Carter Bank & Trust Mortgage Rates, Fees & Info

Martinsville, VA

LEI: 549300SO0M022D8D8358

Tax ID: 20-5539935

5 stars - out of 5 stars, based on 18 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Carter Bank & Trust is a smaller bank specializing in Refi and Home Purchase loans. Carter Bank & Trust has a high proportion of conventional loans. Their top markets include Charlottesville, Charlotte, Myrtle Beach, Roanoke, and New Bern among others. Carter Bank & Trust has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Carter Bank & Trust is typically an average fee lendor.


Originations

321

Origination Dollar Volume (All Markets)

$220,905,000

Employee count

728

Awards

Carter Bank & Trust 30 Year Conventional Loans silver
Show all (1) awards

Relative Rate

Carter Bank & Trust's average 30 year fixed rate mortgage of loans were 3.02%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.13%.

Relative Fees

Carter Bank & Trust's average total fees for a 30 year fixed rate mortgage are $4,019.

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 $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
CHARLOTTESVILLE, VA (FHA|USDA|VA) 20 $34,350,000 $1,717,500 $3,393 3.43%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 23 $34,125,000 $1,483,696 $4,430 3.80%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $31,240,000 $15,620,000 $0 3.63%
ROANOKE, VA (FHA|USDA|VA) 55 $27,505,000 $500,091 $3,203 3.24%
NEW BERN, NC (FHA|USDA|VA) 1 $27,005,000 $27,005,000 $0 3.13%
Wilson, NC (FHA|USDA|VA) 1 $11,655,000 $11,655,000 $0 4.65%
LYNCHBURG, VA (FHA|USDA|VA) 36 $9,320,000 $258,889 $3,106 3.44%
SUMTER, SC (FHA|USDA|VA) 1 $9,205,000 $9,205,000 $0 3.00%
Outside of Metro Areas 55 $8,905,000 $161,909 $2,576 3.40%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 11 $4,235,000 $385,000 $2,459 3.73%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $4,230,000 $1,057,500 $5,427 3.61%
Danville, VA (FHA|USDA|VA) 31 $4,105,000 $132,419 $4,071 3.55%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $2,695,000 $2,695,000 $0 4.35%
Martinsville, VA (FHA|USDA|VA) 30 $2,370,000 $79,000 $2,407 3.39%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 8 $1,590,000 $198,750 $2,313 3.51%
Washington, NC (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $7,137 2.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 15 $1,185,000 $79,000 $2,735 3.68%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $1,070,000 $267,500 $0 4.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 3.75%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $805,000 $268,333 $1,673 4.04%
Shelby, NC (FHA|USDA|VA) 2 $670,000 $335,000 $14 4.13%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $655,000 $655,000 $0 3.88%
STAUNTON, VA (FHA|USDA|VA) 3 $455,000 $151,667 $2,782 2.63%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $330,000 $82,500 $2,689 3.31%
Brevard, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.25%
Mount Airy, NC (FHA|USDA|VA) 3 $235,000 $78,333 $2,506 5.13%
Georgetown, SC (FHA|USDA|VA) 1 $145,000 $145,000 $3,156 2.50%
Big Stone Gap, VA (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.13%
Henderson, NC (FHA|USDA|VA) 1 $35,000 $35,000 $1,887 7.88%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $35,000 $35,000 $1,721 3.88%

Carter Bank & Trust's top markets include Charlottesville, Charlotte, Myrtle Beach, Roanoke, and New Bern among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 321 $220,905,000 $688,178 $2,881 3.50%

For the 2021 period, Carter Bank & Trust's most frequently originated loan type of loans were Conventional, with 321 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 97 $55,555,000 $572,732 $2,847 3.23%
Home Purchase 89 $154,175,000 $1,732,303 $3,411 3.87%
Other 74 $6,020,000 $81,351 $2,144 3.46%
Home Improvement 61 $5,155,000 $84,508 $1,666 3.44%

For the 2021, Carter Bank & Trust's most frequently cited loan purpose of loans were Refi, with 97 originations. The 2nd most popular reason of loans were Home Purchase, with 89 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
20 Year 170 $14,710,000 $86,529 $1,584 3.43%
15 Year 61 $9,575,000 $156,967 $2,717 3.09%
10 Year 33 $42,465,000 $1,286,818 $1,632 4.26%
Other 17 $13,055,000 $767,941 $0 4.04%
30 Year 16 $9,150,000 $571,875 $4,019 3.02%
5 Year 15 $114,515,000 $7,634,333 $2,005 3.83%
1 Year 6 $1,970,000 $328,333 $0 3.96%
3 Year 3 $15,465,000 $5,155,000 $0 4.22%

