Carrollton Bank Mortgage Rates, Fees & Info
Carrollton, ILLEI: 549300CP7747DCRW6U68
Tax ID: 37-0207180
2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Bank Data
Overview
Carrollton Bank is a smaller bank specializing in Home Purchase and Refi loans. Carrollton Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include St. Louis, Springfield, Phoenix, Naples, and Cape Coral among others. Carrollton Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Carrollton Bank is typically a low fee lendor.Originations
3,661Origination Dollar Volume (All Markets)
$810,415,000Employee count
292Awards
Carrollton Bank - 2021
Carrollton Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for Carrollton Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
Carrollton Bank's average 30 year fixed rate mortgage of loans were
2.97%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.18%.
Relative Fees
Carrollton Bank's average total fees for a 30 year fixed rate
mortgage are $2,923.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3,175 | $685,805,000 | $216,002 | $2,546 | 2.90% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 150 | $32,120,000 | $214,133 | $1,843 | 2.93% |
| Outside of Metro Areas | 139 | $22,345,000 | $160,755 | $2,084 | 2.89% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 10 | $7,690,000 | $769,000 | $4,862 | 3.03% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $5,685,000 | $1,137,000 | $5,602 | 3.23% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 10 | $4,820,000 | $482,000 | $4,920 | 2.86% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 11 | $3,605,000 | $327,727 | $2,268 | 2.90% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 9 | $3,495,000 | $388,333 | $3,906 | 3.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $3,100,000 | $387,500 | $3,882 | 3.14% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 15 | $2,995,000 | $199,667 | $2,812 | 2.86% |
| COLUMBIA, MO (FHA|USDA|VA) | 6 | $2,910,000 | $485,000 | $1,978 | 3.44% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 8 | $2,760,000 | $345,000 | $4,201 | 2.97% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $2,540,000 | $1,270,000 | $1,023 | 3.19% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $5,820 | 3.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $2,553 | 2.88% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $2,435 | 3.19% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $4,400 | 3.38% |
| Lincoln, IL (FHA|USDA|VA) | 10 | $980,000 | $98,000 | $2,443 | 3.04% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $3,123 | 3.06% |
| Farmington, MO (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $2,688 | 2.96% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $0 | 4.25% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $2,665 | 3.56% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $3,364 | 2.81% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,525 | 2.13% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,298 | 2.56% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $7,284 | 2.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,253 | 3.13% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $5,556 | 3.50% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 3.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,199 | 2.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,011 | 3.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,461 | 2.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,274 | 2.63% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,766 | 2.88% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,069 | 2.88% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,407 | 2.75% |
| Branson, MO (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,203 | 3.58% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,763 | 2.13% |
| Jacksonville, IL (FHA|USDA|VA) | 5 | $395,000 | $79,000 | $1,574 | 2.65% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,768 | 3.13% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,574 | 2.75% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,317 | 2.50% |
| Russellville, AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,097 | 3.38% |
| Rolla, MO (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,192 | 2.94% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 3.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,535 | 2.13% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,632 | 2.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,903 | 2.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 4.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,681 | 2.50% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,103 | 2.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,358 | 2.38% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,309 | 2.50% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 3.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,669 | 2.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,947 | 2.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,247 | 2.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,231 | 2.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,917 | 4.75% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,143 | 2.50% |
