan Sizes
  • Lien Type
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees
  • Dwelling Types

    • Bank Data *NEW*

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

    • Overview

    Bank Of England is a mid-sized bank specializing in Home Purchase and Refi loans. Bank Of England 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 include Jacksonville, Denver, Milwaukee, New York, and Little Rock among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Bank Of England is typically an average fee lendor.


    Originations

    23,610

    Origination Dollar Volume (All Markets)

    $6,189,700,000

    Employee count

    1,242

    Relative Rate

    Bank Of England's average 30 year fixed rate mortgage was 3.33%.

    The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

    This yields a difference of -0.03%.

    Relative Fees

    Bank Of England's average total fees for a 30 year fixed rate mortgage are $5,434.

    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 $5,021.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional 17,689 $4,791,575,000 $270,879 $4,595 3.27%
    FHA 3,075 $639,155,000 $207,855 $8,080 3.44%
    VA 2,051 $626,685,000 $305,551 $6,465 2.93%
    USDA 795 $132,285,000 $166,396 $5,733 3.17%

    For the 2020 period, Bank Of England's most frequently originated loan type was Conventional, with 17,689 originations. Their 2nd most popular type is FHA, with 3,075 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Home Purchase 12,810 $3,200,640,000 $249,855 $5,935 3.32%
    Refi 7,940 $2,211,830,000 $278,568 $4,238 3.12%
    Cash Out Refi 2,857 $777,125,000 $272,007 $5,146 3.39%
    Other 3 $105,000 $35,000 $1,170 5.50%

    For the 2020, Bank Of England's most frequently cited loan purpose was Home Purchase, with 12,810 originations. The 2nd most popular reason was Refi, with 7,940 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 20,845 $5,521,005,000 $264,860 $5,433 3.30%
    15 Year 2,000 $477,050,000 $238,525 $4,028 2.81%
    20 Year 418 $109,030,000 $260,837 $4,372 3.25%
    Other 244 $63,630,000 $260,779 $3,969 3.29%
    10 Year 95 $18,265,000 $192,263 $3,701 2.83%
    1 Year 6 $620,000 $103,333 $1,843 5.28%
    5 Year 2 $100,000 $50,000 $0 5.48%

    For the 2020, Bank Of England's most frequently cited loan length was 30 Year, with 20,845 originations. The 2nd most popular length was 15 Year, with 2,000 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $1k-2k 10,298 $2,650,000,000 $257,332
    $<1k 5,177 $1,309,185,000 $252,885
    $2k-3k 3,035 $714,575,000 $235,445
    $3k-4k 2,758 $745,720,000 $270,384
    $5k+ 1,491 $598,155,000 $401,177

    $5,434 was Bank Of England's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 10,298 originations.

