North American Savings Bank F.s.b. Mortgage Rates, Fees & Info

Grandview, MO

LEI: 549300K6K2IS7FRS7S09

Tax ID: 44-0373310

2020 Data | 2019 Data | 2018 Data


Overview

North American Savings Bank F.s.b. is a mid-sized bank specializing in Refi, Home Purchase, and Cash Out Refi loans. North American Savings Bank F.s.b. 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 Kansas City, Washington, Phoenix, Atlanta, and Los Angeles among others. They have an 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. North American Savings Bank F.s.b. is typically an average fee lendor.


Originations

15,507

Origination Dollar Volume (All Markets)

$5,505,135,000

Employee count

650

Awards

2020 North American Savings Bank F.S.B. Low Rate Award
Details

Relative Rate

North American Savings Bank F.s.b.'s average 30 year fixed rate mortgage was 2.99%.

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

This yields a difference of -0.37%.

Relative Fees

North American Savings Bank F.s.b.'s average total fees for a 30 year fixed rate mortgage are $3,732.

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 8,883 $2,915,705,000 $328,234 $2,732 3.12%
VA 6,246 $2,492,520,000 $399,059 $4,610 2.75%
FHA 372 $95,540,000 $256,828 $5,849 3.17%
USDA 6 $1,370,000 $228,333 $3,723 3.29%

For the 2020 period, North American Savings Bank F.s.b.'s most frequently originated loan type was Conventional, with 8,883 originations. Their 2nd most popular type is VA, with 6,246 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 8,005 $2,897,165,000 $361,919 $2,433 2.83%
Home Purchase 4,156 $1,466,190,000 $352,789 $5,091 3.11%
Cash Out Refi 3,234 $1,119,640,000 $346,209 $4,570 3.11%
Other 101 $19,565,000 $193,713 $2,701 4.38%
Home Improvement 11 $2,575,000 $234,091 $3,142 3.67%

For the 2020, North American Savings Bank F.s.b.'s most frequently cited loan purpose was Refi, with 8,005 originations. The 2nd most popular reason was Home Purchase, with 4,156 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 13,626 $4,948,950,000 $363,199 $3,692 2.96%
15 Year 1,165 $344,795,000 $295,961 $2,833 2.81%
20 Year 335 $92,905,000 $277,328 $2,927 3.70%
Other 284 $90,150,000 $317,430 $2,249 3.32%
10 Year 69 $21,285,000 $308,478 $2,432 2.84%
1 Year 26 $6,720,000 $258,462 $0 5.15%
3 Year 1 $155,000 $155,000 $0 5.75%
5 Year 1 $175,000 $175,000 $0 6.75%

For the 2020, North American Savings Bank F.s.b.'s most frequently cited loan length was 30 Year, with 13,626 originations. The 2nd most popular length was 15 Year, with 1,165 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 12,227 $4,414,665,000 $361,059
$1k-2k 972 $309,630,000 $318,549
$3k-4k 586 $208,910,000 $356,502
$2k-3k 552 $186,120,000 $337,174
$5k+ 409 $198,875,000 $486,247

