Midwest Community Bank Mortgage Rates, Fees & Info

Freeport, IL

LEI: 549300FGUI1NQCS1M144

Tax ID: 36-2559411

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

Review & Overview

Midwest Community Bank is a smaller bank specializing in Home Purchase and Refi loans. Midwest Community Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Chicago, Rockford, Phoenix, Rochelle, and Freeport among others. We have data for 74 markets. (Some data included below & more in-depth data is available with an active subscription.)

Midwest Community Bank 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. Midwest Community Bank 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
30 Year Conventional Purchase	6.76%	12/16/24
30 Year Conventional Refi	6.52%	12/16/24
30 Year Cash-out Refi	6.85%	12/16/24
30 Year FHA Purchase	7.32%	12/16/24
30 Year FHA Refi	6.93%	12/16/24
30 Year VA Purchase	6.24%	12/16/24
15 Year Conventional Purchase	6.02%	12/16/24
15 Year Conventional Refi	6.05%	12/16/24
15 Year Cash-out Refi	6.05%	12/16/24
15 Year FHA Refi	6.57%	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.

Midwest Community Bank Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

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

This is not an official calculator from Midwest Community Bank. 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

1,525

Origination Dollar Volume (All Markets)

$301,545,000

Employee count

182

Awards

Midwest Community Bank 30 Year Conventional Loans bronze

Midwest Community Bank 30 Year Conventional Loans gold

Show all (3) 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)	671	$158,405,000	$236,073	$4,342	4.00%
ROCKFORD, IL (FHA\|USDA\|VA)	607	$84,455,000	$139,135	$3,414	4.33%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	21	$5,995,000	$285,476	$3,413	4.01%
Rochelle, IL (FHA\|USDA\|VA)	32	$5,710,000	$178,438	$3,965	4.13%
Freeport, IL (FHA\|USDA\|VA)	45	$4,675,000	$103,889	$2,421	4.42%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	6	$3,620,000	$603,333	$8,798	4.10%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	6	$2,780,000	$463,333	$4,072	3.63%
Outside of Metro Areas	17	$2,695,000	$158,529	$2,902	4.04%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	9	$2,655,000	$295,000	$3,994	3.82%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	4	$1,980,000	$495,000	$3,686	4.22%
Breckenridge, CO (FHA\|USDA\|VA)	2	$1,830,000	$915,000	$4,869	4.75%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	8	$1,770,000	$221,250	$2,322	4.09%
Whitewater, WI (FHA\|USDA\|VA)	8	$1,430,000	$178,750	$3,134	4.55%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	4	$1,390,000	$347,500	$3,835	3.72%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	5	$1,175,000	$235,000	$3,070	3.90%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	4	$960,000	$240,000	$6,422	3.97%
Ottawa, IL (FHA\|USDA\|VA)	5	$945,000	$189,000	$4,466	4.30%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	3	$805,000	$268,333	$4,932	3.54%
DULUTH, MN-WI (FHA\|USDA\|VA)	3	$765,000	$255,000	$2,761	4.08%
SANTA FE, NM (FHA\|USDA\|VA)	1	$685,000	$685,000	$9,891	3.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	2	$620,000	$310,000	$3,672	3.63%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	3	$605,000	$201,667	$3,776	4.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	2	$590,000	$295,000	$9,116	3.63%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$525,000	$525,000	$3,396	4.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	2	$500,000	$250,000	$3,021	3.88%
MADISON, WI (FHA\|USDA\|VA)	3	$495,000	$165,000	$7,230	4.88%
NILES, MI (FHA\|USDA\|VA)	1	$485,000	$485,000	$3,273	3.88%
BRUNSWICK, GA (FHA\|USDA\|VA)	1	$485,000	$485,000	$8,289	3.25%
FRESNO, CA (FHA\|USDA\|VA)	1	$445,000	$445,000	$2,863	3.75%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	1	$435,000	$435,000	$2,513	4.13%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$405,000	$405,000	$4,646	3.38%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	1	$405,000	$405,000	$4,602	3.88%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	1	$405,000	$405,000	$3,259	3.63%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1	$395,000	$395,000	$2,954	3.63%
Holland, MI (FHA\|USDA\|VA)	1	$395,000	$395,000	$0	4.13%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	1	$395,000	$395,000	$3,383	3.75%
PEORIA, IL (FHA\|USDA\|VA)	2	$390,000	$195,000	$2,156	4.13%
LEWISTON-AUBURN, ME (FHA\|USDA\|VA)	1	$385,000	$385,000	$2,719	3.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$385,000	$385,000	$2,699	3.88%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	1	$375,000	$375,000	$2,743	3.38%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	1	$375,000	$375,000	$2,813	4.25%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	1	$365,000	$365,000	$3,986	3.13%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	1	$355,000	$355,000	$3,176	3.88%
Alexandria, MN (FHA\|USDA\|VA)	1	$325,000	$325,000	$4,105	3.63%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$325,000	$325,000	$3,442	3.88%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$315,000	$315,000	$2,573	3.63%
Cookeville, TN (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,448	3.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,003	3.63%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,211	4.38%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	1	$265,000	$265,000	$4,138	3.50%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	1	$265,000	$265,000	$4,521	4.50%
TYLER, TX (FHA\|USDA\|VA)	1	$265,000	$265,000	$2,214	4.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	2	$260,000	$130,000	$2,244	4.00%
Baraboo, WI (FHA\|USDA\|VA)	1	$255,000	$255,000	$1,883	3.63%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,209	4.13%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,823	3.88%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,553	3.88%
Menomonie, WI (FHA\|USDA\|VA)	2	$240,000	$120,000	$2,352	4.38%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,974	3.63%
Angola, IN (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,709	3.50%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,241	3.88%
CARBONDALE-MARION, IL (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,631	3.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,302	3.63%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,422	4.00%
TUSCALOOSA, AL (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,236	3.50%
Clarksburg, WV (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,233	3.75%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	1	$165,000	$165,000	$4,418	3.63%
COLUMBIA, SC (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,273	4.38%
Charleston-Mattoon, IL (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,792	3.75%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,552	3.88%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,783	3.50%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,252	3.38%
TALLAHASSEE, FL (FHA\|USDA\|VA)	1	$75,000	$75,000	$3,287	4.13%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	5.75%

