The Washington Trust Company Of Westerly Mortgage Rates, Fees & Info

Westerly, RI

LEI: 549300HKYBSATM44Q425

Tax ID: 05-0235370

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

    The Washington Trust Company Of Westerly is a smaller mortgage company specializing in Refi and Home Purchase loans. The Washington Trust Company Of Westerly 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.) Their top markets by origination volume include: Providence, Boston, Norwich, Bridgeport, and Hartford among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Washington Trust Company Of Westerly has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Washington Trust Company Of Westerly 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/21/24
    30 Year Conventional Purchase 6.29% 4/21/24
    30 Year Conventional Refi 6.43% 4/21/24
    30 Year Cash-out Refi 6.53% 4/21/24
    30 Year FHA Purchase 6.89% 4/21/24
    30 Year FHA Refi 6.27% 4/21/24
    30 Year VA Purchase 6.01% 4/21/24
    30 Year VA Refi 5.81% 4/21/24
    15 Year Conventional Purchase 6.83% 4/21/24
    15 Year Conventional Refi 6.16% 4/21/24
    15 Year Cash-out Refi 6.16% 4/21/24
    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.

    The Washington Trust Company Of Westerly Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from The Washington Trust Company Of Westerly. 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

    2,442

    Origination Dollar Volume (All Markets)

    $725,730,000

    Employee count

    623 Show all (7) 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
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1,945 $560,525,000 $288,188 $3,368 2.95%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 251 $79,275,000 $315,837 $2,801 3.29%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 96 $42,920,000 $447,083 $3,212 2.93%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 29 $17,665,000 $609,138 $4,320 3.27%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 52 $8,430,000 $162,115 $2,162 3.41%
    WORCESTER, MA-CT (FHA|USDA|VA) 27 $5,705,000 $211,296 $3,475 3.18%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 12 $2,450,000 $204,167 $2,777 3.61%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 8 $2,260,000 $282,500 $6,917 2.81%
    Outside of Metro Areas 5 $1,965,000 $393,000 $4,341 3.13%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 4.13%
    SPRINGFIELD, MA (FHA|USDA|VA) 5 $1,005,000 $201,000 $2,702 3.47%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 5 $875,000 $175,000 $888 3.80%
    Torrington, CT (FHA|USDA|VA) 2 $590,000 $295,000 $6,438 3.19%
    Lebanon, NH-VT (FHA|USDA|VA) 2 $320,000 $160,000 $3,007 2.75%
    Berlin, NH (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.75%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.40%
    The Washington Trust Company Of Westerly's top markets include Providence, Boston, Norwich, Bridgeport, and Hartford among others.

    Their top states include:
  • Rhode Island (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)

    • Similar Lenders

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

    SOMERSET
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    Similarity Rank: 156
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    AMERICAN EAGLE FINANCIAL CREDIT UNION
    Similarity Rank: 470
    LUSO-AMERICAN CREDIT UNION
    Similarity Rank: 474
    CorePlus Federal Credit Union
    Similarity Rank: 520
    Rhode Island Credit Union
    Similarity Rank: 524

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,617 $563,665,000 $348,587 $3,101 3.09%
    HELOC 767 $142,015,000 $185,156 n/a 2.85%
    FHA 46 $15,900,000 $345,652 $9,578 2.58%
    VA 12 $4,150,000 $345,833 $7,156 2.51%

    For 2021, The Washington Trust Company Of Westerly's most frequently originated type of loan was Conventional, with 1,617 originations. Their 2nd most popular type was HELOC, with 767 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 812 $237,420,000 $292,389 $3,058 2.82%
    Home Purchase 693 $280,915,000 $405,361 $3,620 3.21%
    Cash Out Refi 405 $124,865,000 $308,309 $3,405 3.07%
    Home Improvement 319 $42,665,000 $133,746 $1,896 2.93%
    Other 213 $39,865,000 $187,160 $2,541 2.97%

    For 2021, The Washington Trust Company Of Westerly's most frequently cited loan purpose was Refi, with 812 originations. The 2nd most popular reason was Home Purchase, with 693 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,142 $385,180,000 $337,285 $3,573 3.09%
    Other 820 $198,160,000 $241,659 $3,127 2.87%
    15 Year 259 $53,345,000 $205,965 $2,355 3.08%
    20 Year 132 $35,690,000 $270,379 $2,969 2.85%
    10 Year 54 $26,990,000 $499,815 $2,205 2.99%
    30+ year 30 $24,210,000 $807,000 $6,298 3.43%
    5 Year 5 $2,155,000 $431,000 $0 3.74%

