Union Savings Bank Mortgage Rates, Fees & Info

Cincinnati, OH

LEI: 549300HFBEONQN2CK447

Tax ID: 31-0473290

2020 Data | 2019 Data | 2018 Data


Overview

Union Savings Bank is a mid-sized bank specializing in Refi and Home Purchase loans. Union Savings 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 Cincinnati, Columbus, Indianapolis, Dayton, and Pittsburgh 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. Union Savings Bank is typically a low fee lendor.


Originations

28,862

Origination Dollar Volume (All Markets)

$6,047,570,000

Employee count

570

Awards

2020 Union Savings Bank Low Fee Award
Details

Relative Rate

Union Savings Bank's average 30 year fixed rate mortgage was 3.26%.

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

This yields a difference of -0.1%.

Relative Fees

Union Savings Bank's average total fees for a 30 year fixed rate mortgage are $1,633.

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 27,236 $5,703,460,000 $209,409 $968 3.16%
FHA 865 $147,505,000 $170,526 $5,617 3.01%
VA 685 $186,115,000 $271,701 $3,057 2.66%
USDA 76 $10,490,000 $138,026 $3,998 2.91%

For the 2020 period, Union Savings Bank's most frequently originated loan type was Conventional, with 27,236 originations. Their 2nd most popular type is FHA, with 865 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 16,987 $3,490,845,000 $205,501 $639 3.06%
Home Purchase 5,523 $1,383,405,000 $250,481 $2,462 3.22%
Cash Out Refi 5,364 $1,076,540,000 $200,697 $1,649 3.16%
Other 521 $63,155,000 $121,219 $2,126 4.20%
Home Improvement 467 $33,625,000 $72,002 $624 3.64%

For the 2020, Union Savings Bank's most frequently cited loan purpose was Refi, with 16,987 originations. The 2nd most popular reason was Home Purchase, with 5,523 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 14,645 $3,399,565,000 $232,131 $1,633 3.26%
15 Year 7,973 $1,433,415,000 $179,784 $658 2.87%
20 Year 3,328 $704,820,000 $211,785 $789 3.07%
Other 1,433 $363,965,000 $253,988 $713 3.15%
10 Year 1,376 $144,710,000 $105,167 $547 3.74%
5 Year 106 $560,000 $5,283 $4 2.02%
30+ year 1 $535,000 $535,000 $6,653 3.25%

For the 2020, Union Savings Bank's most frequently cited loan length was 30 Year, with 14,645 originations. The 2nd most popular length was 15 Year, with 7,973 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 21,180 $4,230,490,000 $199,740
$1k-2k 3,798 $892,170,000 $234,905
$2k-3k 1,320 $330,050,000 $250,038
$3k-4k 757 $227,595,000 $300,654
$5k+ 234 $123,650,000 $528,419

