Bell Bank Mortgage Rates, Fees & Info

Fargo, ND

LEI: 549300WYBPIWKK6SQC06

Tax ID: 45-0283315

2020 Data | 2019 Data | 2018 Data


Overview

Bell Bank is a mid-sized bank specializing in Home Purchase and Refi loans. Bell Bank 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.) They have a low ratio of USDA loans. Their top markets include Minneapolis, Phoenix, Fargo, Milwaukee, and Rochester among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Bell Bank is typically an average fee lendor.


Originations

23,023

Origination Dollar Volume (All Markets)

$6,339,795,000

Employee count

1,490

Relative Rate

Bell Bank's average 30 year fixed rate mortgage was 3.22%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.14%.

Relative Fees

Bell Bank's average total fees for a 30 year fixed rate mortgage are $4,015.

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 $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 20,917 $5,788,945,000 $276,758 $3,524 3.26%
VA 991 $294,265,000 $296,937 $4,616 2.78%
FHA 962 $226,050,000 $234,979 $7,707 3.16%
USDA 153 $30,535,000 $199,575 $5,200 3.03%

For the 2020 period, Bell Bank's most frequently originated loan type was Conventional, with 20,917 originations. Their 2nd most popular type is VA, with 991 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 10,195 $3,016,895,000 $295,919 $4,444 3.18%
Refi 8,860 $2,468,440,000 $278,605 $3,107 3.15%
Cash Out Refi 2,903 $731,345,000 $251,927 $3,628 3.25%
Home Improvement 567 $53,095,000 $93,642 $722 4.40%
Other 497 $69,495,000 $139,829 $884 4.31%
NA 1 $525,000 $525,000 $0 3.65%

For the 2020, Bell Bank's most frequently cited loan purpose was Home Purchase, with 10,195 originations. The 2nd most popular reason was Refi, with 8,860 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 16,547 $4,757,255,000 $287,500 $4,015 3.22%
15 Year 3,196 $802,880,000 $251,214 $2,869 2.82%
10 Year 1,314 $206,210,000 $156,933 $1,582 4.13%
20 Year 1,273 $308,175,000 $242,086 $2,985 3.33%
Other 378 $102,910,000 $272,249 $2,613 3.52%
5 Year 183 $109,385,000 $597,732 $170 3.82%
30+ year 92 $41,470,000 $450,761 $7,922 3.36%
1 Year 37 $10,975,000 $296,622 $0 4.02%
3 Year 3 $535,000 $178,333 $0 3.45%

For the 2020, Bell Bank's most frequently cited loan length was 30 Year, with 16,547 originations. The 2nd most popular length was 15 Year, with 3,196 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 9,991 $2,670,295,000 $267,270
$1k-2k 5,830 $1,468,540,000 $251,894
$2k-3k 2,730 $762,740,000 $279,392
$3k-4k 2,083 $704,755,000 $338,337
$5k+ 608 $300,060,000 $493,520

