Germantown Trust & Savings Bank Mortgage Rates, Fees & Info
Breese, ILLEI: 2549005HG8EMM4748S60
Tax ID: 37-0291490
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Bank Data
Review & Overview
Germantown Trust & Savings Bank is a smaller bank specializing in Refi and Home Purchase loans. Germantown Trust & Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Orlando, North Port, Centralia, and Champaign among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Germantown Trust & Savings Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
176Origination Dollar Volume (All Markets)
$33,100,000Employee count
46Top 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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 166 | $30,730,000 | $185,120 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $500,000 | $250,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| Centralia, IL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 0.00% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Farmington, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 176 | $33,100,000 | $188,068 | $0 | 0.00% |
For 2021, Germantown Trust & Savings Bank's most frequently originated type of loan was Conventional, with 176 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 94 | $16,030,000 | $170,532 | $0 | 0.00% |
| Home Purchase | 74 | $16,170,000 | $218,514 | $0 | 0.00% |
| Other | 8 | $900,000 | $112,500 | $0 | 0.00% |
For 2021, Germantown Trust & Savings Bank's most frequently cited loan purpose was Refi, with 94 originations. The 2nd most popular reason was Home Purchase, with 74 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 176 | $33,100,000 | $188,068 | $0 | 0.00% |
For 2021, Germantown Trust & Savings Bank's most frequently cited loan duration was Other, with 176 originations.
Loan Sizing
2021 saw Germantown Trust & Savings Bank place emphasis on $100k-200k loans with 72 originations, totaling $10,270,000 in origination value.
Applicant Income
Germantown Trust & Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 60 originations. The second most popular income band? $75k-100k, with 36 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 176 | $33,100,000 | $188,068 | $0 | 0.00% |
Germantown Trust & Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 176 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 172 | $31,600,000 | $183,721 | $0 | 0.00% |
| Not applicable | 4 | $1,500,000 | $375,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications96.06%
Germantown Trust & Savings 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 origination90.34%
Germantown Trust & Savings Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 176 | $33,100,000 | $188,068 |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Germantown Trust & Savings Bank | 160 Louis Street Beckemeyer, IL 62219 | Full Service B&M | $23,994 |
| Germantown Trust & Savings Bank | 205 Germantown Road Breese, IL 62230 | Full Service B&M | $152,316 |
| Germantown Trust & Savings Bank | 601 Main Street Germantown, IL 62245 | Full Service B&M | $132,905 |
| Germantown Trust & Savings Bank | 703 Carlyle Road Bartelso, IL 62218 | Full Service B&M | $56,081 |
For 2021, Germantown Trust & Savings Bank had 4 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $13,874 |
| Net interest income | $11,445 |
| Total noninterest income | $1,253 |
| Gross Fiduciary activities income | $85 |
| Service charges on deposit accounts | $209 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $959 |
| Pre-tax net operating income | $7,802 |
| Securities gains (or losses, -) | $127 |
| Income before extraordinary items | $7,514 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $7,514 |
| Minority interest net income | $0 |
| Net income | $7,514 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $7,393 |
Germantown Trust & Savings Bank's gross interest income from loans was $13,874,000.
Germantown Trust & Savings Bank's net interest income from loans was $11,445,000.
Germantown Trust & Savings Bank's fee based income from loans was $209,000.
Germantown Trust & Savings Bank's net income from loans was $7,514,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,429 |
| Provision for credit losses | $302 |
| Total noninterest expense | $4,594 |
| Salaries and employee benefits | $3,353 |
| Premises and equipment expense | $303 |
| Additional noninterest expense | $938 |
| Applicable income taxes | $415 |
| Net charge-offs | $-17 |
| Cash dividends | $6,168 |
Germantown Trust & Savings Bank's interest expense for loans was $2,429,000.
Germantown Trust & Savings Bank's payroll and benefits expense were $3,353,000.
Germantown Trust & Savings Bank's property, plant and equipment expenses $303,000.