$1,633 was Union Savings Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 21,180 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
CINCINNATI, OH-KY-IN 10,075 $2,185,535,000 $216,927 $1,143 3.18%
COLUMBUS, OH 6,108 $1,367,730,000 $223,924 $1,202 3.14%
INDIANAPOLIS-CARMEL-ANDERSON, IN 4,561 $935,605,000 $205,132 $872 3.09%
DAYTON-KETTERING, OH 4,332 $789,170,000 $182,172 $1,156 3.14%
PITTSBURGH, PA 687 $153,455,000 $223,370 $2,318 3.04%
FORT WAYNE, IN 962 $152,460,000 $158,482 $1,014 3.14%
Outside of Metro Areas 881 $149,045,000 $169,177 $1,438 3.13%
COLUMBUS, IN 349 $63,285,000 $181,332 $620 3.05%
CLEVELAND-ELYRIA, OH 111 $25,345,000 $228,333 $1,502 3.01%
ANAHEIM-SANTA ANA-IRVINE, CA 23 $24,705,000 $1,074,130 $9,116 3.76%
SPRINGFIELD, OH 140 $23,610,000 $168,643 $1,414 3.08%
BLOOMINGTON, IN 117 $22,835,000 $195,171 $950 3.08%
LOS ANGELES-LONG BEACH-GLENDALE, CA 16 $19,060,000 $1,191,250 $17,072 3.98%
LEXINGTON-FAYETTE, KY 95 $18,815,000 $198,053 $2,072 3.24%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 37 $10,465,000 $282,838 $1,598 3.19%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 9 $9,955,000 $1,106,111 $7,728 3.86%
NORTH PORT-SARASOTA-BRADENTON, FL 16 $6,590,000 $411,875 $2,747 3.28%
KNOXVILLE, TN 20 $6,250,000 $312,500 $2,937 3.17%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 9 $5,175,000 $575,000 $10,203 3.42%
ORLANDO-KISSIMMEE-SANFORD, FL 11 $4,345,000 $395,000 $3,026 3.07%
TOLEDO, OH 25 $4,005,000 $160,200 $1,133 3.07%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 2 $3,940,000 $1,970,000 $9,766 3.13%
LAFAYETTE-WEST LAFAYETTE, IN 25 $3,885,000 $155,400 $636 3.18%
AKRON, OH 19 $3,645,000 $191,842 $698 3.05%
CAPE CORAL-FORT MYERS, FL 12 $3,550,000 $295,833 $2,937 3.23%
MANSFIELD, OH 12 $2,710,000 $225,833 $1,770 2.97%
NAPLES-MARCO ISLAND, FL 8 $2,690,000 $336,250 $3,033 3.33%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 17 $2,395,000 $140,882 $3,272 2.91%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 9 $2,275,000 $252,778 $1,751 3.19%
KOKOMO, IN 15 $1,955,000 $130,333 $1,039 3.13%
PHOENIX-MESA-CHANDLER, AZ 5 $1,745,000 $349,000 $4,558 3.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 4 $1,740,000 $435,000 $12,966 3.25%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 6 $1,710,000 $285,000 $1,425 3.04%
SANTA ROSA-PETALUMA, CA 3 $1,315,000 $438,333 $2,973 3.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 2 $1,270,000 $635,000 $3,635 3.50%
RICHMOND, VA 4 $1,250,000 $312,500 $2,563 3.00%
WARREN-TROY-FARMINGTON HILLS, MI 5 $1,135,000 $227,000 $2,797 2.85%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 2 $1,060,000 $530,000 $1,718 2.94%
GREENVILLE-ANDERSON, SC 4 $1,040,000 $260,000 $1,716 3.06%
JACKSONVILLE, FL 4 $1,030,000 $257,500 $1,970 3.00%
MEMPHIS, TN-MS-AR 2 $1,010,000 $505,000 $6,031 3.25%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 3 $985,000 $328,333 $2,304 3.04%
CHICAGO-NAPERVILLE-EVANSTON, IL 4 $960,000 $240,000 $1,283 2.88%
ELKHART-GOSHEN, IN 6 $940,000 $156,667 $1,315 3.06%
PALM BAY-MELBOURNE-TITUSVILLE, FL 4 $930,000 $232,500 $2,887 3.19%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 1 $925,000 $925,000 $13,173 3.88%
HILTON HEAD ISLAND-BLUFFTON, SC 3 $895,000 $298,333 $2,020 3.04%
GARY, IN 7 $885,000 $126,429 $556 3.29%
EVANSVILLE, IN-KY 5 $835,000 $167,000 $562 3.00%