| MERCED, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,746 | 2.88% |
| Altus, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,745 | 2.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,601 | 3.25% |
| OCALA, FL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,597 | 2.56% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,680 | 3.38% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,611 | 3.13% |
| Centralia, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,179 | 3.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,492 | 2.25% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 2.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,295 | 3.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,543 | 3.13% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,212 | 2.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,517 | 2.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,260 | 2.38% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,038 | 3.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,302 | 3.13% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,510 | 2.88% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,439 | 2.88% |
| Taylorville, IL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,583 | 2.56% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,921 | 3.63% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,935 | 3.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,242 | 3.25% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,960 | 2.88% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,541 | 2.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,232 | 2.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 2.88% |
| Mexico, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,421 | 2.88% |
| Macomb, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,202 | 3.13% |
| ENID, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,778 | 2.25% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,484 | 3.13% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.88% |
Carrollton Bank's top markets include St. Louis, Springfield, Phoenix, Naples, and Cape Coral among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 3,153 | $706,355,000 | $224,026 | $2,035 | 2.98% |
| FHA | 249 | $32,855,000 | $131,948 | $4,937 | 2.36% |
| VA | 219 | $66,085,000 | $301,758 | $5,531 | 2.42% |
| USDA | 40 | $5,120,000 | $128,000 | $3,722 | 2.62% |
For the 2021 period, Carrollton Bank's most frequently originated loan type of loans were Conventional, with 3,153 originations. Their 2nd most popular type is FHA, with 249 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 1,990 | $441,960,000 | $222,090 | $3,261 | 2.97% |
| Refi | 1,140 | $255,230,000 | $223,886 | $1,654 | 2.80% |
| Cash Out Refi | 482 | $104,400,000 | $216,598 | $1,969 | 2.84% |
| Other | 30 | $6,720,000 | $224,000 | $2,023 | 2.83% |
| Home Improvement | 19 | $2,105,000 | $110,789 | $3,248 | 3.84% |
For the 2021, Carrollton Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,990 originations. The 2nd most popular reason of loans were Refi, with 1,140 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2,352 | $539,300,000 | $229,294 | $2,923 | 2.97% |
| 15 Year | 596 | $111,290,000 | $186,728 | $1,738 | 2.41% |
| 5 Year | 270 | $62,320,000 | $230,815 | $12 | 3.41% |
| 20 Year | 128 | $23,340,000 | $182,344 | $1,678 | 2.83% |
| 10 Year | 121 | $19,235,000 | $158,967 | $1,265 | 1.74% |
| 1 Year | 84 | $21,000,000 | $250,000 | $3,917 | 3.84% |
| Other | 65 | $27,275,000 | $419,615 | $1,543 | 3.17% |
| 3 Year | 45 | $6,655,000 | $147,889 | $0 | 4.03% |
For the 2021, Carrollton Bank's most frequently cited loan length of loans were 30 Year, with 2,352 originations. The 2nd most popular length of loans were 15 Year, with 596 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 2,822 | $599,970,000 | $212,605 |
| $1k-2k | 123 | $47,385,000 | $385,244 |
| $2k-3k | 53 | $11,435,000 | $215,755 |
| $3k-4k | 17 | $6,505,000 | $382,647 |
| $5k+ | 4 | $3,570,000 | $892,500 |
$2,923 of loans were Carrollton Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 2,822 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,295 | $300,825,000 | $232,297 |
| <2.5% | 1,085 | $212,965,000 | $196,281 |
| 3-4% | 1,024 | $263,730,000 | $257,549 |
| 4-5% | 248 | $32,760,000 | $132,097 |
| 5-6% | 9 | $135,000 | $15,000 |
During 2021, Carrollton Bank's average interest rate of loans were 2.97%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,295 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 1,342 | $195,430,000 | $145,626 | $2,312 | 2.92% |
| $200k-400k | 1,140 | $314,960,000 | $276,281 | $2,845 | 2.88% |
| $100,000 or less | 820 | $52,430,000 | $63,939 | $1,750 | 2.90% |
| $400k-600k | 251 | $122,755,000 | $489,064 | $3,410 | 2.83% |
| $600k-1MM | 74 | $55,180,000 | $745,676 | $4,321 | 3.17% |
| $1MM+ | 34 | $69,660,000 | $2,048,824 | $6,008 | 3.20% |
2021 saw Carrollton Bank place emphasis on $100k-200k loans with 1,342 originations, totaling $195,430,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 751 | $111,145,000 | $147,996 | $2,501 | 2.72% |