    For 2021, The Washington Trust Company Of Westerly's most frequently cited loan duration was 30 Year, with 1,142 originations. The 2nd most popular length was Other, with 820 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,334 $438,200,000 $328,486
    $<1k 203 $33,595,000 $165,493
    $2k-3k 32 $11,470,000 $358,438
    $3k-4k 13 $5,565,000 $428,077
    $5k+ 7 $3,885,000 $555,000
    $4k-5k 5 $2,515,000 $503,000

    The Washington Trust Company Of Westerly's average total fees were $3,573, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,334 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 879 $298,675,000 $339,790
    3-4% 765 $246,685,000 $322,464
    <2.5% 638 $155,830,000 $244,248
    4-5% 152 $23,870,000 $157,039
    5-6% 5 $385,000 $77,000
    7-8% 2 $160,000 $80,000
    6-7% 1 $125,000 $125,000

    During 2021, The Washington Trust Company Of Westerly's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 2.5-3%, with 879 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 975 $270,315,000 $277,246 $3,407 2.94%
    $100k-200k 638 $93,420,000 $146,426 $2,524 2.97%
    $100,000 or less 377 $21,815,000 $57,865 $933 3.29%
    $400k-600k 292 $139,260,000 $476,918 $4,190 2.92%
    $600k-1MM 116 $83,700,000 $721,552 $5,319 2.93%
    $1MM+ 44 $117,220,000 $2,664,091 $7,258 3.04%

    2021 saw The Washington Trust Company Of Westerly place emphasis on $200k-400k loans with 975 originations, totaling $270,315,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 529 $124,635,000 $235,605 $3,407 2.95%
    $150k-250k 518 $152,210,000 $293,842 $3,174 3.02%
    $250k+ 421 $192,575,000 $457,423 $3,685 3.14%
    $75k-100k 403 $88,405,000 $219,367 $3,479 2.94%
    $50k-75k 373 $68,105,000 $182,587 $3,098 2.99%
    $50k or less 109 $14,955,000 $137,202 $2,826 2.99%

    The Washington Trust Company Of Westerly lent most frequently to those with incomes in the $100k-150k range, with 529 originations. The second most popular income band? $150k-250k, with 518 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 669 $181,415,000 $271,173 $3,103 2.98%
    30-36% 520 $134,060,000 $257,808 $3,425 3.07%
    <20% 237 $67,435,000 $284,536 $3,092 2.87%
    42% 135 $32,205,000 $238,556 $3,168 3.00%
    36% 108 $27,860,000 $257,963 $3,051 3.06%
    38% 97 $29,565,000 $304,794 $3,646 2.96%
    37% 93 $27,335,000 $293,925 $3,351 2.99%
    41% 91 $24,685,000 $271,264 $3,076 3.04%
    40% 85 $23,685,000 $278,647 $3,867 2.95%
    39% 75 $20,595,000 $274,600 $3,460 2.96%
    43% 64 $16,810,000 $262,656 $3,100 3.07%
    44% 59 $15,495,000 $262,627 $3,311 3.05%
    45% 46 $12,930,000 $281,087 $3,599 3.04%
    46% 41 $13,955,000 $340,366 $3,766 3.08%
    47% 37 $9,955,000 $269,054 $3,635 2.90%
    49% 26 $7,010,000 $269,615 $3,463 3.15%
    48% 20 $6,170,000 $308,500 $4,032 3.04%
    50-60% 14 $4,130,000 $295,000 $5,026 2.97%
    >60% 7 $1,305,000 $186,429 $4,771 2.78%

    The Washington Trust Company Of Westerly lent most frequently to those with DTI ratios of 20-30%, with 669 originations. The next most common DTI ratio? 30-36%, with 520 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,007 $544,165,000 $271,134 $3,289 2.97%
    Not provided 311 $82,195,000 $264,293 $3,289 3.10%
    Not applicable 13 $67,435,000 $5,187,308 $0 3.64%
    Asian 64 $19,450,000 $303,906 $3,270 3.24%
    Black 32 $7,280,000 $227,500 $4,790 3.28%
    American Indian 7 $2,035,000 $290,714 $4,648 2.80%
    Asian Indian 3 $1,485,000 $495,000 $3,610 2.87%
    Other Asian 2 $710,000 $355,000 $3,743 3.00%
    Korean 1 $505,000 $505,000 $0 2.40%
    Native Hawaiian or Islander 1 $365,000 $365,000 $3,736 2.88%
    Other Pacific Islander 1 $105,000 $105,000 $2,930 3.25%

