Fnbc Bank & Trust Mortgage Rates, Fees & Info
La Grange, ILLEI: 549300FQ2SN6TRRGB032
Tax ID: 36-1947800
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Mortgage Data
Bank Data
Review & Overview
Fnbc Bank & Trust is a smaller bank specializing in Refi and Home Purchase loans. Fnbc Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Watertown, and Niles among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Fnbc 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.
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Originations
91Origination Dollar Volume (All Markets)
$33,195,000Employee count
102Top 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) | 87 | $32,545,000 | $374,080 | $0 | 0.00% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $220,000 | $110,000 | $0 | 0.00% |
| NILES, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 91 | $33,195,000 | $364,780 | $0 | 0.00% |
For 2018, Fnbc Bank & Trust's most frequently originated type of loan was Conventional, with 91 originations.
Loan Reason
For 2018, Fnbc Bank & Trust's most frequently cited loan purpose was Refi, with 48 originations. The 2nd most popular reason was Home Purchase, with 32 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 91 | $33,195,000 | $364,780 | $0 | 0.00% |
For 2018, Fnbc Bank & Trust's most frequently cited loan duration was Other, with 91 originations.
Loan Sizing
2018 saw Fnbc Bank & Trust place emphasis on $100k-200k loans with 23 originations, totaling $3,275,000 in origination value.
Applicant Income
Fnbc Bank & Trust lent most frequently to those with incomes in the $150k-250k range, with 16 originations. The second most popular income band? $250k+, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 91 | $33,195,000 | $364,780 | $0 | 0.00% |
Fnbc Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 91 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.39%
Fnbc Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination78.02%
Fnbc Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 91 | $33,195,000 | $364,780 |
Occupancy Type Mix
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| FNBC Bank & Trust | 1013 Burlington Avenue Western Springs, IL 60558 | Full Service B&M | $30,695 |
| FNBC Bank & Trust | 11100 Front Street Mokena, IL 60448 | Full Service B&M | $53,815 |
| FNBC Bank & Trust | 28 East Schoolhouse Road Yorkville, IL 60560 | Full Service B&M | $8,986 |
| FNBC Bank & Trust | 600 East Washington Street West Chicago, IL 60185 | Full Service B&M | $92,365 |
| FNBC Bank & Trust | 620 West Burlington Street La Grange, IL 60525 | Full Service B&M | $300,920 |
For 2018, Fnbc Bank & Trust had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $18,025 |
| Net interest income | $17,275 |
| Total noninterest income | $5,533 |
| Gross Fiduciary activities income | $3,750 |
| Service charges on deposit accounts | $637 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $1,146 |
| Pre-tax net operating income | $6,596 |
| Securities gains (or losses, -) | $8 |
| Income before extraordinary items | $6,534 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $6,534 |
| Minority interest net income | $0 |
| Net income | $6,534 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $6,526 |
Fnbc Bank & Trust's gross interest income from loans was $18,025,000.
Fnbc Bank & Trust's net interest income from loans was $17,275,000.
Fnbc Bank & Trust's fee based income from loans was $637,000.
Fnbc Bank & Trust's net income from loans was $6,534,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $750 |
| Provision for credit losses | $100 |
| Total noninterest expense | $16,112 |
| Salaries and employee benefits | $9,600 |
| Premises and equipment expense | $1,575 |
| Additional noninterest expense | $4,937 |
| Applicable income taxes | $70 |
| Net charge-offs | $49 |
| Cash dividends | $5,000 |
Fnbc Bank & Trust's interest expense for loans was $750,000.
Fnbc Bank & Trust's payroll and benefits expense were $9,600,000.
Fnbc Bank & Trust's property, plant and equipment expenses $1,575,000.
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 | $472,685 |
| Deposits held in domestic offices | $472,685 |
| Deposits by Individuals, partnerships, and corporations | $450,955 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $21,730 |
| 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 | $245,662 |
| Demand deposits | $174,929 |
| Nontransaction accounts | $227,023 |
| Money market deposit accounts (MMDAs) | $104,091 |
| Other savings deposits (excluding MMDAs) | $86,628 |
| Total time deposits | $36,303 |
| Total time and savings deposits | $297,756 |
| Noninterest-bearing deposits | $174,930 |
| Interest-bearing deposits | $297,755 |
| Retail deposits | $463,876 |
| IRAs and Keogh plan accounts | $7,981 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $526,962 |
| Cash & Balances due from depository institutions | $44,233 |
| Interest-bearing balances | $36,769 |
| Total securities | $161,496 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $301,173 |
| Loan and leases loss allowance | $3,076 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $13,515 |
| Other real estate owned | $1,067 |
| Goodwill and other intangibles | $2,325 |
| All other assets | $3,153 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $526,962 |
| Total Liabilities | $474,988 |
| Total deposits | $472,685 |
| Interest-bearing deposits | $297,755 |
| Deposits held in domestic offices | $472,685 |
| % insured (estimated) | $76 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $2,303 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $301,173 |
| Loan and leases loss allowance | $3,076 |
| Total loans and leases (domestic) | $304,249 |
| All real estate loans | $285,511 |
| Real estate loans in domestic offices | $285,511 |
| Construction and development loans | $6,825 |
| Residential 1-4 family construction | $317 |
| Other construction, all land development and other land | $6,508 |
| Loans secured by nonfarm nonresidential properties | $111,855 |
| Nonfarm nonresidential secured by owner-occupied properties | $34,979 |
| Commercial real estate & other non-farm, non-residential | $76,876 |
| Multifamily residential real estate | $46,582 |
| 1-4 family residential loans | $118,812 |
| Farmland loans | $1,437 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $15,804 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $2,629 |
| Credit card loans | $592 |
| Related Plans | $134 |
| Consumer Auto Loans | $183 |
| Other loans to individuals | $1,720 |
| All other loans & leases | $306 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $306 |
| 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 | $2,287 |
| Non 1-4 family restructured loans & leases | $313 |
| Total loans and leases (foreign) | $0 |
FNBC Bank & Trust had $301,173,000 of loans outstanding in 2018. $285,511,000 of loans were in real estate loans. $6,825,000 of loans were in development loans. $46,582,000 of loans were in multifamily mortgage loans. $118,812,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $592,000 of loans were in credit card loans. $183,000 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 | 126 | $33,131 | $262,944 |
| Nonfarm, nonresidential loans - <$100k | 12 | $1,089 | $90,750 |
| Nonfarm, nonresidential loans - $100-250k | 50 | $6,175 | $123,500 |
| Nonfarm, nonresidential loans - $250k-1MM | 64 | $25,867 | $404,172 |
| Commercial & Industrial, US addressed loans - <$1MM | 90 | $6,393 | $71,033 |
| Commercial & Industrial, US addressed loans - <$100k | 43 | $972 | $22,605 |
| Commercial & Industrial, US addressed loans - $100-250k | 21 | $1,775 | $84,524 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 26 | $3,646 | $140,231 |
| Farmland loans - <$1MM | 1 | $193 | $193,000 |
| Farmland loans - $250k-1MM | 1 | $193 | $193,000 |