For the 2021, Carter Bank & Trust's most frequently cited loan length of loans were 20 Year, with 170 originations. The 2nd most popular length of loans were 15 Year, with 61 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 57 $17,405,000 $305,351
$<1k 26 $1,520,000 $58,462

$4,019 of loans were Carter Bank & Trust's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 57 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 154 $102,340,000 $664,545
2.5-3% 69 $56,285,000 $815,725
4-5% 45 $53,295,000 $1,184,333
<2.5% 40 $8,200,000 $205,000
5-6% 6 $400,000 $66,667
7-8% 4 $240,000 $60,000
6-7% 3 $145,000 $48,333

During 2021, Carter Bank & Trust's average interest rate of loans were 3.02%, while their most frequently originated rate bucket of loans were 3-4%, with 154 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 159 $8,515,000 $53,553 $2,147 3.57%
$100k-200k 70 $9,070,000 $129,571 $3,041 3.29%
$200k-400k 44 $11,710,000 $266,136 $3,091 3.44%
$1MM+ 28 $179,440,000 $6,408,571 $6,382 3.65%
$400k-600k 10 $4,740,000 $474,000 $4,298 3.52%
$600k-1MM 10 $7,430,000 $743,000 $5,020 3.62%

2021 saw Carter Bank & Trust place emphasis on $100,000 or less loans with 159 originations, totaling $8,515,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 73 $4,375,000 $59,932 $2,097 3.51%
$50k-75k 61 $6,235,000 $102,213 $2,629 3.44%
$100k-150k 38 $6,020,000 $158,421 $3,507 3.10%
$75k-100k 34 $3,930,000 $115,588 $2,828 3.35%
$150k-250k 14 $3,320,000 $237,143 $3,597 3.23%
$250k+ 13 $11,685,000 $898,846 $5,766 3.53%

Carter Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 73 originations. The second most popular income band? $50k-75k, with 61 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 76 $10,200,000 $134,211 $3,063 3.35%
<20% 63 $5,695,000 $90,397 $2,723 3.19%
30-36% 49 $9,075,000 $185,204 $3,016 3.45%
41% 10 $960,000 $96,000 $2,742 3.53%
42% 9 $1,675,000 $186,111 $3,909 3.33%
38% 8 $1,790,000 $223,750 $3,389 3.03%
36% 8 $1,130,000 $141,250 $1,998 4.42%
37% 7 $655,000 $93,571 $2,933 3.29%
40% 4 $250,000 $62,500 $1,509 3.16%
39% 4 $620,000 $155,000 $2,490 3.13%
44% 2 $250,000 $125,000 $2,888 3.13%
46% 2 $320,000 $160,000 $2,747 2.44%
43% 1 $355,000 $355,000 $2,661 2.50%
45% 1 $135,000 $135,000 $2,732 2.75%
47% 1 $125,000 $125,000 $2,786 2.75%

Carter Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 76 originations. The next most common DTI ratio? <20%, with 63 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
Not applicable 64 $182,990,000 $2,859,219 $0 3.94%
White 226 $30,150,000 $133,407 $2,831 3.40%
Not provided 10 $6,090,000 $609,000 $3,752 2.78%
Black 16 $960,000 $60,000 $1,947 3.62%
Asian Indian 2 $320,000 $160,000 $3,108 2.94%
Vietnamese 1 $205,000 $205,000 $0 3.75%
American Indian 1 $95,000 $95,000 $0 3.50%
Asian 1 $95,000 $95,000 $0 3.50%

Approval Rates

Total approvals of all applications
88.74%

Carter Bank & Trust has an average approval rate.

