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

Riverside, CA

LEI: 549300VRYDYOPWK5MO08

Tax ID: 95-1897077

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

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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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

    Provident Savings Bank F.s.b. is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Provident Savings Bank F.s.b. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Riverside, Los Angeles, Sacramento, San Diego, and San Francisco among others. We have data for 29 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Provident Savings Bank F.s.b. 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. Provident Savings Bank F.s.b. is typically an average 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.16% 4/21/24
    30 Year Conventional Refi 6.11% 4/21/24
    30 Year Cash-out Refi 6.15% 4/21/24
    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.

    Provident Savings Bank F.s.b. Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Provident Savings Bank F.s.b.. 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

    2,418

    Origination Dollar Volume (All Markets)

    $905,020,000

    Employee count

    349 Show all (9) 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
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1,040 $334,200,000 $321,346 $6,477 4.75%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 462 $215,310,000 $466,039 $7,706 4.76%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 309 $99,425,000 $321,764 $6,149 4.61%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 196 $91,690,000 $467,806 $8,083 4.59%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 84 $37,530,000 $446,786 $6,387 4.69%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 60 $28,460,000 $474,333 $6,676 4.49%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 57 $23,545,000 $413,070 $6,930 4.69%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 32 $12,050,000 $376,563 $6,475 4.65%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 17 $11,165,000 $656,765 $7,518 4.80%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 23 $11,035,000 $479,783 $7,437 4.47%
    STOCKTON, CA (FHA|USDA|VA) 18 $6,800,000 $377,778 $6,201 4.92%
    VALLEJO, CA (FHA|USDA|VA) 19 $6,095,000 $320,789 $6,078 4.72%
    CHICO, CA (FHA|USDA|VA) 15 $4,015,000 $267,667 $3,692 4.76%
    Outside of Metro Areas 13 $3,215,000 $247,308 $3,975 4.62%
    BAKERSFIELD, CA (FHA|USDA|VA) 12 $2,500,000 $208,333 $6,109 4.88%
    FRESNO, CA (FHA|USDA|VA) 8 $2,150,000 $268,750 $4,575 4.61%
    Clearlake, CA (FHA|USDA|VA) 10 $2,120,000 $212,000 $5,078 4.61%
    YUBA CITY, CA (FHA|USDA|VA) 8 $1,990,000 $248,750 $4,349 4.69%
    SALINAS, CA (FHA|USDA|VA) 5 $1,855,000 $371,000 $3,847 4.70%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $1,705,000 $341,000 $4,461 4.35%
    Sonora, CA (FHA|USDA|VA) 6 $1,580,000 $263,333 $4,461 4.71%
    MADERA, CA (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $0 5.20%
    MODESTO, CA (FHA|USDA|VA) 5 $1,395,000 $279,000 $4,603 4.53%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,030,000 $515,000 $6,299 5.00%
    MERCED, CA (FHA|USDA|VA) 3 $765,000 $255,000 $7,324 4.38%
    EL CENTRO, CA (FHA|USDA|VA) 3 $725,000 $241,667 $7,208 4.50%
    VISALIA, CA (FHA|USDA|VA) 2 $530,000 $265,000 $3,950 4.50%
    Ukiah, CA (FHA|USDA|VA) 1 $385,000 $385,000 $6,889 4.75%
    REDDING, CA (FHA|USDA|VA) 2 $350,000 $175,000 $3,151 5.06%
    Provident Savings Bank F.s.b.'s top markets include Riverside, Los Angeles, Sacramento, San Diego, and San Francisco among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • Similar Lenders

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

    MYPOINT Credit Union
    Similarity Rank: 55
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,795 $672,065,000 $374,409 $5,319 4.81%
    FHA 439 $157,585,000 $358,964 $10,582 4.41%
    VA 176 $73,320,000 $416,591 $10,137 4.36%
    USDA 8 $2,050,000 $256,250 $6,612 4.48%

    For 2018, Provident Savings Bank F.s.b.'s most frequently originated type of loan was Conventional, with 1,795 originations. Their 2nd most popular type was FHA, with 439 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,517 $591,835,000 $390,135 $7,349 4.68%
    Cash Out Refi 631 $202,655,000 $321,165 $5,811 4.82%
    Refi 268 $109,420,000 $408,284 $5,170 4.59%
    Other 2 $1,110,000 $555,000 $10,561 4.63%