$3,732 was North American Savings Bank F.s.b.'s average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 12,227 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
KANSAS CITY, MO-KS 1,857 $507,525,000 $273,304 $2,532 3.16%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 657 $312,785,000 $476,081 $3,956 2.85%
Outside of Metro Areas 982 $312,730,000 $318,462 $3,611 3.01%
PHOENIX-MESA-CHANDLER, AZ 441 $149,365,000 $338,696 $3,193 2.99%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 388 $130,820,000 $337,165 $3,290 3.01%
LOS ANGELES-LONG BEACH-GLENDALE, CA 249 $117,135,000 $470,422 $4,162 2.91%
DENVER-AURORA-LAKEWOOD, CO 284 $113,610,000 $400,035 $3,120 2.87%
SEATTLE-BELLEVUE-KENT, WA 262 $111,740,000 $426,489 $3,769 2.83%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 224 $110,140,000 $491,696 $3,830 2.89%
LAS VEGAS-HENDERSON-PARADISE, NV 313 $106,145,000 $339,121 $3,229 2.98%
ANCHORAGE, AK 261 $97,925,000 $375,192 $6,036 2.72%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 235 $87,985,000 $374,404 $3,197 2.89%
BALTIMORE-COLUMBIA-TOWSON, MD 207 $85,275,000 $411,957 $4,440 2.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 221 $81,675,000 $369,570 $3,365 2.85%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 210 $77,220,000 $367,714 $3,336 3.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 218 $75,370,000 $345,734 $4,342 3.02%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 169 $74,965,000 $443,580 $4,974 2.93%
DALLAS-PLANO-IRVING, TX 215 $74,955,000 $348,628 $3,643 3.03%
URBAN HONOLULU, HI 116 $69,410,000 $598,362 $4,755 2.76%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 171 $67,455,000 $394,474 $2,871 2.86%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 193 $64,375,000 $333,549 $3,585 2.85%
ANAHEIM-SANTA ANA-IRVINE, CA 131 $63,365,000 $483,702 $2,949 2.90%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 179 $62,035,000 $346,564 $4,314 2.96%
OAKLAND-BERKELEY-LIVERMORE, CA 117 $59,395,000 $507,650 $3,627 2.81%
COLORADO SPRINGS, CO 160 $59,200,000 $370,000 $5,092 2.79%
NASSAU COUNTY-SUFFOLK COUNTY, NY 139 $56,205,000 $404,353 $4,882 2.92%
ORLANDO-KISSIMMEE-SANFORD, FL 160 $55,690,000 $348,063 $4,206 3.09%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 155 $53,015,000 $342,032 $2,909 2.86%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 121 $49,585,000 $409,793 $4,821 3.07%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 119 $48,225,000 $405,252 $3,093 2.91%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 103 $46,205,000 $448,592 $4,385 2.95%
SAN ANTONIO-NEW BRAUNFELS, TX 138 $45,190,000 $327,464 $3,813 2.93%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 118 $42,750,000 $362,288 $3,951 3.02%
RALEIGH-CARY, NC 124 $41,440,000 $334,194 $3,110 3.06%
CHICAGO-NAPERVILLE-EVANSTON, IL 119 $40,625,000 $341,387 $3,023 2.96%
NEW BRUNSWICK-LAKEWOOD, NJ 105 $40,475,000 $385,476 $4,569 3.01%
JACKSONVILLE, FL 116 $38,370,000 $330,776 $3,973 2.92%
SALT LAKE CITY, UT 106 $38,370,000 $361,981 $2,661 2.92%
RENO, NV 105 $38,105,000 $362,905 $3,547 2.87%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 113 $35,825,000 $317,035 $4,410 3.06%
TACOMA-LAKEWOOD, WA 90 $35,020,000 $389,111 $3,289 2.83%
ST. LOUIS, MO-IL 104 $31,200,000 $300,000 $2,007 2.93%
CHARLESTON-NORTH CHARLESTON, SC 85 $31,105,000 $365,941 $3,837 2.96%
BOSTON, MA 74 $29,110,000 $393,378 $4,174 3.03%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 63 $28,825,000 $457,540 $3,675 2.82%
BOISE CITY, ID 85 $28,395,000 $334,059 $3,758 3.02%
NEWARK, NJ-PA 65 $26,905,000 $413,923 $4,354 2.92%
RICHMOND, VA 80 $26,880,000 $336,000 $2,841 2.94%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 74 $26,550,000 $358,784 $4,679 2.93%
INDIANAPOLIS-CARMEL-ANDERSON, IN 84 $26,240,000 $312,381 $2,206 2.95%
PROVIDENCE-WARWICK, RI-MA 64 $25,000,000 $390,625 $4,112 3.02%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 65 $23,825,000 $366,538 $4,407 3.01%
OGDEN-CLEARFIELD, UT 64 $23,690,000 $370,156 $2,955 2.99%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 60 $23,290,000 $388,167 $5,468 3.09%
OXNARD-THOUSAND OAKS-VENTURA, CA 51 $23,035,000 $451,667 $4,487 2.89%
PROVO-OREM, UT 62 $22,620,000 $364,839 $2,754 2.93%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 63 $21,855,000 $346,905 $3,483 2.99%
NORTH PORT-SARASOTA-BRADENTON, FL 60 $20,450,000 $340,833 $4,046 3.19%
TUCSON, AZ 61 $20,315,000 $333,033 $4,574 2.98%
VALLEJO, CA 45 $20,095,000 $446,556 $3,254 2.85%
WARREN-TROY-FARMINGTON HILLS, MI 63 $19,245,000 $305,476 $3,481 3.09%
OKLAHOMA CITY, OK 61 $18,215,000 $298,607 $3,658 2.98%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 29 $17,765,000 $612,586 $5,265 3.09%
COEUR D'ALENE, ID 46 $16,890,000 $367,174 $3,679 2.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL 45 $16,535,000 $367,444 $3,511 2.97%
GREENVILLE-ANDERSON, SC 44 $16,440,000 $373,636 $4,363 3.08%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 51 $16,265,000 $318,922 $3,356 2.91%
BRIDGEPORT-STAMFORD-NORWALK, CT 37 $16,215,000 $438,243 $3,441 2.94%
CAPE CORAL-FORT MYERS, FL 47 $15,585,000 $331,596 $4,034 3.07%
MIAMI-MIAMI BEACH-KENDALL, FL 40 $14,910,000 $372,750 $4,486 3.06%
SAN LUIS OBISPO-PASO ROBLES, CA 34 $14,790,000 $435,000 $2,423 2.77%
PENSACOLA-FERRY PASS-BRENT, FL 44 $14,340,000 $325,909 $4,151 2.99%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 37 $13,915,000 $376,081 $2,984 2.97%
COLUMBUS, OH 44 $13,900,000 $315,909 $3,555 3.00%
CINCINNATI, OH-KY-IN 43 $13,555,000 $315,233 $3,548 3.02%
KNOXVILLE, TN 36 $13,520,000 $375,556 $3,456 2.91%
HUNTSVILLE, AL 43 $12,805,000 $297,791 $2,553 3.23%
PRESCOTT VALLEY-PRESCOTT, AZ 34 $12,230,000 $359,706 $3,486 2.85%
AUGUSTA-RICHMOND COUNTY, GA-SC 37 $11,995,000 $324,189 $3,955 3.00%
CLEVELAND-ELYRIA, OH 41 $11,945,000 $291,341 $3,605 3.03%
DURHAM-CHAPEL HILL, NC 35 $11,775,000 $336,429 $3,082 2.97%
FORT COLLINS, CO 33 $11,675,000 $353,788 $3,867 3.06%
TULSA, OK 31 $11,535,000 $372,097 $4,976 2.88%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 34 $11,480,000 $337,647 $3,033 2.81%
BARNSTABLE TOWN, MA 29 $11,285,000 $389,138 $4,691 2.74%
SANTA ROSA-PETALUMA, CA 24 $11,220,000 $467,500 $3,338 2.89%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 35 $10,995,000 $314,143 $3,998 2.94%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 28 $10,920,000 $390,000 $6,062 3.03%
OMAHA-COUNCIL BLUFFS, NE-IA 36 $10,920,000 $303,333 $2,280 2.89%
NEW ORLEANS-METAIRIE, LA 29 $10,835,000 $373,621 $3,852 2.84%
FAYETTEVILLE, NC 45 $10,655,000 $236,778 $4,592 2.91%
WORCESTER, MA-CT 30 $10,630,000 $354,333 $2,482 2.83%
KAHULUI-WAILUKU-LAHAINA, HI 22 $10,610,000 $482,273 $3,536 3.02%
BOULDER, CO 23 $10,355,000 $450,217 $3,265 2.88%
OLYMPIA-LACEY-TUMWATER, WA 28 $10,330,000 $368,929 $5,658 2.98%
PHILADELPHIA, PA 31 $10,305,000 $332,419 $5,139 3.14%
STOCKTON, CA 28 $10,260,000 $366,429 $2,468 2.92%
COLUMBIA, SC 35 $10,215,000 $291,857 $2,523 3.01%
FRESNO, CA 29 $10,075,000 $347,414 $3,394 3.03%
GREELEY, CO 28 $10,060,000 $359,286 $2,987 2.86%
SAN RAFAEL, CA 15 $9,965,000 $664,333 $2,718 2.87%
PITTSBURGH, PA 33 $9,895,000 $299,848 $5,291 3.03%
HILTON HEAD ISLAND-BLUFFTON, SC 27 $9,585,000 $355,000 $3,007 2.98%
SALINAS, CA 20 $9,340,000 $467,000 $2,956 2.84%