| $100k-150k | 696 | $162,560,000 | $233,563 | $2,514 | 2.83% |
| $50k or less | 594 | $63,930,000 | $107,626 | $2,399 | 2.76% |
| $75k-100k | 524 | $101,290,000 | $193,302 | $2,616 | 2.85% |
| $150k-250k | 456 | $136,380,000 | $299,079 | $2,679 | 2.88% |
| $250k+ | 293 | $123,665,000 | $422,065 | $2,906 | 3.01% |
Carrollton Bank lent most frequently to those with incomes in the $50k-75k range, with 751 originations. The second most popular income band? $100k-150k, with 696 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 862 | $178,620,000 | $207,216 | $2,323 | 2.75% |
| 30-36% | 627 | $133,605,000 | $213,086 | $2,405 | 2.80% |
| <20% | 417 | $101,975,000 | $244,544 | $2,102 | 2.76% |
| 38% | 131 | $24,065,000 | $183,702 | $2,727 | 2.77% |
| 44% | 129 | $25,215,000 | $195,465 | $2,935 | 2.71% |
| 40% | 129 | $25,465,000 | $197,403 | $2,751 | 2.83% |
| 39% | 111 | $22,675,000 | $204,279 | $2,521 | 2.84% |
| 43% | 108 | $21,230,000 | $196,574 | $2,567 | 2.73% |
| 41% | 106 | $22,350,000 | $210,849 | $3,046 | 2.82% |
| 36% | 105 | $22,155,000 | $211,000 | $2,887 | 2.87% |
| 42% | 101 | $19,965,000 | $197,673 | $2,877 | 2.90% |
| 37% | 98 | $19,860,000 | $202,653 | $2,370 | 2.78% |
| 45% | 62 | $11,590,000 | $186,935 | $2,765 | 2.95% |
| 46% | 61 | $12,195,000 | $199,918 | $3,368 | 2.75% |
| 47% | 61 | $14,755,000 | $241,885 | $2,858 | 2.92% |
| 49% | 52 | $13,490,000 | $259,423 | $2,737 | 2.86% |
| 48% | 43 | $10,065,000 | $234,070 | $3,822 | 2.94% |
| 50-60% | 36 | $10,780,000 | $299,444 | $5,300 | 2.81% |
| >60% | 21 | $6,155,000 | $293,095 | $4,171 | 3.37% |
Carrollton Bank lent most frequently to those with DTI ratios of 20-30%, with 862 originations. The next most common DTI ratio? 30-36%, with 627 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 2,658 | $566,470,000 | $213,119 | $2,372 | 2.82% |
| Not applicable | 281 | $95,955,000 | $341,477 | $0 | 3.92% |
| Not provided | 281 | $67,465,000 | $240,089 | $3,010 | 2.81% |
| Black | 333 | $54,105,000 | $162,477 | $3,561 | 2.81% |
| Asian | 82 | $18,860,000 | $230,000 | $2,220 | 2.81% |
| American Indian | 15 | $3,765,000 | $251,000 | $2,804 | 2.89% |
| Asian Indian | 7 | $2,875,000 | $410,714 | $2,918 | 2.64% |
| Japanese | 2 | $460,000 | $230,000 | $3,679 | 2.94% |
| Filipino | 2 | $460,000 | $230,000 | $1,906 | 3.06% |
Approval Rates
Total approvals of all applications94.57%
Carrollton Bank has an average approval rate.
Pick Rate
Approvals leading to origination82.38%
Carrollton Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,661 | $810,415,000 | $221,364 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,661 | $810,415,000 | $221,364 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 178 | $34,700,000 | $194,944 | $1,791 | 2.80% |
| 40-60% | 506 | $109,390,000 | $216,186 | $1,833 | 2.77% |
| 60-80% | 1,415 | $334,725,000 | $236,555 | $2,034 | 3.05% |
| 80-100% | 1,374 | $306,010,000 | $222,715 | $3,189 | 2.97% |
| Over 100% | 51 | $14,305,000 | $280,490 | $10,749 | 2.45% |
| Under 20% | 103 | $2,665,000 | $25,874 | $281 | 1.21% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Carrollton Bank | 1575 North Green Mount Road O Fallon, IL 62269 | Full Service B&M | $341,821 |
| Carrollton Bank | 1001 Craig Rd Saint Louis, MO 63146 | Limited, Administrative | $0 |
| Carrollton Bank | 1101 South State Street Jerseyville, IL 62052 | Full Service B&M | $207,293 |
| Carrollton Bank | 11710 Manchester Road Des Peres, MO 63131 | Full Service B&M | $393,151 |
| Carrollton Bank | 120 Homer Adams Parkway Alton, IL 62002 | Full Service B&M | $204,715 |
| Carrollton Bank | 136 Northport Drive Godfrey, IL 62035 | Limited, Drive-thru | $0 |
| Carrollton Bank | 1925 Richardson Road Arnold, MO 63010 | Full Service B&M | $105,030 |
| Carrollton Bank | 2135 West Wabash Avenue Springfield, IL 62705 | Full Service B&M | $324,969 |
| Carrollton Bank | 222 East Park Street, Suite 400 Edwardsville, IL 62025 | Full Service B&M | $78,797 |
| Carrollton Bank | 3050 West Clay Street Saint Charles, MO 63301 | Full Service B&M | $234,876 |
| Carrollton Bank | 315 West Public Square Carrollton, IL 62016 | Full Service B&M | $172,454 |
| Carrollton Bank | 5807 Murdoch Avenue Saint Louis, MO 63109 | Full Service B&M | $308,394 |
| Carrollton Bank | 7911 Forsyth Boulevard Clayton, MO 63105 | Full Service B&M | $350,163 |
For 2021, Carrollton Bank had 13 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $90,178 |
| Net interest income | $78,058 |
| Total noninterest income | $21,953 |
| Gross Fiduciary activities income | $107 |
| Service charges on deposit accounts | $595 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $21,251 |
| Pre-tax net operating income | $33,468 |
| Securities gains (or losses, -) | $2 |
| Income before extraordinary items | $33,140 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $33,140 |
| Minority interest net income | $0 |
| Net income | $33,140 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $33,138 |
Carrollton Bank's gross interest income from loans was $90,178,000.
Carrollton Bank's net interest income from loans was $78,058,000.
Carrollton Bank's fee based income from loans was $595,000.
