The Citizens National Bank Of Meridian Mortgage Rates, Fees & Info
Meridian, MSLEI: 549300XFNTNQLLW0HY87
Tax ID: 64-0134521
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Bank Data
Overview
The Citizens National Bank Of Meridian is a smaller bank specializing in Home Purchase and Refi loans. The Citizens National Bank Of Meridian has a high proportion of conventional loans. Their top markets include Meridian, Hattiesburg, Jackson, Laurel, and Memphis among others. The Citizens National Bank Of Meridian has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. The Citizens National Bank Of Meridian is typically a low fee lendor.Originations
516Origination Dollar Volume (All Markets)
$120,830,000Employee count
317Awards
The Citizens National Bank of Meridian - 2021
The Citizens National Bank of Meridian is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
The Citizens National Bank Of Meridian's average 30 year fixed rate mortgage of loans were
3.32%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.17%.
Relative Fees
The Citizens National Bank Of Meridian's average total fees for a 30 year fixed rate
mortgage are $3,091.
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 |
|---|---|---|---|---|---|
| Meridian, MS (FHA|USDA|VA) | 154 | $29,290,000 | $190,195 | $2,956 | 3.42% |
| HATTIESBURG, MS (FHA|USDA|VA) | 104 | $26,150,000 | $251,442 | $2,799 | 3.30% |
| JACKSON, MS (FHA|USDA|VA) | 72 | $18,920,000 | $262,778 | $2,818 | 3.43% |
| Laurel, MS (FHA|USDA|VA) | 40 | $8,240,000 | $206,000 | $2,643 | 3.35% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 26 | $7,570,000 | $291,154 | $2,680 | 3.64% |
| Outside of Metro Areas | 49 | $6,265,000 | $127,857 | $2,816 | 3.82% |
| Columbus, MS (FHA|USDA|VA) | 25 | $5,015,000 | $200,600 | $2,846 | 3.42% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 7 | $4,215,000 | $602,143 | $3,151 | 3.55% |
| Starkville, MS (FHA|USDA|VA) | 12 | $4,170,000 | $347,500 | $3,588 | 3.82% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 3 | $2,505,000 | $835,000 | $2,526 | 3.31% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $3,704 | 3.34% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,625,000 | $541,667 | $5,544 | 3.91% |
| Oxford, MS (FHA|USDA|VA) | 7 | $1,175,000 | $167,857 | $2,566 | 3.68% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $2,785 | 3.49% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $0 | 3.65% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $0 | 4.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,914 | 3.56% |
| West Point, MS (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,785 | 2.63% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,071 | 2.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,562 | 2.75% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,216 | 3.25% |
The Citizens National Bank Of Meridian's top markets include Meridian, Hattiesburg, Jackson, Laurel, and Memphis among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 498 | $116,740,000 | $234,418 | $2,750 | 3.49% |
| VA | 18 | $4,090,000 | $227,222 | $5,281 | 2.65% |
For the 2021 period, The Citizens National Bank Of Meridian's most frequently originated loan type of loans were Conventional, with 498 originations. Their 2nd most popular type is VA, with 18 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 243 | $48,555,000 | $199,815 | $3,150 | 3.41% |
| Refi | 219 | $60,445,000 | $276,005 | $2,615 | 3.44% |