    For 2018, Provident Savings Bank F.s.b.'s most frequently cited loan purpose was Home Purchase, with 1,517 originations. The 2nd most popular reason was Cash Out Refi, with 631 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,297 $873,115,000 $380,111 $6,848 4.72%
    15 Year 87 $22,025,000 $253,161 $4,651 4.06%
    20 Year 18 $3,520,000 $195,556 $3,244 5.94%
    10 Year 9 $2,125,000 $236,111 $3,663 4.60%
    Other 5 $3,125,000 $625,000 $3,768 4.70%
    30+ year 2 $1,110,000 $555,000 $10,561 4.63%

    For 2018, Provident Savings Bank F.s.b.'s most frequently cited loan duration was 30 Year, with 2,297 originations. The 2nd most popular length was 15 Year, with 87 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 918 $320,630,000 $349,270
    $<1k 476 $164,670,000 $345,945
    $2k-3k 295 $101,365,000 $343,610
    $5k+ 228 $108,840,000 $477,368
    $3k-4k 195 $71,105,000 $364,641
    $4k-5k 128 $47,280,000 $369,375

    Provident Savings Bank F.s.b.'s average total fees were $6,848, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 918 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,671 $648,945,000 $388,357
    5-6% 394 $130,930,000 $332,310
    3-4% 299 $115,285,000 $385,569
    6-7% 35 $7,465,000 $213,286
    Over 8% 10 $870,000 $87,000
    7-8% 7 $945,000 $135,000
    2.5-3% 2 $580,000 $290,000

    During 2018, Provident Savings Bank F.s.b.'s average interest rate for loans was 4.72%, while their most frequently originated rate bucket for loans was 4-5%, with 1,671 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,228 $369,750,000 $301,099 $6,327 4.68%
    $400k-600k 595 $277,295,000 $466,042 $7,914 4.59%
    $100k-200k 270 $41,490,000 $153,667 $4,051 4.94%
    $600k-1MM 231 $162,355,000 $702,835 $9,609 4.61%
    $100,000 or less 60 $4,220,000 $70,333 $3,519 5.71%
    $1MM+ 34 $49,910,000 $1,467,941 $11,410 4.55%

    2018 saw Provident Savings Bank F.s.b. place emphasis on $200k-400k loans with 1,228 originations, totaling $369,750,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 590 $229,490,000 $388,966 $7,393 4.69%
    $75k-100k 520 $175,480,000 $337,462 $6,928 4.67%
    $50k-75k 452 $119,640,000 $264,690 $6,063 4.68%
    $150k-250k 407 $182,045,000 $447,285 $7,145 4.75%
    $50k or less 185 $33,225,000 $179,595 $4,820 4.78%
    $250k+ 170 $97,350,000 $572,647 $6,756 4.76%

    Provident Savings Bank F.s.b. lent most frequently to those with incomes in the $100k-150k range, with 590 originations. The second most popular income band? $75k-100k, with 520 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 327 $112,665,000 $344,541 $5,917 4.80%
    20-30% 232 $76,060,000 $327,845 $5,433 4.70%
    50-60% 197 $74,905,000 $380,228 $10,651 4.49%
    49% 169 $62,685,000 $370,917 $7,180 4.78%
    42% 128 $51,070,000 $398,984 $7,249 4.71%
    41% 126 $52,930,000 $420,079 $6,376 4.61%
    44% 116 $37,410,000 $322,500 $6,327 4.69%
    47% 114 $38,900,000 $341,228 $7,263 4.71%
    46% 107 $37,355,000 $349,112 $6,344 4.78%
    48% 105 $36,005,000 $342,905 $6,632 4.72%
    43% 105 $35,795,000 $340,905 $6,158 4.72%
    45% 104 $34,180,000 $328,654 $6,370 4.80%
    40% 96 $33,780,000 $351,875 $5,863 4.69%
    38% 91 $34,855,000 $383,022 $6,918 4.73%
    39% 90 $35,690,000 $396,556 $6,236 4.75%
    <20% 63 $20,905,000 $331,825 $5,150 4.59%
    37% 62 $26,310,000 $424,355 $6,182 4.60%
    36% 57 $22,965,000 $402,895 $6,767 4.62%
    >60% 35 $12,535,000 $358,143 $7,751 4.84%