Pick Rate

Approvals leading to origination
80.49%

Carter Bank & Trust has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 321 $220,905,000 $688,178

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
321 $220,905,000 $688,178

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 81 $19,075,000 $235,494 $2,541 3.38%
40-60% 65 $73,875,000 $1,136,538 $2,975 3.41%
60-80% 99 $113,275,000 $1,144,192 $2,981 3.64%
80-100% 30 $11,780,000 $392,667 $2,966 3.82%
Over 100% 1 $55,000 $55,000 $1,956 3.63%
Under 20% 45 $2,845,000 $63,222 $0 3.33%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Carter Bank & Trust 1001 South Horner Blvd. Sanford, NC 27330 Full Service B&M $12,082
Carter Bank & Trust 128 Paul Street Collinsville, VA 24078 Full Service B&M $72,435
Carter Bank & Trust 1900 East Main Street Radford, VA 24141 Full Service B&M $46,625
Carter Bank & Trust 200 College Street, N.W. Christiansburg, VA 24073 Full Service B&M $53,397
Carter Bank & Trust 200 Forest Hills Road Wilson, NC 27896 Full Service B&M $11,879
Carter Bank & Trust 2018 Tate Springs Road Lynchburg, VA 24501 Full Service B&M $26,167
Carter Bank & Trust 205 South Bickett Boulevard Louisburg, NC 27549 Full Service B&M $9,971
Carter Bank & Trust 213 North Locust Street Floyd, VA 24091 Full Service B&M $68,519
Carter Bank & Trust 220 Main Street Hillsville, VA 24343 Full Service B&M $147,769
Carter Bank & Trust 222 Main Street South Boston, VA 24592 Full Service B&M $74,793
Carter Bank & Trust 231 East Plaza Drive Mooresville, NC 28115 Full Service B&M $33,831
Carter Bank & Trust 2657 Peters Creek Road, N.W. Roanoke, VA 24017 Full Service B&M $19,862
Carter Bank & Trust 2770 Riverside Drive Bassett, VA 24055 Full Service B&M $97,741
Carter Bank & Trust 30 Franklin Rd, Ste 400 Roanoke, VA 24011 Full Service B&M $3,539
Carter Bank & Trust 300 Dabney Drive Ext. Henderson, NC 27536 Full Service B&M $19,606
Carter Bank & Trust 449 E. Main Street Independence, VA 24348 Full Service B&M $35,965
Carter Bank & Trust 4498 South Amherst Highway Madison Heights, VA 24572 Full Service B&M $25,495
Carter Bank & Trust 50 Boones Mill Road Boones Mill, VA 24065 Full Service B&M $50,447
Carter Bank & Trust 507 Willow Street Mount Airy, NC 27030 Full Service B&M $39,380
Carter Bank & Trust 543 East Stuart Drive Galax, VA 24333 Full Service B&M $139,378
Carter Bank & Trust 55 Worth Avenue Stafford, VA 22554 Full Service B&M $95,585
Carter Bank & Trust 550 Blue Ridge Avenue Bedford, VA 24523 Full Service B&M $93,279
Carter Bank & Trust 5715 W. Gate City Blvd Greensboro, NC 27407 Full Service B&M $22,662
Carter Bank & Trust 6142 Al Philpott Hwy Martinsville, VA 24112 Full Service B&M $22,281
Carter Bank & Trust 616 9th Street, Se Roanoke, VA 24013 Full Service B&M $19,348
Carter Bank & Trust 630 Fagg Drive Eden, NC 27288 Full Service B&M $78,482
Carter Bank & Trust 697 Country Club Drive Fayetteville, NC 28301 Full Service B&M $24,579
Carter Bank & Trust 70 Chatham Heights Road Fredericksburg, VA 22405 Full Service B&M $23,977
Carter Bank & Trust 1330 Parham Circle Charlottesville, VA 22902 Full Service B&M $2,653
Carter Bank & Trust 135 Scruggs Road Moneta, VA 24121 Full Service B&M $48,259
Carter Bank & Trust 140 Kentuck Road Danville, VA 24540 Full Service B&M $38,103
Carter Bank & Trust 140 South Main Street Chatham, VA 24531 Full Service B&M $54,907