    Approval Rates

    Total approvals of all applications
    93.42%

    The Washington Trust Company Of Westerly has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.23%

    The Washington Trust Company Of Westerly has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,442 $725,730,000 $297,187

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,442 $725,730,000 $297,187

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 409 $106,815,000 $261,161 $3,063 2.79%
    40-60% 555 $163,575,000 $294,730 $3,154 2.87%
    60-80% 675 $291,815,000 $432,319 $3,490 3.03%
    80-100% 321 $117,315,000 $365,467 $4,532 2.95%
    Under 20% 482 $46,210,000 $95,871 $680 3.33%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Washington Trust Company, of Westerly 10 Weybosset St Providence, RI 2903 Limited, Trust Office $0
    The Washington Trust Company, of Westerly 106 Main Street Westerly, RI 2891 Full Service Retail $25,406
    The Washington Trust Company, of Westerly 1200 Main Street Wyoming, RI 2898 Full Service B&M $188,465
    The Washington Trust Company, of Westerly 1203 Oaklawn Avenue Cranston, RI 2920 Full Service B&M $150,119
    The Washington Trust Company, of Westerly 126 Franklin Street Westerly, RI 2891 Full Service B&M $307,589
    The Washington Trust Company, of Westerly 1383 Atwood Avenue Johnston, RI 2919 Full Service B&M $75,333
    The Washington Trust Company, of Westerly 14 Clara Drive Mystic, CT 6355 Full Service Retail $72,305
    The Washington Trust Company, of Westerly 1473 Warwick Avenue Warwick, RI 2888 Full Service B&M $101,573
    The Washington Trust Company, of Westerly 156 Westminster Street Providence, RI 2903 Full Service B&M $352,665
    The Washington Trust Company, of Westerly 1588 Mineral Spring Avenue North Providence, RI 2904 Full Service B&M $30,320
    The Washington Trust Company, of Westerly 20 Point Judith Road Narragansett, RI 2882 Full Service B&M $353,794
    The Washington Trust Company, of Westerly 2174 Plainfield Pike Cranston, RI 2921 Full Service B&M $57,516
    The Washington Trust Company, of Westerly 229 Waterman Street Providence, RI 2906 Full Service B&M $40,955
    The Washington Trust Company, of Westerly 23 Broad St Westerly, RI 2891 Full Service B&M $1,665,189
    The Washington Trust Company, of Westerly 236 Centerville Road (Rt. 117) Warwick, RI 2886 Full Service B&M $269,850
    The Washington Trust Company, of Westerly 330 Newport Avenue Rumford, RI 2916 Full Service B&M $26,295
    The Washington Trust Company, of Westerly 4137 Old Post Road Charlestown, RI 2813 Full Service B&M $204,735
    The Washington Trust Company, of Westerly 587 Taunton Avenue East Providence, RI 2914 Full Service B&M $110,948
    The Washington Trust Company, of Westerly 645 Reservoir Avenue Cranston, RI 2910 Full Service B&M $143,519
    The Washington Trust Company, of Westerly 695 Main Street East Greenwich, RI 2818 Full Service B&M $3,783
    The Washington Trust Company, of Westerly 730 Kingstown Road Wakefield, RI 2879 Full Service B&M $140,642
    The Washington Trust Company, of Westerly 732 Tiogue Avenue Coventry, RI 2816 Full Service B&M $24,469
    The Washington Trust Company, of Westerly 7625 Post Road North Kingstown, RI 2852 Full Service B&M $212,937
    The Washington Trust Company, of Westerly 885 Boston Neck Road Narragansett, RI 2882 Full Service B&M $101,373
    The Washington Trust Company, of Westerly Ocean Avenue And Corn Neck Road Block Island, RI 2807 Full Service B&M $70,225

    For 2021, The Washington Trust Company Of Westerly had 25 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $175,415
    Net interest income $141,806
    Total noninterest income $87,455
    Gross Fiduciary activities income $33,084
    Service charges on deposit accounts $2,635
    Trading account gains and fees $4,342
    Additional Noninterest Income $47,394
    Pre-tax net operating income $99,339
    Securities gains (or losses, -) $0
    Income before extraordinary items $77,777
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $77,777
    Minority interest net income $0
    Net income $77,777
    Sale, conversion, retirement of capital stock, net $3,316
    Net operating income $77,777

