First International Bank & Trust Mortgage Rates, Fees & Info

Watford City, ND

LEI: 5493002LPXKMOZNXUY90

Tax ID: 45-0134280

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • 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 International Bank & Trust is a smaller bank specializing in Home Purchase loans. First International Bank & Trust has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Fargo, Bismarck, Minot, and Williston among others. We have data for 37 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First International Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First International Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.63% 4/22/24
    30 Year Conventional Purchase 6.59% 4/22/24
    30 Year Conventional Refi 6.52% 4/22/24
    30 Year Cash-out Refi 6.72% 4/22/24
    30 Year FHA Purchase 7.35% 4/22/24
    30 Year FHA Refi 6.99% 4/22/24
    30 Year VA Purchase 6.09% 4/22/24
    30 Year VA Refi 5.89% 4/22/24
    30 Year USDA Purchase 6.60% 4/22/24
    15 Year Conventional Purchase 6.12% 4/22/24
    15 Year Conventional Refi 6.12% 4/22/24
    15 Year Cash-out Refi 6.12% 4/22/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    First International Bank & Trust Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from First International Bank & Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,042

    Origination Dollar Volume (All Markets)

    $340,910,000

    Employee count

    615 Show all (10) awards

    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
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 211 $116,115,000 $550,308 $7,148 5.19%
    FARGO, ND-MN (FHA|USDA|VA) 262 $78,630,000 $300,115 $2,771 4.72%
    Outside of Metro Areas 177 $39,815,000 $224,944 $3,686 4.84%
    BISMARCK, ND (FHA|USDA|VA) 132 $32,550,000 $246,591 $3,890 4.54%
    Minot, ND (FHA|USDA|VA) 96 $27,760,000 $289,167 $2,795 4.67%
    Williston, ND (FHA|USDA|VA) 74 $19,950,000 $269,595 $4,152 4.55%
    Fergus Falls, MN (FHA|USDA|VA) 19 $11,585,000 $609,737 $6,363 4.41%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 17 $3,485,000 $205,000 $3,046 4.87%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 10 $1,610,000 $161,000 $3,911 4.89%
    Dickinson, ND (FHA|USDA|VA) 4 $1,390,000 $347,500 $4,951 5.00%
    Show Low, AZ (FHA|USDA|VA) 4 $780,000 $195,000 $1,821 4.56%
    Wahpeton, ND-MN (FHA|USDA|VA) 3 $685,000 $228,333 $4,953 4.81%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $455,000 $455,000 $3,543 4.50%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $425,000 $425,000 $2,460 4.75%
    Brainerd, MN (FHA|USDA|VA) 3 $385,000 $128,333 $2,570 5.33%
    Payson, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $7,928 4.88%
    Shawnee, OK (FHA|USDA|VA) 1 $365,000 $365,000 $3,076 5.75%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $365,000 $365,000 $498 4.50%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $350,000 $175,000 $496 4.63%
    TUCSON, AZ (FHA|USDA|VA) 3 $335,000 $111,667 $2,208 5.83%
    Bemidji, MN (FHA|USDA|VA) 2 $330,000 $165,000 $4,173 4.56%
    RAPID CITY, SD (FHA|USDA|VA) 1 $315,000 $315,000 $5,448 3.75%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $305,000 $305,000 $6,067 4.63%
    TOLEDO, OH (FHA|USDA|VA) 2 $290,000 $145,000 $2,664 5.00%
    DOVER, DE (FHA|USDA|VA) 1 $265,000 $265,000 $11,417 4.13%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $245,000 $245,000 $2,948 4.25%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $235,000 $235,000 $1,312 4.75%
    Spearfish, SD (FHA|USDA|VA) 1 $205,000 $205,000 $2,209 4.75%
    Watertown, SD (FHA|USDA|VA) 1 $195,000 $195,000 $4,350 4.63%
    Gillette, WY (FHA|USDA|VA) 1 $195,000 $195,000 $1,847 5.25%
    BILLINGS, MT (FHA|USDA|VA) 1 $185,000 $185,000 $600 4.63%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.75%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $135,000 $135,000 $3,220 4.75%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $115,000 $115,000 $2,612 4.75%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $110,000 $55,000 $0 6.87%
    Hobbs, NM (FHA|USDA|VA) 1 $105,000 $105,000 $3,283 4.25%
    Riverton, WY (FHA|USDA|VA) 1 $95,000 $95,000 $2,338 5.88%
    First International Bank & Trust's top markets include Phoenix, Fargo, Bismarck, Minot, and Williston among others.