    Top Markets

    Market Originations Total Value Average Loan Average Fees Average Rate
    JACKSONVILLE, FL 2,202 $594,950,000 $270,186 $5,837 3.18%
    Outside of Metro Areas 2,273 $477,185,000 $209,936 $4,918 3.31%
    DENVER-AURORA-LAKEWOOD, CO 835 $292,665,000 $350,497 $5,463 3.29%
    MILWAUKEE-WAUKESHA, WI 1,010 $237,300,000 $234,950 $3,405 3.30%
    NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 488 $228,910,000 $469,078 $9,924 3.27%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 1,085 $225,625,000 $207,949 $4,112 3.19%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA 589 $210,165,000 $356,817 $5,360 3.24%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 721 $192,735,000 $267,316 $4,752 3.18%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 624 $184,730,000 $296,042 $4,322 3.30%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 533 $137,575,000 $258,114 $5,160 3.23%
    ORLANDO-KISSIMMEE-SANFORD, FL 449 $121,765,000 $271,192 $6,369 3.21%
    MEMPHIS, TN-MS-AR 432 $107,790,000 $249,514 $4,744 3.18%
    DALLAS-PLANO-IRVING, TX 378 $107,570,000 $284,577 $6,944 3.28%
    NORTH PORT-SARASOTA-BRADENTON, FL 382 $92,310,000 $241,649 $5,756 3.40%
    LAS VEGAS-HENDERSON-PARADISE, NV 297 $90,185,000 $303,653 $6,650 3.30%
    LEXINGTON-FAYETTE, KY 405 $89,475,000 $220,926 $3,676 3.32%
    CINCINNATI, OH-KY-IN 432 $83,680,000 $193,704 $3,956 3.49%
    COLUMBUS, OH 363 $82,895,000 $228,361 $4,933 3.22%
    ATHENS-CLARKE COUNTY, GA 299 $81,905,000 $273,930 $3,987 3.16%
    CAMBRIDGE-NEWTON-FRAMINGHAM, MA 220 $79,660,000 $362,091 $4,424 3.20%
    GARY, IN 330 $74,490,000 $225,727 $5,057 3.29%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 274 $74,050,000 $270,255 $6,255 3.25%
    BIRMINGHAM-HOOVER, AL 298 $67,450,000 $226,342 $4,360 3.27%
    BOISE CITY, ID 206 $60,260,000 $292,524 $6,863 3.17%
    PHOENIX-MESA-CHANDLER, AZ 209 $57,875,000 $276,914 $5,083 3.33%
    INDIANAPOLIS-CARMEL-ANDERSON, IN 297 $57,045,000 $192,071 $3,937 3.61%
    BOSTON, MA 137 $55,065,000 $401,934 $5,075 3.25%
    CLEVELAND-ELYRIA, OH 247 $45,185,000 $182,935 $5,338 3.38%
    NASSAU COUNTY-SUFFOLK COUNTY, NY 113 $45,085,000 $398,982 $9,059 3.17%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX 145 $44,775,000 $308,793 $6,004 3.14%
    CHATTANOOGA, TN-GA 211 $44,555,000 $211,161 $4,271 3.33%
    HUNTSVILLE, AL 150 $41,790,000 $278,600 $4,562 3.15%
    NEW HAVEN-MILFORD, CT 148 $37,260,000 $251,757 $5,641 3.11%
    SEATTLE-BELLEVUE-KENT, WA 81 $37,055,000 $457,469 $6,258 3.27%
    LAFAYETTE, LA 141 $34,855,000 $247,199 $4,569 3.04%
    RALEIGH-CARY, NC 116 $33,140,000 $285,690 $5,255 3.13%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL 126 $33,000,000 $261,905 $6,175 3.29%
    JACKSON, MS 137 $32,525,000 $237,409 $5,537 3.31%
    DAPHNE-FAIRHOPE-FOLEY, AL 124 $31,640,000 $255,161 $5,332 3.20%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 147 $31,595,000 $214,932 $6,144 3.33%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA 79 $31,575,000 $399,684 $6,188 3.19%
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 78 $30,500,000 $391,026 $6,939 3.24%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA 87 $30,075,000 $345,690 $6,532 3.22%
    KNOXVILLE, TN 126 $28,510,000 $226,270 $4,418 3.13%
    MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 94 $28,320,000 $301,277 $5,974 3.23%
    PANAMA CITY, FL 114 $28,290,000 $248,158 $5,839 3.18%
    OAKLAND-BERKELEY-LIVERMORE, CA 57 $27,975,000 $490,789 $5,732 3.22%
    LOS ANGELES-LONG BEACH-GLENDALE, CA 67 $27,705,000 $413,507 $6,295 3.14%
    WARREN-TROY-FARMINGTON HILLS, MI 110 $27,570,000 $250,636 $4,536 3.30%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX 94 $27,140,000 $288,723 $6,476 3.08%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 113 $26,925,000 $238,274 $5,786 3.07%
    PENSACOLA-FERRY PASS-BRENT, FL 104 $26,190,000 $251,827 $5,855 3.26%
    BOULDER, CO 66 $24,290,000 $368,030 $4,655 3.19%
    SAN ANTONIO-NEW BRAUNFELS, TX 95 $23,655,000 $249,000 $7,437 3.31%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 71 $23,635,000 $332,887 $5,525 3.15%
    BEND, OR 65 $23,095,000 $355,308 $7,294 3.23%
    CHICAGO-NAPERVILLE-EVANSTON, IL 85 $21,945,000 $258,176 $6,106 3.28%
    FORT WORTH-ARLINGTON-GRAPEVINE, TX 85 $20,855,000 $245,353 $6,200 3.34%
    KANSAS CITY, MO-KS 92 $20,610,000 $224,022 $4,148 3.18%
    WORCESTER, MA-CT 61 $20,415,000 $334,672 $4,703 3.15%
    PALM BAY-MELBOURNE-TITUSVILLE, FL 82 $19,970,000 $243,537 $6,611 3.31%
    GREELEY, CO 62 $19,930,000 $321,452 $4,962 3.33%
