Inland Bank & Trust Mortgage Rates, Fees & Info

Oak Brook, IL

LEI: 549300BU5TSYOCF3Y655

Tax ID: 36-2895618

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

Review & Overview

Inland Bank & Trust is a smaller bank specializing in Home Purchase loans. Inland 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: Chicago, Springfield, Boston, Hartford, and Worcester among others. We have data for 108 markets. (Some data included below & more in-depth data is available with an active subscription.)

Inland 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. Inland Bank & Trust is typically an average 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
30 Year Conventional Purchase	6.80%	3/24/24
30 Year Conventional Refi	6.62%	3/24/24
30 Year Cash-out Refi	6.86%	3/24/24
30 Year FHA Purchase	7.69%	3/24/24
30 Year FHA Refi	6.27%	3/24/24
30 Year VA Purchase	6.49%	3/24/24
30 Year USDA Purchase	7.39%	3/24/24
15 Year Conventional Purchase	5.33%	3/24/24
15 Year Conventional Refi	6.13%	3/24/24
15 Year Cash-out Refi	6.13%	3/24/24
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.

Inland Bank & Trust Mortgage Calculator

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This is not an official calculator from Inland 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

1,661

Origination Dollar Volume (All Markets)

$384,335,000

Employee count

279

Awards

Show all (1) 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
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	931	$222,445,000	$238,931	$3,978	4.97%
SPRINGFIELD, MA (FHA\|USDA\|VA)	151	$25,845,000	$171,159	$5,651	4.83%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	54	$19,600,000	$362,963	$4,865	4.79%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	70	$15,040,000	$214,857	$4,970	4.72%
WORCESTER, MA-CT (FHA\|USDA\|VA)	63	$13,525,000	$214,683	$4,298	4.77%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	28	$7,180,000	$256,429	$5,424	5.03%
WICHITA, KS (FHA\|USDA\|VA)	51	$6,895,000	$135,196	$3,738	4.75%
Whitewater, WI (FHA\|USDA\|VA)	22	$5,600,000	$254,545	$3,435	4.93%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	26	$5,590,000	$215,000	$5,061	4.83%
Outside of Metro Areas	18	$3,770,000	$209,444	$2,993	4.92%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	10	$2,710,000	$271,000	$3,840	4.64%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	8	$2,600,000	$325,000	$4,241	4.91%
COLUMBIA, SC (FHA\|USDA\|VA)	13	$2,135,000	$164,231	$4,372	5.06%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	4	$2,020,000	$505,000	$7,222	4.59%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	2	$1,740,000	$870,000	$4,353	5.95%
JACKSONVILLE, FL (FHA\|USDA\|VA)	5	$1,725,000	$345,000	$6,808	4.55%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	11	$1,685,000	$153,182	$3,551	4.72%
Keene, NH (FHA\|USDA\|VA)	11	$1,675,000	$152,273	$4,675	4.98%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	3	$1,655,000	$551,667	$4,810	5.21%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	8	$1,530,000	$191,250	$4,048	5.28%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	5	$1,495,000	$299,000	$8,014	4.86%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	4	$1,420,000	$355,000	$9,183	4.38%
SPRINGFIELD, IL (FHA\|USDA\|VA)	10	$1,320,000	$132,000	$4,102	5.04%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	8	$1,230,000	$153,750	$4,912	5.19%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	5	$1,215,000	$243,000	$2,836	4.68%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	5	$1,205,000	$241,000	$2,438	4.88%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	3	$1,165,000	$388,333	$6,517	4.92%
KANKAKEE, IL (FHA\|USDA\|VA)	7	$1,085,000	$155,000	$3,843	4.90%
Torrington, CT (FHA\|USDA\|VA)	4	$1,070,000	$267,500	$5,643	4.91%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	3	$1,065,000	$355,000	$4,864	5.21%
NILES, MI (FHA\|USDA\|VA)	4	$990,000	$247,500	$4,779	4.81%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	2	$970,000	$485,000	$6,308	4.31%
NORWICH-NEW LONDON, CT (FHA\|USDA\|VA)	3	$965,000	$321,667	$5,853	5.38%
MADISON, WI (FHA\|USDA\|VA)	5	$965,000	$193,000	$8,681	5.18%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$920,000	$460,000	$3,819	4.81%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	2	$880,000	$440,000	$9,254	4.94%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	3	$815,000	$271,667	$5,977	4.67%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	2	$780,000	$390,000	$2,769	5.13%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	2	$770,000	$385,000	$8,199	4.06%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	2	$750,000	$375,000	$7,075	7.44%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	1	$675,000	$675,000	$8,867	4.38%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	3	$675,000	$225,000	$6,159	4.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	2	$650,000	$325,000	$3,510	5.69%
