The Sacramento Deposit Bank Mortgage Rates, Fees & Info
Sacramento, KYLEI: 54930077RRQE77TVA474
Tax ID: 61-0328255
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Mortgage Data
Bank Data
Review & Overview
The Sacramento Deposit Bank is a smaller bank specializing in various types of mortgages.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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.23% | 12/16/24 |
| 30 Year Conventional Refi | 6.79% | 12/16/24 |
| 15 Year Conventional Purchase | 7.35% | 12/16/24 |
| 15 Year Conventional Refi | 6.37% | 12/16/24 |
| 15 Year Cash-out Refi | 6.37% | 12/16/24 |
| 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. | ||
The Sacramento Deposit Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
0Origination Dollar Volume (All Markets)
$0Employee count
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Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The Sacramento Deposit Bank | 102 N Main St Caneyville, KY 42721 | Full Service B&M | $46,901 |
| The Sacramento Deposit Bank | 335 Main Street Sacramento, KY 42372 | Full Service B&M | $69,519 |
For 2021, The Sacramento Deposit Bank had 2 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $5,211 |
| Net interest income | $4,611 |
| Total noninterest income | $501 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $129 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $372 |
| Pre-tax net operating income | $2,164 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $1,984 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $1,984 |
| Minority interest net income | $0 |
| Net income | $1,984 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $1,984 |
The Sacramento Deposit Bank's gross interest income from loans was $5,211,000.
The Sacramento Deposit Bank's net interest income from loans was $4,611,000.
The Sacramento Deposit Bank's fee based income from loans was $129,000.
The Sacramento Deposit Bank's net income from loans was $1,984,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $600 |
| Provision for credit losses | $206 |
| Total noninterest expense | $2,742 |
| Salaries and employee benefits | $1,588 |
| Premises and equipment expense | $270 |
| Additional noninterest expense | $884 |
| Applicable income taxes | $180 |
| Net charge-offs | $112 |
| Cash dividends | $1,940 |
The Sacramento Deposit Bank's interest expense for loans was $600,000.
The Sacramento Deposit Bank's payroll and benefits expense were $1,588,000.
The Sacramento Deposit Bank's property, plant and equipment expenses $270,000.
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 | 1.0% |
| 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 | $120,454 |
| Deposits held in domestic offices | $120,454 |
| Deposits by Individuals, partnerships, and corporations | $118,005 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $2,449 |
| 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 | $52,120 |
| Demand deposits | $41,115 |
| Nontransaction accounts | $68,334 |
| Money market deposit accounts (MMDAs) | $4,292 |
| Other savings deposits (excluding MMDAs) | $16,266 |
| Total time deposits | $47,776 |
| Total time and savings deposits | $79,339 |
| Noninterest-bearing deposits | $41,115 |
| Interest-bearing deposits | $79,339 |
| Retail deposits | $115,692 |
| IRAs and Keogh plan accounts | $15,418 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $133,794 |
| Cash & Balances due from depository institutions | $5,505 |
| Interest-bearing balances | $994 |
| Total securities | $40,537 |
| Federal funds sold & reverse repurchase | $13,364 |
| Net loans and leases | $69,776 |
| Loan and leases loss allowance | $631 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $807 |
| Other real estate owned | $181 |
| Goodwill and other intangibles | $58 |
| All other assets | $3,566 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $133,794 |
| Total Liabilities | $121,336 |
| Total deposits | $120,454 |
| Interest-bearing deposits | $79,339 |
| Deposits held in domestic offices | $120,454 |
| % insured (estimated) | $92 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $217 |
| Subordinated debt | $0 |
| All other liabilities | $665 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $69,776 |
| Loan and leases loss allowance | $631 |
| Total loans and leases (domestic) | $70,407 |
| All real estate loans | $55,249 |
| Real estate loans in domestic offices | $55,249 |
| Construction and development loans | $1,513 |
| Residential 1-4 family construction | $1,513 |
| Other construction, all land development and other land | $0 |
| Loans secured by nonfarm nonresidential properties | $16,464 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,833 |
| Commercial real estate & other non-farm, non-residential | $14,631 |
| Multifamily residential real estate | $57 |
| 1-4 family residential loans | $22,126 |
| Farmland loans | $15,089 |
| Loans held in foreign offices | $0 |
| Farm loans | $3,181 |
| Commercial and industrial loans | $5,686 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $6,291 |
| Credit card loans | $0 |
| Related Plans | $54 |
| Consumer Auto Loans | $4,982 |
| Other loans to individuals | $1,255 |
| All other loans & leases | $0 |
| 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 | $5,686 |
| 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 Sacramento Deposit Bank had $69,776,000 of loans outstanding in 2021. $55,249,000 of loans were in real estate loans. $1,513,000 of loans were in development loans. $57,000 of loans were in multifamily mortgage loans. $22,126,000 of loans were in 1-4 family mortgage loans. $3,181,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,982,000 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 | 238 | $16,329 | $68,609 |
| Nonfarm, nonresidential loans - <$100k | 174 | $6,456 | $37,103 |
| Nonfarm, nonresidential loans - $100-250k | 54 | $6,773 | $125,426 |
| Nonfarm, nonresidential loans - $250k-1MM | 10 | $3,100 | $310,000 |
| Commercial & Industrial, US addressed loans - <$1MM | 181 | $5,686 | $31,414 |
| Commercial & Industrial, US addressed loans - <$100k | 164 | $2,672 | $16,293 |
| Commercial & Industrial, US addressed loans - $100-250k | 11 | $687 | $62,455 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 6 | $2,327 | $387,833 |
| Farmland loans - <$1MM | 147 | $10,766 | $73,238 |
| Farmland loans - <$100k | 83 | $2,191 | $26,398 |
| Farmland loans - $100-250k | 46 | $4,725 | $102,717 |
| Farmland loans - $250k-1MM | 18 | $3,850 | $213,889 |
| Agriculture operations loans - <$1MM | 115 | $3,181 | $27,661 |
| Agriculture operations loans - <$100k | 102 | $1,936 | $18,980 |
| Agriculture operations loans - $100-250k | 10 | $879 | $87,900 |
| Agriculture operations loans - $250k-1MM | 3 | $366 | $122,000 |