    Their top states include:
  • North Dakota (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Wyoming (FHA|USDA|VA)
  • South Dakota (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against First International Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    WESTERN COOPERATIVE CREDIT UNION
    Similarity Rank: 36
    VISIONBank
    Similarity Rank: 162
    CAPITAL CREDIT UNION
    Similarity Rank: 184
    T & C REAL ESTATE SERVICES LLC
    Similarity Rank: 312
    Deere Employees Credit Union
    Similarity Rank: 326
    VALLEY MORTGAGE, INC.
    Similarity Rank: 336
    Dacotah Bank
    Similarity Rank: 357
    SERVICE FIRST FEDERAL CREDIT UNION
    Similarity Rank: 380
    SIOUX FALLS
    Similarity Rank: 385
    Cornerstone State Bank
    Similarity Rank: 408

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 864 $300,490,000 $347,789 $4,132 4.94%
    FHA 111 $23,595,000 $212,568 $5,042 4.23%
    VA 52 $14,550,000 $279,808 $4,948 4.01%
    USDA 15 $2,275,000 $151,667 $2,728 4.04%

    For 2018, First International Bank & Trust's most frequently originated type of loan was Conventional, with 864 originations. Their 2nd most popular type was FHA, with 111 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 772 $250,190,000 $324,080 $4,225 4.71%
    Cash Out Refi 116 $49,950,000 $430,603 $5,824 5.07%
    Refi 108 $34,540,000 $319,815 $3,430 4.91%
    Other 29 $3,315,000 $114,310 $2,286 5.21%
    Home Improvement 17 $2,915,000 $171,471 $437 5.72%

    For 2018, First International Bank & Trust's most frequently cited loan purpose was Home Purchase, with 772 originations. The 2nd most popular reason was Cash Out Refi, with 116 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 743 $217,725,000 $293,035 $4,366 4.67%
    20 Year 114 $41,550,000 $364,474 $4,475 5.35%
    15 Year 84 $18,760,000 $223,333 $2,996 4.51%
    Other 39 $24,405,000 $625,769 $420 5.67%
    10 Year 30 $15,740,000 $524,667 $966 5.12%
    5 Year 12 $860,000 $71,667 $443 5.68%
    1 Year 8 $7,730,000 $966,250 $0 5.82%
    30+ year 8 $13,260,000 $1,657,500 $23,431 4.97%
    3 Year 4 $880,000 $220,000 $0 5.36%

    For 2018, First International Bank & Trust's most frequently cited loan duration was 30 Year, with 743 originations. The 2nd most popular length was 20 Year, with 114 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 415 $91,995,000 $221,675
    $1k-2k 90 $19,420,000 $215,778
    $5k+ 83 $75,185,000 $905,843
    $2k-3k 72 $16,160,000 $224,444
    $3k-4k 56 $15,300,000 $273,214
    $4k-5k 46 $16,800,000 $365,217

    First International Bank & Trust's average total fees were $4,366, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 415 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 564 $177,770,000 $315,195
    5-6% 275 $103,645,000 $376,891
    3-4% 153 $38,755,000 $253,301
    6-7% 39 $12,705,000 $325,769
    7-8% 9 $7,565,000 $840,556
    2.5-3% 1 $455,000 $455,000
    Over 8% 1 $15,000 $15,000

    During 2018, First International Bank & Trust's average interest rate for loans was 4.67%, while their most frequently originated rate bucket for loans was 4-5%, with 564 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 417 $116,505,000 $279,388 $4,030 4.67%
    $100k-200k 349 $54,775,000 $156,948 $2,568 4.77%
    $100,000 or less 128 $8,130,000 $63,516 $1,102 5.24%
    $400k-600k 85 $38,635,000 $454,529 $5,927 4.71%
    $1MM+ 38 $103,950,000 $2,735,526 $23,033 5.04%
    $600k-1MM 25 $18,915,000 $756,600 $9,864 5.28%