FARGO, ND-MN (FHA\|USDA\|VA)	2	$620,000	$310,000	$3,456	4.44%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$585,000	$585,000	$4,319	4.38%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	2	$570,000	$285,000	$4,182	4.69%
Vineyard Haven, MA (FHA\|USDA\|VA)	1	$545,000	$545,000	$4,691	4.63%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	2	$540,000	$270,000	$3,181	5.38%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	1	$485,000	$485,000	$3,040	4.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	1	$435,000	$435,000	$4,521	4.88%
Holland, MI (FHA\|USDA\|VA)	1	$425,000	$425,000	$3,678	4.63%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	1	$425,000	$425,000	$0	5.50%
Durango, CO (FHA\|USDA\|VA)	1	$425,000	$425,000	$3,014	4.75%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	1	$395,000	$395,000	$2,856	4.75%
CHEYENNE, WY (FHA\|USDA\|VA)	1	$385,000	$385,000	$6,720	4.63%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	2	$380,000	$190,000	$3,865	5.13%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	4	$370,000	$92,500	$2,533	4.94%
JACKSON, MI (FHA\|USDA\|VA)	2	$350,000	$175,000	$5,585	4.88%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	2	$340,000	$170,000	$3,211	4.81%
GAINESVILLE, FL (FHA\|USDA\|VA)	1	$335,000	$335,000	$7,906	4.38%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	2	$330,000	$165,000	$2,057	4.69%
GRAND FORKS, ND-MN (FHA\|USDA\|VA)	2	$320,000	$160,000	$6,312	5.00%
Brainerd, MN (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,051	4.63%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,767	4.88%
ROCKFORD, IL (FHA\|USDA\|VA)	2	$300,000	$150,000	$3,691	4.94%
RACINE, WI (FHA\|USDA\|VA)	2	$300,000	$150,000	$3,335	5.19%
Red Wing, MN (FHA\|USDA\|VA)	1	$275,000	$275,000	$10,297	5.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$275,000	$275,000	$4,162	4.38%
PEORIA, IL (FHA\|USDA\|VA)	2	$270,000	$135,000	$3,926	4.69%
ANN ARBOR, MI (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,006	4.75%
Hutchinson, KS (FHA\|USDA\|VA)	2	$260,000	$130,000	$4,172	4.94%
Rutland, VT (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,300	4.88%
Seneca, SC (FHA\|USDA\|VA)	2	$240,000	$120,000	$3,510	5.25%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$235,000	$235,000	$2,114	4.38%
Plymouth, IN (FHA\|USDA\|VA)	1	$235,000	$235,000	$7,610	4.50%
Winfield, KS (FHA\|USDA\|VA)	3	$225,000	$75,000	$3,392	4.54%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	2	$220,000	$110,000	$2,466	4.75%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	1	$215,000	$215,000	$6,033	4.75%
Key West, FL (FHA\|USDA\|VA)	1	$205,000	$205,000	$6,558	4.50%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,111	4.50%
BRUNSWICK, GA (FHA\|USDA\|VA)	1	$195,000	$195,000	$1,578	3.88%
Traverse City, MI (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,978	4.75%
RICHMOND, VA (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,308	4.88%
BATON ROUGE, LA (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,830	4.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,247	4.75%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,837	4.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,321	5.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,504	4.88%
LAWRENCE, KS (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,608	4.50%
AUBURN-OPELIKA, AL (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,392	5.25%
Elizabeth City, NC (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,652	4.13%
DALTON, GA (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,257	4.13%
SPRINGFIELD, MO (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,404	4.50%
SUMTER, SC (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,231	4.88%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,950	4.75%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,586	4.88%
Rochelle, IL (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,019	4.50%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	5.75%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	1	$105,000	$105,000	$5,613	4.38%
PITTSFIELD, MA (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,201	5.00%
Baraboo, WI (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	4.75%
Crawfordsville, IN (FHA\|USDA\|VA)	1	$95,000	$95,000	$6,584	5.63%
Beaver Dam, WI (FHA\|USDA\|VA)	1	$95,000	$95,000	$3,711	5.00%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	2	$90,000	$45,000	$1,639	5.38%
JOPLIN, MO (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,648	4.88%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,462	5.00%
KOKOMO, IN (FHA\|USDA\|VA)	1	$65,000	$65,000	$4,073	5.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	5.00%

Inland Bank & Trust's top markets include Chicago, Springfield, Boston, Hartford, and Worcester among others.

