Incrediblebank Mortgage Rates, Fees & Info

Wausau, WI

LEI: 549300TV5ZED3EINI708

Tax ID: 39-1088977

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Incrediblebank is a smaller bank specializing in Home Purchase and Refi loans. Incrediblebank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Marquette, Wausau, Madison, Houghton, and Iron Mountain among others. We have data for 40 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Incrediblebank 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. Incrediblebank 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
    30 Year Conventional Purchase 6.63% 11/17/24
    30 Year Conventional Refi 6.49% 11/17/24
    30 Year Cash-out Refi 6.70% 11/17/24
    30 Year FHA Purchase 6.27% 11/17/24
    30 Year VA Purchase 6.27% 11/17/24
    30 Year USDA Purchase 6.55% 11/17/24
    30 Year USDA Refi 6.61% 11/17/24
    15 Year Conventional Purchase 5.86% 11/17/24
    15 Year Conventional Refi 5.82% 11/17/24
    15 Year Cash-out Refi 5.82% 11/17/24
    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.

    Incrediblebank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Incrediblebank. 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

    937

    Origination Dollar Volume (All Markets)

    $168,155,000

    Employee count

    258 Show all (17) 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
    Marquette, MI (FHA|USDA|VA) 245 $45,875,000 $187,245 $2,251 4.06%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 246 $42,070,000 $171,016 $2,153 3.96%
    Outside of Metro Areas 233 $40,975,000 $175,858 $2,248 4.05%
    MADISON, WI (FHA|USDA|VA) 39 $11,565,000 $296,538 $2,208 3.97%
    Houghton, MI (FHA|USDA|VA) 58 $8,410,000 $145,000 $2,349 4.22%
    Iron Mountain, MI-WI (FHA|USDA|VA) 39 $4,715,000 $120,897 $2,195 4.05%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 8 $1,950,000 $243,750 $2,286 3.88%
    Stevens Point, WI (FHA|USDA|VA) 6 $1,070,000 $178,333 $2,219 4.29%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $1,000,000 $250,000 $2,718 3.66%
    GREEN BAY, WI (FHA|USDA|VA) 5 $915,000 $183,000 $2,056 3.63%
    MEDFORD, OR (FHA|USDA|VA) 1 $855,000 $855,000 $6,009 3.88%
    Marinette, WI-MI (FHA|USDA|VA) 5 $795,000 $159,000 $2,257 4.23%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 5 $755,000 $151,000 $2,236 3.48%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $500,000 $250,000 $3,639 4.50%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $475,000 $158,333 $2,937 3.54%
    Clewiston, FL (FHA|USDA|VA) 1 $455,000 $455,000 $13,570 6.25%
    Escanaba, MI (FHA|USDA|VA) 3 $445,000 $148,333 $2,657 4.17%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $440,000 $220,000 $1,656 3.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $425,000 $425,000 $1,992 3.75%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $380,000 $190,000 $1,967 3.63%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $340,000 $170,000 $2,182 3.88%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $330,000 $165,000 $2,551 4.80%
    Shawano, WI (FHA|USDA|VA) 3 $285,000 $95,000 $1,981 4.00%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $285,000 $285,000 $2,502 5.75%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $280,000 $140,000 $2,423 3.69%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $260,000 $130,000 $2,170 3.38%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $245,000 $245,000 $1,745 2.88%
    Manitowoc, WI (FHA|USDA|VA) 2 $220,000 $110,000 $2,071 3.56%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $220,000 $110,000 $2,209 4.19%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,700 4.63%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,236 3.88%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $200,000 $100,000 $2,650 3.69%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.25%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,983 3.63%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $135,000 $135,000 $2,438 3.88%
    Holland, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,027 3.25%
    Alexandria, MN (FHA|USDA|VA) 1 $125,000 $125,000 $2,513 4.50%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $125,000 $125,000 $1,331 3.63%
    MUSKEGON, MI (FHA|USDA|VA) 1 $95,000 $95,000 $1,338 3.13%
    FLINT, MI (FHA|USDA|VA) 1 $65,000 $65,000 $2,222 4.00%
    Incrediblebank's top markets include Marquette, Wausau, Madison, Houghton, and Iron Mountain among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)