    2018 saw First International Bank & Trust place emphasis on $200k-400k loans with 417 originations, totaling $116,505,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 202 $53,440,000 $264,554 $3,942 4.82%
    $50k-75k 200 $40,060,000 $200,300 $3,386 4.61%
    $75k-100k 169 $39,555,000 $234,053 $3,567 4.79%
    $50k or less 127 $18,175,000 $143,110 $2,489 4.55%
    $150k-250k 105 $30,285,000 $288,429 $4,548 4.96%
    $250k+ 103 $75,245,000 $730,534 $9,930 4.86%

    First International Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 202 originations. The second most popular income band? $50k-75k, with 200 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 154 $45,200,000 $293,506 $3,781 4.74%
    20-30% 153 $39,275,000 $256,699 $3,472 4.64%
    50-60% 70 $28,800,000 $411,429 $8,160 4.61%
    <20% 68 $17,190,000 $252,794 $3,595 4.71%
    40% 43 $11,225,000 $261,047 $3,605 4.60%
    46% 42 $12,330,000 $293,571 $5,310 4.65%
    44% 41 $7,465,000 $182,073 $2,911 4.98%
    42% 40 $13,400,000 $335,000 $4,836 4.70%
    41% 39 $12,235,000 $313,718 $4,952 4.51%
    48% 37 $9,125,000 $246,622 $3,352 4.62%
    49% 36 $8,440,000 $234,444 $3,787 4.72%
    45% 36 $9,530,000 $264,722 $3,970 4.74%
    47% 36 $8,240,000 $228,889 $3,693 4.77%
    43% 34 $8,750,000 $257,353 $3,993 4.94%
    39% 31 $10,045,000 $324,032 $4,254 4.84%
    37% 29 $7,375,000 $254,310 $3,795 4.73%
    >60% 26 $11,370,000 $437,308 $9,141 5.40%
    36% 22 $5,480,000 $249,091 $4,845 4.85%
    38% 13 $2,575,000 $198,077 $3,571 4.58%

    First International Bank & Trust lent most frequently to those with DTI ratios of 30-36%, with 154 originations. The next most common DTI ratio? 20-30%, with 153 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 869 $238,935,000 $274,954 $4,195 4.72%
    Not applicable 72 $70,190,000 $974,861 $0 5.61%
    Not provided 66 $24,160,000 $366,061 $5,472 5.05%
    Asian 18 $3,710,000 $206,111 $2,298 4.67%
    Black 11 $2,345,000 $213,182 $2,940 4.84%
    American Indian 2 $580,000 $290,000 $308 4.88%
    Native Hawaiian or Islander 2 $440,000 $220,000 $4,676 5.38%
    Asian Indian 1 $305,000 $305,000 $4,176 3.88%
    Other Asian 1 $245,000 $245,000 $2,164 6.13%

    Approval Rates

    Total approvals of all applications
    96.73%

    First International Bank & Trust 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
    89.25%

    First International Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,042 $340,910,000 $327,169

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $2,250,000 $562,500
    Multifamily:Site-Built 24 $57,900,000 $2,412,500
    Single Family (1-4 Units):Manufactured 11 $1,375,000 $125,000
    Single Family (1-4 Units):Site-Built 1,003 $279,385,000 $278,549