Carrollton Bank's net income from loans was $33,140,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $12,120 |
| Provision for credit losses | $1,944 |
| Total noninterest expense | $64,599 |
| Salaries and employee benefits | $41,305 |
| Premises and equipment expense | $6,419 |
| Additional noninterest expense | $16,875 |
| Applicable income taxes | $330 |
| Net charge-offs | $191 |
| Cash dividends | $18,300 |
Carrollton Bank's interest expense for loans was $12,120,000.
Carrollton Bank's payroll and benefits expense were $41,305,000.
Carrollton Bank's property, plant and equipment expenses $6,419,000.
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 | $2,889,529 |
| Deposits held in domestic offices | $2,889,529 |
| Deposits by Individuals, partnerships, and corporations | $2,595,807 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $290,414 |
| Deposits by Commercial banks and other depository institutions in U.S. | $3,308 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,176,612 |
| Demand deposits | $630,428 |
| Nontransaction accounts | $1,712,917 |
| Money market deposit accounts (MMDAs) | $1,318,381 |
| Other savings deposits (excluding MMDAs) | $56,285 |
| Total time deposits | $338,251 |
| Total time and savings deposits | $2,259,101 |
| Noninterest-bearing deposits | $565,552 |
| Interest-bearing deposits | $2,323,977 |
| Retail deposits | $2,682,379 |
| IRAs and Keogh plan accounts | $25,137 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $3,095,714 |
| Cash & Balances due from depository institutions | $833,711 |
| Interest-bearing balances | $807,620 |
| Total securities | $253,640 |
| Federal funds sold & reverse repurchase | $11,031 |
| Net loans and leases | $1,941,982 |
| Loan and leases loss allowance | $34,470 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $29,246 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $4,686 |
| All other assets | $21,418 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $3,095,714 |
| Total Liabilities | $2,895,621 |
| Total deposits | $2,889,529 |
| Interest-bearing deposits | $2,323,977 |
| Deposits held in domestic offices | $2,889,529 |
| % insured (estimated) | $52 |
| Federal funds purchased and repurchase agreements | $380 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $5,712 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,941,982 |
| Loan and leases loss allowance | $34,470 |
| Total loans and leases (domestic) | $1,976,452 |
| All real estate loans | $1,265,017 |
| Real estate loans in domestic offices | $1,265,017 |
| Construction and development loans | $90,461 |
| Residential 1-4 family construction | $37,430 |
| Other construction, all land development and other land | $53,031 |
| Loans secured by nonfarm nonresidential properties | $677,722 |
| Nonfarm nonresidential secured by owner-occupied properties | $398,729 |
| Commercial real estate & other non-farm, non-residential | $278,993 |
| Multifamily residential real estate | $84,425 |
| 1-4 family residential loans | $339,886 |
| Farmland loans | $72,523 |
| Loans held in foreign offices | $0 |
| Farm loans | $69,982 |
| Commercial and industrial loans | $628,977 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $6,539 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $1,473 |
| Other loans to individuals | $5,066 |
| All other loans & leases | $5,956 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $127 |
| Loans to depository institutions and acceptances of other banks | $500 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $374 |
| Non 1-4 family restructured loans & leases | $314 |
| Total loans and leases (foreign) | $0 |
Carrollton Bank had $1,941,982,000 of loans outstanding in 2021. $1,265,017,000 of loans were in real estate loans. $90,461,000 of loans were in development loans. $84,425,000 of loans were in multifamily mortgage loans. $339,886,000 of loans were in 1-4 family mortgage loans. $69,982,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,473,000 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 | 894 | $223,211 | $249,677 |
| Nonfarm, nonresidential loans - <$100k | 207 | $9,490 | $45,845 |
| Nonfarm, nonresidential loans - $100-250k | 285 | $38,092 | $133,656 |
| Nonfarm, nonresidential loans - $250k-1MM | 402 | $175,629 | $436,888 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,934 | $230,918 | $119,399 |
| Commercial & Industrial, US addressed loans - <$100k | 872 | $27,293 | $31,299 |
| Commercial & Industrial, US addressed loans - $100-250k | 485 | $46,760 | $96,412 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 577 | $156,865 | $271,863 |
| Farmland loans - <$1MM | 422 | $35,229 | $83,481 |
| Farmland loans - <$100k | 133 | $4,598 | $34,571 |
| Farmland loans - $100-250k | 162 | $12,518 | $77,272 |
| Farmland loans - $250k-1MM | 127 | $18,113 | $142,622 |
| Agriculture operations loans - <$1MM | 404 | $25,498 | $63,114 |
| Agriculture operations loans - <$100k | 268 | $5,989 | $22,347 |
| Agriculture operations loans - $100-250k | 86 | $9,181 | $106,756 |
| Agriculture operations loans - $250k-1MM | 50 | $10,328 | $206,560 |