Midwest Community Bank's top markets include Chicago, Rockford, Phoenix, Rochelle, and Freeport among others.

Their top states include:

Illinois (FHA|USDA|VA)

Wisconsin (FHA|USDA|VA)

Arizona (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Washington (FHA|USDA|VA)

Similar Lenders

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

Rock Valley Credit Union
Similarity Rank: 14

State Bank of Cross Plains
Similarity Rank: 78

Liberty Bank for Savings
Similarity Rank: 85

First Community Credit Union
Similarity Rank: 140

Merchants Bank
Similarity Rank: 150

The Greenwood's State Bank
Similarity Rank: 154

ARAPAHOE CREDIT UNION
Similarity Rank: 256

The District Federal Credit Union
Similarity Rank: 372

EDUCATORS CREDIT UNION
Similarity Rank: 396

DENVER COMMUNITY
Similarity Rank: 480

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,194	$243,610,000	$204,028	$3,127	4.15%
FHA	282	$46,740,000	$165,745	$6,469	4.14%
VA	49	$11,195,000	$228,469	$5,465	4.02%

For 2019, Midwest Community Bank's most frequently originated type of loan was Conventional, with 1,194 originations. Their 2nd most popular type was FHA, with 282 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,065	$185,195,000	$173,892	$4,343	4.26%
Refi	311	$80,045,000	$257,379	$2,649	3.75%
Cash Out Refi	149	$36,305,000	$243,658	$2,822	4.14%

For 2019, Midwest Community Bank's most frequently cited loan purpose was Home Purchase, with 1,065 originations. The 2nd most popular reason was Refi, with 311 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,340	$267,740,000	$199,806	$4,012	4.21%
15 Year	145	$26,635,000	$183,690	$2,485	3.61%
20 Year	27	$4,755,000	$176,111	$2,808	3.93%
10 Year	6	$970,000	$161,667	$2,429	3.73%
Other	3	$835,000	$278,333	$5,898	3.79%
1 Year	1	$185,000	$185,000	$0	5.25%
30+ year	1	$255,000	$255,000	$5,301	4.38%
3 Year	1	$95,000	$95,000	$0	6.00%
5 Year	1	$75,000	$75,000	$0	5.63%

For 2019, Midwest Community Bank's most frequently cited loan duration was 30 Year, with 1,340 originations. The 2nd most popular length was 15 Year, with 145 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	1,064	$221,680,000	$208,346
$<1k	346	$54,420,000	$157,283
$2k-3k	40	$11,220,000	$280,500
$3k-4k	8	$1,980,000	$247,500
$5k+	5	$2,475,000	$495,000
$4k-5k	3	$1,045,000	$348,333

Midwest Community Bank's average total fees were $4,012, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,064 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	763	$170,545,000	$223,519
4-5%	611	$109,855,000	$179,795
5-6%	141	$18,935,000	$134,291
2.5-3%	7	$1,665,000	$237,857
6-7%	2	$360,000	$180,000
<2.5%	1	$185,000	$185,000