TERRE HAUTE, IN 4 $800,000 $200,000 $2,241 3.00%
PUNTA GORDA, FL 4 $760,000 $190,000 $4,012 3.19%
BOSTON, MA 1 $735,000 $735,000 $0 4.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 2 $700,000 $350,000 $8,915 3.19%
DETROIT-DEARBORN-LIVONIA, MI 2 $700,000 $350,000 $794 2.81%
MUNCIE, IN 4 $690,000 $172,500 $1,429 3.34%
CANTON-MASSILLON, OH 3 $685,000 $228,333 $1,999 3.21%
WENATCHEE, WA 1 $665,000 $665,000 $2,941 2.75%
LIMA, OH 3 $645,000 $215,000 $3,232 3.25%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 2 $620,000 $310,000 $3,689 2.56%
BARNSTABLE TOWN, MA 1 $605,000 $605,000 $2,791 4.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 3 $605,000 $201,667 $2,669 3.29%
LAS VEGAS-HENDERSON-PARADISE, NV 3 $565,000 $188,333 $2,225 2.83%
PORT ST. LUCIE, FL 2 $550,000 $275,000 $1,245 3.19%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 2 $540,000 $270,000 $5,401 3.00%
CHARLESTON-NORTH CHARLESTON, SC 2 $530,000 $265,000 $1,900 3.25%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 1 $515,000 $515,000 $3,073 3.25%
VALLEJO, CA 1 $485,000 $485,000 $2,188 3.88%
HARRISBURG-CARLISLE, PA 1 $465,000 $465,000 $3,206 2.88%
SANTA MARIA-SANTA BARBARA, CA 1 $455,000 $455,000 $0 4.25%
DURHAM-CHAPEL HILL, NC 1 $455,000 $455,000 $2,261 2.38%
SALEM, OR 1 $445,000 $445,000 $3,442 2.75%
RALEIGH-CARY, NC 1 $435,000 $435,000 $2,176 2.38%
ASHEVILLE, NC 2 $400,000 $200,000 $6,800 3.38%
RENO, NV 1 $385,000 $385,000 $50 2.75%
PENSACOLA-FERRY PASS-BRENT, FL 1 $375,000 $375,000 $1,636 3.50%
SAN LUIS OBISPO-PASO ROBLES, CA 1 $355,000 $355,000 $1,966 3.25%
HICKORY-LENOIR-MORGANTON, NC 1 $345,000 $345,000 $665 2.75%
HAGERSTOWN-MARTINSBURG, MD-WV 1 $325,000 $325,000 $10,086 2.88%
ST. LOUIS, MO-IL 2 $320,000 $160,000 $1,701 3.13%
DALLAS-PLANO-IRVING, TX 1 $305,000 $305,000 $12,178 3.25%
ELGIN, IL 1 $295,000 $295,000 $8,971 3.38%
MORGANTOWN, WV 1 $285,000 $285,000 $7,773 4.25%
COLORADO SPRINGS, CO 1 $275,000 $275,000 $0 2.38%
MILWAUKEE-WAUKESHA, WI 1 $275,000 $275,000 $1,933 2.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 1 $275,000 $275,000 $702 2.25%
OCALA, FL 1 $245,000 $245,000 $2,587 3.25%
DENVER-AURORA-LAKEWOOD, CO 1 $225,000 $225,000 $2,093 2.75%
MIAMI-MIAMI BEACH-KENDALL, FL 1 $205,000 $205,000 $0 3.75%
ST. CLOUD, MN 1 $205,000 $205,000 $5,322 3.38%
COLUMBUS, GA-AL 1 $195,000 $195,000 $2,866 2.38%
COLUMBIA, SC 1 $185,000 $185,000 $2,702 3.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 1 $185,000 $185,000 $1,575 3.00%
LANCASTER, PA 1 $175,000 $175,000 $325 2.88%
MICHIGAN CITY-LA PORTE, IN 2 $170,000 $85,000 $385 3.00%
LAKELAND-WINTER HAVEN, FL 1 $165,000 $165,000 $2,683 3.50%
KANSAS CITY, MO-KS 1 $165,000 $165,000 $1,552 3.00%
THE VILLAGES, FL 1 $155,000 $155,000 $1,103 3.00%
WHEELING, WV-OH 1 $145,000 $145,000 $2,851 3.25%
BOWLING GREEN, KY 1 $145,000 $145,000 $4,724 2.25%
WARNER ROBINS, GA 1 $145,000 $145,000 $993 2.25%
WICHITA, KS 1 $135,000 $135,000 $0 2.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 1 $125,000 $125,000 $2,329 3.00%
PEORIA, IL 1 $125,000 $125,000 $1,883 2.75%
AUBURN-OPELIKA, AL 1 $125,000 $125,000 $1,640 3.38%
COLLEGE STATION-BRYAN, TX 1 $115,000 $115,000 $1,670 2.75%
GAINESVILLE, FL 1 $95,000 $95,000 $0 3.50%
SOUTH BEND-MISHAWAKA, IN-MI 1 $75,000 $75,000 $1,298 2.75%
GAINESVILLE, GA 1 $55,000 $55,000 $0 3.25%