$4,015 was Bell Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 9,991 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 13,325 $3,883,675,000 $291,458 $4,105 3.20%
PHOENIX-MESA-CHANDLER, AZ 2,585 $762,075,000 $294,807 $3,576 3.35%
Outside of Metro Areas 2,354 $500,420,000 $212,583 $3,189 3.26%
FARGO, ND-MN 1,640 $337,860,000 $206,012 $2,447 3.33%
MILWAUKEE-WAUKESHA, WI 844 $205,110,000 $243,021 $2,252 3.16%
ROCHESTER, MN 425 $98,555,000 $231,894 $4,228 3.13%
DULUTH, MN-WI 244 $82,380,000 $337,623 $2,747 3.39%
ALBUQUERQUE, NM 246 $67,460,000 $274,228 $3,594 3.24%
ORLANDO-KISSIMMEE-SANFORD, FL 140 $56,600,000 $404,286 $4,863 3.25%
ST. LOUIS, MO-IL 218 $51,620,000 $236,789 $3,046 3.10%
SANTA FE, NM 126 $45,660,000 $362,381 $3,534 3.28%
ST. CLOUD, MN 137 $27,965,000 $204,124 $3,238 3.17%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 78 $23,390,000 $299,872 $3,620 3.12%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 50 $14,600,000 $292,000 $4,859 2.99%
KANSAS CITY, MO-KS 38 $9,430,000 $248,158 $2,731 2.89%
CAPE CORAL-FORT MYERS, FL 28 $9,300,000 $332,143 $3,648 3.37%
RACINE, WI 45 $8,985,000 $199,667 $2,521 3.15%
BILLINGS, MT 2 $8,130,000 $4,065,000 $6,481 3.01%
TUCSON, AZ 29 $7,725,000 $266,379 $2,938 3.22%
SEBRING-AVON PARK, FL 43 $7,585,000 $176,395 $4,019 3.17%
PRESCOTT VALLEY-PRESCOTT, AZ 23 $6,725,000 $292,391 $3,443 3.08%
MANKATO, MN 23 $6,585,000 $286,304 $4,221 3.28%
SPRINGFIELD, MO 5 $6,295,000 $1,259,000 $3,988 3.14%
FLAGSTAFF, AZ 20 $6,190,000 $309,500 $3,116 3.20%
CHICAGO-NAPERVILLE-EVANSTON, IL 15 $6,005,000 $400,333 $6,784 2.98%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 13 $5,855,000 $450,385 $3,844 3.04%
MEMPHIS, TN-MS-AR 19 $5,625,000 $296,053 $4,376 2.89%
DENVER-AURORA-LAKEWOOD, CO 15 $4,885,000 $325,667 $4,690 3.25%
GRAND FORKS, ND-MN 18 $4,620,000 $256,667 $2,898 3.31%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 18 $4,390,000 $243,889 $2,648 3.14%
MADISON, WI 19 $4,335,000 $228,158 $2,095 3.14%
LOS ANGELES-LONG BEACH-GLENDALE, CA 6 $4,180,000 $696,667 $6,774 3.39%
FOND DU LAC, WI 22 $4,170,000 $189,545 $2,240 3.26%
EAU CLAIRE, WI 11 $3,805,000 $345,909 $3,944 2.98%
NAPLES-MARCO ISLAND, FL 6 $3,270,000 $545,000 $6,976 3.18%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 5 $3,115,000 $623,000 $4,099 3.10%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 3 $3,105,000 $1,035,000 $6,571 3.01%
COLUMBIA, MO 11 $2,935,000 $266,818 $2,079 2.75%
BISMARCK, ND 7 $2,505,000 $357,857 $2,913 3.28%
WICHITA, KS 11 $2,465,000 $224,091 $3,685 2.83%
JACKSONVILLE, FL 6 $2,230,000 $371,667 $6,560 3.06%
GREEN BAY, WI 8 $1,940,000 $242,500 $2,814 3.06%
SHEBOYGAN, WI 10 $1,920,000 $192,000 $2,927 3.32%
NORTH PORT-SARASOTA-BRADENTON, FL 5 $1,825,000 $365,000 $5,721 3.35%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 5 $1,705,000 $341,000 $4,367 3.45%
PUNTA GORDA, FL 6 $1,660,000 $276,667 $3,637 3.15%
DES MOINES-WEST DES MOINES, IA 5 $1,325,000 $265,000 $3,535 2.97%
CORPUS CHRISTI, TX 1 $1,265,000 $1,265,000 $0 3.55%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 6 $1,260,000 $210,000 $4,660 3.00%
SIERRA VISTA-DOUGLAS, AZ 7 $1,175,000 $167,857 $3,144 2.98%
THE VILLAGES, FL 5 $1,105,000 $221,000 $2,816 3.15%
