The First National Bank In Carlyle Mortgage Rates, Fees & Info

Carlyle, IL

LEI: 54930000REMJYLBAS614

Tax ID: 37-0206035

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
  • 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

    The First National Bank In Carlyle is a smaller bank specializing in Home Purchase loans. The First National Bank In Carlyle has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Taylorville, Carbondale, and Centralia among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The First National Bank In Carlyle 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.

    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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    Originations

    29

    Origination Dollar Volume (All Markets)

    $4,225,000

    Employee count

    32

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 18 $1,780,000 $98,889 $0 0.00%
    Outside of Metro Areas 7 $1,055,000 $150,714 $0 0.00%
    Taylorville, IL (FHA|USDA|VA) 1 $1,035,000 $1,035,000 $0 0.00%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $310,000 $155,000 $0 0.00%
    Centralia, IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    The First National Bank In Carlyle's top markets include St. Louis, Taylorville, Carbondale, and Centralia among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 29 $4,225,000 $145,690 $0 0.00%

    For 2021, The First National Bank In Carlyle's most frequently originated type of loan was Conventional, with 29 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 22 $3,620,000 $164,545 $0 0.00%
    Home Improvement 4 $150,000 $37,500 $0 0.00%
    Cash Out Refi 2 $400,000 $200,000 $0 0.00%
    Other 1 $55,000 $55,000 $0 0.00%

    For 2021, The First National Bank In Carlyle's most frequently cited loan purpose was Home Purchase, with 22 originations. The 2nd most popular reason was Home Improvement, with 4 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 29 $4,225,000 $145,690 $0 0.00%

    For 2021, The First National Bank In Carlyle's most frequently cited loan duration was Other, with 29 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 15 $755,000 $50,333 $0 0.00%
    $100k-200k 9 $1,235,000 $137,222 $0 0.00%
    $200k-400k 4 $1,200,000 $300,000 $0 0.00%
    $1MM+ 1 $1,035,000 $1,035,000 $0 0.00%

    2021 saw The First National Bank In Carlyle place emphasis on $100,000 or less loans with 15 originations, totaling $755,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 8 $870,000 $108,750 $0 0.00%
    $50k-75k 6 $580,000 $96,667 $0 0.00%
    $75k-100k 4 $380,000 $95,000 $0 0.00%
    $250k+ 3 $615,000 $205,000 $0 0.00%
    $150k-250k 2 $210,000 $105,000 $0 0.00%
    $50k or less 1 $55,000 $55,000 $0 0.00%

    The First National Bank In Carlyle lent most frequently to those with incomes in the $100k-150k range, with 8 originations. The second most popular income band? $50k-75k, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 29 $4,225,000 $145,690 $0 0.00%

    The First National Bank In Carlyle lent most frequently to those with DTI ratios of Exempt%, with 29 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 23 $2,665,000 $115,870 $0 0.00%
    Not applicable 5 $1,515,000 $303,000 $0 0.00%
    Black 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    77.27%

    The First National Bank In Carlyle has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    82.76%

    The First National Bank In Carlyle has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 29 $4,225,000 $145,690

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    29 $4,225,000 $145,690

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The First National Bank In Carlyle 1350 12th Street Carlyle, IL 62231 Full Service B&M $52,067
    The First National Bank In Carlyle 18001 Saint Rose Road Breese, IL 62230 Full Service B&M $13,348
    The First National Bank In Carlyle 500 West Harrison Street Aviston, IL 62216 Full Service B&M $54,647
    The First National Bank In Carlyle 891 Fairfax Street Carlyle, IL 62231 Full Service B&M $79,862

    For 2021, The First National Bank In Carlyle had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $7,347
    Net interest income $6,582
    Total noninterest income $987
    Gross Fiduciary activities income $100
    Service charges on deposit accounts $218
    Trading account gains and fees $0
    Additional Noninterest Income $669
    Pre-tax net operating income $2,967
    Securities gains (or losses, -) $27
    Income before extraordinary items $2,287
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,287
    Minority interest net income $0
    Net income $2,287
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,265

    The First National Bank In Carlyle's gross interest income from loans was $7,347,000.
    The First National Bank In Carlyle's net interest income from loans was $6,582,000.
    The First National Bank In Carlyle's fee based income from loans was $218,000.
    The First National Bank In Carlyle's net income from loans was $2,287,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $765
    Provision for credit losses $44
    Total noninterest expense $4,558
    Salaries and employee benefits $2,394
    Premises and equipment expense $429
    Additional noninterest expense $1,735
    Applicable income taxes $707
    Net charge-offs $0
    Cash dividends $750

    The First National Bank In Carlyle's interest expense for loans was $765,000.
    The First National Bank In Carlyle's payroll and benefits expense were $2,394,000.
    The First National Bank In Carlyle's property, plant and equipment expenses $429,000.