Carter Bank & Trust 140 Tensbury Drive Martinsville, VA 24112 Full Service B&M $51,829
Carter Bank & Trust 1400 Electric Road Salem, VA 24153 Full Service B&M $22,297
Carter Bank & Trust 141 Westover Drive Danville, VA 24541 Full Service B&M $190,955
Carter Bank & Trust 1621 Forest Road Bedford, VA 24523 Full Service B&M $17,970
Carter Bank & Trust 166 Horsepasture Price Road Ridgeway, VA 24148 Full Service B&M $28,087
Carter Bank & Trust 1722 Hershberger Road Roanoke, VA 24012 Full Service B&M $40,658
Carter Bank & Trust 1728 Graves Mill Road Lynchburg, VA 24502 Full Service B&M $22,422
Carter Bank & Trust 175 Warrenton Road Falmouth, VA 22405 Full Service B&M $43,248
Carter Bank & Trust 181 Main Street New Castle, VA 24127 Full Service B&M $23,257
Carter Bank & Trust 305 South Main Street Reidsville, NC 27320 Full Service B&M $49,224
Carter Bank & Trust 3060 North Main Street Danville, VA 24540 Full Service B&M $71,986
Carter Bank & Trust 307 South Main Street Gretna, VA 24557 Full Service B&M $101,261
Carter Bank & Trust 3132 Electric Road, S.W. Roanoke, VA 24018 Full Service B&M $31,449
Carter Bank & Trust 3203 Waterlick Road Lynchburg, VA 24502 Full Service B&M $110,857
Carter Bank & Trust 325 East Spring Street Wytheville, VA 24382 Full Service B&M $45,818
Carter Bank & Trust 3305 Battleground Avenue Greensboro, NC 27410 Full Service B&M $25,513
Carter Bank & Trust 3515 Campbell Avenue Lynchburg, VA 24501 Full Service B&M $30,543
Carter Bank & Trust 370 Arbor Drive Christiansburg, VA 24073 Full Service B&M $27,474
Carter Bank & Trust 4 East Commonwealth Boulevard Martinsville, VA 24112 Full Service B&M $302,402
Carter Bank & Trust 400 Franklin Street Rocky Mount, VA 24151 Full Service B&M $197,762
Carter Bank & Trust 4013 Halifax Road South Boston, VA 24592 Full Service B&M $81,700
Carter Bank & Trust 4143 Franklin Rd Sw Roanoke, VA 24018 Full Service B&M $19,110
Carter Bank & Trust 749 East 2nd Street Chase City, VA 23924 Full Service B&M $54,928
Carter Bank & Trust 800 Gardens Boulevard Charlottesville, VA 22901 Full Service B&M $13,305
Carter Bank & Trust 806 Nottingham Street Culpeper, VA 22701 Full Service B&M $12,688
Carter Bank & Trust 823 North Main Street Roxboro, NC 27573 Full Service B&M $26,644
Carter Bank & Trust 903 South Main Street Danville, VA 24541 Full Service B&M $46,752
Carter Bank & Trust 9440 Franklin Street Ferrum, VA 24088 Full Service B&M $31,625
Carter Bank & Trust 998 Memorial Drive Pulaski, VA 24301 Full Service B&M $29,349
Carter Bank & Trust 1002 Virginia Avenue Clarksville, VA 23927 Full Service B&M $35,260
Carter Bank & Trust 101 East Raleigh Street Siler City, NC 27344 Full Service B&M $19,493
Carter Bank & Trust 10407 Courthouse Road Spotsylvania, VA 22553 Full Service B&M $33,591
Carter Bank & Trust 105 King Street Blacksburg, VA 24060 Full Service B&M $40,692
Carter Bank & Trust 1111 E Washington Ave Vinton, VA 24179 Full Service B&M $60,259
Carter Bank & Trust 1113 5th St Sw Charlottesville, VA 22902 Full Service B&M $7,331
Carter Bank & Trust 116 East Midland Trail Lexington, VA 24450 Full Service B&M $76,649
Carter Bank & Trust 1201 Battleground Ave Greensboro, NC 27408 Full Service B&M $2,022
Carter Bank & Trust 1204 Bragg Road Fredericksburg, VA 22407 Full Service B&M $27,443
Carter Bank & Trust 125 East Blue Ridge Street Stuart, VA 24171 Full Service B&M $93,378