| Cash Out Refi | 47 | $10,045,000 | $213,723 | $2,602 | 3.54% |
| Home Improvement | 6 | $1,770,000 | $295,000 | $61 | 4.65% |
| Other | 1 | $15,000 | $15,000 | $1,136 | 5.55% |
For the 2021, The Citizens National Bank Of Meridian's most frequently cited loan purpose of loans were Home Purchase, with 243 originations. The 2nd most popular reason of loans were Refi, with 219 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 218 | $46,000,000 | $211,009 | $3,091 | 3.32% |
| Other | 86 | $21,290,000 | $247,558 | $2,757 | 3.43% |
| 5 Year | 66 | $19,140,000 | $290,000 | $61 | 4.29% |
| 15 Year | 59 | $13,815,000 | $234,153 | $2,797 | 2.75% |
| 20 Year | 47 | $10,005,000 | $212,872 | $2,581 | 3.40% |
| 10 Year | 36 | $10,320,000 | $286,667 | $1,924 | 3.92% |
| 3 Year | 4 | $260,000 | $65,000 | $0 | 4.90% |
For the 2021, The Citizens National Bank Of Meridian's most frequently cited loan length of loans were 30 Year, with 218 originations. The 2nd most popular length of loans were Other, with 86 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 360 | $72,600,000 | $201,667 |
| $1k-2k | 42 | $7,670,000 | $182,619 |
| $2k-3k | 6 | $1,110,000 | $185,000 |
| $3k-4k | 1 | $215,000 | $215,000 |
$3,091 of loans were The Citizens National Bank Of Meridian's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 360 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 196 | $54,810,000 | $279,643 |
| 2.5-3% | 152 | $33,350,000 | $219,408 |
| 4-5% | 109 | $22,275,000 | $204,358 |
| <2.5% | 52 | $9,940,000 | $191,154 |
| 5-6% | 5 | $425,000 | $85,000 |
| 7-8% | 2 | $30,000 | $15,000 |
During 2021, The Citizens National Bank Of Meridian's average interest rate of loans were 3.32%, while their most frequently originated rate bucket of loans were 3-4%, with 196 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 191 | $27,825,000 | $145,681 | $2,868 | 3.27% |
| $200k-400k | 143 | $38,645,000 | $270,245 | $3,153 | 3.23% |
| $100,000 or less | 115 | $6,935,000 | $60,304 | $2,224 | 4.02% |
| $400k-600k | 40 | $18,880,000 | $472,000 | $3,440 | 3.34% |
| $600k-1MM | 16 | $12,430,000 | $776,875 | $2,190 | 3.81% |
| $1MM+ | 11 | $16,115,000 | $1,465,000 | $0 | 3.72% |
2021 saw The Citizens National Bank Of Meridian place emphasis on $100k-200k loans with 191 originations, totaling $27,825,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 101 | $14,655,000 | $145,099 | $2,936 | 3.25% |
| $50k or less | 93 | $9,795,000 | $105,323 | $2,384 | 3.57% |
| $100k-150k | 85 | $19,715,000 | $231,941 | $3,113 | 3.22% |
| $150k-250k | 65 | $17,635,000 | $271,308 | $2,794 | 3.35% |
| $75k-100k | 56 | $10,460,000 | $186,786 | $3,146 | 3.16% |
| $250k+ | 33 | $11,435,000 | $346,515 | $3,020 | 3.40% |
The Citizens National Bank Of Meridian lent most frequently to those with incomes in the $50k-75k range, with 101 originations. The second most popular income band? $50k or less, with 93 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 128 | $24,810,000 | $193,828 | $2,903 | 3.21% |
| 30-36% | 85 | $17,995,000 | $211,706 | $3,013 | 3.30% |
| <20% | 65 | $13,935,000 | $214,385 | $2,768 | 3.01% |
| 39% | 20 | $3,760,000 | $188,000 | $2,777 | 3.41% |
| 37% | 20 | $3,250,000 | $162,500 | $2,865 | 3.67% |
| 38% | 17 | $2,655,000 | $156,176 | $2,719 | 3.39% |
| 42% | 15 | $3,115,000 | $207,667 | $2,938 | 3.24% |
| 40% | 10 | $1,490,000 | $149,000 | $2,655 | 3.53% |