    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 $209,781
    Deposits held in domestic offices $209,781
    Deposits by Individuals, partnerships, and corporations $182,583
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $27,198
    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 $123,108
    Demand deposits $43,678
    Nontransaction accounts $86,673
    Money market deposit accounts (MMDAs) $22,715
    Other savings deposits (excluding MMDAs) $30,881
    Total time deposits $33,077
    Total time and savings deposits $166,103
    Noninterest-bearing deposits $43,677
    Interest-bearing deposits $166,104
    Retail deposits $206,533
    IRAs and Keogh plan accounts $6,695
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $265,729
    Cash & Balances due from depository institutions $8,368
    Interest-bearing balances $6,777
    Total securities $109,196
    Federal funds sold & reverse repurchase $1,277
    Net loans and leases $137,670
    Loan and leases loss allowance $1,568
    Trading account assets $0
    Bank premises and fixed assets $2,121
    Other real estate owned $0
    Goodwill and other intangibles $741
    All other assets $6,356

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $265,729
    Total Liabilities $241,091
    Total deposits $209,781
    Interest-bearing deposits $166,104
    Deposits held in domestic offices $209,781
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $18,650
    Trading liabilities $0
    Other borrowed funds $12,171
    Subordinated debt $0
    All other liabilities $489

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $137,670
    Loan and leases loss allowance $1,568
    Total loans and leases (domestic) $139,238
    All real estate loans $107,914
    Real estate loans in domestic offices $107,914
    Construction and development loans $4,953
    Residential 1-4 family construction $2,630
    Other construction, all land development and other land $2,323
    Loans secured by nonfarm nonresidential properties $30,710
    Nonfarm nonresidential secured by owner-occupied properties $5,577
    Commercial real estate & other non-farm, non-residential $25,133
    Multifamily residential real estate $3,283
    1-4 family residential loans $16,301
    Farmland loans $52,667
    Loans held in foreign offices $0
    Farm loans $11,304
    Commercial and industrial loans $12,909
    To non-U.S. addressees $0
    Loans to individuals $2,351
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $1,306
    Other loans to individuals $1,045
    All other loans & leases $4,760
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    The First National Bank in Carlyle had $137,670,000 of loans outstanding in 2021. $107,914,000 of loans were in real estate loans. $4,953,000 of loans were in development loans. $3,283,000 of loans were in multifamily mortgage loans. $16,301,000 of loans were in 1-4 family mortgage loans. $11,304,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,306,000 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 44 $8,694 $197,591
    Nonfarm, nonresidential loans - <$100k 13 $518 $39,846
    Nonfarm, nonresidential loans - $100-250k 12 $1,001 $83,417
    Nonfarm, nonresidential loans - $250k-1MM 19 $7,175 $377,632
    Commercial & Industrial, US addressed loans - <$1MM 90 $9,233 $102,589
    Commercial & Industrial, US addressed loans - <$100k 55 $1,338 $24,327
    Commercial & Industrial, US addressed loans - $100-250k 18 $1,931 $107,278
    Commercial & Industrial, US addressed loans - $250k-1MM 17 $5,964 $350,824
    Farmland loans - <$1MM 78 $10,745 $137,756
    Farmland loans - <$100k 21 $805 $38,333
    Farmland loans - $100-250k 33 $3,287 $99,606
    Farmland loans - $250k-1MM 24 $6,653 $277,208
    Agriculture operations loans - <$1MM 52 $2,680 $51,538
    Agriculture operations loans - <$100k 32 $823 $25,719
    Agriculture operations loans - $100-250k 16 $1,284 $80,250
    Agriculture operations loans - $250k-1MM 4 $573 $143,250