Their top states include:

Illinois (FHA|USDA|VA)

Massachusetts (FHA|USDA|VA)

Connecticut (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Wisconsin (FHA|USDA|VA)

Similar Lenders

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

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,292	$314,380,000	$243,328	$3,498	4.94%
FHA	303	$53,745,000	$177,376	$7,045	4.82%
VA	49	$13,365,000	$272,755	$7,092	4.84%
USDA	17	$2,845,000	$167,353	$4,704	4.89%

For 2018, Inland Bank & Trust's most frequently originated type of loan was Conventional, with 1,292 originations. Their 2nd most popular type was FHA, with 303 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,261	$263,985,000	$209,346	$4,820	4.88%
Refi	173	$72,155,000	$417,081	$2,682	4.83%
Cash Out Refi	155	$39,845,000	$257,065	$3,298	5.07%
Home Improvement	43	$5,265,000	$122,442	$1,048	5.49%
Other	29	$3,085,000	$106,379	$1,241	5.38%

For 2018, Inland Bank & Trust's most frequently cited loan purpose was Home Purchase, with 1,261 originations. The 2nd most popular reason was Refi, with 173 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,378	$319,430,000	$231,807	$4,981	4.91%
10 Year	118	$8,960,000	$75,932	$96	5.53%
15 Year	67	$12,895,000	$192,463	$2,957	4.03%
5 Year	61	$19,115,000	$313,361	$0	5.51%
20 Year	22	$4,600,000	$209,091	$2,928	4.80%
Other	12	$17,590,000	$1,465,833	$2,434	5.08%
1 Year	2	$1,290,000	$645,000	$0	5.38%
3 Year	1	$455,000	$455,000	$0	4.25%

For 2018, Inland Bank & Trust's most frequently cited loan duration was 30 Year, with 1,378 originations. The 2nd most popular length was 10 Year, with 118 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	1,057	$237,545,000	$224,735
$<1k	237	$20,265,000	$85,506
$2k-3k	147	$36,315,000	$247,041
$3k-4k	56	$14,020,000	$250,357
$5k+	23	$15,855,000	$689,348
$4k-5k	21	$6,015,000	$286,429

Inland Bank & Trust's average total fees were $4,981, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,057 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	1,027	$263,775,000	$256,840
5-6%	477	$94,665,000	$198,459
3-4%	56	$16,740,000	$298,929
6-7%	22	$7,190,000	$326,818
<2.5%	6	$30,000	$5,000
7-8%	3	$815,000	$271,667
Over 8%	3	$765,000	$255,000

During 2018, Inland Bank & Trust's average interest rate for loans was 4.91%, while their most frequently originated rate bucket for loans was 4-5%, with 1,027 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	627	$93,595,000	$149,274	$4,575	4.91%
$200k-400k	527	$143,175,000	$271,679	$5,122	4.84%
$100,000 or less	317	$16,935,000	$53,423	$1,712	5.13%
$400k-600k	137	$63,385,000	$462,664	$5,035	4.85%
$600k-1MM	38	$27,110,000	$713,421	$6,146	4.86%
$1MM+	15	$40,135,000	$2,675,667	$11,708	4.88%

2018 saw Inland Bank & Trust place emphasis on $100k-200k loans with 627 originations, totaling $93,595,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	412	$66,830,000	$162,209	$4,584	4.88%
$50k or less	359	$40,795,000	$113,635	$4,219	4.89%
$100k-150k	292	$70,810,000	$242,500	$4,307	4.96%
$75k-100k	252	$53,750,000	$213,294	$4,630	4.85%
$150k-250k	220	$70,390,000	$319,955	$3,902	4.93%
$250k+	106	$44,390,000	$418,774	$3,745	5.05%

