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, Whitewater, Deltona, Watertown, and Ottawa among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Fnbc Bank & Trust has an 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
164Origination Dollar Volume (All Markets)
$58,920,000Employee count
91Top 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) | 156 | $56,360,000 | $361,282 | $0 | 0.00% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $640,000 | $320,000 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 0.00% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 0.00% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 164 | $58,920,000 | $359,268 | $0 | 0.00% |
For 2021, Fnbc Bank & Trust's most frequently originated type of loan was Conventional, with 164 originations.
Loan Reason
For 2021, Fnbc Bank & Trust's most frequently cited loan purpose was Refi, with 108 originations. The 2nd most popular reason was Home Purchase, with 39 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 164 | $58,920,000 | $359,268 | $0 | 0.00% |
For 2021, Fnbc Bank & Trust's most frequently cited loan duration was Other, with 164 originations.
Loan Sizing
2021 saw Fnbc Bank & Trust place emphasis on $200k-400k loans with 72 originations, totaling $20,280,000 in origination value.
Applicant Income
Fnbc Bank & Trust lent most frequently to those with incomes in the $150k-250k range, with 40 originations. The second most popular income band? $100k-150k, with 31 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 164 | $58,920,000 | $359,268 | $0 | 0.00% |
Fnbc Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 164 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.87%
Fnbc Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination79.27%
Fnbc Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 164 | $58,920,000 | $359,268 |
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 | $34,849 |
| Fnbc Bank & Trust | 11100 Front Street Mokena, IL 60448 | Full Service B&M | $72,772 |
| Fnbc Bank & Trust | 28 East Schoolhouse Road Yorkville, IL 60560 | Full Service B&M | $12,279 |
| Fnbc Bank & Trust | 600 East Washington Street West Chicago, IL 60185 | Full Service B&M | $101,299 |
| Fnbc Bank & Trust | 620 West Burlington Street La Grange, IL 60525 | Full Service B&M | $361,481 |
For 2021, Fnbc Bank & Trust had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $17,932 |
| Net interest income | $17,541 |
| Total noninterest income | $4,469 |
| Gross Fiduciary activities income | $3,655 |
| Service charges on deposit accounts | $362 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $452 |
| Pre-tax net operating income | $5,838 |
| Securities gains (or losses, -) | $-100 |
| Income before extraordinary items | $5,654 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,654 |
| Minority interest net income | $0 |
| Net income | $5,654 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $5,753 |
Fnbc Bank & Trust's gross interest income from loans was $17,932,000.
Fnbc Bank & Trust's net interest income from loans was $17,541,000.
Fnbc Bank & Trust's fee based income from loans was $362,000.
Fnbc Bank & Trust's net income from loans was $5,654,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $391 |
| Provision for credit losses | $-150 |
| Total noninterest expense | $16,322 |
| Salaries and employee benefits | $9,812 |
| Premises and equipment expense | $1,416 |
| Additional noninterest expense | $5,094 |
| Applicable income taxes | $84 |
| Net charge-offs | $-35 |
| Cash dividends | $4,000 |
Fnbc Bank & Trust's interest expense for loans was $391,000.
Fnbc Bank & Trust's payroll and benefits expense were $9,812,000.
Fnbc Bank & Trust's property, plant and equipment expenses $1,416,000.
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 | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| 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 | $601,557 |
| Deposits held in domestic offices | $601,557 |
| Deposits by Individuals, partnerships, and corporations | $583,097 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $18,459 |
| 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 | $327,250 |
| Demand deposits | $236,971 |
| Nontransaction accounts | $274,306 |
| Money market deposit accounts (MMDAs) | $141,408 |
| Other savings deposits (excluding MMDAs) | $108,960 |
| Total time deposits | $23,936 |
| Total time and savings deposits | $364,585 |
| Noninterest-bearing deposits | $236,971 |
| Interest-bearing deposits | $364,586 |
| Retail deposits | $596,990 |
| IRAs and Keogh plan accounts | $6,548 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $661,841 |
| Cash & Balances due from depository institutions | $73,878 |
| Interest-bearing balances | $67,199 |
| Total securities | $276,468 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $294,661 |
| Loan and leases loss allowance | $3,700 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $11,458 |
| Other real estate owned | $414 |
| Goodwill and other intangibles | $1,693 |
| All other assets | $3,269 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $661,841 |
| Total Liabilities | $604,485 |
| Total deposits | $601,557 |
| Interest-bearing deposits | $364,586 |
| Deposits held in domestic offices | $601,557 |
| % insured (estimated) | $71 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $2,928 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $294,661 |
| Loan and leases loss allowance | $3,700 |
| Total loans and leases (domestic) | $298,361 |
| All real estate loans | $278,441 |
| Real estate loans in domestic offices | $278,441 |
| Construction and development loans | $6,974 |
| Residential 1-4 family construction | $1,347 |
| Other construction, all land development and other land | $5,627 |
| Loans secured by nonfarm nonresidential properties | $108,779 |
| Nonfarm nonresidential secured by owner-occupied properties | $33,869 |
| Commercial real estate & other non-farm, non-residential | $74,910 |
| Multifamily residential real estate | $44,564 |
| 1-4 family residential loans | $118,124 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $18,629 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $1,281 |
| Credit card loans | $333 |
| Related Plans | $68 |
| Consumer Auto Loans | $43 |
| Other loans to individuals | $837 |
| All other loans & leases | $10 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $10 |
| 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 | $274 |
| Non 1-4 family restructured loans & leases | $78 |
| Total loans and leases (foreign) | $0 |
FNBC Bank & Trust had $294,661,000 of loans outstanding in 2021. $278,441,000 of loans were in real estate loans. $6,974,000 of loans were in development loans. $44,564,000 of loans were in multifamily mortgage loans. $118,124,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $333,000 of loans were in credit card loans. $43,000 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 | 116 | $32,165 | $277,284 |
| Nonfarm, nonresidential loans - <$100k | 7 | $399 | $57,000 |
| Nonfarm, nonresidential loans - $100-250k | 39 | $5,252 | $134,667 |
| Nonfarm, nonresidential loans - $250k-1MM | 70 | $26,514 | $378,771 |
| Commercial & Industrial, US addressed loans - <$1MM | 64 | $3,312 | $51,750 |
| Commercial & Industrial, US addressed loans - <$100k | 28 | $397 | $14,179 |
| Commercial & Industrial, US addressed loans - $100-250k | 18 | $960 | $53,333 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 18 | $1,955 | $108,611 |