Community National Bank & Trust Mortgage Rates, Fees & Info

Chanute, KS

LEI: 549300MUMD1WPCSXT518

Tax ID: 48-1038713

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Mortgage Data

Bank Data

Review & Overview

Community National Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Community National Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Wichita, Pittsburg, Winfield, Kansas City, and Coffeyville among others. We have data for 26 markets. (Some data included below & more in-depth data is available with an active subscription.)

Community National Bank & Trust has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Community National Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 3/24/24
30 Year Conventional Purchase 6.86% 3/24/24
30 Year Conventional Refi 6.76% 3/24/24
30 Year Cash-out Refi 6.83% 3/24/24
30 Year FHA Purchase 6.27% 3/24/24
30 Year VA Purchase 6.45% 3/24/24
30 Year USDA Purchase 7.45% 3/24/24
15 Year Conventional Purchase 6.55% 3/24/24
15 Year Conventional Refi 6.16% 3/24/24
15 Year Cash-out Refi 6.16% 3/24/24
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.

Community National Bank & Trust Mortgage Calculator






Your Estimates

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

This is not an official calculator from Community National Bank & Trust. 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

766

Origination Dollar Volume (All Markets)

$84,680,000

Employee count

392 Show all (6) 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
Outside of Metro Areas 208 $19,010,000 $91,394 $1,859 5.26%
WICHITA, KS (FHA|USDA|VA) 136 $17,690,000 $130,074 $1,990 5.51%
Pittsburg, KS (FHA|USDA|VA) 103 $9,665,000 $93,835 $2,028 5.29%
Winfield, KS (FHA|USDA|VA) 77 $8,885,000 $115,390 $1,874 5.38%
KANSAS CITY, MO-KS (FHA|USDA|VA) 12 $6,080,000 $506,667 $2,299 4.32%
Coffeyville, KS (FHA|USDA|VA) 85 $5,695,000 $67,000 $1,458 5.93%
JOPLIN, MO (FHA|USDA|VA) 26 $4,010,000 $154,231 $2,004 5.03%
Emporia, KS (FHA|USDA|VA) 40 $3,240,000 $81,000 $1,835 5.05%
Ponca City, OK (FHA|USDA|VA) 24 $2,090,000 $87,083 $3,369 5.09%
TULSA, OK (FHA|USDA|VA) 8 $1,660,000 $207,500 $3,400 4.72%
Bartlesville, OK (FHA|USDA|VA) 10 $1,550,000 $155,000 $2,205 5.94%
Parsons, KS (FHA|USDA|VA) 16 $960,000 $60,000 $1,594 5.33%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $710,000 $355,000 $148 4.65%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $650,000 $325,000 $2,723 3.81%
Ottawa, KS (FHA|USDA|VA) 3 $495,000 $165,000 $2,785 5.00%
McPherson, KS (FHA|USDA|VA) 3 $425,000 $141,667 $2,078 3.88%
Stillwater, OK (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.75%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $265,000 $265,000 $3,858 5.95%
MANSFIELD, OH (FHA|USDA|VA) 1 $235,000 $235,000 $3,352 3.63%
TOPEKA, KS (FHA|USDA|VA) 2 $230,000 $115,000 $1,823 5.58%
Great Bend, KS (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.94%
ENID, OK (FHA|USDA|VA) 1 $195,000 $195,000 $3,518 4.13%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,938 3.88%
LAWRENCE, KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.75%
Hutchinson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.89%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $55,000 $55,000 $314 5.50%
Community National Bank & Trust's top markets include Wichita, Pittsburg, Winfield, Kansas City, and Coffeyville among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 765 $84,645,000 $110,647 $1,948 5.35%
    USDA 1 $35,000 $35,000 $2,966 3.25%

    For 2019, Community National Bank & Trust's most frequently originated type of loan was Conventional, with 765 originations. Their 2nd most popular type was USDA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 412 $44,870,000 $108,908 $2,165 5.22%
    Refi 187 $25,185,000 $134,679 $1,818 5.83%
    Cash Out Refi 111 $12,195,000 $109,865 $1,788 4.63%
    Home Improvement 41 $1,575,000 $38,415 $662 6.21%
    Other 15 $855,000 $57,000 $1,205 5.68%

    For 2019, Community National Bank & Trust's most frequently cited loan purpose was Home Purchase, with 412 originations. The 2nd most popular reason was Refi, with 187 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 207 $30,415,000 $146,932 $2,234 4.53%
    5 Year 131 $18,045,000 $137,748 $225 5.89%
    15 Year 119 $9,065,000 $76,176 $1,866 5.14%
    Other 95 $7,555,000 $79,526 $1,060 6.06%
    20 Year 90 $8,320,000 $92,444 $1,814 5.16%
    3 Year 49 $4,375,000 $89,286 $566 6.04%
    10 Year 44 $3,610,000 $82,045 $1,127 5.75%
    1 Year 31 $3,295,000 $106,290 $1,429 6.04%