Union Savings Bank's top markets include Cincinnati, Columbus, Indianapolis, Dayton, and Pittsburgh among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 14,065 $2,865,315,000 $203,720
3-4% 12,715 $2,804,735,000 $220,585
<2.5% 1,119 $247,265,000 $220,970
4-5% 819 $118,425,000 $144,597
5-6% 141 $11,625,000 $82,447
6-7% 3 $205,000 $68,333

During 2020, Union Savings Bank's average interest rate was 3.26%, while their most frequently originated rate bucket was 2.5-3%, with 14,065 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 12,028 $1,795,500,000 $149,277 $983 3.13%
$200k-400k 11,023 $3,002,295,000 $272,366 $1,336 3.11%
$100,000 or less 4,053 $286,445,000 $70,675 $686 3.28%
$400k-600k 1,558 $721,450,000 $463,062 $1,907 3.14%
$600k-1MM 152 $112,340,000 $739,079 $4,522 3.38%
$1MM+ 48 $129,540,000 $2,698,750 $14,228 3.78%

2020 saw Union Savings Bank place emphasis on $100k-200k loans with 12,028 originations, totaling $1,795,500,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 7,842 $1,719,320,000 $219,245 $1,129 3.14%
$150k-250k 5,533 $1,494,855,000 $270,171 $1,143 3.13%
$75k-100k 5,305 $958,735,000 $180,723 $1,103 3.16%
$50k-75k 5,173 $759,105,000 $146,744 $1,178 3.16%
$50k or less 2,651 $283,965,000 $107,116 $1,253 3.15%
$250k+ 1,715 $603,405,000 $351,840 $1,403 3.15%

Union Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 7,842 originations. The second most popular income band? $150k-250k, with 5,533 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 10,414 $2,175,580,000 $208,909 $1,027 3.15%
<20% 6,370 $1,215,290,000 $190,783 $746 3.09%
30-36% 5,273 $1,114,345,000 $211,330 $1,256 3.18%
36% 748 $163,920,000 $219,144 $1,376 3.18%
37% 707 $149,375,000 $211,280 $1,350 3.17%
38% 699 $144,965,000 $207,389 $1,536 3.19%
39% 669 $138,965,000 $207,720 $1,455 3.20%
40% 604 $124,630,000 $206,341 $1,602 3.21%
41% 520 $114,750,000 $220,673 $1,566 3.17%
42% 486 $106,440,000 $219,012 $1,823 3.22%
43% 416 $94,980,000 $228,317 $2,109 3.20%
44% 352 $77,340,000 $219,716 $1,901 3.15%
45% 239 $48,265,000 $201,946 $1,965 3.17%
46% 211 $42,425,000 $201,066 $1,936 3.11%
50-60% 181 $37,385,000 $206,547 $4,869 2.97%
47% 162 $39,300,000 $242,593 $2,488 3.22%
48% 104 $22,540,000 $216,731 $2,579 3.12%
49% 80 $15,720,000 $196,500 $2,271 3.13%
>60% 16 $2,620,000 $163,750 $902 3.27%

Union Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 10,414 originations. The next most common DTI ratio? <20%, with 6,370 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 24,977 $5,164,085,000 $206,754 $1,171 3.15%
Not provided 1,667 $417,495,000 $250,447 $1,190 3.12%
Asian 1,500 $337,510,000 $225,007 $991 3.04%
Black 618 $95,740,000 $154,919 $1,549 2.99%
Not applicable 11 $15,395,000 $1,399,545 $15,306 4.03%
American Indian 42 $7,250,000 $172,619 $1,194 3.14%
Native Hawaiian 23 $4,695,000 $204,130 $2,696 3.18%
Asian Indian 15 $3,845,000 $256,333 $1,041 2.98%
Other Asian 5 $905,000 $181,000 $288 3.10%
Chinese 4 $650,000 $162,500 $689 3.19%

Approval Rates

Total approvals of all applications
91.22%

Union Savings Bank has an average approval rate.

