Citizens National Bank Of Greater St. Louis Mortgage Rates, Fees & Info

Maplewood, MO

LEI: 549300RM0VO0UBTMOZ05

Tax ID: 43-0216490

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Citizens National Bank Of Greater St. Louis is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Citizens National Bank Of Greater St. Louis 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: St. Louis, Baltimore, Chicago, Kansas City, and New York among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)

Citizens National Bank Of Greater St. Louis 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. Citizens National Bank Of Greater St. Louis 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
30 Year Conventional Purchase	6.64%	11/21/24
30 Year Conventional Refi	6.32%	11/21/24
30 Year Cash-out Refi	6.15%	11/21/24
30 Year FHA Purchase	6.27%	11/21/24
30 Year VA Purchase	6.03%	11/21/24
15 Year Conventional Purchase	5.77%	11/21/24
15 Year Conventional Refi	5.76%	11/21/24
15 Year Cash-out Refi	5.76%	11/21/24
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.

Citizens National Bank Of Greater St. Louis Mortgage Calculator

Purchase Price:

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This is not an official calculator from Citizens National Bank Of Greater St. Louis. 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

545

Origination Dollar Volume (All Markets)

$167,715,000

Employee count

Awards

Citizens National Bank of Greater St. Louis 30 Year Conventional Loans silver

Show all (1) 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
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	493	$150,695,000	$305,669	$2,460	3.20%
Outside of Metro Areas	14	$3,530,000	$252,143	$2,601	3.10%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	2	$1,350,000	$675,000	$3,505	3.44%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	3	$1,235,000	$411,667	$3,394	2.83%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	4	$1,070,000	$267,500	$2,914	2.84%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	2	$690,000	$345,000	$5,393	3.31%
Jackson, WY-ID (FHA\|USDA\|VA)	2	$550,000	$275,000	$2,794	3.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	2	$550,000	$275,000	$2,927	3.19%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$515,000	$515,000	$2,544	2.63%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	1	$515,000	$515,000	$3,280	2.50%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	1	$495,000	$495,000	$3,254	3.00%
CAPE GIRARDEAU, MO-IL (FHA\|USDA\|VA)	1	$495,000	$495,000	$2,671	3.13%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	1	$495,000	$495,000	$4,089	2.63%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$495,000	$495,000	$1,747	2.75%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$455,000	$455,000	$3,644	2.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$415,000	$415,000	$5,044	2.88%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	1	$375,000	$375,000	$3,279	3.00%
BOULDER, CO (FHA\|USDA\|VA)	1	$365,000	$365,000	$2,487	2.88%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	1	$365,000	$365,000	$5,880	3.00%
SANTA FE, NM (FHA\|USDA\|VA)	1	$365,000	$365,000	$4,745	3.38%
GREELEY, CO (FHA\|USDA\|VA)	1	$345,000	$345,000	$6,081	3.38%
TYLER, TX (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,832	2.75%
GRANTS PASS, OR (FHA\|USDA\|VA)	1	$335,000	$335,000	$3,782	2.88%
BEND, OR (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,542	3.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,241	2.88%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,991	2.38%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,680	3.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,008	3.13%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,390	3.38%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,070	3.13%
Branson, MO (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	4.25%

Citizens National Bank Of Greater St. Louis's top markets include St. Louis, Baltimore, Chicago, Kansas City, and New York among others.

Their top states include:

Missouri (FHA|USDA|VA)

Illinois (FHA|USDA|VA)

Maryland (FHA|USDA|VA)

Colorado (FHA|USDA|VA)

Tennessee (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Citizens National Bank of Greater St. Louis based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

HNB National Bank
Similarity Rank: 165

United Bank of Union
Similarity Rank: 245

CapGrow Home Mortgage, LLC
Similarity Rank: 352

Prairie State Bank and Trust
Similarity Rank: 360

D.W. BROWN MORTGAGE CORP.
Similarity Rank: 428

Ozarks Federal Savings and Loan Association
Similarity Rank: 770

ELECTRO SAVINGS CREDIT UNION
Similarity Rank: 1090

MISSOURI Credit Union
Similarity Rank: 1216

INB
Similarity Rank: 1241

ALLTRU Federal Credit Union
Similarity Rank: 1316

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	527	$163,695,000	$310,617	$2,460	3.19%
FHA	10	$1,700,000	$170,000	$5,843	2.90%
VA	8	$2,320,000	$290,000	$3,247	2.86%