    For 2019, Community National Bank & Trust's most frequently cited loan duration was 30 Year, with 207 originations. The 2nd most popular length was 5 Year, with 131 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 358 $42,080,000 $117,542
    $1k-2k 13 $2,795,000 $215,000
    $2k-3k 4 $910,000 $227,500

    Community National Bank & Trust's average total fees were $2,234, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 358 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 314 $31,280,000 $99,618
    6-7% 174 $10,340,000 $59,425
    3-4% 144 $23,550,000 $163,542
    4-5% 118 $18,670,000 $158,220
    7-8% 12 $370,000 $30,833
    2.5-3% 2 $350,000 $175,000

    During 2019, Community National Bank & Trust's average interest rate for loans was 4.53%, while their most frequently originated rate bucket for loans was 5-6%, with 314 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 511 $24,605,000 $48,151 $1,568 5.66%
    $100k-200k 158 $22,440,000 $142,025 $2,353 4.67%
    $200k-400k 74 $20,090,000 $271,486 $2,380 4.74%
    $400k-600k 17 $8,045,000 $473,235 $2,416 5.07%
    $1MM+ 3 $7,195,000 $2,398,333 $0 4.92%
    $600k-1MM 3 $2,305,000 $768,333 $0 5.25%

    2019 saw Community National Bank & Trust place emphasis on $100,000 or less loans with 511 originations, totaling $24,605,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 152 $8,060,000 $53,026 $1,659 5.58%
    $50k-75k 108 $9,300,000 $86,111 $1,992 5.05%
    $100k-150k 92 $9,980,000 $108,478 $2,171 4.91%
    $75k-100k 92 $10,000,000 $108,696 $1,957 5.10%
    $150k-250k 50 $10,500,000 $210,000 $2,061 5.04%
    $250k+ 28 $7,030,000 $251,071 $2,486 4.84%

    Community National Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 152 originations. The second most popular income band? $50k-75k, with 108 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 127 $16,685,000 $131,378 $2,059 4.63%
    30-36% 83 $8,465,000 $101,988 $1,976 4.80%
    <20% 80 $8,710,000 $108,875 $1,907 4.88%
    37% 21 $2,385,000 $113,571 $1,998 4.62%
    36% 19 $2,635,000 $138,684 $2,191 4.32%
    38% 17 $1,255,000 $73,824 $1,668 5.12%
    40% 11 $1,635,000 $148,636 $1,700 5.24%
    39% 10 $1,430,000 $143,000 $2,505 4.83%
    42% 8 $1,000,000 $125,000 $1,884 5.26%
    41% 5 $305,000 $61,000 $1,551 6.05%
    >60% 4 $820,000 $205,000 $1,279 5.81%
    50-60% 3 $825,000 $275,000 $644 4.92%
    46% 3 $305,000 $101,667 $2,162 5.25%
    43% 2 $80,000 $40,000 $673 6.38%
    45% 2 $100,000 $50,000 $1,474 5.79%
    47% 1 $35,000 $35,000 $1,098 6.00%
    49% 1 $65,000 $65,000 $1,162 5.75%

    Community National Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 127 originations. The next most common DTI ratio? 30-36%, with 83 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 633 $64,335,000 $101,635 $1,947 5.30%
    Not applicable 113 $17,825,000 $157,743 $0 5.72%
    Asian 5 $925,000 $185,000 $2,512 4.45%
    American Indian 7 $595,000 $85,000 $1,463 5.33%
    Not provided 5 $455,000 $91,000 $1,909 5.28%
    Other Asian 2 $430,000 $215,000 $2,202 3.50%
    Black 1 $115,000 $115,000 $1,818 4.25%

    Approval Rates

    Total approvals of all applications
    89.77%

    Community National Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.76%

    Community National Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    104.0 5 $155,000 $31,000
    NA 761 $84,525,000 $111,071

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $830,000 $207,500
    Multifamily:Site-Built 32 $14,300,000 $446,875
    Single Family (1-4 Units):Manufactured 40 $2,090,000 $52,250
    Single Family (1-4 Units):Site-Built 690 $67,460,000 $97,768