During 2019, Midwest Community Bank's average interest rate for loans was 4.21%, while their most frequently originated rate bucket for loans was 3-4%, with 763 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	689	$102,325,000	$148,512	$3,952	4.16%
$200k-400k	491	$133,595,000	$272,088	$3,971	3.95%
$100,000 or less	253	$18,165,000	$71,798	$3,170	4.54%
$400k-600k	80	$36,970,000	$462,125	$3,762	3.94%
$600k-1MM	10	$7,700,000	$770,000	$7,634	4.38%
$1MM+	2	$2,790,000	$1,395,000	$3,268	3.75%

2019 saw Midwest Community Bank place emphasis on $100k-200k loans with 689 originations, totaling $102,325,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	399	$65,255,000	$163,546	$4,338	4.22%
$50k or less	353	$40,495,000	$114,717	$4,014	4.31%
$100k-150k	284	$66,640,000	$234,648	$3,336	4.05%
$75k-100k	242	$49,060,000	$202,727	$3,965	4.09%
$150k-250k	190	$56,460,000	$297,158	$3,146	3.99%
$250k+	51	$22,195,000	$435,196	$3,746	3.85%

Midwest Community Bank lent most frequently to those with incomes in the $50k-75k range, with 399 originations. The second most popular income band? $50k or less, with 353 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	282	$54,790,000	$194,291	$3,120	4.07%
30-36%	263	$54,065,000	$205,570	$3,473	4.15%
42%	90	$18,440,000	$204,889	$3,820	4.23%
44%	84	$14,960,000	$178,095	$4,594	4.35%
43%	80	$13,940,000	$174,250	$3,749	4.28%
<20%	78	$15,420,000	$197,692	$3,056	4.03%
50-60%	78	$15,540,000	$199,231	$6,925	4.01%
41%	71	$13,055,000	$183,873	$3,725	4.18%
40%	65	$12,115,000	$186,385	$3,830	4.37%
39%	63	$11,855,000	$188,175	$4,096	4.06%
49%	56	$11,940,000	$213,214	$4,003	4.13%
38%	54	$11,220,000	$207,778	$3,762	4.17%
36%	51	$10,175,000	$199,510	$4,077	4.13%
37%	48	$9,310,000	$193,958	$3,535	4.14%
48%	40	$7,030,000	$175,750	$4,023	4.10%
45%	40	$8,010,000	$200,250	$4,054	4.13%
46%	36	$8,970,000	$249,167	$4,350	4.08%
47%	34	$7,740,000	$227,647	$4,505	4.09%
>60%	4	$1,170,000	$292,500	$4,952	3.62%

Midwest Community Bank lent most frequently to those with DTI ratios of 20-30%, with 282 originations. The next most common DTI ratio? 30-36%, with 263 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,416	$281,910,000	$199,089	$3,845	4.14%
Black	59	$8,785,000	$148,898	$3,939	4.44%
Asian	33	$7,675,000	$232,576	$3,444	4.12%
Not provided	11	$2,205,000	$200,455	$3,914	3.82%
American Indian	5	$855,000	$171,000	$5,516	3.82%
Filipino	1	$115,000	$115,000	$2,761	4.63%

Approval Rates

Total approvals of all applications
94.52%

Midwest Community Bank has an average approval rate.

Pick Rate

Approvals leading to origination
75.67%

Midwest Community Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,525	$301,545,000	$197,734

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Site-Built	1,525	$301,545,000	$197,734

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	23	$3,425,000	$148,913	$3,450	3.87%
40-60%	61	$12,215,000	$200,246	$3,089	3.86%
60-80%	420	$93,540,000	$222,714	$2,732	4.08%
80-100%	1,008	$189,850,000	$188,343	$4,283	4.19%
Over 100%	10	$2,160,000	$216,000	$7,634	3.97%
Under 20%	1	$75,000	$75,000	$0	5.63%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
MIDWEST EQUITY MORTGAGE, LLC	FHA mortgage	Closing on a mortgage	1	100.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Midwest Community Bank	1725 South West Avenue Freeport, IL 61032	Full Service B&M	$41,127
Midwest Community Bank	3963 N Perryville Rd Rockford, IL 61114	Full Service B&M	$43,665
Midwest Community Bank	510 Park Crest Drive Freeport, IL 61032	Full Service B&M	$124,203

For 2019, Midwest Community Bank had 3 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$10,179
Net interest income	$8,030
Total noninterest income	$28,697
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$205
Trading account gains and fees	$0
Additional Noninterest Income	$28,492
Pre-tax net operating income	$7,553
Securities gains (or losses, -)	$0
Income before extraordinary items	$7,553
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$7,553
Minority interest net income	$1,402
Net income	$6,151
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$7,553