LAKE HAVASU CITY-KINGMAN, AZ 5 $1,105,000 $221,000 $3,377 3.25%
APPLETON, WI 4 $920,000 $230,000 $2,776 2.91%
LA CROSSE-ONALASKA, WI-MN 3 $885,000 $295,000 $3,121 2.92%
RALEIGH-CARY, NC 2 $820,000 $410,000 $2,899 2.75%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 2 $740,000 $370,000 $7,641 2.88%
CLARKSVILLE, TN-KY 3 $705,000 $235,000 $4,982 3.08%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 1 $705,000 $705,000 $7,235 3.00%
LAKELAND-WINTER HAVEN, FL 4 $660,000 $165,000 $5,813 2.99%
PALM BAY-MELBOURNE-TITUSVILLE, FL 3 $625,000 $208,333 $2,581 2.92%
WARREN-TROY-FARMINGTON HILLS, MI 2 $620,000 $310,000 $2,898 3.63%
PANAMA CITY, FL 2 $610,000 $305,000 $3,333 3.19%
MIAMI-MIAMI BEACH-KENDALL, FL 2 $590,000 $295,000 $7,025 2.73%
WILMINGTON, NC 2 $590,000 $295,000 $4,533 3.25%
SEBASTIAN-VERO BEACH, FL 2 $550,000 $275,000 $4,095 2.38%
BOISE CITY, ID 2 $530,000 $265,000 $5,772 2.56%
OAKLAND-BERKELEY-LIVERMORE, CA 1 $515,000 $515,000 $13,070 2.63%
DETROIT-DEARBORN-LIVONIA, MI 3 $515,000 $171,667 $3,075 2.65%
SAN LUIS OBISPO-PASO ROBLES, CA 1 $515,000 $515,000 $2,875 3.13%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 1 $515,000 $515,000 $4,317 3.25%
SALINAS, CA 1 $505,000 $505,000 $4,172 3.63%
RAPID CITY, SD 1 $475,000 $475,000 $2,636 2.45%
WAUSAU-WESTON, WI 2 $450,000 $225,000 $3,367 3.13%
ANAHEIM-SANTA ANA-IRVINE, CA 1 $435,000 $435,000 $3,102 3.63%
GRAND JUNCTION, CO 1 $415,000 $415,000 $2,902 3.13%
OMAHA-COUNCIL BLUFFS, NE-IA 2 $390,000 $195,000 $5,955 3.06%
AMES, IA 2 $390,000 $195,000 $2,565 2.75%
COLORADO SPRINGS, CO 1 $375,000 $375,000 $2,689 3.50%
LAS CRUCES, NM 2 $360,000 $180,000 $3,355 3.04%
SIOUX FALLS, SD 3 $355,000 $118,333 $1,854 3.93%
CHAMPAIGN-URBANA, IL 1 $315,000 $315,000 $1,643 3.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 2 $310,000 $155,000 $2,091 2.38%
PUEBLO, CO 1 $305,000 $305,000 $9,141 3.38%
OSHKOSH-NEENAH, WI 2 $300,000 $150,000 $1,863 3.38%
LAWRENCE, KS 1 $285,000 $285,000 $2,999 2.88%
ANN ARBOR, MI 1 $285,000 $285,000 $8,947 2.75%
YUMA, AZ 2 $280,000 $140,000 $2,460 3.06%
OCALA, FL 1 $275,000 $275,000 $7,324 3.00%
IOWA CITY, IA 1 $275,000 $275,000 $3,427 3.13%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 1 $265,000 $265,000 $3,375 3.13%
WATERLOO-CEDAR FALLS, IA 1 $255,000 $255,000 $0 4.30%
FARMINGTON, NM 1 $245,000 $245,000 $3,321 3.95%
HOMOSASSA SPRINGS, FL 1 $245,000 $245,000 $7,812 3.50%
CHARLESTON-NORTH CHARLESTON, SC 1 $235,000 $235,000 $2,425 3.50%
WARNER ROBINS, GA 1 $225,000 $225,000 $5,039 2.63%
KALAMAZOO-PORTAGE, MI 1 $225,000 $225,000 $0 3.50%
JEFFERSON CITY, MO 1 $195,000 $195,000 $2,567 2.50%
CAPE GIRARDEAU, MO-IL 1 $185,000 $185,000 $2,356 3.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 1 $175,000 $175,000 $3,045 3.13%
WINSTON-SALEM, NC 1 $165,000 $165,000 $1,807 3.38%
SANTA CRUZ-WATSONVILLE, CA 1 $155,000 $155,000 $2,926 4.38%
KANKAKEE, IL 1 $145,000 $145,000 $3,727 3.50%
ELGIN, IL 1 $125,000 $125,000 $2,197 3.38%
PENSACOLA-FERRY PASS-BRENT, FL 1 $125,000 $125,000 $1,384 2.38%
GAINESVILLE, FL 1 $95,000 $95,000 $3,316 2.45%
JACKSONVILLE, NC 1 $95,000 $95,000 $0 2.63%
MONTGOMERY, AL 1 $75,000 $75,000 $0 4.25%
TOPEKA, KS 1 $75,000 $75,000 $2,601 2.38%