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 85 $5,945,000 $69,941 $1,359 5.81%
    40-60% 124 $14,010,000 $112,984 $1,801 5.47%
    60-80% 325 $41,385,000 $127,338 $2,042 5.32%
    80-100% 185 $21,135,000 $114,243 $2,194 4.93%
    Over 100% 1 $25,000 $25,000 $0 5.50%
    Under 20% 45 $2,095,000 $46,556 $474 6.08%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Closing on a mortgage 1 20.0%
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Trouble during payment process 3 60.0%
    COMMUNITY BANK SYSTEM, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 1 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community National Bank & Trust 100 Delaware Edna, KS 67342 Full Service B&M $33,007
    Community National Bank & Trust 102 North 4th Neodesha, KS 66757 Full Service B&M $24,512
    Community National Bank & Trust 1109 Gulf Street Lamar, MO 64759 Full Service B&M $37,830
    Community National Bank & Trust 1112 Main Street Winfield, KS 67156 Full Service B&M $61,136
    Community National Bank & Trust 115 East First Chanute, KS 66720 Limited, Drive-thru $0
    Community National Bank & Trust 120 East Madison Iola, KS 66749 Full Service B&M $64,208
    Community National Bank & Trust 124 North Penn Independence, KS 67301 Limited, Drive-thru $0
    Community National Bank & Trust 125 N. Penn Independence, KS 67301 Full Service B&M $126,004
    Community National Bank & Trust 127 North Main Street Newton, KS 67114 Full Service B&M $34,152
    Community National Bank & Trust 14 North Lincoln Avenue Chanute, KS 66720 Full Service B&M $93,943
    Community National Bank & Trust 1440 Industrial Road Emporia, KS 66801 Full Service B&M $34,048
    Community National Bank & Trust 14500 Sw 20th Street Benton, KS 67017 Full Service B&M $9,558
    Community National Bank & Trust 1501 South Santa Fe Chanute, KS 66720 Limited, Drive-thru $0
    Community National Bank & Trust 1625 Hedges Plaza Nevada, MO 64772 Full Service B&M $46,315
    Community National Bank & Trust 207 North Washington Burns, KS 66840 Full Service B&M $6,175
    Community National Bank & Trust 2813 The Loop Carthage, MO 64836 Full Service B&M $15,131
    Community National Bank & Trust 2815 West Central El Dorado, KS 67042 Limited, Drive-thru $0
    Community National Bank & Trust 301 North Main Street El Dorado, KS 67042 Full Service B&M $58,754
    Community National Bank & Trust 330 North 16th St Parsons, KS 67357 Full Service B&M $19,295
    Community National Bank & Trust 333 West Main Cherryvale, KS 67335 Full Service B&M $25,412
    Community National Bank & Trust 401 East Centennial Pittsburg, KS 66762 Full Service B&M $56,887
    Community National Bank & Trust 401 East South Street Arma, KS 66712 Full Service B&M $15,558
    Community National Bank & Trust 401 North Main Eureka, KS 67045 Full Service B&M $39,157
    Community National Bank & Trust 4097 Parkview Drive Frontenac, KS 66763 Full Service B&M $20,548
    Community National Bank & Trust 500 North Summit Street Arkansas City, KS 67005 Full Service B&M $21,031
    Community National Bank & Trust 501 West 4th Caney, KS 67333 Full Service B&M $30,367
    Community National Bank & Trust 606 East St. John Girard, KS 66743 Full Service B&M $34,183
    Community National Bank & Trust 645 State Street Augusta, KS 67010 Full Service B&M $17,334
    Community National Bank & Trust 701 Merchant St Emporia, KS 66801 Full Service B&M $0
    Community National Bank & Trust 724 East Highway 54 El Dorado Springs, MO 64744 Full Service B&M $16,809
    Community National Bank & Trust 733 Madison Fredonia, KS 66736 Full Service B&M $16,123
    Community National Bank & Trust 901 East Prospect Avenue, Suite C Ponca City, OK 74601 Full Service B&M $12,645
    Community National Bank & Trust 901 W 11th Coffeyville, KS 67337 Full Service B&M $27,215
    Community National Bank & Trust Eighth And Osage Streets Humboldt, KS 66748 Full Service B&M $33,762

    For 2019, Community National Bank & Trust had 34 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $55,113
    Net interest income $43,382
    Total noninterest income $12,258
    Gross Fiduciary activities income $656
    Service charges on deposit accounts $2,945
    Trading account gains and fees $0
    Additional Noninterest Income $8,657
    Pre-tax net operating income $12,828
    Securities gains (or losses, -) $56
    Income before extraordinary items $10,247
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $10,247
    Minority interest net income $0
    Net income $10,247
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $10,202

    Community National Bank & Trust's gross interest income from loans was $55,113,000.
    Community National Bank & Trust's net interest income from loans was $43,382,000.
    Community National Bank & Trust's fee based income from loans was $2,945,000.
    Community National Bank & Trust's net income from loans was $10,247,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,731
    Provision for credit losses $2,225
    Total noninterest expense $40,587
    Salaries and employee benefits $22,865
    Premises and equipment expense $7,142
    Additional noninterest expense $10,580
    Applicable income taxes $2,637
    Net charge-offs $1,906
    Cash dividends $0