For 2020, Citizens National Bank Of Greater St. Louis's most frequently originated type of loan was Conventional, with 527 originations. Their 2nd most popular type was FHA, with 10 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	303	$95,145,000	$314,010	$2,240	3.06%
Home Purchase	133	$38,435,000	$288,985	$3,517	3.35%
Cash Out Refi	107	$34,075,000	$318,458	$2,378	3.30%
Home Improvement	2	$60,000	$30,000	$0	5.00%

For 2020, Citizens National Bank Of Greater St. Louis's most frequently cited loan purpose was Refi, with 303 originations. The 2nd most popular reason was Home Purchase, with 133 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	348	$104,770,000	$301,063	$2,642	3.21%
15 Year	110	$32,110,000	$291,909	$2,335	2.77%
5 Year	31	$13,945,000	$449,839	$0	3.95%
Other	21	$6,315,000	$300,714	$2,214	3.16%
20 Year	21	$5,945,000	$283,095	$2,147	3.63%
10 Year	9	$3,155,000	$350,556	$2,464	2.82%
1 Year	4	$1,450,000	$362,500	$0	4.75%
3 Year	1	$25,000	$25,000	$0	4.75%

For 2020, Citizens National Bank Of Greater St. Louis's most frequently cited loan duration was 30 Year, with 348 originations. The 2nd most popular length was 15 Year, with 110 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	489	$147,515,000	$301,667
$1k-2k	4	$880,000	$220,000

Citizens National Bank Of Greater St. Louis's average total fees were $2,642, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 489 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	262	$78,710,000	$300,420
2.5-3%	196	$62,480,000	$318,776
<2.5%	52	$17,630,000	$339,038
4-5%	31	$8,325,000	$268,548
5-6%	3	$355,000	$118,333
6-7%	1	$215,000	$215,000

During 2020, Citizens National Bank Of Greater St. Louis's average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 3-4%, with 262 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	265	$77,725,000	$293,302	$2,586	3.07%
$100k-200k	118	$18,110,000	$153,475	$2,411	3.35%
$400k-600k	115	$53,745,000	$467,348	$2,600	2.99%
$100,000 or less	30	$2,320,000	$77,333	$2,228	3.86%
$600k-1MM	12	$9,780,000	$815,000	$2,716	3.78%
$1MM+	5	$6,035,000	$1,207,000	$3,640	4.14%

2020 saw Citizens National Bank Of Greater St. Louis place emphasis on $200k-400k loans with 265 originations, totaling $77,725,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$150k-250k	125	$44,775,000	$358,200	$2,556	2.99%
$100k-150k	111	$32,195,000	$290,045	$2,423	3.11%
$250k+	95	$38,885,000	$409,316	$2,542	3.07%
$75k-100k	80	$18,860,000	$235,750	$2,538	3.22%
$50k-75k	60	$11,780,000	$196,333	$2,622	3.19%
$50k or less	33	$4,385,000	$132,879	$2,726	3.30%

Citizens National Bank Of Greater St. Louis lent most frequently to those with incomes in the $150k-250k range, with 125 originations. The second most popular income band? $100k-150k, with 111 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	164	$48,460,000	$295,488	$2,524	3.06%
30-36%	93	$27,985,000	$300,914	$2,514	3.08%
<20%	89	$28,275,000	$317,697	$2,398	3.04%
41%	20	$6,960,000	$348,000	$2,361	3.16%
37%	18	$4,990,000	$277,222	$2,630	3.11%
38%	14	$4,040,000	$288,571	$2,395	3.14%
39%	14	$3,960,000	$282,857	$2,660	3.17%
40%	13	$3,095,000	$238,077	$2,439	3.17%
36%	13	$4,295,000	$330,385	$2,507	3.27%
43%	12	$3,720,000	$310,000	$2,047	3.27%
42%	10	$3,130,000	$313,000	$2,448	3.31%
44%	10	$3,140,000	$314,000	$2,220	3.11%
45%	10	$2,210,000	$221,000	$3,211	3.16%
47%	6	$1,690,000	$281,667	$2,929	3.46%
46%	5	$1,615,000	$323,000	$3,773	3.05%
48%	4	$870,000	$217,500	$2,621	3.56%
49%	4	$1,140,000	$285,000	$3,916	3.06%
50-60%	4	$870,000	$217,500	$5,257	2.97%