    PITTSBURGH, PA 93 $19,465,000 $209,301 $5,120 3.08%
    BOWLING GREEN, KY 101 $19,445,000 $192,525 $5,106 3.56%
    BATON ROUGE, LA 81 $19,315,000 $238,457 $5,576 3.51%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC 65 $17,925,000 $275,769 $6,478 3.24%
    FORT SMITH, AR-OK 100 $16,980,000 $169,800 $3,627 3.17%
    MICHIGAN CITY-LA PORTE, IN 97 $16,675,000 $171,907 $4,780 3.35%
    ANAHEIM-SANTA ANA-IRVINE, CA 34 $16,430,000 $483,235 $7,390 3.26%
    NEW ORLEANS-METAIRIE, LA 64 $16,300,000 $254,688 $5,553 3.24%
    NEW BRUNSWICK-LAKEWOOD, NJ 51 $16,215,000 $317,941 $6,699 3.22%
    EVANSVILLE, IN-KY 108 $16,060,000 $148,704 $4,334 3.22%
    PHILADELPHIA, PA 65 $15,695,000 $241,462 $6,154 3.23%
    BRIDGEPORT-STAMFORD-NORWALK, CT 37 $15,535,000 $419,865 $9,477 3.25%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR 58 $15,370,000 $265,000 $4,049 3.10%
    CAPE CORAL-FORT MYERS, FL 65 $15,055,000 $231,615 $5,587 3.34%
    DAYTON-KETTERING, OH 85 $14,715,000 $173,118 $5,044 3.54%
    BISMARCK, ND 56 $13,990,000 $249,821 $4,669 3.15%
    SALT LAKE CITY, UT 44 $13,220,000 $300,455 $6,192 3.19%
    NEWARK, NJ-PA 41 $12,375,000 $301,829 $8,232 3.16%
    TACOMA-LAKEWOOD, WA 31 $11,395,000 $367,581 $6,073 3.19%
    RACINE, WI 49 $11,335,000 $231,327 $4,284 3.35%
    ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 33 $11,085,000 $335,909 $3,908 3.25%
    COLORADO SPRINGS, CO 33 $10,795,000 $327,121 $4,766 3.20%
    PROVIDENCE-WARWICK, RI-MA 37 $10,685,000 $288,784 $5,321 3.20%
    LAKELAND-WINTER HAVEN, FL 49 $10,025,000 $204,592 $6,758 3.29%
    ASHEVILLE, NC 44 $10,010,000 $227,500 $5,794 3.18%
    CAMDEN, NJ 41 $9,895,000 $241,341 $6,390 3.19%
    BARNSTABLE TOWN, MA 32 $9,650,000 $301,563 $3,995 3.15%
    FORT COLLINS, CO 28 $9,490,000 $338,929 $4,867 3.23%
    GREENVILLE-ANDERSON, SC 34 $9,490,000 $279,118 $4,444 3.29%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 45 $9,355,000 $207,889 $4,715 3.27%
    STOCKTON, CA 24 $9,330,000 $388,750 $4,899 3.41%
    WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 31 $9,115,000 $294,032 $6,291 3.13%
    EL PASO, TX 30 $8,350,000 $278,333 $7,884 3.25%
    LAKE COUNTY-KENOSHA COUNTY, IL-WI 28 $8,220,000 $293,571 $4,526 3.21%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA 13 $7,615,000 $585,769 $7,040 3.19%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN 35 $7,605,000 $217,286 $4,274 3.32%
    GREENSBORO-HIGH POINT, NC 37 $7,525,000 $203,378 $7,851 3.36%
    URBAN HONOLULU, HI 13 $7,365,000 $566,538 $9,713 2.99%
    HOT SPRINGS, AR 33 $7,205,000 $218,333 $3,873 3.23%
    MOBILE, AL 37 $7,105,000 $192,027 $4,575 3.23%
    DURHAM-CHAPEL HILL, NC 22 $6,960,000 $316,364 $4,471 3.06%
    FREDERICK-GAITHERSBURG-ROCKVILLE, MD 18 $6,920,000 $384,444 $6,901 3.46%
    AKRON, OH 38 $6,910,000 $181,842 $4,687 3.37%
    ST. LOUIS, MO-IL 35 $6,655,000 $190,143 $5,252 3.41%
    FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 27 $6,615,000 $245,000 $6,220 3.11%
    BALTIMORE-COLUMBIA-TOWSON, MD 19 $6,535,000 $343,947 $6,649 3.36%
    PUNTA GORDA, FL 33 $6,505,000 $197,121 $5,758 3.37%
    OGDEN-CLEARFIELD, UT 25 $6,485,000 $259,400 $5,156 3.16%
    OCALA, FL 35 $6,325,000 $180,714 $6,406 3.44%
    SPRINGFIELD, MA 29 $6,115,000 $210,862 $3,886 3.35%
    MANCHESTER-NASHUA, NH 21 $6,035,000 $287,381 $4,604 3.17%
    LAREDO, TX 31 $6,005,000 $193,710 $6,421 3.08%
    PORTLAND-SOUTH PORTLAND, ME 18 $5,870,000 $326,111 $3,701 3.02%
    FRESNO, CA 22 $5,820,000 $264,545 $3,956 3.13%
    READING, PA 29 $5,775,000 $199,138 $5,728 3.08%
    MIAMI-MIAMI BEACH-KENDALL, FL 20 $5,640,000 $282,000 $6,844 3.49%
    CLARKSVILLE, TN-KY 26 $5,600,000 $215,385 $6,150 3.40%
    RENO, NV 17 $5,595,000 $329,118 $6,200 3.26%
    PROVO-OREM, UT 17 $5,555,000 $326,765 $6,791 3.08%
    ELGIN, IL 22 $5,480,000 $249,091 $5,505 3.32%
    PUEBLO, CO 21 $5,435,000 $258,810 $6,165 3.26%
    OWENSBORO, KY 39 $5,265,000 $135,000 $3,961 3.75%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 16 $5,150,000 $321,875 $4,484 3.00%
    SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 9 $5,055,000 $561,667 $10,545 3.46%
    TRENTON-PRINCETON, NJ 19 $5,025,000 $264,474 $7,965 3.25%
    WILMINGTON, DE-MD-NJ 19 $4,875,000 $256,579 $4,766 3.06%
    GAINESVILLE, GA 17 $4,695,000 $276,176 $4,236 3.31%
    AUGUSTA-RICHMOND COUNTY, GA-SC 20 $4,690,000 $234,500 $4,895 3.08%
    SALEM, OR 16 $4,670,000 $291,875 $5,938 3.41%
    MEDFORD, OR 15 $4,655,000 $310,333 $4,922 3.33%
    CHARLESTON-NORTH CHARLESTON, SC 17 $4,645,000 $273,235 $5,081 3.37%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 23 $4,595,000 $199,783 $6,133 3.21%