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 | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $371,014 |
| Deposits held in domestic offices | $371,014 |
| Deposits by Individuals, partnerships, and corporations | $340,151 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $30,838 |
| Deposits by Commercial banks and other depository institutions in U.S. | $25 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $112,800 |
| Demand deposits | $64,802 |
| Nontransaction accounts | $258,214 |
| Money market deposit accounts (MMDAs) | $42,284 |
| Other savings deposits (excluding MMDAs) | $103,507 |
| Total time deposits | $112,422 |
| Total time and savings deposits | $306,212 |
| Noninterest-bearing deposits | $62,384 |
| Interest-bearing deposits | $308,630 |
| Retail deposits | $352,895 |
| IRAs and Keogh plan accounts | $27,471 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $461,859 |
| Cash & Balances due from depository institutions | $6,829 |
| Interest-bearing balances | $2,014 |
| Total securities | $225,721 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $224,397 |
| Loan and leases loss allowance | $2,213 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,093 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $3,819 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $461,859 |
| Total Liabilities | $404,429 |
| Total deposits | $371,014 |
| Interest-bearing deposits | $308,630 |
| Deposits held in domestic offices | $371,014 |
| % insured (estimated) | $85 |
| Federal funds purchased and repurchase agreements | $2,050 |
| Trading liabilities | $0 |
| Other borrowed funds | $31,000 |
| Subordinated debt | $0 |
| All other liabilities | $365 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $224,397 |
| Loan and leases loss allowance | $2,213 |
| Total loans and leases (domestic) | $226,610 |
| All real estate loans | $201,437 |
| Real estate loans in domestic offices | $201,437 |
| Construction and development loans | $16,712 |
| Residential 1-4 family construction | $11,131 |
| Other construction, all land development and other land | $5,581 |
| Loans secured by nonfarm nonresidential properties | $15,017 |
| Nonfarm nonresidential secured by owner-occupied properties | $13,182 |
| Commercial real estate & other non-farm, non-residential | $1,835 |
| Multifamily residential real estate | $752 |
| 1-4 family residential loans | $57,532 |
| Farmland loans | $111,424 |
| Loans held in foreign offices | $0 |
| Farm loans | $5,749 |
| Commercial and industrial loans | $12,417 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $3,922 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $2,534 |
| Other loans to individuals | $1,388 |
| All other loans & leases | $3,085 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $342 |
| 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 |
Germantown Trust & Savings Bank had $224,397,000 of loans outstanding in 2021. $201,437,000 of loans were in real estate loans. $16,712,000 of loans were in development loans. $752,000 of loans were in multifamily mortgage loans. $57,532,000 of loans were in 1-4 family mortgage loans. $5,749,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,534,000 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 | 98 | $14,791 | $150,929 |
| Nonfarm, nonresidential loans - <$100k | 30 | $1,221 | $40,700 |
| Nonfarm, nonresidential loans - $100-250k | 37 | $4,082 | $110,324 |
| Nonfarm, nonresidential loans - $250k-1MM | 31 | $9,488 | $306,065 |
| Commercial & Industrial, US addressed loans - <$1MM | 166 | $9,207 | $55,464 |
| Commercial & Industrial, US addressed loans - <$100k | 117 | $2,763 | $23,615 |
| Commercial & Industrial, US addressed loans - $100-250k | 39 | $3,963 | $101,615 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 10 | $2,481 | $248,100 |
| Farmland loans - <$1MM | 313 | $40,655 | $129,888 |
| Farmland loans - <$100k | 110 | $5,171 | $47,009 |
| Farmland loans - $100-250k | 125 | $14,141 | $113,128 |
| Farmland loans - $250k-1MM | 78 | $21,343 | $273,628 |
| Agriculture operations loans - <$1MM | 89 | $5,649 | $63,472 |
| Agriculture operations loans - <$100k | 61 | $1,685 | $27,623 |
| Agriculture operations loans - $100-250k | 23 | $2,644 | $114,957 |
| Agriculture operations loans - $250k-1MM | 5 | $1,320 | $264,000 |