Citizens National Bank Of Greater St. Louis lent most frequently to those with DTI ratios of 20-30%, with 164 originations. The next most common DTI ratio? 30-36%, with 93 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	336	$104,020,000	$309,583	$2,527	3.19%
Asian	170	$49,720,000	$292,471	$2,552	2.97%
Not applicable	35	$13,145,000	$375,571	$0	4.19%
Black	4	$830,000	$207,500	$3,187	3.16%

Approval Rates

Total approvals of all applications
96.71%

Citizens National Bank Of Greater St. Louis has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
89.36%

Citizens National Bank Of Greater St. Louis has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	545	$167,715,000	$307,734

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	12	$9,770,000	$814,167
Single Family (1-4 Units):Site-Built	533	$157,945,000	$296,332

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	31	$7,885,000	$254,355	$2,257	3.03%
40-60%	105	$32,885,000	$313,190	$2,401	3.00%
60-80%	280	$92,010,000	$328,607	$2,430	3.24%
80-100%	121	$33,415,000	$276,157	$2,995	3.22%
Over 100%	4	$1,150,000	$287,500	$3,167	3.34%
Under 20%	4	$370,000	$92,500	$207	4.19%

Complaints

Bank Name	Product	Issue	2020 CPFB Complaints	% of Total Issues
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	35	12.8%
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Closing on a mortgage	13	4.7%
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Credit monitoring or identity theft protection services	1	0.4%
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Incorrect information on your report	5	1.8%
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	1	0.4%
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Struggling to pay mortgage	26	9.5%
CITIZENS FINANCIAL GROUP, INC.	Conventional home mortgage	Trouble during payment process	109	39.8%
CITIZENS FINANCIAL GROUP, INC.	FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	3	1.1%
CITIZENS FINANCIAL GROUP, INC.	FHA mortgage	Struggling to pay mortgage	6	2.2%
CITIZENS FINANCIAL GROUP, INC.	FHA mortgage	Trouble during payment process	7	2.6%
CITIZENS FINANCIAL GROUP, INC.	Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	8	2.9%
CITIZENS FINANCIAL GROUP, INC.	Home equity loan or line of credit (HELOC)	Closing on a mortgage	3	1.1%
CITIZENS FINANCIAL GROUP, INC.	Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	6	2.2%
CITIZENS FINANCIAL GROUP, INC.	Home equity loan or line of credit (HELOC)	Trouble during payment process	20	7.3%
CITIZENS FINANCIAL GROUP, INC.	Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	7	2.6%
CITIZENS FINANCIAL GROUP, INC.	Other type of mortgage	Closing on a mortgage	4	1.5%
CITIZENS FINANCIAL GROUP, INC.	Other type of mortgage	Struggling to pay mortgage	2	0.7%
CITIZENS FINANCIAL GROUP, INC.	Other type of mortgage	Trouble during payment process	11	4.0%
CITIZENS FINANCIAL GROUP, INC.	VA mortgage	Struggling to pay mortgage	3	1.1%
CITIZENS FINANCIAL GROUP, INC.	VA mortgage	Trouble during payment process	4	1.5%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Citizens National Bank of Greater St. Louis	11812 Dorsett Road Maryland Heights, MO 63043	Full Service B&M	$57,404
Citizens National Bank of Greater St. Louis	2145 Bluestone Drive, Hwy 94 @ Portwest Drive Saint Charles, MO 63303	Full Service B&M	$32,970
Citizens National Bank of Greater St. Louis	430 St. Ferdinand Florissant, MO 63031	Full Service B&M	$99,467
Citizens National Bank of Greater St. Louis	671 Salt Lick Road St. Peters, MO 63376	Full Service B&M	$50,091
Citizens National Bank of Greater St. Louis	7305 Manchester Avenue Maplewood, MO 63143	Full Service B&M	$188,578
Citizens National Bank of Greater St. Louis	9111 Mackenzie Road Affton, MO 63123	Full Service B&M	$58,636

For 2020, Citizens National Bank Of Greater St. Louis had 6 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$22,167
Net interest income	$19,164
Total noninterest income	$3,898
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$846
Trading account gains and fees	$0
Additional Noninterest Income	$3,052
Pre-tax net operating income	$8,651
Securities gains (or losses, -)	$106
Income before extraordinary items	$8,757
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$8,757
Minority interest net income	$0
Net income	$8,757
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$8,651