    OKLAHOMA CITY, OK 20 $4,470,000 $223,500 $4,879 3.11%
    JACKSON, TN 27 $4,405,000 $163,148 $4,968 3.68%
    TUCSON, AZ 13 $4,175,000 $321,154 $7,078 3.06%
    EUGENE-SPRINGFIELD, OR 14 $4,030,000 $287,857 $4,454 3.56%
    TEXARKANA, TX-AR 20 $3,980,000 $199,000 $4,373 3.38%
    ANCHORAGE, AK 13 $3,945,000 $303,462 $5,071 2.91%
    SOUTH BEND-MISHAWAKA, IN-MI 23 $3,905,000 $169,783 $4,566 3.40%
    GRAND JUNCTION, CO 11 $3,765,000 $342,273 $4,676 3.15%
    DETROIT-DEARBORN-LIVONIA, MI 19 $3,735,000 $196,579 $5,262 3.51%
    HILTON HEAD ISLAND-BLUFFTON, SC 12 $3,620,000 $301,667 $4,698 3.04%
    OLYMPIA-LACEY-TUMWATER, WA 11 $3,575,000 $325,000 $7,668 3.17%
    HATTIESBURG, MS 20 $3,530,000 $176,500 $5,961 3.20%
    PORT ST. LUCIE, FL 15 $3,455,000 $230,333 $5,679 3.40%
    NAPLES-MARCO ISLAND, FL 10 $3,360,000 $336,000 $5,737 3.15%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 14 $3,350,000 $239,286 $7,203 3.21%
    GULFPORT-BILOXI, MS 18 $3,340,000 $185,556 $4,712 3.40%
    TULSA, OK 13 $3,055,000 $235,000 $6,339 2.98%
    COLUMBIA, SC 16 $3,020,000 $188,750 $4,914 3.39%
    TALLAHASSEE, FL 14 $2,950,000 $210,714 $4,449 3.51%
    MADISON, WI 12 $2,900,000 $241,667 $4,402 3.29%
    WINSTON-SALEM, NC 16 $2,900,000 $181,250 $5,005 3.20%
    LYNCHBURG, VA 10 $2,870,000 $287,000 $5,172 3.06%
    SPARTANBURG, SC 12 $2,860,000 $238,333 $5,241 3.32%
    CLEVELAND, TN 13 $2,765,000 $212,692 $5,311 3.19%
    BAKERSFIELD, CA 9 $2,735,000 $303,889 $4,978 3.33%
    SAN RAFAEL, CA 6 $2,730,000 $455,000 $7,828 3.08%
    MODESTO, CA 9 $2,705,000 $300,556 $5,438 3.51%
    KENNEWICK-RICHLAND, WA 10 $2,690,000 $269,000 $7,591 3.11%
    OMAHA-COUNCIL BLUFFS, NE-IA 11 $2,655,000 $241,364 $6,205 2.93%
    NORWICH-NEW LONDON, CT 10 $2,650,000 $265,000 $5,789 3.26%
    HARRISBURG-CARLISLE, PA 14 $2,640,000 $188,571 $6,812 3.16%
    TUSCALOOSA, AL 10 $2,600,000 $260,000 $3,884 3.28%
    CANTON-MASSILLON, OH 17 $2,415,000 $142,059 $4,461 3.18%
    RICHMOND, VA 8 $2,370,000 $296,250 $5,833 3.22%
    SAVANNAH, GA 10 $2,310,000 $231,000 $6,098 3.40%
    SEBASTIAN-VERO BEACH, FL 7 $2,255,000 $322,143 $5,794 3.23%
    VALLEJO, CA 6 $2,200,000 $366,667 $5,568 3.02%
    WILMINGTON, NC 5 $2,185,000 $437,000 $6,210 3.08%
    EAST STROUDSBURG, PA 16 $2,180,000 $136,250 $5,915 3.42%
    PRESCOTT VALLEY-PRESCOTT, AZ 7 $2,165,000 $309,286 $5,885 3.34%
    HAGERSTOWN-MARTINSBURG, MD-WV 11 $2,125,000 $193,182 $5,277 3.11%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA 6 $2,110,000 $351,667 $4,935 3.19%
    SPOKANE-SPOKANE VALLEY, WA 7 $2,105,000 $300,714 $4,611 3.00%
    LANCASTER, PA 10 $2,100,000 $210,000 $5,974 3.40%
    LAKE HAVASU CITY-KINGMAN, AZ 9 $2,095,000 $232,778 $6,490 3.10%
    SPRINGFIELD, OH 12 $2,010,000 $167,500 $4,282 3.41%
    GAINESVILLE, FL 10 $1,970,000 $197,000 $3,020 3.05%
    FLAGSTAFF, AZ 5 $1,905,000 $381,000 $3,065 3.28%
    ST. CLOUD, MN 10 $1,900,000 $190,000 $5,233 3.16%
    YORK-HANOVER, PA 9 $1,895,000 $210,556 $6,550 3.14%
    SCRANTON--WILKES-BARRE, PA 15 $1,855,000 $123,667 $5,823 3.24%
    GRAND RAPIDS-KENTWOOD, MI 6 $1,820,000 $303,333 $4,323 3.19%
    COEUR D'ALENE, ID 4 $1,760,000 $440,000 $4,357 3.19%
    SALINAS, CA 4 $1,750,000 $437,500 $6,368 3.13%
    ELIZABETHTOWN-FORT KNOX, KY 9 $1,725,000 $191,667 $3,274 3.24%
    KINGSTON, NY 8 $1,710,000 $213,750 $7,151 3.09%
    SANTA MARIA-SANTA BARBARA, CA 4 $1,710,000 $427,500 $6,093 3.44%
    FAYETTEVILLE, NC 13 $1,705,000 $131,154 $5,059 3.72%
    ODESSA, TX 9 $1,695,000 $188,333 $8,251 3.67%
    COLUMBUS, GA-AL 7 $1,695,000 $242,143 $4,225 3.34%
    OXNARD-THOUSAND OAKS-VENTURA, CA 5 $1,675,000 $335,000 $4,570 2.83%
    MISSOULA, MT 6 $1,670,000 $278,333 $8,106 3.42%
    FARGO, ND-MN 7 $1,665,000 $237,857 $4,499 3.48%
    BUFFALO-CHEEKTOWAGA, NY 10 $1,650,000 $165,000 $6,734 3.30%
    MORRISTOWN, TN 9 $1,645,000 $182,778 $4,553 3.88%
    ALBANY-LEBANON, OR 5 $1,605,000 $321,000 $6,155 3.25%
    OCEAN CITY, NJ 6 $1,570,000 $261,667 $5,252 3.23%
    TOPEKA, KS 10 $1,560,000 $156,000 $4,008 3.28%
    DULUTH, MN-WI 7 $1,555,000 $222,143 $4,766 3.05%
    WARNER ROBINS, GA 7 $1,525,000 $217,857 $4,481 3.18%
    SHREVEPORT-BOSSIER CITY, LA 7 $1,515,000 $216,429 $4,360 3.91%
    IDAHO FALLS, ID 7 $1,515,000 $216,429 $5,187 3.30%
    ST. GEORGE, UT 5 $1,515,000 $303,000 $5,054 3.30%
    ALBUQUERQUE, NM 7 $1,495,000 $213,571 $5,759 3.63%
    BILLINGS, MT 5 $1,495,000 $299,000 $4,150 3.53%
    SPRINGFIELD, MO 8 $1,490,000 $186,250 $6,882 3.30%