SANTA MARIA-SANTA BARBARA, CA 23 $9,265,000 $402,826 $2,935 2.75%
MEMPHIS, TN-MS-AR 28 $9,180,000 $327,857 $3,817 3.12%
MILWAUKEE-WAUKESHA, WI 30 $9,110,000 $303,667 $2,958 3.18%
SALISBURY, MD-DE 30 $9,070,000 $302,333 $3,891 3.06%
NAPLES-MARCO ISLAND, FL 27 $9,055,000 $335,370 $3,883 3.20%
CHARLOTTESVILLE, VA 23 $8,825,000 $383,696 $3,828 2.86%
THE VILLAGES, FL 21 $8,745,000 $416,429 $2,618 2.85%
SPOKANE-SPOKANE VALLEY, WA 29 $8,655,000 $298,448 $2,197 2.97%
ALBUQUERQUE, NM 28 $8,530,000 $304,643 $3,848 2.83%
WILMINGTON, DE-MD-NJ 30 $8,520,000 $284,000 $4,102 2.90%
NEW HAVEN-MILFORD, CT 26 $8,440,000 $324,615 $3,555 2.93%
BIRMINGHAM-HOOVER, AL 28 $8,420,000 $300,714 $2,985 3.06%
CAMDEN, NJ 28 $8,260,000 $295,000 $3,905 2.92%
BEND, OR 22 $8,240,000 $374,545 $3,858 3.06%
ST. GEORGE, UT 24 $8,220,000 $342,500 $4,254 2.94%
ELGIN, IL 23 $7,985,000 $347,174 $3,828 2.83%
SALEM, OR 23 $7,975,000 $346,739 $3,839 3.08%
MEDFORD, OR 24 $7,890,000 $328,750 $3,875 2.99%
MANCHESTER-NASHUA, NH 23 $7,655,000 $332,826 $2,624 3.00%
MODESTO, CA 23 $7,505,000 $326,304 $2,882 3.36%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 26 $7,500,000 $288,462 $4,970 3.32%
ASHEVILLE, NC 20 $7,400,000 $370,000 $3,048 2.85%
EUGENE-SPRINGFIELD, OR 22 $7,290,000 $331,364 $3,949 3.03%
EL PASO, TX 25 $7,185,000 $287,400 $6,610 3.04%
TRENTON-PRINCETON, NJ 18 $7,100,000 $394,444 $3,108 3.01%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 20 $7,000,000 $350,000 $2,087 2.92%
CHATTANOOGA, TN-GA 19 $6,955,000 $366,053 $3,742 2.80%
GARY, IN 23 $6,885,000 $299,348 $3,476 2.91%
PORTLAND-SOUTH PORTLAND, ME 20 $6,800,000 $340,000 $3,079 3.14%
GRAND RAPIDS-KENTWOOD, MI 21 $6,705,000 $319,286 $2,937 3.02%
DAYTON-KETTERING, OH 24 $6,600,000 $275,000 $3,682 2.91%
SANTA CRUZ-WATSONVILLE, CA 14 $6,560,000 $468,571 $4,008 2.78%
WENATCHEE, WA 16 $6,420,000 $401,250 $5,102 2.98%
SAVANNAH, GA 21 $6,375,000 $303,571 $3,091 3.09%
BELLINGHAM, WA 15 $6,125,000 $408,333 $3,653 2.76%
WILMINGTON, NC 19 $6,075,000 $319,737 $3,532 3.24%
LAKE HAVASU CITY-KINGMAN, AZ 21 $6,025,000 $286,905 $3,358 3.03%
PORT ST. LUCIE, FL 22 $5,980,000 $271,818 $3,259 3.05%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 17 $5,715,000 $336,176 $4,301 2.99%
ST. JOSEPH, MO-KS 31 $5,665,000 $182,742 $3,052 3.07%
CLARKSVILLE, TN-KY 20 $5,640,000 $282,000 $4,190 3.15%
CALIFORNIA-LEXINGTON PARK, MD 15 $5,605,000 $373,667 $5,924 2.68%
SPRINGFIELD, MA 19 $5,565,000 $292,895 $3,897 2.81%
KILLEEN-TEMPLE, TX 20 $5,550,000 $277,500 $4,331 2.94%
BAKERSFIELD, CA 17 $5,395,000 $317,353 $2,888 2.99%
CHICO, CA 12 $5,220,000 $435,000 $2,507 2.71%
BATON ROUGE, LA 15 $5,215,000 $347,667 $3,406 2.91%
MADISON, WI 14 $5,210,000 $372,143 $3,322 2.93%
CHEYENNE, WY 15 $5,155,000 $343,667 $5,706 2.73%
LAKELAND-WINTER HAVEN, FL 19 $5,115,000 $269,211 $4,872 3.39%
MOUNT VERNON-ANACORTES, WA 14 $5,110,000 $365,000 $2,829 2.85%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 14 $5,060,000 $361,429 $6,774 2.91%
KENNEWICK-RICHLAND, WA 16 $5,000,000 $312,500 $2,323 2.88%
ROCHESTER, NY 17 $4,925,000 $289,706 $3,815 3.09%
WICHITA, KS 18 $4,890,000 $271,667 $2,868 2.90%
ALBANY-SCHENECTADY-TROY, NY 16 $4,860,000 $303,750 $5,917 2.93%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 17 $4,735,000 $278,529 $4,148 3.06%
COLUMBIA, MO 13 $4,545,000 $349,615 $2,909 3.18%
ANN ARBOR, MI 15 $4,475,000 $298,333 $2,351 2.87%
WINCHESTER, VA-WV 15 $4,415,000 $294,333 $4,269 2.97%
HAGERSTOWN-MARTINSBURG, MD-WV 13 $4,365,000 $335,769 $5,279 2.97%
LEXINGTON-FAYETTE, KY 16 $4,100,000 $256,250 $2,959 3.59%
DETROIT-DEARBORN-LIVONIA, MI 15 $4,095,000 $273,000 $2,291 3.08%
GREENSBORO-HIGH POINT, NC 15 $4,095,000 $273,000 $3,536 2.87%
WINSTON-SALEM, NC 12 $4,060,000 $338,333 $2,854 2.85%
BUFFALO-CHEEKTOWAGA, NY 13 $4,005,000 $308,077 $4,837 3.28%
GAINESVILLE, GA 11 $3,925,000 $356,818 $2,982 3.08%
YUBA CITY, CA 11 $3,705,000 $336,818 $4,066 2.93%
HARRISBURG-CARLISLE, PA 13 $3,635,000 $279,615 $3,764 2.88%
SHREVEPORT-BOSSIER CITY, LA 12 $3,510,000 $292,500 $5,521 2.80%
BURLINGTON-SOUTH BURLINGTON, VT 11 $3,485,000 $316,818 $1,578 2.80%
HICKORY-LENOIR-MORGANTON, NC 10 $3,430,000 $343,000 $3,246 2.99%
PANAMA CITY, FL 13 $3,415,000 $262,692 $3,593 3.41%
VISALIA, CA 11 $3,385,000 $307,727 $2,098 3.51%
MONTGOMERY, AL 12 $3,380,000 $281,667 $2,445 2.93%
WARNER ROBINS, GA 12 $3,360,000 $280,000 $2,616 2.63%
FAIRBANKS, AK 10 $3,350,000 $335,000 $5,212 3.01%
HANFORD-CORCORAN, CA 11 $3,265,000 $296,818 $2,014 2.98%
DAPHNE-FAIRHOPE-FOLEY, AL 11 $3,235,000 $294,091 $3,633 3.42%
IDAHO FALLS, ID 10 $3,180,000 $318,000 $2,137 2.98%
MISSOULA, MT 11 $3,175,000 $288,636 $2,981 2.92%
DES MOINES-WEST DES MOINES, IA 12 $3,070,000 $255,833 $3,238 3.28%
AUBURN-OPELIKA, AL 9 $2,995,000 $332,778 $1,669 2.93%
CARSON CITY, NV 8 $2,980,000 $372,500 $2,521 2.78%
PUNTA GORDA, FL 8 $2,890,000 $361,250 $3,044 2.94%
BRUNSWICK, GA 8 $2,860,000 $357,500 $1,766 2.94%
HOT SPRINGS, AR 6 $2,830,000 $471,667 $1,383 3.02%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 11 $2,815,000 $255,909 $1,984 2.75%
YORK-HANOVER, PA 9 $2,755,000 $306,111 $3,764 3.13%
JACKSONVILLE, NC 12 $2,750,000 $229,167 $3,271 2.95%
CORPUS CHRISTI, TX 9 $2,745,000 $305,000 $6,737 2.74%
ELIZABETHTOWN-FORT KNOX, KY 11 $2,725,000 $247,727 $5,343 2.75%
ROANOKE, VA 9 $2,715,000 $301,667 $4,264 3.31%
SYRACUSE, NY 11 $2,675,000 $243,182 $4,409 3.61%
OCALA, FL 9 $2,635,000 $292,778 $3,866 3.25%
JACKSON, MS 9 $2,515,000 $279,444 $4,890 2.86%
BILLINGS, MT 8 $2,410,000 $301,250 $5,249 2.78%
TALLAHASSEE, FL 7 $2,345,000 $335,000 $2,651 2.77%
YUMA, AZ 7 $2,295,000 $327,857 $3,869 2.93%
FLAGSTAFF, AZ 7 $2,255,000 $322,143 $2,068 3.04%
HOMOSASSA SPRINGS, FL 8 $2,220,000 $277,500 $5,488 2.98%
NEW BERN, NC 8 $2,220,000 $277,500 $3,729 2.80%
ROCHESTER, MN 6 $2,190,000 $365,000 $1,674 2.65%
TOLEDO, OH 8 $2,160,000 $270,000 $4,607 2.66%
JOHNSON CITY, TN 7 $2,145,000 $306,429 $3,155 2.98%
AKRON, OH 8 $2,140,000 $267,500 $3,122 3.06%
GREEN BAY, WI 7 $2,115,000 $302,143 $3,972 2.93%
SPRINGFIELD, MO 10 $2,100,000 $210,000 $2,029 3.16%
BLACKSBURG-CHRISTIANSBURG, VA 8 $2,040,000 $255,000 $3,842 3.00%
SEBASTIAN-VERO BEACH, FL 6 $2,040,000 $340,000 $3,538 3.10%
KINGSTON, NY 6 $2,000,000 $333,333 $4,691 2.90%
LINCOLN, NE 6 $1,980,000 $330,000 $5,577 3.58%
SIOUX FALLS, SD 6 $1,970,000 $328,333 $2,924 2.85%
MANHATTAN, KS 6 $1,970,000 $328,333 $3,340 2.71%
BISMARCK, ND 7 $1,945,000 $277,857 $3,060 2.86%
HUNTINGTON-ASHLAND, WV-KY-OH 7 $1,935,000 $276,429 $2,016 2.68%
NAPA, CA 4 $1,930,000 $482,500 $1,821 2.50%
STATE COLLEGE, PA 5 $1,925,000 $385,000 $4,481 3.00%
SCRANTON--WILKES-BARRE, PA 6 $1,910,000 $318,333 $6,174 2.60%
SIERRA VISTA-DOUGLAS, AZ 7 $1,885,000 $269,286 $3,993 2.95%
DOVER, DE 7 $1,885,000 $269,286 $4,023 2.79%
PUEBLO, CO 5 $1,865,000 $373,000 $8,553 2.48%
LUBBOCK, TX 4 $1,860,000 $465,000 $3,759 3.06%
MERCED, CA 5 $1,815,000 $363,000 $5,284 3.23%
SUMTER, SC 6 $1,790,000 $298,333 $1,557 2.69%
LYNCHBURG, VA 6 $1,770,000 $295,000 $1,314 3.15%
LANCASTER, PA 6 $1,770,000 $295,000 $4,188 3.27%
BEAUMONT-PORT ARTHUR, TX 6 $1,760,000 $293,333 $3,151 3.08%
NORWICH-NEW LONDON, CT 5 $1,745,000 $349,000 $3,539 2.73%
GULFPORT-BILOXI, MS 7 $1,745,000 $249,286 $2,926 3.11%
SOUTH BEND-MISHAWAKA, IN-MI 6 $1,730,000 $288,333 $4,526 2.79%
