Inb Mortgage Rates, Fees & Info

Springfield, IL

LEI: 549300HGDJQ37M5BE268

Tax ID: 37-0274319

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

Review & Overview

Inb is a smaller mortgage company specializing in Home Purchase and Refi loans. Inb 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 by origination volume include: Springfield, St. Louis, Peoria, Champaign, and Bloomington among others. We have data for 81 markets. (Some data included below & more in-depth data is available with an active subscription.)

Inb 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. Inb 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	6.83%	12/3/24
30 Year Conventional Refi	6.64%	12/3/24
30 Year Cash-out Refi	6.80%	12/3/24
30 Year FHA Purchase	7.23%	12/3/24
30 Year FHA Refi	6.67%	12/3/24
30 Year VA Purchase	6.27%	12/3/24
30 Year VA Refi	6.27%	12/3/24
30 Year USDA Purchase	6.90%	12/3/24
15 Year Conventional Purchase	6.02%	12/3/24
15 Year Conventional Refi	6.05%	12/3/24
15 Year Cash-out Refi	6.05%	12/3/24
15 Year FHA Purchase	5.68%	12/3/24
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.

Inb Mortgage Calculator

Purchase Price:

Loan Amount:

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% Deposit:

Interest Rate:

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Your Estimates

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

This is not an official calculator from Inb. 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

1,483

Origination Dollar Volume (All Markets)

$308,785,000

Employee count

258

Awards

Show all (10) 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
SPRINGFIELD, IL (FHA\|USDA\|VA)	454	$84,360,000	$185,815	$1,848	4.34%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	76	$53,690,000	$706,447	$2,684	4.36%
PEORIA, IL (FHA\|USDA\|VA)	360	$51,280,000	$142,444	$1,779	4.21%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	277	$46,435,000	$167,635	$1,888	4.25%
BLOOMINGTON, IL (FHA\|USDA\|VA)	99	$21,115,000	$213,283	$2,141	4.18%
Outside of Metro Areas	46	$5,120,000	$111,304	$2,173	4.36%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	11	$2,625,000	$238,636	$3,545	4.36%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	6	$2,190,000	$365,000	$4,820	3.96%
PITTSBURGH, PA (FHA\|USDA\|VA)	2	$2,030,000	$1,015,000	$6,509	4.25%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	3	$1,925,000	$641,667	$7,217	4.46%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	4	$1,920,000	$480,000	$4,095	4.19%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	4	$1,640,000	$410,000	$5,192	4.28%
COLUMBIA, MO (FHA\|USDA\|VA)	5	$1,565,000	$313,000	$1,807	4.18%
Jacksonville, IL (FHA\|USDA\|VA)	12	$1,420,000	$118,333	$1,664	4.50%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	3	$1,385,000	$461,667	$3,160	4.21%
Lincoln, IL (FHA\|USDA\|VA)	9	$1,285,000	$142,778	$1,637	4.33%
DANVILLE, IL (FHA\|USDA\|VA)	15	$1,155,000	$77,000	$1,643	4.12%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	3	$1,095,000	$365,000	$2,350	4.17%
WAUSAU-WESTON, WI (FHA\|USDA\|VA)	3	$985,000	$328,333	$3,642	4.17%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	1	$925,000	$925,000	$5,988	4.13%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	2	$900,000	$450,000	$9,075	4.50%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	4	$890,000	$222,500	$3,217	4.00%
BOISE CITY, ID (FHA\|USDA\|VA)	2	$890,000	$445,000	$4,351	4.13%
DECATUR, IL (FHA\|USDA\|VA)	6	$880,000	$146,667	$1,838	4.57%
BILLINGS, MT (FHA\|USDA\|VA)	2	$860,000	$430,000	$3,692	4.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	2	$840,000	$420,000	$5,121	3.81%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	2	$820,000	$410,000	$3,162	4.13%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	2	$700,000	$350,000	$3,196	4.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	2	$680,000	$340,000	$3,362	4.31%
Show Low, AZ (FHA\|USDA\|VA)	1	$665,000	$665,000	$5,205	4.38%
ST. GEORGE, UT (FHA\|USDA\|VA)	1	$655,000	$655,000	$3,640	4.50%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$645,000	$645,000	$6,179	4.88%
Norfolk, NE (FHA\|USDA\|VA)	1	$605,000	$605,000	$3,544	4.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	2	$600,000	$300,000	$2,697	4.25%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	1	$565,000	$565,000	$2,733	4.50%
JACKSONVILLE, FL (FHA\|USDA\|VA)	2	$540,000	$270,000	$3,517	3.94%
MEDFORD, OR (FHA\|USDA\|VA)	1	$515,000	$515,000	$4,644	4.25%
CASPER, WY (FHA\|USDA\|VA)	2	$510,000	$255,000	$2,589	4.06%
Kirksville, MO (FHA\|USDA\|VA)	2	$480,000	$240,000	$2,269	4.25%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$475,000	$475,000	$2,670	3.38%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	1	$465,000	$465,000	$3,555	4.38%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	1	$455,000	$455,000	$3,470	4.38%
Charleston-Mattoon, IL (FHA\|USDA\|VA)	1	$455,000	$455,000	$2,312	4.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	1	$435,000	$435,000	$3,849	4.00%
Taylorville, IL (FHA\|USDA\|VA)	4	$430,000	$107,500	$1,986	3.88%
Galesburg, IL (FHA\|USDA\|VA)	4	$430,000	$107,500	$1,504	3.94%
Key West, FL (FHA\|USDA\|VA)	1	$425,000	$425,000	$3,313	4.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	1	$415,000	$415,000	$4,109	4.25%
TOLEDO, OH (FHA\|USDA\|VA)	3	$405,000	$135,000	$2,104	4.42%
SALEM, OR (FHA\|USDA\|VA)	1	$385,000	$385,000	$3,346	3.75%
Meridian, MS (FHA\|USDA\|VA)	1	$375,000	$375,000	$3,769	4.38%
LA CROSSE-ONALASKA, WI-MN (FHA\|USDA\|VA)	1	$325,000	$325,000	$2,313	4.00%
Nogales, AZ (FHA\|USDA\|VA)	1	$325,000	$325,000	$2,129	4.38%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	1	$315,000	$315,000	$4,820	3.75%
THE VILLAGES, FL (FHA\|USDA\|VA)	1	$315,000	$315,000	$3,588	4.63%
TUCSON, AZ (FHA\|USDA\|VA)	1	$305,000	$305,000	$5,018	4.38%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	2	$290,000	$145,000	$2,676	4.00%
FRESNO, CA (FHA\|USDA\|VA)	1	$285,000	$285,000	$2,704	4.25%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,600	4.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	1	$265,000	$265,000	$2,472	4.13%
OCALA, FL (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,205	4.13%
SAVANNAH, GA (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,817	3.38%
BLOOMINGTON, IN (FHA\|USDA\|VA)	1	$235,000	$235,000	$1,091	4.25%
MADISON, WI (FHA\|USDA\|VA)	1	$235,000	$235,000	$2,403	4.00%
Sterling, IL (FHA\|USDA\|VA)	1	$225,000	$225,000	$1,782	4.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	1	$225,000	$225,000	$9,849	3.75%
LAWTON, OK (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,822	4.25%
LOUISVILLE, KY (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,869	4.25%
MONROE, MI (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,534	4.25%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,438	4.00%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,696	4.13%
Ottawa, IL (FHA\|USDA\|VA)	2	$190,000	$95,000	$1,450	4.13%
Willmar, MN (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,421	3.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1	$175,000	$175,000	$1,838	4.13%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$145,000	$145,000	$1,892	3.50%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	4.50%
TERRE HAUTE, IN (FHA\|USDA\|VA)	1	$75,000	$75,000	$1,563	3.63%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	5.20%
Macomb, IL (FHA\|USDA\|VA)	1	$65,000	$65,000	$1,554	3.63%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	4.95%
Fort Madison-Keokuk, IA-IL-MO (FHA\|USDA\|VA)	1	$55,000	$55,000	$1,462	4.88%