    SANTA CRUZ-WATSONVILLE, CA 3 $1,485,000 $495,000 $8,913 3.42%
    SALISBURY, MD-DE 6 $1,480,000 $246,667 $5,790 3.29%
    JONESBORO, AR 10 $1,470,000 $147,000 $3,456 3.13%
    TOLEDO, OH 8 $1,440,000 $180,000 $5,173 3.84%
    MONTGOMERY, AL 7 $1,415,000 $202,143 $5,810 3.41%
    ATLANTIC CITY-HAMMONTON, NJ 7 $1,395,000 $199,286 $4,439 3.13%
    SANTA FE, NM 5 $1,395,000 $279,000 $7,159 3.05%
    DECATUR, AL 6 $1,370,000 $228,333 $4,156 3.02%
    MIDLAND, TX 5 $1,365,000 $273,000 $9,605 3.58%
    SHEBOYGAN, WI 6 $1,360,000 $226,667 $4,674 3.48%
    ABILENE, TX 5 $1,355,000 $271,000 $6,317 3.50%
    FLINT, MI 7 $1,315,000 $187,857 $4,402 3.23%
    BLOOMINGTON, IN 5 $1,275,000 $255,000 $5,620 3.28%
    DES MOINES-WEST DES MOINES, IA 8 $1,270,000 $158,750 $4,798 3.16%
    KAHULUI-WAILUKU-LAHAINA, HI 4 $1,260,000 $315,000 $4,777 3.22%
    WICHITA, KS 7 $1,245,000 $177,857 $4,215 3.45%
    LANSING-EAST LANSING, MI 7 $1,225,000 $175,000 $4,715 3.21%
    AUBURN-OPELIKA, AL 7 $1,205,000 $172,143 $6,019 3.18%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 10 $1,200,000 $120,000 $5,265 3.23%
    ROME, GA 4 $1,200,000 $300,000 $6,554 2.94%
    FAIRBANKS, AK 5 $1,195,000 $239,000 $4,955 2.88%
    CHEYENNE, WY 5 $1,195,000 $239,000 $3,431 3.20%
    MOUNT VERNON-ANACORTES, WA 4 $1,190,000 $297,500 $5,017 3.44%
    JACKSONVILLE, NC 7 $1,185,000 $169,286 $5,289 2.98%
    FORT WAYNE, IN 7 $1,175,000 $167,857 $3,660 3.21%
    TYLER, TX 5 $1,165,000 $233,000 $5,385 3.28%
    FLORENCE-MUSCLE SHOALS, AL 5 $1,165,000 $233,000 $5,868 3.18%
    ALBANY-SCHENECTADY-TROY, NY 5 $1,125,000 $225,000 $4,480 3.25%
    CORPUS CHRISTI, TX 5 $1,115,000 $223,000 $7,306 3.23%
    CHARLOTTESVILLE, VA 4 $1,110,000 $277,500 $4,360 2.97%
    WACO, TX 4 $1,100,000 $275,000 $3,170 2.75%
    SHERMAN-DENISON, TX 5 $1,095,000 $219,000 $5,462 3.38%
    SYRACUSE, NY 5 $1,095,000 $219,000 $4,667 3.73%
    LUBBOCK, TX 4 $1,060,000 $265,000 $5,458 3.25%
    SEBRING-AVON PARK, FL 5 $1,055,000 $211,000 $4,347 3.40%
    BRUNSWICK, GA 4 $1,050,000 $262,500 $5,402 2.94%
    JOHNSTOWN, PA 10 $1,040,000 $104,000 $5,094 3.23%
    LONGVIEW, TX 5 $1,035,000 $207,000 $6,155 3.23%
    SANTA ROSA-PETALUMA, CA 2 $1,030,000 $515,000 $9,530 3.13%
    GREEN BAY, WI 4 $1,020,000 $255,000 $3,421 3.41%
    MADERA, CA 3 $1,015,000 $338,333 $10,255 3.25%
    BROWNSVILLE-HARLINGEN, TX 5 $995,000 $199,000 $5,751 3.03%
    SIOUX FALLS, SD 4 $980,000 $245,000 $4,522 2.91%
    HOUMA-THIBODAUX, LA 5 $975,000 $195,000 $5,781 3.43%
    THE VILLAGES, FL 5 $955,000 $191,000 $4,530 3.35%
    ANNISTON-OXFORD, AL 4 $940,000 $235,000 $4,264 3.22%
    HUNTINGTON-ASHLAND, WV-KY-OH 5 $935,000 $187,000 $4,247 2.95%
    ANN ARBOR, MI 4 $930,000 $232,500 $5,048 3.22%
    BURLINGTON-SOUTH BURLINGTON, VT 3 $925,000 $308,333 $6,147 3.96%
    CORVALLIS, OR 3 $925,000 $308,333 $6,550 3.17%
    LOGAN, UT-ID 3 $915,000 $305,000 $3,487 2.75%
    BELLINGHAM, WA 3 $915,000 $305,000 $2,947 2.92%
    ROCHESTER, MN 5 $905,000 $181,000 $4,638 3.38%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 5 $885,000 $177,000 $3,436 2.98%
    FOND DU LAC, WI 5 $875,000 $175,000 $4,500 3.40%
    BECKLEY, WV 4 $870,000 $217,500 $6,011 2.97%
    BINGHAMTON, NY 6 $870,000 $145,000 $6,691 3.10%
    HICKORY-LENOIR-MORGANTON, NC 4 $870,000 $217,500 $5,514 3.00%
    LEBANON, PA 4 $860,000 $215,000 $7,883 3.22%
    MONROE, MI 5 $855,000 $171,000 $5,983 2.98%
    YAKIMA, WA 3 $855,000 $285,000 $6,599 3.42%
    MIDLAND, MI 2 $850,000 $425,000 $5,809 3.19%
    BLOOMINGTON, IL 5 $825,000 $165,000 $4,668 3.73%
    ERIE, PA 5 $805,000 $161,000 $6,229 3.20%
    CHAMPAIGN-URBANA, IL 5 $785,000 $157,000 $4,946 3.13%
    MACON-BIBB COUNTY, GA 6 $780,000 $130,000 $5,159 3.17%
    WENATCHEE, WA 2 $770,000 $385,000 $3,557 3.13%
    YUBA CITY, CA 2 $760,000 $380,000 $9,843 2.94%
    UTICA-ROME, NY 5 $755,000 $151,000 $6,566 3.60%
    SIERRA VISTA-DOUGLAS, AZ 4 $740,000 $185,000 $3,639 2.97%
    GADSDEN, AL 4 $740,000 $185,000 $5,954 3.31%
    DALTON, GA 5 $725,000 $145,000 $6,426 3.08%
    LIMA, OH 3 $725,000 $241,667 $4,618 3.46%
    ROCKY MOUNT, NC 4 $710,000 $177,500 $5,863 3.47%
    LAFAYETTE-WEST LAFAYETTE, IN 4 $700,000 $175,000 $4,554 4.09%
    ELKHART-GOSHEN, IN 4 $700,000 $175,000 $3,878 3.50%
    OSHKOSH-NEENAH, WI 3 $685,000 $228,333 $2,831 3.46%
    FLORENCE, SC 4 $680,000 $170,000 $3,913 3.16%
    ROANOKE, VA 2 $680,000 $340,000 $4,132 3.25%
    NEW BERN, NC 3 $675,000 $225,000 $5,786 3.08%
    PEORIA, IL 3 $675,000 $225,000 $3,597 3.58%
    ROCHESTER, NY 4 $670,000 $167,500 $7,595 3.44%
    HOMOSASSA SPRINGS, FL 5 $665,000 $133,000 $4,569 3.65%