REDDING, CA 6 $1,720,000 $286,667 $1,589 2.90%
EVANSVILLE, IN-KY 5 $1,715,000 $343,000 $4,715 3.15%
MADERA, CA 5 $1,705,000 $341,000 $2,063 2.88%
OCEAN CITY, NJ 5 $1,615,000 $323,000 $2,987 2.85%
COLLEGE STATION-BRYAN, TX 5 $1,575,000 $315,000 $3,570 3.08%
LONGVIEW, WA 6 $1,560,000 $260,000 $1,700 3.17%
WALLA WALLA, WA 5 $1,555,000 $311,000 $2,092 2.68%
GRAND JUNCTION, CO 6 $1,550,000 $258,333 $1,303 2.88%
APPLETON, WI 6 $1,500,000 $250,000 $3,589 2.85%
SAN ANGELO, TX 4 $1,500,000 $375,000 $5,256 2.88%
VALDOSTA, GA 6 $1,480,000 $246,667 $2,669 2.90%
GRAND FORKS, ND-MN 3 $1,445,000 $481,667 $2,649 2.88%
LONGVIEW, TX 5 $1,415,000 $283,000 $5,508 2.63%
LAWRENCE, KS 5 $1,385,000 $277,000 $4,836 2.93%
FARGO, ND-MN 4 $1,380,000 $345,000 $3,601 3.03%
ATLANTIC CITY-HAMMONTON, NJ 6 $1,380,000 $230,000 $2,541 3.08%
STAUNTON, VA 5 $1,375,000 $275,000 $6,688 3.25%
MOBILE, AL 5 $1,365,000 $273,000 $4,363 3.08%
CORVALLIS, OR 4 $1,360,000 $340,000 $2,559 2.72%
MONROE, LA 4 $1,350,000 $337,500 $2,800 2.91%
LEWISTON, ID-WA 4 $1,350,000 $337,500 $6,125 3.19%
ALBANY-LEBANON, OR 4 $1,350,000 $337,500 $1,743 3.19%
JEFFERSON CITY, MO 5 $1,345,000 $269,000 $2,209 2.65%
LANSING-EAST LANSING, MI 6 $1,330,000 $221,667 $3,005 3.04%
JACKSON, TN 5 $1,295,000 $259,000 $2,479 3.83%
SPARTANBURG, SC 5 $1,265,000 $253,000 $2,451 3.08%
HARRISONBURG, VA 2 $1,260,000 $630,000 $4,952 2.88%
DOTHAN, AL 5 $1,255,000 $251,000 $1,706 3.23%
EL CENTRO, CA 5 $1,215,000 $243,000 $1,360 4.25%
KINGSPORT-BRISTOL, TN-VA 4 $1,210,000 $302,500 $2,979 2.94%
DULUTH, MN-WI 4 $1,210,000 $302,500 $2,178 3.34%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 5 $1,195,000 $239,000 $3,534 3.95%
KALAMAZOO-PORTAGE, MI 5 $1,195,000 $239,000 $2,284 2.75%
FLINT, MI 5 $1,175,000 $235,000 $2,464 3.03%
TWIN FALLS, ID 4 $1,150,000 $287,500 $4,027 2.81%
ST. CLOUD, MN 5 $1,135,000 $227,000 $1,990 3.58%
MANSFIELD, OH 4 $1,070,000 $267,500 $1,374 3.22%
SPRINGFIELD, OH 4 $1,060,000 $265,000 $3,396 3.06%
ATHENS-CLARKE COUNTY, GA 4 $1,060,000 $265,000 $6,474 2.88%
TYLER, TX 3 $1,025,000 $341,667 $9,638 3.67%
GAINESVILLE, FL 4 $1,010,000 $252,500 $4,238 2.91%
FORT WAYNE, IN 5 $1,005,000 $201,000 $4,464 2.98%
SIOUX CITY, IA-NE-SD 4 $990,000 $247,500 $2,091 3.50%
POCATELLO, ID 4 $960,000 $240,000 $4,360 2.84%
IOWA CITY, IA 3 $955,000 $318,333 $1,216 3.00%
EAU CLAIRE, WI 4 $930,000 $232,500 $2,789 2.84%
MACON-BIBB COUNTY, GA 3 $925,000 $308,333 $3,998 2.79%
RAPID CITY, SD 3 $925,000 $308,333 $1,567 2.71%
LAFAYETTE, LA 4 $890,000 $222,500 $6,711 3.31%
MONROE, MI 3 $865,000 $288,333 $5,632 3.08%
HAMMOND, LA 2 $860,000 $430,000 $826 2.75%
BATTLE CREEK, MI 3 $825,000 $275,000 $3,302 3.13%
LEWISTON-AUBURN, ME 3 $805,000 $268,333 $1,407 2.92%
READING, PA 4 $790,000 $197,500 $5,172 3.38%
GREAT FALLS, MT 3 $785,000 $261,667 $1,559 3.00%
ALBANY, GA 3 $775,000 $258,333 $4,317 3.33%
GETTYSBURG, PA 2 $770,000 $385,000 $3,998 2.88%
CLEVELAND, TN 2 $760,000 $380,000 $8,027 2.88%
SHERMAN-DENISON, TX 2 $750,000 $375,000 $3,218 3.38%
TOPEKA, KS 4 $750,000 $187,500 $2,866 3.16%
COLUMBUS, GA-AL 3 $725,000 $241,667 $3,328 2.75%
CANTON-MASSILLON, OH 3 $725,000 $241,667 $5,469 2.75%
CASPER, WY 2 $720,000 $360,000 $2,131 2.75%
CHARLESTON, WV 3 $715,000 $238,333 $2,000 2.79%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 2 $710,000 $355,000 $2,592 2.88%
GOLDSBORO, NC 3 $695,000 $231,667 $3,666 2.67%
EAST STROUDSBURG, PA 3 $695,000 $231,667 $3,239 2.88%
DECATUR, AL 2 $690,000 $345,000 $4,337 3.13%
GRANTS PASS, OR 3 $685,000 $228,333 $3,505 2.75%
TUSCALOOSA, AL 3 $685,000 $228,333 $2,594 3.50%
PITTSFIELD, MA 2 $680,000 $340,000 $2,012 3.00%
BINGHAMTON, NY 2 $670,000 $335,000 $9,098 3.44%
ENID, OK 2 $650,000 $325,000 $2,658 3.06%
AMARILLO, TX 2 $650,000 $325,000 $818 3.06%
CHAMBERSBURG-WAYNESBORO, PA 2 $650,000 $325,000 $9,590 3.19%
YAKIMA, WA 3 $645,000 $215,000 $3,262 4.17%
AMES, IA 2 $640,000 $320,000 $5,526 3.00%
BURLINGTON, NC 2 $640,000 $320,000 $3,339 2.88%
ROCKFORD, IL 4 $630,000 $157,500 $2,672 3.25%
FLORENCE-MUSCLE SHOALS, AL 2 $630,000 $315,000 $4,039 2.69%
GADSDEN, AL 2 $620,000 $310,000 $5,098 2.75%
BLOOMINGTON, IN 2 $610,000 $305,000 $2,048 2.63%
JACKSON, MI 2 $590,000 $295,000 $1,150 2.50%
CEDAR RAPIDS, IA 2 $580,000 $290,000 $1,376 3.75%
HOUMA-THIBODAUX, LA 2 $570,000 $285,000 $2,379 2.81%
LEBANON, PA 2 $570,000 $285,000 $8,263 2.81%
ABILENE, TX 2 $560,000 $280,000 $6,789 3.13%
JOPLIN, MO 2 $560,000 $280,000 $1,836 2.75%
HINESVILLE, GA 3 $545,000 $181,667 $3,304 3.38%
WICHITA FALLS, TX 2 $540,000 $270,000 $1,918 2.56%
MCALLEN-EDINBURG-MISSION, TX 2 $540,000 $270,000 $0 4.50%
WACO, TX 2 $520,000 $260,000 $4,671 3.81%
VINELAND-BRIDGETON, NJ 2 $520,000 $260,000 $2,710 2.63%
LA CROSSE-ONALASKA, WI-MN 2 $520,000 $260,000 $2,639 3.19%
ITHACA, NY 2 $510,000 $255,000 $3,588 3.31%
DALTON, GA 1 $495,000 $495,000 $2,425 2.75%
HATTIESBURG, MS 2 $490,000 $245,000 $3,675 3.38%
ALEXANDRIA, LA 2 $470,000 $235,000 $3,741 2.50%
ROME, GA 1 $465,000 $465,000 $4,361 4.50%
VICTORIA, TX 1 $465,000 $465,000 $2,233 2.88%
BANGOR, ME 2 $460,000 $230,000 $2,828 3.13%
MORRISTOWN, TN 1 $445,000 $445,000 $2,181 2.75%
GREENVILLE, NC 2 $440,000 $220,000 $7,180 4.25%
RACINE, WI 2 $440,000 $220,000 $5,325 2.81%
LAKE CHARLES, LA 2 $430,000 $215,000 $1,159 3.75%
SPRINGFIELD, IL 2 $430,000 $215,000 $1,079 3.00%
CHAMPAIGN-URBANA, IL 2 $380,000 $190,000 $828 3.88%
MUNCIE, IN 1 $365,000 $365,000 $472 2.50%
SANTA FE, NM 1 $355,000 $355,000 $0 3.00%
PARKERSBURG-VIENNA, WV 1 $355,000 $355,000 $9,477 2.25%
WAUSAU-WESTON, WI 1 $345,000 $345,000 $1,132 2.38%
NILES, MI 2 $340,000 $170,000 $4,165 3.56%
PEORIA, IL 1 $335,000 $335,000 $1,815 2.88%
MIDLAND, TX 1 $315,000 $315,000 $0 2.75%
TEXARKANA, TX-AR 2 $310,000 $155,000 $1,846 3.75%
ROCKY MOUNT, NC 1 $305,000 $305,000 $2,124 2.75%
ALTOONA, PA 1 $305,000 $305,000 $4,231 3.25%
TERRE HAUTE, IN 1 $295,000 $295,000 $1,812 2.75%
ERIE, PA 1 $285,000 $285,000 $3,168 2.75%
SAGINAW, MI 1 $285,000 $285,000 $2,073 2.75%
LOGAN, UT-ID 1 $285,000 $285,000 $1,802 3.63%
ODESSA, TX 1 $285,000 $285,000 $7,341 2.75%
WHEELING, WV-OH 2 $280,000 $140,000 $4,569 3.38%
ELKHART-GOSHEN, IN 1 $275,000 $275,000 $2,410 2.75%
MUSKEGON, MI 1 $275,000 $275,000 $3,284 3.00%
MORGANTOWN, WV 1 $275,000 $275,000 $2,243 3.38%
JANESVILLE-BELOIT, WI 1 $275,000 $275,000 $379 2.75%
FLORENCE, SC 1 $265,000 $265,000 $12,489 2.88%
SEBRING-AVON PARK, FL 1 $265,000 $265,000 $12,326 2.75%
DANVILLE, IL 1 $265,000 $265,000 $2,982 2.75%
BLOOMINGTON, IL 1 $255,000 $255,000 $3,508 2.75%
UTICA-ROME, NY 1 $245,000 $245,000 $2,685 2.75%
BLOOMSBURG-BERWICK, PA 1 $245,000 $245,000 $3,167 3.13%
MICHIGAN CITY-LA PORTE, IN 1 $235,000 $235,000 $1,019 2.38%
COLUMBUS, IN 1 $235,000 $235,000 $1,822 2.75%
LAS CRUCES, NM 1 $225,000 $225,000 $2,761 2.50%
WATERTOWN-FORT DRUM, NY 1 $225,000 $225,000 $3,317 2.38%
OSHKOSH-NEENAH, WI 1 $205,000 $205,000 $1,607 2.75%
KANKAKEE, IL 1 $205,000 $205,000 $1,776 3.25%
LIMA, OH 1 $205,000 $205,000 $4,675 3.63%
SHEBOYGAN, WI 1 $205,000 $205,000 $0 3.13%
FORT SMITH, AR-OK 1 $195,000 $195,000 $2,440 3.00%
GLENS FALLS, NY 1 $175,000 $175,000 $5,951 3.13%
MIDLAND, MI 1 $175,000 $175,000 $1,625 3.13%
LAFAYETTE-WEST LAFAYETTE, IN 1 $165,000 $165,000 $3,354 3.00%
BROWNSVILLE-HARLINGEN, TX 1 $125,000 $125,000 $2,191 3.63%