    • Similar Lenders

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

    Prevail Bank
    Similarity Rank: 48
    Honor Credit Union
    Similarity Rank: 156
    Peoples State Bank
    Similarity Rank: 253
    First Community Credit Union
    Similarity Rank: 290
    Dane County Credit Union
    Similarity Rank: 315
    CoVantage Credit Union
    Similarity Rank: 368
    Heartland Credit Union (Madison)
    Similarity Rank: 384
    The Park Bank
    Similarity Rank: 425
    State Bank of Cross Plains
    Similarity Rank: 481
    Blackhawk Community Credit Union
    Similarity Rank: 493

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 881 $161,805,000 $183,661 $2,167 4.04%
    USDA 56 $6,350,000 $113,393 $3,418 3.82%

    For 2019, Incrediblebank's most frequently originated type of loan was Conventional, with 881 originations. Their 2nd most popular type was USDA, with 56 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 467 $82,145,000 $175,899 $2,608 4.15%
    Refi 272 $53,790,000 $197,757 $1,806 3.75%
    Cash Out Refi 168 $28,770,000 $171,250 $2,031 3.99%
    Home Improvement 15 $1,445,000 $96,333 $1,751 5.39%
    Other 15 $2,005,000 $133,667 $2,073 4.22%

    For 2019, Incrediblebank's most frequently cited loan purpose was Home Purchase, with 467 originations. The 2nd most popular reason was Refi, with 272 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 614 $110,800,000 $180,456 $2,285 4.03%
    15 Year 181 $26,405,000 $145,884 $1,940 3.49%
    20 Year 43 $6,965,000 $161,977 $1,894 3.95%
    10 Year 41 $3,685,000 $89,878 $1,825 5.06%
    30+ year 26 $9,060,000 $348,462 $3,943 4.50%
    5 Year 24 $9,530,000 $397,083 $317 5.32%
    Other 7 $1,515,000 $216,429 $5,631 5.34%
    1 Year 1 $195,000 $195,000 $0 7.00%

    For 2019, Incrediblebank's most frequently cited loan duration was 30 Year, with 614 originations. The 2nd most popular length was 15 Year, with 181 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 851 $148,845,000 $174,906
    $1k-2k 22 $4,810,000 $218,636
    $2k-3k 3 $565,000 $188,333
    $4k-5k 2 $820,000 $410,000
    $3k-4k 1 $215,000 $215,000
    $5k+ 1 $295,000 $295,000

    Incrediblebank's average total fees were $2,285, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 851 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 558 $98,100,000 $175,806
    4-5% 261 $49,145,000 $188,295
    5-6% 51 $11,085,000 $217,353
    2.5-3% 42 $7,150,000 $170,238
    6-7% 17 $2,355,000 $138,529
    7-8% 7 $205,000 $29,286
    <2.5% 1 $115,000 $115,000

    During 2019, Incrediblebank's average interest rate for loans was 4.03%, while their most frequently originated rate bucket for loans was 3-4%, with 558 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 428 $62,630,000 $146,332 $2,206 3.90%
    $200k-400k 259 $70,805,000 $273,378 $2,303 3.98%
    $100,000 or less 216 $14,170,000 $65,602 $2,058 4.29%
    $400k-600k 24 $10,650,000 $443,750 $3,222 4.07%
    $600k-1MM 7 $5,175,000 $739,286 $5,038 4.50%
    $1MM+ 3 $4,725,000 $1,575,000 $0 5.30%

    2019 saw Incrediblebank place emphasis on $100k-200k loans with 428 originations, totaling $62,630,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 217 $30,095,000 $138,687 $2,291 3.98%
    $50k or less 180 $18,540,000 $103,000 $2,202 4.02%
    $75k-100k 167 $29,685,000 $177,754 $2,203 3.91%
    $100k-150k 150 $31,740,000 $211,600 $2,100 3.91%
    $150k-250k 99 $24,295,000 $245,404 $2,334 4.00%
    $250k+ 46 $16,390,000 $356,304 $3,032 4.10%

    Incrediblebank lent most frequently to those with incomes in the $50k-75k range, with 217 originations. The second most popular income band? $50k or less, with 180 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 243 $43,295,000 $178,169 $2,200 3.88%
    30-36% 204 $36,330,000 $178,088 $2,228 3.92%
    <20% 104 $16,950,000 $162,981 $2,124 3.86%
    37% 34 $5,100,000 $150,000 $2,304 3.97%
    36% 33 $5,455,000 $165,303 $2,380 3.85%
    43% 33 $6,925,000 $209,848 $2,403 4.14%
    38% 33 $6,485,000 $196,515 $2,354 3.85%
    42% 31 $5,765,000 $185,968 $2,298 3.91%
    39% 31 $4,625,000 $149,194 $2,142 3.94%
    44% 29 $4,975,000 $171,552 $2,598 3.97%
    41% 29 $5,565,000 $191,897 $2,147 4.04%
    40% 27 $5,595,000 $207,222 $2,493 3.92%
    46% 19 $3,235,000 $170,263 $2,181 4.14%
    47% 12 $2,060,000 $171,667 $2,097 4.07%
    45% 10 $1,980,000 $198,000 $2,319 4.15%
    48% 8 $1,140,000 $142,500 $2,641 3.81%
    50-60% 8 $410,000 $51,250 $2,230 6.66%
    49% 7 $1,405,000 $200,714 $2,184 4.05%
    >60% 1 $295,000 $295,000 $0 6.88%