    MONROE, LA 2 $660,000 $330,000 $3,046 3.94%
    POCATELLO, ID 3 $655,000 $218,333 $5,111 3.54%
    DOVER, DE 3 $655,000 $218,333 $5,039 3.29%
    SUMTER, SC 3 $635,000 $211,667 $6,391 3.08%
    SAN LUIS OBISPO-PASO ROBLES, CA 2 $630,000 $315,000 $7,640 3.38%
    KANKAKEE, IL 3 $605,000 $201,667 $7,883 3.13%
    DOTHAN, AL 3 $605,000 $201,667 $3,826 2.79%
    JANESVILLE-BELOIT, WI 3 $585,000 $195,000 $5,438 3.50%
    VISALIA, CA 2 $570,000 $285,000 $5,334 3.25%
    GRANTS PASS, OR 2 $540,000 $270,000 $7,287 3.19%
    COLUMBIA, MO 1 $515,000 $515,000 $2,686 3.00%
    MANHATTAN, KS 2 $510,000 $255,000 $2,483 2.88%
    LAKE CHARLES, LA 2 $510,000 $255,000 $3,665 3.44%
    HANFORD-CORCORAN, CA 1 $495,000 $495,000 $1,885 4.50%
    CHARLESTON, WV 3 $495,000 $165,000 $5,471 3.00%
    VALDOSTA, GA 2 $490,000 $245,000 $8,305 2.94%
    CAPE GIRARDEAU, MO-IL 4 $480,000 $120,000 $4,269 3.63%
    WATERLOO-CEDAR FALLS, IA 4 $470,000 $117,500 $4,320 3.50%
    JOPLIN, MO 4 $470,000 $117,500 $3,903 3.38%
    MANSFIELD, OH 3 $465,000 $155,000 $5,850 3.42%
    NAPA, CA 1 $455,000 $455,000 $2,972 3.63%
    BLACKSBURG-CHRISTIANSBURG, VA 2 $440,000 $220,000 $1,520 3.25%
    WEIRTON-STEUBENVILLE, WV-OH 2 $420,000 $210,000 $4,666 3.38%
    BURLINGTON, NC 3 $415,000 $138,333 $7,157 3.67%
    JOHNSON CITY, TN 2 $410,000 $205,000 $4,650 4.00%
    PINE BLUFF, AR 3 $405,000 $135,000 $4,118 2.92%
    MCALLEN-EDINBURG-MISSION, TX 3 $405,000 $135,000 $6,181 3.08%
    YUMA, AZ 1 $395,000 $395,000 $4,146 2.63%
    PITTSFIELD, MA 1 $395,000 $395,000 $8,117 3.00%
    GLENS FALLS, NY 3 $385,000 $128,333 $6,632 3.67%
    GETTYSBURG, PA 2 $380,000 $190,000 $6,014 2.88%
    FARMINGTON, NM 2 $380,000 $190,000 $8,979 3.88%
    EL CENTRO, CA 1 $375,000 $375,000 $1,280 2.63%
    CEDAR RAPIDS, IA 3 $365,000 $121,667 $4,070 3.13%
    KALAMAZOO-PORTAGE, MI 2 $360,000 $180,000 $7,648 4.31%
    COLUMBUS, IN 2 $350,000 $175,000 $2,413 3.13%
    GRAND FORKS, ND-MN 1 $345,000 $345,000 $0 3.25%
    LAWTON, OK 3 $335,000 $111,667 $6,087 3.96%
    BEAUMONT-PORT ARTHUR, TX 2 $320,000 $160,000 $3,342 3.38%
    ROCKFORD, IL 2 $310,000 $155,000 $3,421 3.31%
    SAN ANGELO, TX 2 $290,000 $145,000 $4,702 2.75%
    KILLEEN-TEMPLE, TX 1 $285,000 $285,000 $3,829 2.63%
    LONGVIEW, WA 1 $285,000 $285,000 $13,927 4.50%
    LINCOLN, NE 2 $280,000 $140,000 $3,640 3.06%
    APPLETON, WI 2 $280,000 $140,000 $4,520 3.13%
    WILLIAMSPORT, PA 2 $280,000 $140,000 $4,757 3.38%
    ELMIRA, NY 2 $270,000 $135,000 $5,216 2.94%
    MUSKEGON, MI 1 $265,000 $265,000 $3,355 3.50%
    CUMBERLAND, MD-WV 2 $260,000 $130,000 $2,548 3.81%
    COLLEGE STATION-BRYAN, TX 2 $260,000 $130,000 $5,783 3.38%
    WICHITA FALLS, TX 2 $260,000 $130,000 $4,984 2.75%
    ITHACA, NY 1 $255,000 $255,000 $3,449 3.25%
    RAPID CITY, SD 2 $240,000 $120,000 $4,529 3.13%
    SPRINGFIELD, IL 2 $240,000 $120,000 $5,452 3.44%
    STATE COLLEGE, PA 1 $235,000 $235,000 $3,560 2.75%
    MANKATO, MN 1 $235,000 $235,000 $3,815 3.25%
    CARSON CITY, NV 1 $225,000 $225,000 $4,840 2.63%
    TERRE HAUTE, IN 2 $220,000 $110,000 $4,582 3.31%
    WAUSAU-WESTON, WI 2 $220,000 $110,000 $2,652 3.25%
    SIOUX CITY, IA-NE-SD 1 $215,000 $215,000 $6,331 3.38%
    KOKOMO, IN 2 $210,000 $105,000 $2,536 3.88%
    LAWRENCE, KS 2 $210,000 $105,000 $2,754 3.19%
    STAUNTON, VA 1 $205,000 $205,000 $5,170 3.75%
    LAS CRUCES, NM 1 $195,000 $195,000 $5,952 3.25%
    LA CROSSE-ONALASKA, WI-MN 1 $195,000 $195,000 $2,947 3.25%
    ALTOONA, PA 2 $190,000 $95,000 $4,627 3.13%
    LEWISTON-AUBURN, ME 1 $185,000 $185,000 $3,733 3.50%
    CHAMBERSBURG-WAYNESBORO, PA 1 $185,000 $185,000 $6,086 2.25%
    REDDING, CA 1 $185,000 $185,000 $3,192 5.13%
    ALEXANDRIA, LA 1 $185,000 $185,000 $7,627 2.63%
    JACKSON, MI 1 $175,000 $175,000 $6,169 3.50%
    ALBANY, GA 2 $170,000 $85,000 $6,022 3.25%
    GRAND ISLAND, NE 1 $165,000 $165,000 $4,237 2.88%
    VINELAND-BRIDGETON, NJ 1 $145,000 $145,000 $3,238 3.25%
    HAMMOND, LA 1 $145,000 $145,000 $8,656 5.13%
    KINGSPORT-BRISTOL, TN-VA 1 $145,000 $145,000 $7,358 3.63%
    AMES, IA 1 $135,000 $135,000 $5,501 3.13%
    BANGOR, ME 1 $115,000 $115,000 $5,833 4.00%
    WATERTOWN-FORT DRUM, NY 1 $105,000 $105,000 $4,406 2.75%
    BLOOMSBURG-BERWICK, PA 1 $95,000 $95,000 $4,128 3.25%
    ST. JOSEPH, MO-KS 1 $85,000 $85,000 $4,180 3.63%
    MORGANTOWN, WV 1 $85,000 $85,000 $4,278 3.50%
    MUNCIE, IN 1 $75,000 $75,000 $3,136 2.88%
    WHEELING, WV-OH 1 $75,000 $75,000 $4,537 3.13%
    GOLDSBORO, NC 1 $65,000 $65,000 $4,301 3.00%
    NILES, MI 1 $55,000 $55,000 $4,326 3.25%