| 36% | 9 | $1,265,000 | $140,556 | $3,300 | 3.28% |
| 41% | 7 | $1,435,000 | $205,000 | $2,988 | 3.18% |
| 43% | 7 | $1,235,000 | $176,429 | $2,807 | 3.11% |
| 44% | 6 | $910,000 | $151,667 | $2,301 | 3.59% |
| 46% | 5 | $745,000 | $149,000 | $3,247 | 3.08% |
| 49% | 5 | $1,335,000 | $267,000 | $2,796 | 3.10% |
| 50-60% | 5 | $1,325,000 | $265,000 | $1,661 | 4.29% |
| 48% | 4 | $820,000 | $205,000 | $3,046 | 2.84% |
| 45% | 2 | $310,000 | $155,000 | $2,735 | 2.94% |
| 47% | 2 | $270,000 | $135,000 | $2,574 | 2.88% |
| >60% | 1 | $135,000 | $135,000 | $1,698 | 4.49% |
The Citizens National Bank Of Meridian lent most frequently to those with DTI ratios of 20-30%, with 128 originations. The next most common DTI ratio? 30-36%, with 85 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 368 | $75,560,000 | $205,326 | $2,865 | 3.29% |
| Not applicable | 74 | $34,550,000 | $466,892 | $0 | 4.20% |
| Black | 54 | $6,700,000 | $124,074 | $2,804 | 3.58% |
| Asian | 7 | $1,525,000 | $217,857 | $2,233 | 3.17% |
| Asian Indian | 3 | $1,015,000 | $338,333 | $3,247 | 2.96% |
| Not provided | 7 | $905,000 | $129,286 | $2,964 | 3.70% |
| Vietnamese | 1 | $325,000 | $325,000 | $1,383 | 4.49% |
| American Indian | 2 | $250,000 | $125,000 | $5,571 | 3.62% |
Approval Rates
Total approvals of all applications93.57%
The Citizens National Bank Of Meridian has an average approval rate.
Pick Rate
Approvals leading to origination79.82%
The Citizens National Bank Of Meridian has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3716.73 | 1 | $305,000 | $305,000 |
| NA | 515 | $120,525,000 | $234,029 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 516 | $120,830,000 | $234,167 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 26 | $2,880,000 | $110,769 | $1,955 | 3.99% |
| 40-60% | 69 | $15,015,000 | $217,609 | $2,596 | 3.41% |
| 60-80% | 188 | $48,110,000 | $255,904 | $2,773 | 3.37% |
| 80-100% | 210 | $45,460,000 | $216,476 | $3,133 | 3.39% |
| Over 100% | 8 | $4,780,000 | $597,500 | $4,857 | 3.60% |
| Under 20% | 6 | $130,000 | $21,667 | $687 | 5.01% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The Citizens National Bank of Meridian | 101 East Jefferson Street Kosciusko, MS 39090 | Full Service B&M | $82,648 |
| The Citizens National Bank of Meridian | 120 Highway 12 East Kosciusko, MS 39090 | Full Service B&M | $33,182 |
| The Citizens National Bank of Meridian | 7045 Goodman Road Olive Branch, MS 38654 | Full Service B&M | $11,036 |
| The Citizens National Bank of Meridian | 7203 Goodman Road, 2nd Floor Suite D Olive Branch, MS 38654 | Full Service B&M | $31,568 |
| The Citizens National Bank of Meridian | 744 Pear Orchard Road Ridgeland, MS 39157 | Full Service B&M | $26,296 |
| The Citizens National Bank of Meridian | 810 Mississippi Drive Waynesboro, MS 39367 | Full Service B&M | $21,902 |
| The Citizens National Bank of Meridian | Highway 19 North Meridian, MS 39301 | Limited, Drive-thru | $22 |
| The Citizens National Bank of Meridian | 136 North Hills Street Meridian, MS 39305 | Full Service B&M | $84,831 |
| The Citizens National Bank of Meridian | 200 South Archusa Avenue Quitman, MS 39355 | Full Service B&M | $20,705 |
| The Citizens National Bank of Meridian | 2100 Highway 19 North Meridian, MS 39301 | Full Service B&M | $45,414 |
| The Citizens National Bank of Meridian | 2412 Highway 45 North Columbus, MS 39701 | Full Service B&M | $59,509 |