Bell Bank's top markets include Minneapolis, Phoenix, Fargo, Milwaukee, and Rochester among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 11,698 $3,400,410,000 $290,683
2.5-3% 8,302 $2,334,900,000 $281,245
<2.5% 1,498 $387,410,000 $258,618
4-5% 1,324 $198,790,000 $150,144
5-6% 193 $17,275,000 $89,508
6-7% 4 $160,000 $40,000

During 2020, Bell Bank's average interest rate was 3.22%, while their most frequently originated rate bucket was 3-4%, with 11,698 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 12,466 $3,503,740,000 $281,064 $3,903 3.16%
$100k-200k 5,863 $927,535,000 $158,201 $2,881 3.23%
$400k-600k 2,531 $1,179,055,000 $465,846 $4,808 3.15%
$100,000 or less 1,593 $89,665,000 $56,287 $1,553 3.94%
$600k-1MM 410 $308,470,000 $752,366 $5,882 3.32%
$1MM+ 160 $331,330,000 $2,070,813 $7,524 3.30%

2020 saw Bell Bank place emphasis on $200k-400k loans with 12,466 originations, totaling $3,503,740,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 5,396 $1,494,070,000 $276,885 $3,863 3.24%
$50k-75k 4,831 $1,020,565,000 $211,253 $3,640 3.19%
$75k-100k 4,057 $987,385,000 $243,378 $3,695 3.23%
$150k-250k 3,764 $1,250,040,000 $332,104 $4,016 3.25%
$50k or less 2,195 $344,025,000 $156,731 $3,247 3.23%
$250k+ 1,740 $815,890,000 $468,902 $4,378 3.30%

Bell Bank lent most frequently to those with incomes in the $100k-150k range, with 5,396 originations. The second most popular income band? $50k-75k, with 4,831 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 6,019 $1,630,805,000 $270,943 $3,539 3.21%
30-36% 4,391 $1,179,635,000 $268,648 $3,753 3.24%
<20% 2,463 $675,365,000 $274,204 $3,242 3.18%
44% 899 $230,525,000 $256,424 $3,995 3.29%
42% 807 $224,055,000 $277,639 $3,855 3.30%
40% 793 $210,335,000 $265,240 $3,936 3.25%
41% 768 $210,760,000 $274,427 $3,960 3.28%
43% 768 $202,020,000 $263,047 $3,982 3.26%
39% 753 $206,335,000 $274,017 $3,855 3.24%
38% 750 $208,060,000 $277,413 $3,931 3.26%
37% 726 $191,950,000 $264,394 $3,759 3.29%
36% 708 $192,880,000 $272,429 $3,868 3.24%
45% 572 $153,310,000 $268,024 $3,872 3.24%
47% 413 $100,665,000 $243,741 $4,064 3.31%
49% 410 $101,120,000 $246,634 $4,320 3.21%
46% 408 $104,130,000 $255,221 $3,768 3.29%
48% 381 $99,315,000 $260,669 $4,018 3.16%
50-60% 322 $82,680,000 $256,770 $6,653 2.99%
>60% 3 $1,025,000 $341,667 $1,094 3.21%

Bell Bank lent most frequently to those with DTI ratios of 20-30%, with 6,019 originations. The next most common DTI ratio? 30-36%, with 4,391 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 19,513 $5,202,815,000 $266,633 $3,683 3.23%
Not provided 1,900 $548,770,000 $288,826 $3,873 3.20%
Not applicable 259 $221,355,000 $854,653 $1,653 3.93%
Asian 655 $183,985,000 $280,893 $4,222 3.18%
Black 467 $122,415,000 $262,131 $4,689 3.23%
American Indian 127 $31,535,000 $248,307 $3,893 3.22%
Asian Indian 52 $14,640,000 $281,538 $3,676 3.19%
Other Asian 21 $6,215,000 $295,952 $3,447 3.06%
Native Hawaiian 13 $3,595,000 $276,538 $3,709 3.21%
Filipino 3 $965,000 $321,667 $4,994 3.38%
Korean 3 $955,000 $318,333 $3,197 4.00%
Vietnamese 3 $825,000 $275,000 $2,996 2.71%
Other Pacific Islander 2 $590,000 $295,000 $5,979 2.85%
Chinese 2 $500,000 $250,000 $3,873 3.13%
Samoan 1 $245,000 $245,000 $1,671 3.25%
Native Hawiian 1 $245,000 $245,000 $3,768 3.38%
1 $145,000 $145,000 $2,075 2.88%