Inland Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 412 originations. The second most popular income band? $50k or less, with 359 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	264	$59,440,000	$225,152	$4,185	4.88%
20-30%	242	$55,050,000	$227,479	$3,926	4.85%
44%	108	$19,650,000	$181,944	$4,426	4.95%
43%	102	$20,100,000	$197,059	$4,280	5.04%
41%	101	$20,975,000	$207,673	$3,948	4.93%
42%	74	$15,670,000	$211,757	$4,356	5.03%
37%	73	$15,785,000	$216,233	$3,835	4.95%
49%	73	$16,625,000	$227,740	$4,983	4.87%
39%	72	$14,310,000	$198,750	$4,027	5.04%
38%	67	$12,985,000	$193,806	$3,685	4.94%
40%	66	$12,140,000	$183,939	$4,059	5.09%
36%	60	$12,650,000	$210,833	$4,134	4.78%
45%	59	$13,915,000	$235,847	$4,661	4.94%
48%	58	$10,170,000	$175,345	$5,341	4.81%
46%	58	$12,690,000	$218,793	$5,065	4.77%
<20%	57	$10,975,000	$192,544	$3,477	4.84%
47%	50	$11,700,000	$234,000	$5,054	4.91%
50-60%	48	$11,010,000	$229,375	$7,152	4.83%
>60%	8	$1,050,000	$131,250	$2,217	5.13%

Inland Bank & Trust lent most frequently to those with DTI ratios of 30-36%, with 264 originations. The next most common DTI ratio? 20-30%, with 242 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,429	$308,165,000	$215,651	$4,322	4.90%
Not applicable	17	$36,015,000	$2,118,529	$0	5.17%
Black	97	$13,675,000	$140,979	$4,840	5.02%
Not provided	57	$13,315,000	$233,596	$4,040	5.01%
Asian	59	$12,485,000	$211,610	$3,928	4.90%
Native Hawaiian or Islander	1	$455,000	$455,000	$1,814	3.50%
Other Asian	1	$225,000	$225,000	$3,416	4.88%

Approval Rates

Total approvals of all applications
92.43%

Inland Bank & Trust has an average approval rate.

Pick Rate

Approvals leading to origination
84.53%

Inland Bank & Trust has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,661	$384,335,000	$231,388

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	15	$34,525,000	$2,301,667
Single Family (1-4 Units):Manufactured	3	$375,000	$125,000
Single Family (1-4 Units):Site-Built	1,643	$349,435,000	$212,681

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	58	$8,170,000	$140,862	$1,446	5.21%
40-60%	93	$28,825,000	$309,946	$3,567	4.80%
60-80%	435	$130,325,000	$299,598	$3,983	4.90%
80-100%	911	$207,125,000	$227,360	$5,309	4.88%
Over 100%	19	$4,675,000	$246,053	$8,747	4.99%
Under 20%	145	$5,215,000	$35,966	$25	5.23%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
INLAND BANK & TRUST	10 Landover Parkway Hawthorn Woods, IL 60047	Full Service B&M	$67,298
INLAND BANK & TRUST	1100 South Rand Road Lake Zurich, IL 60047	Full Service B&M	$286,290
INLAND BANK & TRUST	1900 West State Street Geneva, IL 60134	Full Service B&M	$80,405
INLAND BANK & TRUST	2225 South Wolf Road Hillside, IL 60162	Full Service B&M	$161,354
INLAND BANK & TRUST	2805 Butterfield Rd Oak Brook, IL 60523	Full Service Cyber Office	$19,754
INLAND BANK & TRUST	2805 Butterfield Road Oak Brook, IL 60523	Full Service B&M	$0
INLAND BANK & TRUST	305 West Saint Charles Road Villa Park, IL 60181	Full Service B&M	$66,044
INLAND BANK & TRUST	520 Crescent Boulevard Glen Ellyn, IL 60137	Full Service B&M	$36,777
INLAND BANK & TRUST	539 Spring Road Elmhurst, IL 60126	Full Service B&M	$17,947
INLAND BANK & TRUST	5465 South La Grange Road Countryside, IL 60525	Full Service B&M	$76,107
INLAND BANK & TRUST	6111 West Dempster Avenue Morton Grove, IL 60053	Full Service B&M	$93,098
INLAND BANK & TRUST	837 South Westmore Avenue Lombard, IL 60148	Full Service B&M	$41,511

For 2018, Inland Bank & Trust had 12 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$45,970
Net interest income	$36,031
Total noninterest income	$15,038
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$564
Trading account gains and fees	$0
Additional Noninterest Income	$14,474
Pre-tax net operating income	$11,286
Securities gains (or losses, -)	$31
Income before extraordinary items	$8,502
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$8,502
Minority interest net income	$0
Net income	$8,502
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$8,477