North American Savings Bank F.s.b.'s top markets include Kansas City, Washington, Phoenix, Atlanta, and Los Angeles among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 8,929 $3,347,195,000 $374,868
3-4% 3,886 $1,172,160,000 $301,637
<2.5% 2,111 $839,075,000 $397,477
4-5% 295 $66,655,000 $225,949
5-6% 193 $55,815,000 $289,197
6-7% 92 $23,970,000 $260,543
7-8% 1 $265,000 $265,000

During 2020, North American Savings Bank F.s.b.'s average interest rate was 2.99%, while their most frequently originated rate bucket was 2.5-3%, with 8,929 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 9,095 $2,780,555,000 $305,723 $3,150 2.92%
$400k-600k 3,732 $1,751,630,000 $469,354 $3,862 2.85%
$100k-200k 1,616 $254,390,000 $157,420 $2,619 3.46%
$600k-1MM 794 $574,270,000 $723,262 $7,502 2.87%
$100,000 or less 168 $13,130,000 $78,155 $1,913 4.14%
$1MM+ 102 $131,160,000 $1,285,882 $15,844 3.04%

2020 saw North American Savings Bank F.s.b. place emphasis on $200k-400k loans with 9,095 originations, totaling $2,780,555,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 3,644 $1,277,100,000 $350,467 $3,818 3.00%
$150k-250k 2,936 $1,172,130,000 $399,227 $3,827 2.96%
$75k-100k 2,057 $630,635,000 $306,580 $4,045 3.02%
$50k-75k 1,637 $414,365,000 $253,125 $3,793 3.06%
$250k+ 902 $440,940,000 $488,847 $5,307 3.04%
$50k or less 452 $82,240,000 $181,947 $3,043 3.24%