    Incrediblebank lent most frequently to those with DTI ratios of 20-30%, with 243 originations. The next most common DTI ratio? 30-36%, with 204 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 827 $145,165,000 $175,532 $2,236 3.94%
    Not provided 53 $10,065,000 $189,906 $2,365 4.02%
    Not applicable 39 $10,015,000 $256,795 $0 5.67%
    American Indian 7 $1,165,000 $166,429 $2,101 4.32%
    Asian 6 $1,150,000 $191,667 $2,249 3.96%
    Black 3 $435,000 $145,000 $2,978 4.04%
    Other Asian 1 $85,000 $85,000 $3,369 4.25%
    Japanese 1 $75,000 $75,000 $2,359 4.38%

    Approval Rates

    Total approvals of all applications
    88.93%

    Incrediblebank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.85%

    Incrediblebank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 937 $168,155,000 $179,461

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 17 $8,455,000 $497,353
    Single Family (1-4 Units):Manufactured 15 $2,065,000 $137,667
    Single Family (1-4 Units):Site-Built 905 $157,635,000 $174,182

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 39 $3,735,000 $95,769 $1,836 4.00%
    40-60% 92 $16,370,000 $177,935 $1,995 3.88%
    60-80% 384 $73,540,000 $191,510 $2,093 3.99%
    80-100% 408 $73,060,000 $179,069 $2,473 4.09%
    Over 100% 4 $710,000 $177,500 $4,073 3.97%
    Under 20% 10 $740,000 $74,000 $1,517 4.49%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    River Valley Bank 101 Grand Avenue Wausau, WI 54403 Full Service B&M $106,924
    River Valley Bank 101 West B Street Iron Mountain, MI 49801 Full Service B&M $52,313
    River Valley Bank 1101 North Third Street Marquette, MI 49855 Full Service B&M $47,790
    River Valley Bank 1130 East Grand Avenue Rothschild, WI 54474 Full Service B&M $142,941
    River Valley Bank 1140 West Washington Street Marquette, MI 49855 Full Service B&M $75,045
    River Valley Bank 1218 N 4th St Tomahawk, WI 54487 Full Service B&M $36,494
    River Valley Bank 141 South Willow Street Eagle River, WI 54521 Full Service B&M $57,993
    River Valley Bank 19795 West Sharon Avenue Houghton, MI 49931 Full Service B&M $40,650
    River Valley Bank 200 South Suffolk Street Ironwood, MI 49938 Full Service B&M $57,531
    River Valley Bank 3210 East Main Street Merrill, WI 54452 Full Service B&M $88,635
    River Valley Bank 327 N 17th Avenue Wausau, WI 54401 Full Service Cyber Office $126,344
    River Valley Bank 327 North 17th Avenue Wausau, WI 54401 Full Service B&M $74,714
    River Valley Bank 4107 Barbican Avenue Schofield, WI 54476 Full Service B&M $42,556
    River Valley Bank 56500 Us Highway 41 Calumet, MI 49913 Full Service B&M $46,424
    River Valley Bank 8329 Murphy Dr. Middleton, WI 53562 Full Service B&M $22,472
    River Valley Bank 8590 Us 51 North Minocqua, WI 54548 Full Service B&M $119,657

    For 2019, Incrediblebank had 16 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $63,669
    Net interest income $50,578
    Total noninterest income $20,989
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $2,428
    Trading account gains and fees $0
    Additional Noninterest Income $18,561
    Pre-tax net operating income $21,629
    Securities gains (or losses, -) $2
    Income before extraordinary items $21,631
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $21,631
    Minority interest net income $0
    Net income $21,631
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $21,629

    Incrediblebank's gross interest income from loans was $63,669,000.
    Incrediblebank's net interest income from loans was $50,578,000.
    Incrediblebank's fee based income from loans was $2,428,000.
    Incrediblebank's net income from loans was $21,631,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,091
    Provision for credit losses $2,607
    Total noninterest expense $47,331
    Salaries and employee benefits $29,543
    Premises and equipment expense $5,266
    Additional noninterest expense $12,522
    Applicable income taxes $0
    Net charge-offs $1,203
    Cash dividends $15,750

    Incrediblebank's interest expense for loans was $13,091,000.
    Incrediblebank's payroll and benefits expense were $29,543,000.
    Incrediblebank's property, plant and equipment expenses $5,266,000.