Pick Rate

Approvals leading to origination
88.06%

Union Savings Bank has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 28,862 $6,047,570,000 $209,534

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 39 $69,995,000 $1,794,744
Single Family (1-4 Units):Site-Built 28,823 $5,977,575,000 $207,389

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 2,410 $319,590,000 $132,610 $547 3.16%
40-60% 6,737 $1,251,955,000 $185,833 $665 3.04%
60-80% 13,613 $3,199,535,000 $235,035 $1,086 3.15%
80-100% 5,183 $1,200,865,000 $231,693 $2,260 3.17%
Over 100% 95 $26,515,000 $279,105 $8,053 2.80%
Under 20% 823 $49,105,000 $59,666 $261 3.70%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Union Savings Bank 1330 Morse Road Columbus, OH 43229 Full Service B&M $58,650
Union Savings Bank 44 S. State St. Westerville, OH 43081 Full Service B&M $73,103
Union Savings Bank 1320 Brice Road Reynoldsburg, OH 43068 Full Service B&M $124,304
Union Savings Bank 14 S Weston Rd Troy, OH 45373 Full Service B&M $36,131
Union Savings Bank 4090 Hoover Rd. Grove City, OH 43123 Full Service B&M $69,982
Union Savings Bank 1160 Kemper Meadow Dr Cincinnati, OH 45240 Full Service Retail $3,164
Union Savings Bank 100 E Market Street Xenia, OH 45385 Full Service B&M $7,596
Union Savings Bank 1040 E Second St Franklin, OH 45005 Full Service B&M $53,224
Union Savings Bank 510 West Loveland Avenue Loveland, OH 45140 Full Service B&M $80,334
Union Savings Bank 525 West National Road Englewood, OH 45322 Full Service B&M $121,984
Union Savings Bank 5556 William Flynn Hwy Gibsonia, PA 15044 Full Service B&M $53,896
Union Savings Bank 5651 Far Hills Avenue Dayton, OH 45429 Full Service B&M $148,933
Union Savings Bank 5881 E. 82nd St Indianapolis, IN 46250 Full Service B&M $95,153
Union Savings Bank 6393 Glenway Ave. Western Hills, OH 45211 Full Service B&M $119,825
Union Savings Bank 6701 Hamilton Ave. Cincinnati, OH 45224 Full Service B&M $63,815
Union Savings Bank 721 Wessel Dr. Fairfield, OH 45014 Full Service B&M $60,574
Union Savings Bank 7435 Kenwood Road Cincinnati, OH 45236 Full Service B&M $27,180
Union Savings Bank 7615 Voice Of America Center Drive West Chester, OH 45069 Full Service B&M $44,143
Union Savings Bank 8320 Plainfield Road Cincinnati, OH 45236 Full Service B&M $79,731
Union Savings Bank 843 Eastgate S. Dr Cincinnati, OH 45245 Full Service B&M $59,235
Union Savings Bank 8534 East Kemper Road Cincinnati, OH 45249 Full Service B&M $586,227
Union Savings Bank 91 Byrd Way Greenwood, IN 46143 Full Service B&M $19,191
Union Savings Bank 1225 Main Street Hamilton, OH 45013 Full Service B&M $103,719
Union Savings Bank 1499 W Dupont Road Fort Wayne, IN 46825 Full Service B&M $71,451
Union Savings Bank 1614 Washington Road Pittsburgh, PA 15241 Full Service B&M $82,585
Union Savings Bank 1654 East Main Street Lancaster, OH 43130 Full Service B&M $88,358
Union Savings Bank 20 Prestige Plaza Drive Miamisburg, OH 45342 Full Service B&M $9,136
Union Savings Bank 2137 Beechmont Avenue Cincinnati, OH 45230 Full Service B&M $82,902
Union Savings Bank 2237 South Curry Pike Bloomington, IN 47403 Full Service B&M $54,159
Union Savings Bank 2655 Central Avenue Columbus, IN 47201 Full Service B&M $35,580
Union Savings Bank 2691 Madison Rd. Cincinnati, OH 45208 Full Service B&M $67,434
Union Savings Bank 2794 Colonel Glenn Hwy. Fairborn, OH 45324 Full Service B&M $56,348
Union Savings Bank 3030 Woodman Drive Kettering, OH 45420 Full Service B&M $96,663
Union Savings Bank 3250 Northwest Blvd. Upper Arlington, OH 43221 Full Service B&M $62,757
Union Savings Bank 3550 W. Dublin Granville Columbus, OH 43235 Full Service B&M $90,004