North American Savings Bank F.s.b. lent most frequently to those with incomes in the $100k-150k range, with 3,644 originations. The second most popular income band? $150k-250k, with 2,936 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 3,015 $1,029,465,000 $341,448 $3,254 2.96%
30-36% 2,078 $711,970,000 $342,623 $3,723 3.01%
<20% 1,156 $373,590,000 $323,175 $2,666 2.92%
50-60% 683 $257,445,000 $376,933 $7,273 2.91%
42% 408 $140,250,000 $343,750 $4,114 3.17%
44% 390 $137,010,000 $351,308 $4,308 3.21%
38% 369 $125,445,000 $339,959 $3,775 3.06%
43% 368 $124,920,000 $339,457 $3,875 3.10%
41% 348 $119,580,000 $343,621 $4,172 3.16%
40% 345 $121,475,000 $352,101 $4,142 3.07%
39% 342 $120,170,000 $351,374 $4,150 3.08%
36% 336 $110,640,000 $329,286 $3,704 3.05%
37% 333 $119,615,000 $359,204 $4,182 3.06%
46% 303 $105,425,000 $347,937 $4,465 3.02%
45% 297 $97,695,000 $328,939 $4,093 3.08%
49% 281 $99,465,000 $353,968 $4,838 3.09%
48% 272 $96,280,000 $353,971 $4,389 3.04%
47% 253 $91,915,000 $363,300 $4,881 3.06%
>60% 114 $52,670,000 $462,018 $7,329 2.85%