| The Citizens National Bank of Meridian | 305 South Van Buren Street Carthage, MS 39051 | Full Service B&M | $46,337 |
| The Citizens National Bank of Meridian | 313 South Jefferson Street Macon, MS 39341 | Full Service B&M | $56,598 |
| The Citizens National Bank of Meridian | 4599 Hardy Street Hattiesburg, MS 39402 | Full Service B&M | $36,649 |
| The Citizens National Bank of Meridian | 4900 Poplar Spring Drive Meridian, MS 39305 | Limited, Drive-thru | $12,154 |
| The Citizens National Bank of Meridian | 512 22nd Avenue Meridian, MS 39301 | Full Service B&M | $517,268 |
| The Citizens National Bank of Meridian | 538 Main Street Philadelphia, MS 39350 | Full Service B&M | $42,677 |
| The Citizens National Bank of Meridian | 5917 U.S. Highway 49 Hattiesburg, MS 39402 | Full Service B&M | $21,369 |
| The Citizens National Bank of Meridian | 6258 Us Highway 98 Hattiesburg, MS 39402 | Full Service B&M | $47,534 |
| The Citizens National Bank of Meridian | 6296 Airways Boulevard Southaven, MS 38671 | Full Service B&M | $26,558 |
| The Citizens National Bank of Meridian | 1015 23rd Avenue Meridian, MS 39301 | Limited, Drive-thru | $6,405 |
| The Citizens National Bank of Meridian | 102 Plaza Drive Brandon, MS 39047 | Full Service B&M | $50,580 |
| The Citizens National Bank of Meridian | 1110 Central Drive Philadelphia, MS 39350 | Full Service B&M | $2,900 |
| The Citizens National Bank of Meridian | 1127 Highway 15 North Laurel, MS 39440 | Full Service B&M | $66,129 |
| The Citizens National Bank of Meridian | 114 Grandview Boulevard Madison, MS 39110 | Full Service B&M | $65,281 |
| The Citizens National Bank of Meridian | 115 Lehmberg Road Columbus, MS 39702 | Full Service B&M | $29,008 |
| The Citizens National Bank of Meridian | 1199 Bonita Lakes Circle Meridian, MS 39301 | Full Service B&M | $36,005 |
For 2021, The Citizens National Bank Of Meridian had 27 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $55,104 |
| Net interest income | $53,072 |
| Total noninterest income | $22,698 |
| Gross Fiduciary activities income | $2,464 |
| Service charges on deposit accounts | $4,561 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $15,673 |
| Pre-tax net operating income | $30,243 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $30,243 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $30,243 |
| Minority interest net income | $0 |
| Net income | $30,243 |
| Sale, conversion, retirement of capital stock, net | $2 |
| Net operating income | $30,243 |
The Citizens National Bank Of Meridian's gross interest income from loans was $55,104,000.
The Citizens National Bank Of Meridian's net interest income from loans was $53,072,000.
The Citizens National Bank Of Meridian's fee based income from loans was $4,561,000.
The Citizens National Bank Of Meridian's net income from loans was $30,243,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,032 |
| Provision for credit losses | $1,160 |
| Total noninterest expense | $44,367 |
| Salaries and employee benefits | $26,269 |
| Premises and equipment expense | $4,415 |
| Additional noninterest expense | $13,683 |
| Applicable income taxes | $0 |
| Net charge-offs | $556 |
| Cash dividends | $22,402 |
The Citizens National Bank Of Meridian's interest expense for loans was $2,032,000.
The Citizens National Bank Of Meridian's payroll and benefits expense were $26,269,000.
The Citizens National Bank Of Meridian's property, plant and equipment expenses $4,415,000.