Midwest Community Bank's gross interest income from loans was $10,179,000.
Midwest Community Bank's net interest income from loans was $8,030,000.
Midwest Community Bank's fee based income from loans was $205,000.
Midwest Community Bank's net income from loans was $6,151,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$2,149
Provision for credit losses	$0
Total noninterest expense	$29,174
Salaries and employee benefits	$19,945
Premises and equipment expense	$2,077
Additional noninterest expense	$7,152
Applicable income taxes	$0
Net charge-offs	$-166
Cash dividends	$3,593

Midwest Community Bank's interest expense for loans was $2,149,000.
Midwest Community Bank's payroll and benefits expense were $19,945,000.
Midwest Community Bank's property, plant and equipment expenses $2,077,000.

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	$213,295
Deposits held in domestic offices	$213,295
Deposits by Individuals, partnerships, and corporations	$210,615
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$2,680
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	$79,617
Demand deposits	$33,324
Nontransaction accounts	$133,678
Money market deposit accounts (MMDAs)	$36,878
Other savings deposits (excluding MMDAs)	$21,346
Total time deposits	$75,454
Total time and savings deposits	$179,971
Noninterest-bearing deposits	$35,293
Interest-bearing deposits	$178,002
Retail deposits	$196,082
IRAs and Keogh plan accounts	$14,802
Brokered deposits	$10,700
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$244,416
Cash & Balances due from depository institutions	$12,910
Interest-bearing balances	$7,596
Total securities	$1,665
Federal funds sold & reverse repurchase	$0
Net loans and leases	$211,758
Loan and leases loss allowance	$2,267
Trading account assets	$0
Bank premises and fixed assets	$3,551
Other real estate owned	$2,771
Goodwill and other intangibles	$3,068
All other assets	$8,693

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$244,415
Total Liabilities	$214,518
Total deposits	$213,295
Interest-bearing deposits	$178,002
Deposits held in domestic offices	$213,295
% insured (estimated)	$86
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$1,223

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$211,758
Loan and leases loss allowance	$2,267
Total loans and leases (domestic)	$214,025
All real estate loans	$185,598
Real estate loans in domestic offices	$185,598
Construction and development loans	$2,550
Residential 1-4 family construction	$2,550
Other construction, all land development and other land	$0
Loans secured by nonfarm nonresidential properties	$25,272
Nonfarm nonresidential secured by owner-occupied properties	$4,640
Commercial real estate & other non-farm, non-residential	$20,632
Multifamily residential real estate	$69,074
1-4 family residential loans	$82,348
Farmland loans	$6,354
Loans held in foreign offices	$0
Farm loans	$23,474
Commercial and industrial loans	$4,582
To non-U.S. addressees	$0
Loans to individuals	$359
Credit card loans	$0
Related Plans	$1
Consumer Auto Loans	$60
Other loans to individuals	$298
All other loans & leases	$12
Loans to foreign governments and official institutions	$0
Other loans	$12
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	$1,005
Non 1-4 family restructured loans & leases	$880
Total loans and leases (foreign)	$0

Midwest Community Bank had $211,758,000 of loans outstanding in 2019. $185,598,000 of loans were in real estate loans. $2,550,000 of loans were in development loans. $69,074,000 of loans were in multifamily mortgage loans. $82,348,000 of loans were in 1-4 family mortgage loans. $23,474,000 of loans were in farm loans. $0 of loans were in credit card loans. $60,000 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	28	$6,568	$234,571
Nonfarm, nonresidential loans - <$100k	4	$128	$32,000
Nonfarm, nonresidential loans - $100-250k	10	$623	$62,300
Nonfarm, nonresidential loans - $250k-1MM	14	$5,817	$415,500
Commercial & Industrial, US addressed loans - <$1MM	32	$2,701	$84,406
Commercial & Industrial, US addressed loans - <$100k	21	$281	$13,381
Commercial & Industrial, US addressed loans - $100-250k	5	$660	$132,000
Commercial & Industrial, US addressed loans - $250k-1MM	6	$1,760	$293,333
Farmland loans - <$1MM	13	$2,325	$178,846
Farmland loans - <$100k	2	$93	$46,500
Farmland loans - $100-250k	6	$807	$134,500
Farmland loans - $250k-1MM	5	$1,425	$285,000
Agriculture operations loans - <$1MM	39	$3,940	$101,026
Agriculture operations loans - <$100k	22	$619	$28,136
Agriculture operations loans - $100-250k	10	$1,119	$111,900
Agriculture operations loans - $250k-1MM	7	$2,202	$314,571