Inb's top markets include Springfield, St. Louis, Peoria, Champaign, and Bloomington among others.

Their top states include:

Illinois (FHA|USDA|VA)

Missouri (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Arizona (FHA|USDA|VA)

Similar Lenders

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

Liberty Bank for Savings
Similarity Rank: 85

I. H. MISSISSIPPI VALLEY CREDIT UNION
Similarity Rank: 96

UNIVERSITY OF ILLINOIS COMMUNITY
Similarity Rank: 150

HEARTLAND
Similarity Rank: 182

WEST COMMUNITY
Similarity Rank: 190

United Bank of Union
Similarity Rank: 275

D.W. BROWN MORTGAGE CORP.
Similarity Rank: 302

EDUCATORS CREDIT UNION
Similarity Rank: 352

ELECTRO SAVINGS CREDIT UNION
Similarity Rank: 396

Dieterich Bank
Similarity Rank: 442

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,412	$298,350,000	$211,296	$1,918	4.28%
FHA	29	$4,075,000	$140,517	$4,547	3.89%
VA	22	$4,250,000	$193,182	$5,764	3.87%
USDA	20	$2,110,000	$105,500	$2,845	4.11%

For 2019, Inb's most frequently originated type of loan was Conventional, with 1,412 originations. Their 2nd most popular type was FHA, with 29 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	997	$215,245,000	$215,893	$2,250	4.28%
Refi	358	$78,700,000	$219,832	$1,593	4.15%
Cash Out Refi	79	$11,865,000	$150,190	$1,961	4.20%
Home Improvement	26	$1,380,000	$53,077	$928	4.83%
Other	23	$1,595,000	$69,348	$1,186	4.86%