    The Washington Trust Company Of Westerly's gross interest income from loans was $175,415,000.
    The Washington Trust Company Of Westerly's net interest income from loans was $141,806,000.
    The Washington Trust Company Of Westerly's fee based income from loans was $2,635,000.
    The Washington Trust Company Of Westerly's net income from loans was $77,777,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $33,609
    Provision for credit losses $-4,822
    Total noninterest expense $134,744
    Salaries and employee benefits $87,431
    Premises and equipment expense $11,097
    Additional noninterest expense $36,216
    Applicable income taxes $21,562
    Net charge-offs $417
    Cash dividends $45,732

    The Washington Trust Company Of Westerly's interest expense for loans was $33,609,000.
    The Washington Trust Company Of Westerly's payroll and benefits expense were $87,431,000.
    The Washington Trust Company Of Westerly's property, plant and equipment expenses $11,097,000.

    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 $4,988,672
    Deposits held in domestic offices $4,988,672
    Deposits by Individuals, partnerships, and corporations $4,656,126
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $325,557
    Deposits by Commercial banks and other depository institutions in U.S. $6,989
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $717,977
    Demand deposits $444,089
    Nontransaction accounts $4,270,695
    Money market deposit accounts (MMDAs) $1,072,864
    Other savings deposits (excluding MMDAs) $1,909,220
    Total time deposits $1,288,611
    Total time and savings deposits $4,544,583
    Noninterest-bearing deposits $953,675
    Interest-bearing deposits $4,034,997
    Retail deposits $4,299,158
    IRAs and Keogh plan accounts $149,656
    Brokered deposits $515,228
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,850,018
    Cash & Balances due from depository institutions $175,380
    Interest-bearing balances $128,274
    Total securities $1,046,093
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,274,289
    Loan and leases loss allowance $39,088
    Trading account assets $32,377
    Bank premises and fixed assets $55,007
    Other real estate owned $0
    Goodwill and other intangibles $79,145
    All other assets $187,727

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,850,018
    Total Liabilities $5,276,261
    Total deposits $4,988,672
    Interest-bearing deposits $4,034,997
    Deposits held in domestic offices $4,988,672
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $32,509
    Other borrowed funds $145,000
    Subordinated debt $0
    All other liabilities $110,080

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,274,289
    Loan and leases loss allowance $39,088
    Total loans and leases (domestic) $4,313,377
    All real estate loans $3,941,584
    Real estate loans in domestic offices $3,941,584
    Construction and development loans $156,477
    Residential 1-4 family construction $29,163
    Other construction, all land development and other land $127,314
    Loans secured by nonfarm nonresidential properties $1,351,456
    Nonfarm nonresidential secured by owner-occupied properties $282,298
    Commercial real estate & other non-farm, non-residential $1,069,158
    Multifamily residential real estate $447,615
    1-4 family residential loans $1,986,036
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $235,774
    To non-U.S. addressees $0
    Loans to individuals $12,478
    Credit card loans $0
    Related Plans $260
    Consumer Auto Loans $139
    Other loans to individuals $12,079
    All other loans & leases $123,541
    Loans to foreign governments and official institutions $0
    Other loans $94
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $3,544
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $16,329
    Non 1-4 family restructured loans & leases $13,395
    Total loans and leases (foreign) $0

    The Washington Trust Company of Westerly had $4,274,289,000 of loans outstanding in 2021. $3,941,584,000 of loans were in real estate loans. $156,477,000 of loans were in development loans. $447,615,000 of loans were in multifamily mortgage loans. $1,986,036,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $139,000 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 430 $93,651 $217,793
    Nonfarm, nonresidential loans - <$100k 53 $1,639 $30,925
    Nonfarm, nonresidential loans - $100-250k 119 $11,300 $94,958
    Nonfarm, nonresidential loans - $250k-1MM 258 $80,712 $312,837
    Commercial & Industrial, US addressed loans - <$1MM 1,029 $62,340 $60,583
    Commercial & Industrial, US addressed loans - <$100k 649 $8,363 $12,886
    Commercial & Industrial, US addressed loans - $100-250k 152 $12,247 $80,572
    Commercial & Industrial, US addressed loans - $250k-1MM 228 $41,730 $183,026