For 2021, Carter Bank & Trust had 71 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $133,897
Net interest income $111,183
Total noninterest income $19,358
Gross Fiduciary activities income $0
Service charges on deposit accounts $5,036
Trading account gains and fees $0
Additional Noninterest Income $14,322
Pre-tax net operating income $31,067
Securities gains (or losses, -) $6,869
Income before extraordinary items $33,382
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $33,382
Minority interest net income $0
Net income $33,382
Sale, conversion, retirement of capital stock, net $0
Net operating income $27,337

Carter Bank & Trust's gross interest income from loans was $133,897,000.
Carter Bank & Trust's net interest income from loans was $111,183,000.
Carter Bank & Trust's fee based income from loans was $5,036,000.
Carter Bank & Trust's net income from loans was $33,382,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $22,714
Provision for credit losses $2,081
Total noninterest expense $97,393
Salaries and employee benefits $53,117
Premises and equipment expense $13,556
Additional noninterest expense $30,720
Applicable income taxes $4,554
Net charge-offs $23,126
Cash dividends $0

Carter Bank & Trust's interest expense for loans was $22,714,000.
Carter Bank & Trust's payroll and benefits expense were $53,117,000.
Carter Bank & Trust's property, plant and equipment expenses $13,556,000.

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 1.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $3,703,618
Deposits held in domestic offices $3,703,618
Deposits by Individuals, partnerships, and corporations $3,520,100
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $182,361
Deposits by Commercial banks and other depository institutions in U.S. $1,157
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $75,311
Demand deposits $63,016
Nontransaction accounts $3,628,307
Money market deposit accounts (MMDAs) $1,593,440
Other savings deposits (excluding MMDAs) $690,549
Total time deposits $1,344,318
Total time and savings deposits $3,640,602
Noninterest-bearing deposits $63,016
Interest-bearing deposits $3,640,602
Retail deposits $3,556,484
IRAs and Keogh plan accounts $348,588
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $4,133,175
Cash & Balances due from depository institutions $277,799
Interest-bearing balances $241,101
Total securities $922,400
Federal funds sold & reverse repurchase $0
Net loans and leases $2,716,418
Loan and leases loss allowance $95,939
Trading account assets $3,508
Bank premises and fixed assets $78,566
Other real estate owned $10,916
Goodwill and other intangibles $0
All other assets $123,568

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $4,133,175
Total Liabilities $3,730,985
Total deposits $3,703,618
Interest-bearing deposits $3,640,602
Deposits held in domestic offices $3,703,618
% insured (estimated) $89
Federal funds purchased and repurchase agreements $0
Trading liabilities $3,682
Other borrowed funds $10,379
Subordinated debt $0
All other liabilities $13,306

Issued Loan Types

Type Value (in 000's)
Net loans and leases $2,716,418
Loan and leases loss allowance $95,939
Total loans and leases (domestic) $2,812,357
All real estate loans $2,346,315
Real estate loans in domestic offices $2,346,315
Construction and development loans $391,383
Residential 1-4 family construction $35,987
Other construction, all land development and other land $355,396
Loans secured by nonfarm nonresidential properties $1,198,233
Nonfarm nonresidential secured by owner-occupied properties $55,130
Commercial real estate & other non-farm, non-residential $1,143,103
Multifamily residential real estate $256,872
1-4 family residential loans $499,098
Farmland loans $729
Loans held in foreign offices $0
Farm loans $218
Commercial and industrial loans $247,168
To non-U.S. addressees $0
Loans to individuals $44,646
Credit card loans $0
Related Plans $0
Consumer Auto Loans $3,294
Other loans to individuals $41,352
All other loans & leases $174,010
Loans to foreign governments and official institutions $0
Other loans $20
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $4,651
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $78,036
Non 1-4 family restructured loans & leases $78,036
Total loans and leases (foreign) $0

Carter Bank & Trust had $2,716,418,000 of loans outstanding in 2021. $2,346,315,000 of loans were in real estate loans. $391,383,000 of loans were in development loans. $256,872,000 of loans were in multifamily mortgage loans. $499,098,000 of loans were in 1-4 family mortgage loans. $218,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,294,000 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 375 $93,222 $248,592
Nonfarm, nonresidential loans - <$100k 69 $2,264 $32,812
Nonfarm, nonresidential loans - $100-250k 117 $13,391 $114,453
Nonfarm, nonresidential loans - $250k-1MM 189 $77,567 $410,407
Commercial & Industrial, US addressed loans - <$1MM 995 $80,443 $80,847
Commercial & Industrial, US addressed loans - <$100k 597 $18,341 $30,722
Commercial & Industrial, US addressed loans - $100-250k 278 $31,170 $112,122
Commercial & Industrial, US addressed loans - $250k-1MM 120 $30,932 $257,767
Farmland loans - <$1MM 8 $147 $18,375
Farmland loans - <$100k 8 $147 $18,375
Agriculture operations loans - <$1MM 12 $218 $18,167
Agriculture operations loans - <$100k 12 $218 $18,167