North American Savings Bank F.s.b. lent most frequently to those with DTI ratios of 20-30%, with 3,015 originations. The next most common DTI ratio? 30-36%, with 2,078 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 10,563 $3,713,735,000 $351,580 $3,625 2.96%
Not provided 2,956 $1,093,870,000 $370,051 $3,490 2.91%
Asian 605 $228,215,000 $377,215 $3,389 2.87%
Black 624 $220,380,000 $353,173 $3,894 3.01%
Asian Indian 204 $74,110,000 $363,284 $2,583 2.82%
American Indian 150 $52,000,000 $346,667 $3,426 2.94%
Not applicable 164 $29,200,000 $178,049 $0 5.92%
Filipino 60 $23,690,000 $394,833 $3,703 2.85%
Korean 32 $14,000,000 $437,500 $3,856 2.86%
Chinese 34 $12,480,000 $367,059 $2,901 2.86%
Other Asian 38 $12,370,000 $325,526 $2,983 2.97%
Native Hawaiian 28 $12,090,000 $431,786 $4,179 3.00%
Vietnamese 22 $8,160,000 $370,909 $4,065 2.76%
Japanese 13 $5,535,000 $425,769 $3,395 2.78%
Other Pacific Islander 8 $3,180,000 $397,500 $4,077 2.86%
Guamanian 6 $2,120,000 $353,333 $2,164 2.79%

Approval Rates

Total approvals of all applications
79.27%

North American Savings Bank F.s.b. has a below average approval rate.