    Provident Savings Bank F.s.b. lent most frequently to those with DTI ratios of 30-36%, with 327 originations. The next most common DTI ratio? 20-30%, with 232 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,859 $663,265,000 $356,786 $6,630 4.71%
    Not provided 212 $84,370,000 $397,972 $6,722 4.67%
    Asian 157 $63,975,000 $407,484 $6,983 4.72%
    Not applicable 55 $45,895,000 $834,455 $10,002 4.67%
    Black 103 $36,495,000 $354,320 $8,161 4.70%
    Native Hawaiian or Islander 14 $5,130,000 $366,429 $7,105 4.86%
    American Indian 14 $4,130,000 $295,000 $6,413 4.81%
    Chinese 1 $665,000 $665,000 $22,115 4.63%
    Other Asian 2 $640,000 $320,000 $0 4.88%
    Asian Indian 1 $455,000 $455,000 $7,683 4.75%

    Approval Rates

    Total approvals of all applications
    91.94%

    Provident Savings Bank F.s.b. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    67.87%

    Provident 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 2,418 $905,020,000 $374,285

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 81 $62,415,000 $770,556
    Single Family (1-4 Units):Manufactured 29 $6,265,000 $216,034
    Single Family (1-4 Units):Site-Built 2,308 $836,340,000 $362,366

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 153 $49,175,000 $321,405 $4,189 4.78%
    40-60% 367 $131,235,000 $357,589 $4,648 4.67%
    60-80% 818 $328,160,000 $401,174 $6,009 4.75%
    80-100% 980 $371,320,000 $378,898 $8,098 4.60%
    Over 100% 39 $16,505,000 $423,205 $14,716 4.36%
    Under 20% 60 $8,010,000 $133,500 $3,478 6.03%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    PROVIDENT FUNDING ASSOCIATES Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 12.0%
    PROVIDENT FUNDING ASSOCIATES Conventional home mortgage Closing on a mortgage 2 8.0%
    PROVIDENT FUNDING ASSOCIATES Conventional home mortgage Struggling to pay mortgage 2 8.0%
    PROVIDENT FUNDING ASSOCIATES Conventional home mortgage Trouble during payment process 15 60.0%
    PROVIDENT FUNDING ASSOCIATES FHA mortgage Trouble during payment process 1 4.0%
    PROVIDENT FUNDING ASSOCIATES Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 4.0%
    PROVIDENT FUNDING ASSOCIATES Other type of mortgage Trouble during payment process 1 4.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Provident Savings Bank, F.S.B. 12460 Heacock St Moreno Valley, CA 92553 Full Service B&M $73,107
    Provident Savings Bank, F.S.B. 125 East Citrus Avenue Redlands, CA 92373 Full Service B&M $111,058
    Provident Savings Bank, F.S.B. 1690 E Florida Ave Hemet, CA 92544 Full Service B&M $86,932
    Provident Savings Bank, F.S.B. 19348 Van Buren Blvd Riverside, CA 92508 Full Service B&M $39,346
    Provident Savings Bank, F.S.B. 27010 Sun City Boulevard Sun City, CA 92586 Full Service B&M $88,367
    Provident Savings Bank, F.S.B. 3312 La Sierra Ave Ste 105 Riverside, CA 92503 Full Service B&M $20,138
    Provident Savings Bank, F.S.B. 350 East Hobson Way Blythe, CA 92225 Full Service B&M $50,560
    Provident Savings Bank, F.S.B. 4001 Main Street Riverside, CA 92501 Full Service B&M $37,491
    Provident Savings Bank, F.S.B. 40705 Winchester Road, Suite 6 Temecula, CA 92591 Full Service B&M $34,808
    Provident Savings Bank, F.S.B. 487 Magnolia Avenue, Suite 101 Corona, CA 92879 Full Service B&M $29,492
    Provident Savings Bank, F.S.B. 5225 Canyon Crest Dr Riverside, CA 92507 Full Service B&M $70,914
    Provident Savings Bank, F.S.B. 6570 Magnolia Ave Riverside, CA 92506 Full Service B&M $213,892
    Provident Savings Bank, F.S.B. 71-991 Highway 111 Rancho Mirage, CA 92270 Full Service B&M $52,644
    Provident Savings Bank, F.S.B. 78752 U.S. Highway 111 La Quinta, CA 92253 Full Service B&M $7,534