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 40 $5,400,000 $135,000 $1,489 5.12%
    40-60% 81 $24,235,000 $299,198 $3,581 4.93%
    60-80% 375 $166,575,000 $444,200 $5,135 4.95%
    80-100% 483 $136,765,000 $283,157 $4,155 4.59%
    Over 100% 12 $3,710,000 $309,167 $9,226 3.92%
    Under 20% 49 $4,115,000 $83,980 $583 5.52%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Home equity loan or line of credit (HELOC) Closing on a mortgage 1 50.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Struggling to pay mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First International Bank & Trust 100 North Main Street Watford City, ND 58854 Full Service B&M $593,561
    First International Bank & Trust 111 N.E. Fourth Street Staples, MN 56479 Full Service B&M $66,360
    First International Bank & Trust 1331 9th Avenue Nw Williston, ND 58801 Full Service B&M $214,702
    First International Bank & Trust 1350 13th Avenue East West Fargo, ND 58078 Full Service B&M $118,730
    First International Bank & Trust 143 Warrington Avenue Bowdon, ND 58418 Full Service B&M $2,319
    First International Bank & Trust 150 16th Street Sw Minot, ND 58701 Full Service B&M $46,945
    First International Bank & Trust 1600 South Broadway Minot, ND 58702 Full Service B&M $201,781
    First International Bank & Trust 1601 North 12th Street Bismarck, ND 58501 Full Service B&M $61,600
    First International Bank & Trust 1628 North Higley Road Gilbert, AZ 85234 Full Service B&M $181,109
    First International Bank & Trust 19 Fourth Street E Williston, ND 58801 Full Service B&M $27,849
    First International Bank & Trust 1970 South Columbia Road Suite 110 Grand Forks, ND 58201 Full Service B&M $23,013
    First International Bank & Trust 204 North Main Elgin, ND 58533 Full Service B&M $36,532
    First International Bank & Trust 215 Highway 2 Sw Rugby, ND 58368 Full Service B&M $18,789
    First International Bank & Trust 2150 21st Ave Nw Minot, ND 58701 Full Service B&M $48,917
    First International Bank & Trust 2231 East Camelback Road Phoenix, AZ 85016 Full Service B&M $58,463
    First International Bank & Trust 300 West 11th Street Williston, ND 58801 Full Service B&M $23,203
    First International Bank & Trust 3001 25th Street South Fargo, ND 58103 Full Service B&M $288,519
    First International Bank & Trust 3101 North Broadway Fargo, ND 58102 Full Service B&M $17,792
    First International Bank & Trust 313 Fox Hills Parkway North Watford City, ND 58854 Full Service B&M $4,402
    First International Bank & Trust 4501 40th Avenue South Fargo, ND 58104 Full Service B&M $75,157
    First International Bank & Trust 616 Oak Street Alexander, ND 58831 Full Service B&M $26,659
    First International Bank & Trust 78 South Main Street Fessenden, ND 58438 Full Service B&M $49,174
    First International Bank & Trust 7900 East Raintree Drive Scottsdale, AZ 85260 Full Service B&M $52,174
    First International Bank & Trust 800 30th Avenue South Moorhead, MN 56560 Full Service B&M $34,623
    First International Bank & Trust 910 Lincoln Avenue Harvey, ND 58341 Full Service B&M $61,439
    First International Bank & Trust Central And High Streets Killdeer, ND 58640 Full Service B&M $55,138
    First International Bank & Trust Highway 10 And Beaulieu Street Motley, MN 56466 Limited, Drive-thru $13,735

    For 2018, First International Bank & Trust had 27 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $121,784
    Net interest income $108,088
    Total noninterest income $35,488
    Gross Fiduciary activities income $6,049
    Service charges on deposit accounts $2,930
    Trading account gains and fees $0
    Additional Noninterest Income $26,509
    Pre-tax net operating income $39,131
    Securities gains (or losses, -) $4
    Income before extraordinary items $39,135
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $39,135
    Minority interest net income $0
    Net income $39,135
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $39,131

    First International Bank & Trust's gross interest income from loans was $121,784,000.
    First International Bank & Trust's net interest income from loans was $108,088,000.
    First International Bank & Trust's fee based income from loans was $2,930,000.
    First International Bank & Trust's net income from loans was $39,135,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,696
    Provision for credit losses $4,500
    Total noninterest expense $99,945
    Salaries and employee benefits $54,045
    Premises and equipment expense $19,155
    Additional noninterest expense $26,745
    Applicable income taxes $0
    Net charge-offs $3,203
    Cash dividends $19,000

    First International Bank & Trust's interest expense for loans was $13,696,000.
    First International Bank & Trust's payroll and benefits expense were $54,045,000.
    First International Bank & Trust's property, plant and equipment expenses $19,155,000.

