First National Bank Of Pana Mortgage Rates, Fees & Info

Pana, IL

LEI: 5493000EKZWTYZXUW582

Tax ID: 37-0274765

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Mortgage Data

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

    First National Bank Of Pana is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    39

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 1 25.0%
    FIRST NATIONAL BANK OF OMAHA FHA mortgage Improper use of your report 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Other type of mortgage Struggling to pay mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First National Bank of Pana 1688 South Baltimore Avenue Decatur, IL 62521 Full Service B&M $9,428
    First National Bank of Pana 202 North Saint Marie Street Blue Mound, IL 62513 Full Service B&M $37,041
    First National Bank of Pana 306 South Locust Street Pana, IL 62557 Full Service B&M $123,929
    First National Bank of Pana 600 West Spresser Taylorville, IL 62568 Full Service B&M $27,178
    First National Bank of Pana East Illinois Street And Route 51 Assumption, IL 62510 Full Service B&M $11,065

    For 2021, First National Bank Of Pana had 5 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $8,691
    Net interest income $7,981
    Total noninterest income $1,489
    Gross Fiduciary activities income $23
    Service charges on deposit accounts $186
    Trading account gains and fees $0
    Additional Noninterest Income $1,280
    Pre-tax net operating income $4,261
    Securities gains (or losses, -) $0
    Income before extraordinary items $4,114
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,114
    Minority interest net income $0
    Net income $4,114
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,114

    First National Bank Of Pana's gross interest income from loans was $8,691,000.
    First National Bank Of Pana's net interest income from loans was $7,981,000.
    First National Bank Of Pana's fee based income from loans was $186,000.
    First National Bank Of Pana's net income from loans was $4,114,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $710
    Provision for credit losses $325
    Total noninterest expense $4,884
    Salaries and employee benefits $2,643
    Premises and equipment expense $498
    Additional noninterest expense $1,743
    Applicable income taxes $147
    Net charge-offs $-17
    Cash dividends $1,268

    First National Bank Of Pana's interest expense for loans was $710,000.
    First National Bank Of Pana's payroll and benefits expense were $2,643,000.
    First National Bank Of Pana's property, plant and equipment expenses $498,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 22.0%
    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 $227,244
    Deposits held in domestic offices $227,244
    Deposits by Individuals, partnerships, and corporations $208,171
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $19,073
    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 $112,481
    Demand deposits $62,800
    Nontransaction accounts $114,763
    Money market deposit accounts (MMDAs) $19,266
    Other savings deposits (excluding MMDAs) $47,452
    Total time deposits $48,045
    Total time and savings deposits $164,444
    Noninterest-bearing deposits $62,800
    Interest-bearing deposits $164,444
    Retail deposits $218,756
    IRAs and Keogh plan accounts $9,839
    Brokered deposits $996
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $260,516
    Cash & Balances due from depository institutions $43,761
    Interest-bearing balances $36,760
    Total securities $38,776
    Federal funds sold & reverse repurchase $0
    Net loans and leases $168,278
    Loan and leases loss allowance $2,422
    Trading account assets $0
    Bank premises and fixed assets $2,276
    Other real estate owned $15
    Goodwill and other intangibles $205
    All other assets $7,205

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $260,516
    Total Liabilities $233,373
    Total deposits $227,244
    Interest-bearing deposits $164,444
    Deposits held in domestic offices $227,244
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $5,000
    Subordinated debt $0
    All other liabilities $1,129

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $168,278
    Loan and leases loss allowance $2,422
    Total loans and leases (domestic) $170,700
    All real estate loans $130,876
    Real estate loans in domestic offices $130,876
    Construction and development loans $6,068
    Residential 1-4 family construction $1,704
    Other construction, all land development and other land $4,364
    Loans secured by nonfarm nonresidential properties $58,506
    Nonfarm nonresidential secured by owner-occupied properties $19,415
    Commercial real estate & other non-farm, non-residential $39,091
    Multifamily residential real estate $2,121
    1-4 family residential loans $40,619
    Farmland loans $23,562
    Loans held in foreign offices $0
    Farm loans $9,296
    Commercial and industrial loans $25,488
    To non-U.S. addressees $0
    Loans to individuals $4,105
    Credit card loans $0
    Related Plans $27
    Consumer Auto Loans $2,287
    Other loans to individuals $1,791
    All other loans & leases $935
    Loans to foreign governments and official institutions $0
    Other loans $53
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $277
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $771
    Non 1-4 family restructured loans & leases $640
    Total loans and leases (foreign) $0

    First National Bank of Pana had $168,278,000 of loans outstanding in 2021. $130,876,000 of loans were in real estate loans. $6,068,000 of loans were in development loans. $2,121,000 of loans were in multifamily mortgage loans. $40,619,000 of loans were in 1-4 family mortgage loans. $9,296,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,287,000 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 115 $23,387 $203,365
    Nonfarm, nonresidential loans - <$100k 37 $1,583 $42,784
    Nonfarm, nonresidential loans - $100-250k 33 $4,620 $140,000
    Nonfarm, nonresidential loans - $250k-1MM 45 $17,184 $381,867
    Commercial & Industrial, US addressed loans - <$1MM 341 $19,337 $56,707
    Commercial & Industrial, US addressed loans - <$100k 267 $6,313 $23,644
    Commercial & Industrial, US addressed loans - $100-250k 47 $5,492 $116,851
    Commercial & Industrial, US addressed loans - $250k-1MM 27 $7,532 $278,963
    Farmland loans - <$1MM 95 $10,482 $110,337
    Farmland loans - <$100k 35 $1,075 $30,714
    Farmland loans - $100-250k 33 $3,357 $101,727
    Farmland loans - $250k-1MM 27 $6,050 $224,074
    Agriculture operations loans - <$1MM 83 $5,307 $63,940
    Agriculture operations loans - <$100k 42 $894 $21,286
    Agriculture operations loans - $100-250k 27 $2,108 $78,074
    Agriculture operations loans - $250k-1MM 14 $2,305 $164,643