    Bank Of England's top markets include Jacksonville, Denver, Milwaukee, New York, and Little Rock among others.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 13,187 $3,450,725,000 $261,676
    2.5-3% 7,569 $2,054,645,000 $271,455
    <2.5% 1,395 $385,045,000 $276,018
    4-5% 1,277 $264,035,000 $206,762
    5-6% 166 $31,810,000 $191,627
    6-7% 9 $2,035,000 $226,111
    Over 8% 4 $740,000 $185,000
    7-8% 3 $665,000 $221,667

    During 2020, Bank Of England's average interest rate was 3.33%, while their most frequently originated rate bucket was 3-4%, with 13,187 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 11,930 $3,355,140,000 $281,236 $5,440 3.21%
    $100k-200k 7,190 $1,116,050,000 $155,223 $4,431 3.33%
    $400k-600k 3,017 $1,413,765,000 $468,600 $6,504 3.16%
    $100,000 or less 1,188 $94,830,000 $79,823 $3,763 3.57%
    $600k-1MM 270 $188,770,000 $699,148 $11,172 3.39%
    $1MM+ 15 $21,145,000 $1,409,667 $17,819 3.49%

    2020 saw Bank Of England place emphasis on $200k-400k loans with 11,930 originations, totaling $3,355,140,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 5,821 $1,257,095,000 $215,959 $5,378 3.28%
    $100k-150k 4,877 $1,488,535,000 $305,215 $5,372 3.26%
    $75k-100k 4,265 $1,135,285,000 $266,186 $5,588 3.29%
    $50k or less 3,741 $563,715,000 $150,686 $4,819 3.31%
    $150k-250k 3,001 $1,058,765,000 $352,804 $5,307 3.22%
    $250k+ 1,090 $432,730,000 $397,000 $5,408 3.22%

    Bank Of England lent most frequently to those with incomes in the $50k-75k range, with 5,821 originations. The second most popular income band? $100k-150k, with 4,877 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 4,894 $1,252,200,000 $255,864 $4,594 3.21%
    30-36% 4,192 $1,069,660,000 $255,167 $5,031 3.27%
    <20% 1,625 $414,645,000 $255,166 $4,134 3.12%
    44% 1,194 $311,260,000 $260,687 $5,782 3.34%
    43% 1,024 $270,010,000 $263,682 $5,593 3.33%
    42% 1,012 $270,300,000 $267,095 $5,670 3.31%
    41% 928 $251,910,000 $271,455 $5,621 3.32%
    40% 876 $235,370,000 $268,687 $5,494 3.28%
    39% 844 $228,700,000 $270,972 $5,532 3.31%
    38% 828 $214,830,000 $259,457 $5,471 3.31%
    36% 792 $207,060,000 $261,439 $5,338 3.27%
    37% 789 $205,615,000 $260,602 $5,116 3.31%
    45% 749 $203,605,000 $271,836 $5,802 3.33%
    49% 716 $189,110,000 $264,120 $6,470 3.34%
    50-60% 712 $175,210,000 $246,081 $8,332 3.38%
    48% 561 $148,045,000 $263,895 $6,282 3.34%
    46% 532 $147,750,000 $277,726 $6,306 3.31%
    47% 507 $137,725,000 $271,647 $6,079 3.28%
    >60% 4 $1,330,000 $332,500 $8,850 3.41%

    Bank Of England lent most frequently to those with DTI ratios of 20-30%, with 4,894 originations. The next most common DTI ratio? 30-36%, with 4,192 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 19,143 $4,905,985,000 $256,281 $5,048 3.25%
    Asian 1,352 $483,290,000 $357,463 $7,088 3.25%
    Not provided 1,418 $388,750,000 $274,154 $5,463 3.23%
    Black 1,534 $367,370,000 $239,485 $6,242 3.35%
    American Indian 110 $27,920,000 $253,818 $6,039 3.23%
    Native Hawaiian 44 $11,920,000 $270,909 $6,432 3.21%
    Not applicable 5 $3,305,000 $661,000 $0 5.45%
    Chinese 2 $640,000 $320,000 $7,071 2.81%
    Filipino 1 $285,000 $285,000 $10,636 4.00%
    Guamanian 1 $235,000 $235,000 $3,831 3.38%