Approval Rates

Total approvals of all applications
97.69%

Bell Bank 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
87.49%

Bell Bank has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 23,023 $6,339,795,000 $275,368

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 78 $174,600,000 $2,238,462
Single Family (1-4 Units):Manufactured 24 $3,600,000 $150,000
Single Family (1-4 Units):Site-Built 22,921 $6,161,595,000 $268,819

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,069 $164,755,000 $154,121 $2,351 3.53%
40-60% 2,916 $709,990,000 $243,481 $2,884 3.07%
60-80% 8,862 $2,695,020,000 $304,110 $3,479 3.21%
80-100% 9,136 $2,670,860,000 $292,345 $4,341 3.18%
Over 100% 172 $52,500,000 $305,233 $9,208 2.92%
Under 20% 853 $43,245,000 $50,698 $589 4.25%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Bell Bank 1001 Broadway Street Alexandria, MN 56308 Full Service B&M $170,069
Bell Bank 214 5th Street North Breckenridge, MN 56520 Full Service B&M $10,281
Bell Bank 2501 South University Drive Fargo, ND 58103 Full Service B&M $188,272
Bell Bank 2704 North Broadway Fargo, ND 58102 Full Service B&M $485,685
Bell Bank 2870 52nd Avenue South Fargo, ND 58104 Full Service B&M $92,336
Bell Bank 3100 13th Avenue, South Fargo, ND 58103 Full Service B&M $2,469,858
Bell Bank 409 Sheyenne St West Fargo, ND 58078 Full Service B&M $421,989
Bell Bank 5050 13th Avenue, S.W. Fargo, ND 58103 Full Service B&M $84,952
Bell Bank 5500 Wayzata Boulevard Golden Valley, MN 55416 Full Service B&M $1,790,905
Bell Bank 563 Bielenberg Drive Woodbury, MN 55125 Full Service B&M $77,416
Bell Bank 5680 23rd Avenue South, Suite 101 Fargo, ND 58104 Full Service B&M $34,007
Bell Bank 717 2nd Avenue North Wahpeton, ND 58075 Full Service B&M $109,160
Bell Bank 7661 West Riverside Drive, Suite 105 Boise, ID 83714 Limited, Trust Office $0
Bell Bank 920 Lake Avenue Detroit Lakes, MN 56501 Full Service B&M $126,315
Bell Bank 101 Center Avenue East Dilworth, MN 56529 Full Service B&M $33,977
Bell Bank 1018 Hobart Street Hawley, MN 56549 Full Service B&M $65,689
Bell Bank 1333 8th Street South Moorhead, MN 56560 Full Service B&M $335,487
Bell Bank 13999 60th Street North Stillwater, MN 55082 Full Service B&M $74,967
Bell Bank 15 Broadway Fargo, ND 58102 Full Service B&M $157,766
Bell Bank 15 North Broadway Pelican Rapids, MN 56572 Full Service B&M $57,300
Bell Bank 15490 101st Avenue North Suite 150 Maple Grove, MN 55369 Full Service B&M $79,738
Bell Bank 1850 East Northrop Boulevard Chandler, AZ 85286 Full Service B&M $36,793
Bell Bank 205 West Washington Avenue Fergus Falls, MN 56537 Full Service B&M $122,555

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $296,463
Net interest income $268,286
Total noninterest income $316,526
Gross Fiduciary activities income $18,195
Service charges on deposit accounts $4,799
Trading account gains and fees $0
Additional Noninterest Income $293,532
Pre-tax net operating income $159,531
Securities gains (or losses, -) $19
Income before extraordinary items $115,619
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $115,619
Minority interest net income $0
Net income $115,619
Sale, conversion, retirement of capital stock, net $0
Net operating income $115,603