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 | 2.0% |
| 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 | $1,535,556 |
| Deposits held in domestic offices | $1,535,556 |
| Deposits by Individuals, partnerships, and corporations | $1,320,801 |
| Deposits by U.S. Government | $11 |
| Deposits by States and political subdivisions in the U.S. | $214,215 |
| Deposits by Commercial banks and other depository institutions in U.S. | $529 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $481,285 |
| Demand deposits | $333,122 |
| Nontransaction accounts | $1,054,271 |
| Money market deposit accounts (MMDAs) | $646,791 |
| Other savings deposits (excluding MMDAs) | $176,652 |
| Total time deposits | $230,828 |
| Total time and savings deposits | $1,202,434 |
| Noninterest-bearing deposits | $435,645 |
| Interest-bearing deposits | $1,099,911 |
| Retail deposits | $1,494,318 |
| IRAs and Keogh plan accounts | $29,238 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,763,795 |
| Cash & Balances due from depository institutions | $196,862 |
| Interest-bearing balances | $176,667 |
| Total securities | $475,200 |
| Federal funds sold & reverse repurchase | $100 |
| Net loans and leases | $1,017,353 |
| Loan and leases loss allowance | $14,905 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $31,880 |
| Other real estate owned | $3,975 |
| Goodwill and other intangibles | $0 |
| All other assets | $38,425 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,763,795 |
| Total Liabilities | $1,589,908 |
| Total deposits | $1,535,556 |
| Interest-bearing deposits | $1,099,911 |
| Deposits held in domestic offices | $1,535,556 |
| % insured (estimated) | $69 |
| Federal funds purchased and repurchase agreements | $37,825 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $16,527 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,017,353 |
| Loan and leases loss allowance | $14,905 |
| Total loans and leases (domestic) | $1,032,258 |
| All real estate loans | $843,978 |
| Real estate loans in domestic offices | $843,978 |
| Construction and development loans | $85,888 |
| Residential 1-4 family construction | $17,836 |
| Other construction, all land development and other land | $68,052 |
| Loans secured by nonfarm nonresidential properties | $437,089 |
| Nonfarm nonresidential secured by owner-occupied properties | $202,941 |
| Commercial real estate & other non-farm, non-residential | $234,148 |
| Multifamily residential real estate | $28,375 |
| 1-4 family residential loans | $290,689 |
| Farmland loans | $1,937 |
| Loans held in foreign offices | $0 |
| Farm loans | $570 |
| Commercial and industrial loans | $147,244 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $19,052 |
| Credit card loans | $0 |
| Related Plans | $1,517 |
| Consumer Auto Loans | $9,353 |
| Other loans to individuals | $8,182 |
| All other loans & leases | $21,414 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $14,760 |
| 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 | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
The Citizens National Bank of Meridian had $1,017,353,000 of loans outstanding in 2021. $843,978,000 of loans were in real estate loans. $85,888,000 of loans were in development loans. $28,375,000 of loans were in multifamily mortgage loans. $290,689,000 of loans were in 1-4 family mortgage loans. $570,000 of loans were in farm loans. $0 of loans were in credit card loans. $9,353,000 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 | 449 | $128,278 | $285,697 |
| Nonfarm, nonresidential loans - <$100k | 74 | $3,060 | $41,351 |
| Nonfarm, nonresidential loans - $100-250k | 117 | $14,812 | $126,598 |
| Nonfarm, nonresidential loans - $250k-1MM | 258 | $110,406 | $427,930 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,080 | $73,659 | $68,203 |
| Commercial & Industrial, US addressed loans - <$100k | 825 | $18,689 | $22,653 |
| Commercial & Industrial, US addressed loans - $100-250k | 153 | $18,076 | $118,144 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 102 | $36,894 | $361,706 |
| Farmland loans - <$1MM | 14 | $1,060 | $75,714 |
| Farmland loans - <$100k | 5 | $151 | $30,200 |
| Farmland loans - $100-250k | 8 | $721 | $90,125 |
| Farmland loans - $250k-1MM | 1 | $188 | $188,000 |
| Agriculture operations loans - <$1MM | 5 | $174 | $34,800 |
| Agriculture operations loans - <$100k | 3 | $68 | $22,667 |
| Agriculture operations loans - $100-250k | 2 | $106 | $53,000 |