    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 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    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 $1,151,322
    Deposits held in domestic offices $1,151,322
    Deposits by Individuals, partnerships, and corporations $972,910
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $178,270
    Deposits by Commercial banks and other depository institutions in U.S. $142
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $100,610
    Demand deposits $58,807
    Nontransaction accounts $1,050,712
    Money market deposit accounts (MMDAs) $258,522
    Other savings deposits (excluding MMDAs) $607,191
    Total time deposits $184,999
    Total time and savings deposits $1,092,515
    Noninterest-bearing deposits $208,084
    Interest-bearing deposits $943,238
    Retail deposits $972,304
    IRAs and Keogh plan accounts $28,906
    Brokered deposits $141,738
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,399,926
    Cash & Balances due from depository institutions $42,028
    Interest-bearing balances $14,349
    Total securities $204,480
    Federal funds sold & reverse repurchase $1,574
    Net loans and leases $1,052,227
    Loan and leases loss allowance $7,800
    Trading account assets $0
    Bank premises and fixed assets $28,213
    Other real estate owned $3,380
    Goodwill and other intangibles $23,974
    All other assets $44,050

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,399,926
    Total Liabilities $1,265,530
    Total deposits $1,151,322
    Interest-bearing deposits $943,238
    Deposits held in domestic offices $1,151,322
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $3
    Trading liabilities $0
    Other borrowed funds $95,000
    Subordinated debt $0
    All other liabilities $19,205

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,052,227
    Loan and leases loss allowance $7,800
    Total loans and leases (domestic) $1,060,027
    All real estate loans $650,580
    Real estate loans in domestic offices $650,580
    Construction and development loans $63,804
    Residential 1-4 family construction $10,984
    Other construction, all land development and other land $52,820
    Loans secured by nonfarm nonresidential properties $424,688
    Nonfarm nonresidential secured by owner-occupied properties $238,999
    Commercial real estate & other non-farm, non-residential $185,689
    Multifamily residential real estate $27,632
    1-4 family residential loans $133,008
    Farmland loans $1,448
    Loans held in foreign offices $0
    Farm loans $33
    Commercial and industrial loans $321,626
    To non-U.S. addressees $0
    Loans to individuals $70,612
    Credit card loans $0
    Related Plans $418
    Consumer Auto Loans $2,024
    Other loans to individuals $68,170
    All other loans & leases $17,176
    Loans to foreign governments and official institutions $0
    Other loans $240
    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 $10,816
    Non 1-4 family restructured loans & leases $10,174
    Total loans and leases (foreign) $0

    IncredibleBank had $1,052,227,000 of loans outstanding in 2019. $650,580,000 of loans were in real estate loans. $63,804,000 of loans were in development loans. $27,632,000 of loans were in multifamily mortgage loans. $133,008,000 of loans were in 1-4 family mortgage loans. $33,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,024,000 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 581 $122,208 $210,341
    Nonfarm, nonresidential loans - <$100k 146 $5,529 $37,870
    Nonfarm, nonresidential loans - $100-250k 170 $20,226 $118,976
    Nonfarm, nonresidential loans - $250k-1MM 265 $96,453 $363,974
    Commercial & Industrial, US addressed loans - <$1MM 874 $149,234 $170,748
    Commercial & Industrial, US addressed loans - <$100k 379 $8,053 $21,248
    Commercial & Industrial, US addressed loans - $100-250k 177 $21,860 $123,503
    Commercial & Industrial, US addressed loans - $250k-1MM 318 $119,321 $375,223
    Farmland loans - <$1MM 9 $1,125 $125,000
    Farmland loans - <$100k 1 $19 $19,000
    Farmland loans - $100-250k 6 $649 $108,167
    Farmland loans - $250k-1MM 2 $457 $228,500
    Agriculture operations loans - <$1MM 3 $33 $11,000
    Agriculture operations loans - <$100k 3 $33 $11,000