    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 3.6%
    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 $2,660,030
    Deposits held in domestic offices $2,660,030
    Deposits by Individuals, partnerships, and corporations $2,167,270
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $486,034
    Deposits by Commercial banks and other depository institutions in U.S. $6,726
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $407,598
    Demand deposits $220,727
    Nontransaction accounts $2,252,432
    Money market deposit accounts (MMDAs) $667,230
    Other savings deposits (excluding MMDAs) $1,227,252
    Total time deposits $357,950
    Total time and savings deposits $2,439,303
    Noninterest-bearing deposits $549,756
    Interest-bearing deposits $2,110,274
    Retail deposits $2,553,050
    IRAs and Keogh plan accounts $28,775
    Brokered deposits $16,116
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,939,331
    Cash & Balances due from depository institutions $156,930
    Interest-bearing balances $98,824
    Total securities $414,223
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,143,742
    Loan and leases loss allowance $20,655
    Trading account assets $0
    Bank premises and fixed assets $127,878
    Other real estate owned $19,192
    Goodwill and other intangibles $19,104
    All other assets $58,262

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,939,331
    Total Liabilities $2,702,546
    Total deposits $2,660,030
    Interest-bearing deposits $2,110,274
    Deposits held in domestic offices $2,660,030
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $21,000
    Subordinated debt $0
    All other liabilities $21,516

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,143,742
    Loan and leases loss allowance $20,655
    Total loans and leases (domestic) $2,164,397
    All real estate loans $1,455,384
    Real estate loans in domestic offices $1,455,384
    Construction and development loans $206,087
    Residential 1-4 family construction $64,205
    Other construction, all land development and other land $141,882
    Loans secured by nonfarm nonresidential properties $523,085
    Nonfarm nonresidential secured by owner-occupied properties $219,525
    Commercial real estate & other non-farm, non-residential $303,560
    Multifamily residential real estate $140,912
    1-4 family residential loans $395,986
    Farmland loans $189,314
    Loans held in foreign offices $0
    Farm loans $176,796
    Commercial and industrial loans $411,602
    To non-U.S. addressees $0
    Loans to individuals $102,321
    Credit card loans $13,611
    Related Plans $1,696
    Consumer Auto Loans $34,321
    Other loans to individuals $52,693
    All other loans & leases $18,294
    Loans to foreign governments and official institutions $0
    Other loans $1,280
    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 $17,443
    Non 1-4 family restructured loans & leases $17,338
    Total loans and leases (foreign) $0

    First International Bank & Trust had $2,143,742,000 of loans outstanding in 2018. $1,455,384,000 of loans were in real estate loans. $206,087,000 of loans were in development loans. $140,912,000 of loans were in multifamily mortgage loans. $395,986,000 of loans were in 1-4 family mortgage loans. $176,796,000 of loans were in farm loans. $13,611,000 of loans were in credit card loans. $34,321,000 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 558 $127,940 $229,283
    Nonfarm, nonresidential loans - <$100k 121 $4,880 $40,331
    Nonfarm, nonresidential loans - $100-250k 186 $23,141 $124,414
    Nonfarm, nonresidential loans - $250k-1MM 251 $99,919 $398,084
    Commercial & Industrial, US addressed loans - <$1MM 2,196 $166,326 $75,740
    Commercial & Industrial, US addressed loans - <$100k 1,492 $32,692 $21,912
    Commercial & Industrial, US addressed loans - $100-250k 382 $33,433 $87,521
    Commercial & Industrial, US addressed loans - $250k-1MM 322 $100,201 $311,183
    Farmland loans - <$1MM 484 $63,370 $130,930
    Farmland loans - <$100k 176 $7,195 $40,881
    Farmland loans - $100-250k 201 $25,819 $128,453
    Farmland loans - $250k-1MM 107 $30,356 $283,701
    Agriculture operations loans - <$1MM 1,436 $82,543 $57,481
    Agriculture operations loans - <$100k 1,007 $22,568 $22,411
    Agriculture operations loans - $100-250k 289 $28,802 $99,661
    Agriculture operations loans - $250k-1MM 140 $31,173 $222,664