Citizens National Bank Of Greater St. Louis's gross interest income from loans was $22,167,000.
Citizens National Bank Of Greater St. Louis's net interest income from loans was $19,164,000.
Citizens National Bank Of Greater St. Louis's fee based income from loans was $846,000.
Citizens National Bank Of Greater St. Louis's net income from loans was $8,757,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$3,003
Provision for credit losses	$2,116
Total noninterest expense	$12,295
Salaries and employee benefits	$7,142
Premises and equipment expense	$1,459
Additional noninterest expense	$3,694
Applicable income taxes	$0
Net charge-offs	$-152
Cash dividends	$5,119

Citizens National Bank Of Greater St. Louis's interest expense for loans was $3,003,000.
Citizens National Bank Of Greater St. Louis's payroll and benefits expense were $7,142,000.
Citizens National Bank Of Greater St. Louis's property, plant and equipment expenses $1,459,000.

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	4.0%
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	$519,980
Deposits held in domestic offices	$519,980
Deposits by Individuals, partnerships, and corporations	$472,031
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$47,703
Deposits by Commercial banks and other depository institutions in U.S.	$246
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$181,556
Demand deposits	$86,064
Nontransaction accounts	$338,424
Money market deposit accounts (MMDAs)	$224,544
Other savings deposits (excluding MMDAs)	$2,955
Total time deposits	$110,925
Total time and savings deposits	$433,916
Noninterest-bearing deposits	$147,522
Interest-bearing deposits	$372,457
Retail deposits	$487,949
IRAs and Keogh plan accounts	$18,031
Brokered deposits	$7,246
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$607,654
Cash & Balances due from depository institutions	$21,812
Interest-bearing balances	$13,943
Total securities	$95,673
Federal funds sold & reverse repurchase	$13,555
Net loans and leases	$460,695
Loan and leases loss allowance	$8,423
Trading account assets	$0
Bank premises and fixed assets	$8,555
Other real estate owned	$6
Goodwill and other intangibles	$754
All other assets	$6,604

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$607,654
Total Liabilities	$546,309
Total deposits	$519,980
Interest-bearing deposits	$372,457
Deposits held in domestic offices	$519,980
% insured (estimated)	$68
Federal funds purchased and repurchase agreements	$17,063
Trading liabilities	$0
Other borrowed funds	$5,000
Subordinated debt	$0
All other liabilities	$4,266

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$460,695
Loan and leases loss allowance	$8,423
Total loans and leases (domestic)	$469,118
All real estate loans	$355,985
Real estate loans in domestic offices	$355,985
Construction and development loans	$36,304
Residential 1-4 family construction	$11,061
Other construction, all land development and other land	$25,243
Loans secured by nonfarm nonresidential properties	$211,757
Nonfarm nonresidential secured by owner-occupied properties	$94,435
Commercial real estate & other non-farm, non-residential	$117,322
Multifamily residential real estate	$25,533
1-4 family residential loans	$78,813
Farmland loans	$3,578
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$107,931
To non-U.S. addressees	$0
Loans to individuals	$5,202
Credit card loans	$0
Related Plans	$6
Consumer Auto Loans	$343
Other loans to individuals	$4,853
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	$1,721
Non 1-4 family restructured loans & leases	$1,721
Total loans and leases (foreign)	$0

Citizens National Bank of Greater St. Louis had $460,695,000 of loans outstanding in 2020. $355,985,000 of loans were in real estate loans. $36,304,000 of loans were in development loans. $25,533,000 of loans were in multifamily mortgage loans. $78,813,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $343,000 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	191	$51,730	$270,838
Nonfarm, nonresidential loans - <$100k	27	$824	$30,519
Nonfarm, nonresidential loans - $100-250k	57	$6,402	$112,316
Nonfarm, nonresidential loans - $250k-1MM	107	$44,504	$415,925
Commercial & Industrial, US addressed loans - <$1MM	267	$23,159	$86,738
Commercial & Industrial, US addressed loans - <$100k	155	$3,404	$21,961
Commercial & Industrial, US addressed loans - $100-250k	66	$8,555	$129,621
Commercial & Industrial, US addressed loans - $250k-1MM	46	$11,200	$243,478
Farmland loans - <$1MM	6	$1,178	$196,333
Farmland loans - <$100k	1	$65	$65,000
Farmland loans - $100-250k	1	$155	$155,000
Farmland loans - $250k-1MM	4	$958	$239,500