    Community National Bank & Trust's interest expense for loans was $11,731,000.
    Community National Bank & Trust's payroll and benefits expense were $22,865,000.
    Community National Bank & Trust's property, plant and equipment expenses $7,142,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.1%
    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 $1,116,346
    Deposits held in domestic offices $1,116,346
    Deposits by Individuals, partnerships, and corporations $969,582
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $142,490
    Deposits by Commercial banks and other depository institutions in U.S. $4,274
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $81,039
    Demand deposits $80,236
    Nontransaction accounts $1,035,307
    Money market deposit accounts (MMDAs) $100,701
    Other savings deposits (excluding MMDAs) $613,281
    Total time deposits $321,325
    Total time and savings deposits $1,036,110
    Noninterest-bearing deposits $174,131
    Interest-bearing deposits $942,216
    Retail deposits $1,062,147
    IRAs and Keogh plan accounts $24,991
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,323,331
    Cash & Balances due from depository institutions $107,749
    Interest-bearing balances $80,563
    Total securities $222,603
    Federal funds sold & reverse repurchase $6,438
    Net loans and leases $887,426
    Loan and leases loss allowance $10,823
    Trading account assets $0
    Bank premises and fixed assets $41,133
    Other real estate owned $4,827
    Goodwill and other intangibles $17,159
    All other assets $35,996

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,323,331
    Total Liabilities $1,196,768
    Total deposits $1,116,346
    Interest-bearing deposits $942,216
    Deposits held in domestic offices $1,116,346
    % insured (estimated) $91
    Federal funds purchased and repurchase agreements $43,594
    Trading liabilities $0
    Other borrowed funds $22,500
    Subordinated debt $0
    All other liabilities $14,328

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $887,426
    Loan and leases loss allowance $10,823
    Total loans and leases (domestic) $898,249
    All real estate loans $617,178
    Real estate loans in domestic offices $617,178
    Construction and development loans $27,345
    Residential 1-4 family construction $13,848
    Other construction, all land development and other land $13,497
    Loans secured by nonfarm nonresidential properties $215,683
    Nonfarm nonresidential secured by owner-occupied properties $147,979
    Commercial real estate & other non-farm, non-residential $67,704
    Multifamily residential real estate $25,943
    1-4 family residential loans $224,041
    Farmland loans $124,166
    Loans held in foreign offices $0
    Farm loans $95,865
    Commercial and industrial loans $111,972
    To non-U.S. addressees $0
    Loans to individuals $35,569
    Credit card loans $2,116
    Related Plans $558
    Consumer Auto Loans $24,327
    Other loans to individuals $8,568
    All other loans & leases $37,665
    Loans to foreign governments and official institutions $0
    Other loans $2,862
    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 $774
    Non 1-4 family restructured loans & leases $774
    Total loans and leases (foreign) $0

    Community National Bank & Trust had $887,426,000 of loans outstanding in 2019. $617,178,000 of loans were in real estate loans. $27,345,000 of loans were in development loans. $25,943,000 of loans were in multifamily mortgage loans. $224,041,000 of loans were in 1-4 family mortgage loans. $95,865,000 of loans were in farm loans. $2,116,000 of loans were in credit card loans. $24,327,000 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 691 $113,925 $164,870
    Nonfarm, nonresidential loans - <$100k 312 $11,596 $37,167
    Nonfarm, nonresidential loans - $100-250k 174 $23,073 $132,603
    Nonfarm, nonresidential loans - $250k-1MM 205 $79,256 $386,615
    Commercial & Industrial, US addressed loans - <$1MM 1,417 $77,106 $54,415
    Commercial & Industrial, US addressed loans - <$100k 1,131 $23,630 $20,893
    Commercial & Industrial, US addressed loans - $100-250k 144 $13,577 $94,285
    Commercial & Industrial, US addressed loans - $250k-1MM 142 $39,899 $280,979
    Farmland loans - <$1MM 841 $69,376 $82,492
    Farmland loans - <$100k 476 $16,794 $35,282
    Farmland loans - $100-250k 272 $29,802 $109,566
    Farmland loans - $250k-1MM 93 $22,780 $244,946
    Agriculture operations loans - <$1MM 1,473 $56,974 $38,679
    Agriculture operations loans - <$100k 1,270 $27,839 $21,920
    Agriculture operations loans - $100-250k 141 $14,375 $101,950
    Agriculture operations loans - $250k-1MM 62 $14,760 $238,065