Pick Rate

Approvals leading to origination
68.50%

North American Savings Bank F.s.b. 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 15,507 $5,505,135,000 $355,010

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 2 $700,000 $350,000
Single Family (1-4 Units):Site-Built 15,505 $5,504,435,000 $355,010

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 367 $111,455,000 $303,692 $2,920 3.15%
40-60% 1,982 $638,320,000 $322,059 $2,589 3.05%
60-80% 4,993 $1,683,535,000 $337,179 $3,131 3.10%
80-100% 4,096 $1,462,060,000 $356,948 $4,581 3.03%
Over 100% 386 $161,430,000 $418,212 $13,832 2.74%
Under 20% 32 $7,740,000 $241,875 $3,210 3.71%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
North American Savings Bank, F.S.B. 1001 N Jesse James Road Excelsior Springs, MO 64024 Full Service B&M $89,197
North American Savings Bank, F.S.B. 646 North 291 Highway Lee's Summit, MO 64063 Full Service B&M $131,149
North American Savings Bank, F.S.B. 7012 Nw Barry Road Kansas City, MO 64153 Full Service B&M $45,801
North American Savings Bank, F.S.B. 8501 North Oak Trafficway Gladstone, MO 64119 Full Service B&M $146,963
North American Savings Bank, F.S.B. 920 Belt Highway St. Joseph, MO 64501 Full Service B&M $151,112
North American Savings Bank, F.S.B. 11400 E 23rd Street Independence, MO 64052 Full Service B&M $91,055
North American Savings Bank, F.S.B. 125th And South 71 Highway Grandview, MO 64030 Full Service B&M $966,173
North American Savings Bank, F.S.B. 2002 East Mechanic Street Harrisonville, MO 64701 Full Service B&M $87,613
North American Savings Bank, F.S.B. 205 South 13th Street Lexington, MO 64067 Full Service B&M $86,744
North American Savings Bank, F.S.B. 228 S 2nd St Odessa, MO 64076 Full Service B&M $21,200
North American Savings Bank, F.S.B. 2707 Prairie View Road Platte City, MO 64079 Full Service B&M $32,922

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $126,341
Net interest income $98,277
Total noninterest income $209,369
Gross Fiduciary activities income $0
Service charges on deposit accounts $1,275
Trading account gains and fees $0
Additional Noninterest Income $208,094
Pre-tax net operating income $154,757
Securities gains (or losses, -) $318
Income before extraordinary items $115,721
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $115,721
Minority interest net income $0
Net income $115,721
Sale, conversion, retirement of capital stock, net $291
Net operating income $115,469

Bank Expenses

Item Value (in 000's)
Total interest expense $28,064
Provision for credit losses $10,150
Total noninterest expense $142,739
Salaries and employee benefits $102,722
Premises and equipment expense $7,606
Additional noninterest expense $32,411
Applicable income taxes $39,354
Net charge-offs $1,847
Cash dividends $16,224

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 3.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 1.0%
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 $1,702,318
Deposits held in domestic offices $1,702,318
Deposits by Individuals, partnerships, and corporations $1,373,065
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $28,736
Deposits by Commercial banks and other depository institutions in U.S. $300,516
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $289,267
Demand deposits $284,702
Nontransaction accounts $1,413,050
Money market deposit accounts (MMDAs) $330,510
Other savings deposits (excluding MMDAs) $197,686
Total time deposits $884,854
Total time and savings deposits $1,417,615
Noninterest-bearing deposits $190,809
Interest-bearing deposits $1,511,509
Retail deposits $1,477,332
IRAs and Keogh plan accounts $65,681
Brokered deposits $99,996
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $2,586,577
Cash & Balances due from depository institutions $71,427
Interest-bearing balances $65,652
Total securities $148,324
Federal funds sold & reverse repurchase $0
Net loans and leases $2,242,312
Loan and leases loss allowance $31,135
Trading account assets $0
Bank premises and fixed assets $17,835
Other real estate owned $3,737
Goodwill and other intangibles $15,758
All other assets $87,184

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $2,586,577
Total Liabilities $2,207,266
Total deposits $1,702,318
Interest-bearing deposits $1,511,509
Deposits held in domestic offices $1,702,318
% insured (estimated) $88
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $412,422
Subordinated debt $0
All other liabilities $92,526

Issued Loan Types

Type Value (in 000's)
Net loans and leases $2,242,312
Loan and leases loss allowance $31,135
Total loans and leases (domestic) $2,273,447
All real estate loans $2,308,463
Real estate loans in domestic offices $2,308,463
Construction and development loans $167,083
Residential 1-4 family construction $120,147
Other construction, all land development and other land $46,936
Loans secured by nonfarm nonresidential properties $177,793
Nonfarm nonresidential secured by owner-occupied properties $1,565
Commercial real estate & other non-farm, non-residential $176,228
Multifamily residential real estate $30,552
1-4 family residential loans $1,931,001
Farmland loans $2,034
Loans held in foreign offices $0
Farm loans $279
Commercial and industrial loans $13,682
To non-U.S. addressees $0
Loans to individuals $578
Credit card loans $0
Related Plans $40
Consumer Auto Loans $0
Other loans to individuals $538
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 $8,142
Non 1-4 family restructured loans & leases $7,350
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 81 $21,350 $263,580
Nonfarm, nonresidential loans - <$100k 16 $322 $20,125
Nonfarm, nonresidential loans - $100-250k 18 $2,346 $130,333
Nonfarm, nonresidential loans - $250k-1MM 47 $18,682 $397,489
Commercial & Industrial, US addressed loans - <$1MM 4 $98 $24,500
Commercial & Industrial, US addressed loans - <$100k 1 $2 $2,000
Commercial & Industrial, US addressed loans - $100-250k 2 $0 $0
Commercial & Industrial, US addressed loans - $250k-1MM 1 $96 $96,000
Farmland loans - <$1MM 21 $2,034 $96,857
Farmland loans - <$100k 9 $200 $22,222
Farmland loans - $100-250k 9 $927 $103,000
Farmland loans - $250k-1MM 3 $907 $302,333
Agriculture operations loans - <$1MM 4 $279 $69,750
Agriculture operations loans - <$100k 2 $30 $15,000
Agriculture operations loans - $100-250k 2 $249 $124,500