Inland Bank & Trust's gross interest income from loans was $45,970,000.
Inland Bank & Trust's net interest income from loans was $36,031,000.
Inland Bank & Trust's fee based income from loans was $564,000.
Inland Bank & Trust's net income from loans was $8,502,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$9,939
Provision for credit losses	$600
Total noninterest expense	$39,183
Salaries and employee benefits	$24,728
Premises and equipment expense	$3,353
Additional noninterest expense	$11,102
Applicable income taxes	$2,815
Net charge-offs	$2,130
Cash dividends	$0

Inland Bank & Trust's interest expense for loans was $9,939,000.
Inland Bank & Trust's payroll and benefits expense were $24,728,000.
Inland Bank & Trust's property, plant and equipment expenses $3,353,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	1.0%
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	1.0%
HELOC loans	0.0%
All other family	1.0%
Commercial & industrial loans	6.0%
Personal loans	2.0%
Credit card loans	0.0%
Other individual loans	2.0%
Auto loans	0.0%
Other consumer loans	3.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$969,771
Deposits held in domestic offices	$969,771
Deposits by Individuals, partnerships, and corporations	$872,882
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$94,953
Deposits by Commercial banks and other depository institutions in U.S.	$1,936
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$231,849
Demand deposits	$142,187
Nontransaction accounts	$737,922
Money market deposit accounts (MMDAs)	$396,283
Other savings deposits (excluding MMDAs)	$47,222
Total time deposits	$294,416
Total time and savings deposits	$827,584
Noninterest-bearing deposits	$142,187
Interest-bearing deposits	$827,584
Retail deposits	$894,940
IRAs and Keogh plan accounts	$32,862
Brokered deposits	$6,999
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,107,438
Cash & Balances due from depository institutions	$51,809
Interest-bearing balances	$44,344
Total securities	$222,781
Federal funds sold & reverse repurchase	$6
Net loans and leases	$793,474
Loan and leases loss allowance	$9,875
Trading account assets	$0
Bank premises and fixed assets	$11,360
Other real estate owned	$3,376
Goodwill and other intangibles	$107
All other assets	$24,525

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,107,438
Total Liabilities	$977,679
Total deposits	$969,771
Interest-bearing deposits	$827,584
Deposits held in domestic offices	$969,771
% insured (estimated)	$82
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$7,908

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$793,474
Loan and leases loss allowance	$9,875
Total loans and leases (domestic)	$803,349
All real estate loans	$652,228
Real estate loans in domestic offices	$652,228
Construction and development loans	$26,863
Residential 1-4 family construction	$6,947
Other construction, all land development and other land	$19,916
Loans secured by nonfarm nonresidential properties	$406,571
Nonfarm nonresidential secured by owner-occupied properties	$126,357
Commercial real estate & other non-farm, non-residential	$280,214
Multifamily residential real estate	$81,586
1-4 family residential loans	$137,145
Farmland loans	$63
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$114,543
To non-U.S. addressees	$0
Loans to individuals	$1,355
Credit card loans	$0
Related Plans	$51
Consumer Auto Loans	$31
Other loans to individuals	$1,273
All other loans & leases	$35,599
Loans to foreign governments and official institutions	$0
Other loans	$30,599
Loans to depository institutions and acceptances of other banks	$5,000
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$4,237
Non 1-4 family restructured loans & leases	$2,648
Total loans and leases (foreign)	$0

INLAND BANK & TRUST had $793,474,000 of loans outstanding in 2018. $652,228,000 of loans were in real estate loans. $26,863,000 of loans were in development loans. $81,586,000 of loans were in multifamily mortgage loans. $137,145,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $31,000 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	217	$66,942	$308,488
Nonfarm, nonresidential loans - <$100k	17	$764	$44,941
Nonfarm, nonresidential loans - $100-250k	67	$9,101	$135,836
Nonfarm, nonresidential loans - $250k-1MM	133	$57,077	$429,150
Commercial & Industrial, US addressed loans - <$1MM	222	$29,727	$133,905
Commercial & Industrial, US addressed loans - <$100k	126	$3,401	$26,992
Commercial & Industrial, US addressed loans - $100-250k	44	$4,913	$111,659
Commercial & Industrial, US addressed loans - $250k-1MM	52	$21,413	$411,788
Farmland loans - <$1MM	1	$63	$63,000
Farmland loans - <$100k	1	$63	$63,000