    For 2018, Provident Savings Bank F.s.b. had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $45,346
    Net interest income $38,908
    Total noninterest income $17,309
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,906
    Trading account gains and fees $0
    Additional Noninterest Income $15,403
    Pre-tax net operating income $10,978
    Securities gains (or losses, -) $0
    Income before extraordinary items $7,657
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,657
    Minority interest net income $0
    Net income $7,657
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $7,657

    Provident Savings Bank F.s.b.'s gross interest income from loans was $45,346,000.
    Provident Savings Bank F.s.b.'s net interest income from loans was $38,908,000.
    Provident Savings Bank F.s.b.'s fee based income from loans was $1,906,000.
    Provident Savings Bank F.s.b.'s net income from loans was $7,657,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,438
    Provision for credit losses $-1,148
    Total noninterest expense $46,387
    Salaries and employee benefits $31,930
    Premises and equipment expense $6,004
    Additional noninterest expense $8,453
    Applicable income taxes $3,321
    Net charge-offs $-134
    Cash dividends $7,500

    Provident Savings Bank F.s.b.'s interest expense for loans was $6,438,000.
    Provident Savings Bank F.s.b.'s payroll and benefits expense were $31,930,000.
    Provident Savings Bank F.s.b.'s property, plant and equipment expenses $6,004,000.

    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 17.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 12.0%
    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 $886,900
    Deposits held in domestic offices $886,900
    Deposits by Individuals, partnerships, and corporations $878,848
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $8,052
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $86,647
    Demand deposits $64,081
    Nontransaction accounts $800,253
    Money market deposit accounts (MMDAs) $270,731
    Other savings deposits (excluding MMDAs) $305,825
    Total time deposits $223,698
    Total time and savings deposits $822,819
    Noninterest-bearing deposits $84,655
    Interest-bearing deposits $802,245
    Retail deposits $849,516
    IRAs and Keogh plan accounts $50,061
    Brokered deposits $1,567
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,127,162
    Cash & Balances due from depository institutions $67,964
    Interest-bearing balances $58,549
    Total securities $90,953
    Federal funds sold & reverse repurchase $0
    Net loans and leases $932,975
    Loan and leases loss allowance $7,061
    Trading account assets $0
    Bank premises and fixed assets $8,456
    Other real estate owned $0
    Goodwill and other intangibles $838
    All other assets $25,976

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,127,162
    Total Liabilities $1,013,179
    Total deposits $886,900
    Interest-bearing deposits $802,245
    Deposits held in domestic offices $886,900
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $111,135
    Subordinated debt $0
    All other liabilities $15,144

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $932,975
    Loan and leases loss allowance $7,061
    Total loans and leases (domestic) $940,036
    All real estate loans $939,380
    Real estate loans in domestic offices $939,380
    Construction and development loans $4,137
    Residential 1-4 family construction $1,446
    Other construction, all land development and other land $2,691
    Loans secured by nonfarm nonresidential properties $113,252
    Nonfarm nonresidential secured by owner-occupied properties $6,447
    Commercial real estate & other non-farm, non-residential $106,805
    Multifamily residential real estate $450,551
    1-4 family residential loans $371,440
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $457
    To non-U.S. addressees $0
    Loans to individuals $199
    Credit card loans $0
    Related Plans $101
    Consumer Auto Loans $0
    Other loans to individuals $98
    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 $16,837
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Provident Savings Bank F.S.B. had $932,975,000 of loans outstanding in 2018. $939,380,000 of loans were in real estate loans. $4,137,000 of loans were in development loans. $450,551,000 of loans were in multifamily mortgage loans. $371,440,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 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 113 $56,372 $498,867
    Nonfarm, nonresidential loans - $100-250k 8 $1,355 $169,375
    Nonfarm, nonresidential loans - $250k-1MM 105 $55,017 $523,971
    Commercial & Industrial, US addressed loans - <$1MM 8 $457 $57,125
    Commercial & Industrial, US addressed loans - <$100k 4 $85 $21,250
    Commercial & Industrial, US addressed loans - $100-250k 2 $80 $40,000
    Commercial & Industrial, US addressed loans - $250k-1MM 2 $292 $146,000