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $112,486
Net interest income $77,045
Total noninterest income $141,922
Gross Fiduciary activities income $0
Service charges on deposit accounts $346
Trading account gains and fees $0
Additional Noninterest Income $141,576
Pre-tax net operating income $137,040
Securities gains (or losses, -) $92
Income before extraordinary items $137,132
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $137,132
Minority interest net income $0
Net income $137,132
Sale, conversion, retirement of capital stock, net $0
Net operating income $137,040

Bank Expenses

Item Value (in 000's)
Total interest expense $35,441
Provision for credit losses $270
Total noninterest expense $81,657
Salaries and employee benefits $50,275
Premises and equipment expense $18,847
Additional noninterest expense $12,535
Applicable income taxes $0
Net charge-offs $-672
Cash dividends $108,951

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 $3,037,073
Deposits held in domestic offices $3,037,073
Deposits by Individuals, partnerships, and corporations $3,037,073
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $0
Deposits by Commercial banks and other depository institutions in U.S. $0
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,016,719
Demand deposits $404,936
Nontransaction accounts $2,020,354
Money market deposit accounts (MMDAs) $0
Other savings deposits (excluding MMDAs) $460,239
Total time deposits $1,560,114
Total time and savings deposits $2,632,137
Noninterest-bearing deposits $446,931
Interest-bearing deposits $2,590,142
Retail deposits $2,743,928
IRAs and Keogh plan accounts $136,875
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $3,480,903
Cash & Balances due from depository institutions $825,094
Interest-bearing balances $809,608
Total securities $5,614
Federal funds sold & reverse repurchase $5,620
Net loans and leases $2,406,859
Loan and leases loss allowance $29,966
Trading account assets $0
Bank premises and fixed assets $52,081
Other real estate owned $101
Goodwill and other intangibles $80,600
All other assets $104,934

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $3,480,903
Total Liabilities $3,126,282
Total deposits $3,037,073
Interest-bearing deposits $2,590,142
Deposits held in domestic offices $3,037,073
% insured (estimated) $82
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $89,209

Issued Loan Types

Type Value (in 000's)
Net loans and leases $2,406,859
Loan and leases loss allowance $29,966
Total loans and leases (domestic) $2,436,825
All real estate loans $2,413,914
Real estate loans in domestic offices $2,413,914
Construction and development loans $152,948
Residential 1-4 family construction $78,713
Other construction, all land development and other land $74,235
Loans secured by nonfarm nonresidential properties $150,572
Nonfarm nonresidential secured by owner-occupied properties $0
Commercial real estate & other non-farm, non-residential $150,572
Multifamily residential real estate $150,252
1-4 family residential loans $1,959,902
Farmland loans $240
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $10,320
To non-U.S. addressees $0
Loans to individuals $12,591
Credit card loans $0
Related Plans $25
Consumer Auto Loans $0
Other loans to individuals $12,566
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 $8,006
Non 1-4 family restructured loans & leases $3,578
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 213 $48,315 $226,831
Nonfarm, nonresidential loans - <$100k 34 $1,633 $48,029
Nonfarm, nonresidential loans - $100-250k 77 $9,351 $121,442
Nonfarm, nonresidential loans - $250k-1MM 102 $37,331 $365,990
Commercial & Industrial, US addressed loans - <$1MM 1 $468 $468,000
Commercial & Industrial, US addressed loans - $250k-1MM 1 $468 $468,000
Farmland loans - <$1MM 3 $240 $80,000
Farmland loans - $100-250k 2 $169 $84,500
Farmland loans - $250k-1MM 1 $71 $71,000