    Approval Rates

    Total approvals of all applications
    97.08%

    Bank Of England 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
    63.92%

    Bank Of England has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 23,610 $6,189,700,000 $262,164

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $45,000 $45,000
    Multifamily:Site-Built 4 $470,000 $117,500
    Single Family (1-4 Units):Manufactured 10 $1,220,000 $122,000
    Single Family (1-4 Units):Site-Built 23,595 $6,187,965,000 $262,257

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 530 $114,570,000 $216,170 $4,156 3.04%
    40-60% 2,328 $630,410,000 $270,795 $4,375 3.08%
    60-80% 7,711 $2,212,865,000 $286,975 $4,723 3.28%
    80-100% 12,596 $3,104,970,000 $246,504 $5,607 3.29%
    Over 100% 410 $120,060,000 $292,829 $10,847 3.08%
    Under 20% 32 $6,010,000 $187,813 $4,250 3.55%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of England 100 Stuttgart Highway England, AR 72046 Full Service B&M $9,778
    Bank of England 101 Park Street Carlisle, AR 72024 Full Service B&M $22,840
    Bank of England 11044 Hwy 165 North Little Rock, AR 72117 Full Service B&M $16,801
    Bank of England 1109 North Center Street Lonoke, AR 72086 Full Service B&M $63,812
    Bank of England 123 South Main Street England, AR 72046 Full Service B&M $244,070
    Bank of England 1320 Rebsamen Park Road Little Rock, AR 72202 Full Service B&M $21,931

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $15,175
    Net interest income $10,989
    Total noninterest income $312,186
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $404
    Trading account gains and fees $0
    Additional Noninterest Income $311,782
    Pre-tax net operating income $67,031
    Securities gains (or losses, -) $19
    Income before extraordinary items $49,539
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $49,539
    Minority interest net income $0
    Net income $49,539
    Sale, conversion, retirement of capital stock, net $-7,051
    Net operating income $49,523

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,186
    Provision for credit losses $416
    Total noninterest expense $255,728
    Salaries and employee benefits $218,715
    Premises and equipment expense $14,558
    Additional noninterest expense $22,455
    Applicable income taxes $17,511
    Net charge-offs $790
    Cash dividends $25,000

    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 $453,138
    Deposits held in domestic offices $453,138
    Deposits by Individuals, partnerships, and corporations $399,459
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $44,927
    Deposits by Commercial banks and other depository institutions in U.S. $8,752
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $197,991
    Demand deposits $144,011
    Nontransaction accounts $255,147
    Money market deposit accounts (MMDAs) $77,535
    Other savings deposits (excluding MMDAs) $23,679
    Total time deposits $153,933
    Total time and savings deposits $309,127
    Noninterest-bearing deposits $144,011
    Interest-bearing deposits $309,127
    Retail deposits $388,729
    IRAs and Keogh plan accounts $9,222
    Brokered deposits $77,403
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $592,196
    Cash & Balances due from depository institutions $83,508
    Interest-bearing balances $78,926
    Total securities $44,730
    Federal funds sold & reverse repurchase $0
    Net loans and leases $398,325
    Loan and leases loss allowance $2,766
    Trading account assets $0
    Bank premises and fixed assets $7,029
    Other real estate owned $636
    Goodwill and other intangibles $34,143
    All other assets $23,825

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $592,196
    Total Liabilities $515,208
    Total deposits $453,138
    Interest-bearing deposits $309,127
    Deposits held in domestic offices $453,138
    % insured (estimated) $48
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $27,500
    Subordinated debt $0
    All other liabilities $34,570

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $398,325
    Loan and leases loss allowance $2,766
    Total loans and leases (domestic) $401,091
    All real estate loans $347,291
    Real estate loans in domestic offices $347,291
    Construction and development loans $7,846
    Residential 1-4 family construction $3,439
    Other construction, all land development and other land $4,407
    Loans secured by nonfarm nonresidential properties $23,019
    Nonfarm nonresidential secured by owner-occupied properties $1,258
    Commercial real estate & other non-farm, non-residential $21,761
    Multifamily residential real estate $985
    1-4 family residential loans $299,802
    Farmland loans $15,639
    Loans held in foreign offices $0
    Farm loans $20,971
    Commercial and industrial loans $29,315
    To non-U.S. addressees $0
    Loans to individuals $3,570
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $572
    Other loans to individuals $2,998
    All other loans & leases $88
    Loans to foreign governments and official institutions $0
    Other loans $88
    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 $2,164
    Non 1-4 family restructured loans & leases $598
    Total loans and leases (foreign) $0

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 67 $11,181 $166,881
    Nonfarm, nonresidential loans - <$100k 24 $829 $34,542
    Nonfarm, nonresidential loans - $100-250k 23 $2,797 $121,609
    Nonfarm, nonresidential loans - $250k-1MM 20 $7,555 $377,750
    Commercial & Industrial, US addressed loans - <$1MM 296 $12,893 $43,557
    Commercial & Industrial, US addressed loans - <$100k 246 $4,580 $18,618
    Commercial & Industrial, US addressed loans - $100-250k 36 $4,185 $116,250
    Commercial & Industrial, US addressed loans - $250k-1MM 14 $4,128 $294,857
    Farmland loans - <$1MM 52 $3,880 $74,615
    Farmland loans - <$100k 31 $843 $27,194
    Farmland loans - $100-250k 16 $1,695 $105,938
    Farmland loans - $250k-1MM 5 $1,342 $268,400
    Agriculture operations loans - <$1MM 113 $6,797 $60,150
    Agriculture operations loans - <$100k 80 $2,245 $28,063
    Agriculture operations loans - $100-250k 17 $1,370 $80,588
    Agriculture operations loans - $250k-1MM 16 $3,182 $198,875