Bank Expenses

Item Value (in 000's)
Total interest expense $28,177
Provision for credit losses $74,000
Total noninterest expense $351,281
Salaries and employee benefits $232,684
Premises and equipment expense $24,930
Additional noninterest expense $93,667
Applicable income taxes $43,931
Net charge-offs $1,579
Cash dividends $0

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

Deposits

Type Value (in 000's)
Total deposits $7,635,296
Deposits held in domestic offices $7,635,296
Deposits by Individuals, partnerships, and corporations $7,546,875
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $88,301
Deposits by Commercial banks and other depository institutions in U.S. $120
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $891,298
Demand deposits $414,098
Nontransaction accounts $6,743,998
Money market deposit accounts (MMDAs) $1,993,424
Other savings deposits (excluding MMDAs) $4,192,670
Total time deposits $557,904
Total time and savings deposits $7,221,198
Noninterest-bearing deposits $1,724,006
Interest-bearing deposits $5,911,290
Retail deposits $7,465,733
IRAs and Keogh plan accounts $130,284
Brokered deposits $97,287
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $8,771,234
Cash & Balances due from depository institutions $1,152,332
Interest-bearing balances $1,075,419
Total securities $49,993
Federal funds sold & reverse repurchase $0
Net loans and leases $7,249,738
Loan and leases loss allowance $141,545
Trading account assets $0
Bank premises and fixed assets $117,713
Other real estate owned $1,138
Goodwill and other intangibles $66,905
All other assets $133,415

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $8,771,234
Total Liabilities $7,867,935
Total deposits $7,635,296
Interest-bearing deposits $5,911,290
Deposits held in domestic offices $7,635,296
% insured (estimated) $88
Federal funds purchased and repurchase agreements $11,273
Trading liabilities $0
Other borrowed funds $150,041
Subordinated debt $0
All other liabilities $71,325

Issued Loan Types

Type Value (in 000's)
Net loans and leases $7,249,738
Loan and leases loss allowance $141,545
Total loans and leases (domestic) $7,391,283
All real estate loans $5,097,403
Real estate loans in domestic offices $5,097,403
Construction and development loans $348,507
Residential 1-4 family construction $29,528
Other construction, all land development and other land $318,979
Loans secured by nonfarm nonresidential properties $2,100,809
Nonfarm nonresidential secured by owner-occupied properties $578,240
Commercial real estate & other non-farm, non-residential $1,522,569
Multifamily residential real estate $776,379
1-4 family residential loans $1,644,957
Farmland loans $226,751
Loans held in foreign offices $0
Farm loans $104,781
Commercial and industrial loans $1,589,936
To non-U.S. addressees $0
Loans to individuals $157,334
Credit card loans $0
Related Plans $30,507
Consumer Auto Loans $72,031
Other loans to individuals $54,796
All other loans & leases $454,524
Loans to foreign governments and official institutions $0
Other loans $194,801
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 $6,122
Non 1-4 family restructured loans & leases $6,045
Total loans and leases (foreign) $0

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 677 $201,684 $297,908
Nonfarm, nonresidential loans - <$100k 97 $6,181 $63,722
Nonfarm, nonresidential loans - $100-250k 214 $29,998 $140,178
Nonfarm, nonresidential loans - $250k-1MM 366 $165,505 $452,199
Commercial & Industrial, US addressed loans - <$1MM 4,330 $374,495 $86,488
Commercial & Industrial, US addressed loans - <$100k 2,982 $76,264 $25,575
Commercial & Industrial, US addressed loans - $100-250k 799 $96,985 $121,383
Commercial & Industrial, US addressed loans - $250k-1MM 549 $201,246 $366,568
Farmland loans - <$1MM 415 $67,861 $163,520
Farmland loans - <$100k 92 $3,963 $43,076
Farmland loans - $100-250k 200 $26,371 $131,855
Farmland loans - $250k-1MM 123 $37,527 $305,098
Agriculture operations loans - <$1MM 512 $41,094 $80,262
Agriculture operations loans - <$100k 308 $9,501 $30,847
Agriculture operations loans - $100-250k 136 $14,365 $105,625
Agriculture operations loans - $250k-1MM 68 $17,228 $253,353