For 2019, Inb's most frequently cited loan purpose was Home Purchase, with 997 originations. The 2nd most popular reason was Refi, with 358 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	928	$176,040,000	$189,698	$2,194	4.20%
5 Year	160	$26,370,000	$164,813	$498	4.73%
15 Year	159	$22,835,000	$143,616	$1,734	3.56%
Other	132	$68,770,000	$520,985	$1,721	5.03%
20 Year	39	$6,975,000	$178,846	$1,541	3.90%
1 Year	35	$3,525,000	$100,714	$0	5.11%
10 Year	26	$3,030,000	$116,538	$1,583	3.57%
3 Year	4	$1,240,000	$310,000	$448	5.21%

For 2019, Inb's most frequently cited loan duration was 30 Year, with 928 originations. The 2nd most popular length was 5 Year, with 160 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	1,095	$185,305,000	$169,228
$1k-2k	82	$26,880,000	$327,805
$3k-4k	4	$1,190,000	$297,500
$5k+	3	$1,245,000	$415,000
$2k-3k	2	$640,000	$320,000
$4k-5k	1	$315,000	$315,000

Inb's average total fees were $2,194, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,095 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	653	$158,075,000	$242,075
3-4%	634	$122,380,000	$193,028
5-6%	177	$25,665,000	$145,000
2.5-3%	11	$1,945,000	$176,818
6-7%	7	$635,000	$90,714
%	1	$85,000	$85,000

During 2019, Inb's average interest rate for loans was 4.20%, while their most frequently originated rate bucket for loans was 4-5%, with 653 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	586	$84,620,000	$144,403	$1,946	4.16%
$100,000 or less	468	$30,630,000	$65,449	$1,701	4.47%
$200k-400k	332	$90,100,000	$271,386	$2,274	4.13%
$400k-600k	62	$28,920,000	$466,452	$3,275	4.24%
$600k-1MM	26	$19,720,000	$758,462	$4,519	4.62%
$1MM+	9	$54,795,000	$6,088,333	$8,579	4.54%

2019 saw Inb place emphasis on $100k-200k loans with 586 originations, totaling $84,620,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	319	$41,645,000	$130,549	$1,954	4.22%
$100k-150k	273	$54,715,000	$200,421	$2,016	4.17%
$50k or less	262	$24,330,000	$92,863	$1,959	4.19%
$75k-100k	210	$31,920,000	$152,000	$1,877	4.17%
$150k-250k	162	$38,330,000	$236,605	$2,486	4.21%
$250k+	99	$37,075,000	$374,495	$2,987	4.40%

Inb lent most frequently to those with incomes in the $50k-75k range, with 319 originations. The second most popular income band? $100k-150k, with 273 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	302	$52,290,000	$173,146	$1,972	4.08%
30-36%	232	$40,360,000	$173,966	$2,130	4.25%
<20%	119	$22,635,000	$190,210	$1,811	4.00%
40%	55	$9,235,000	$167,909	$2,176	4.10%
36%	53	$9,015,000	$170,094	$2,034	4.14%
39%	48	$8,450,000	$176,042	$2,358	4.21%
44%	45	$7,665,000	$170,333	$2,306	4.27%
49%	45	$7,385,000	$164,111	$1,899	4.07%
41%	45	$8,895,000	$197,667	$2,092	4.21%
38%	44	$10,220,000	$232,273	$2,421	4.30%
37%	43	$8,205,000	$190,814	$2,117	4.25%
42%	42	$6,280,000	$149,524	$1,993	4.23%
43%	42	$7,180,000	$170,952	$1,824	4.07%
48%	30	$5,750,000	$191,667	$2,077	4.03%
46%	28	$4,730,000	$168,929	$1,730	4.43%
45%	26	$5,780,000	$222,308	$2,154	4.07%
47%	24	$3,450,000	$143,750	$2,006	4.14%
50-60%	13	$2,395,000	$184,231	$4,674	4.23%
>60%	2	$70,000	$35,000	$542	5.35%

Inb lent most frequently to those with DTI ratios of 20-30%, with 302 originations. The next most common DTI ratio? 30-36%, with 232 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,184	$201,880,000	$170,507	$2,067	4.21%
Not applicable	131	$76,455,000	$583,626	$0	4.86%
Not provided	85	$17,065,000	$200,765	$1,967	4.26%
Asian	34	$6,160,000	$181,176	$2,344	4.00%
Black	34	$4,550,000	$133,824	$2,291	4.39%
Asian Indian	6	$1,370,000	$228,333	$1,633	3.81%
American Indian	4	$760,000	$190,000	$2,073	4.13%
Other Asian	2	$230,000	$115,000	$1,600	4.00%
Native Hawaiian or Islander	2	$210,000	$105,000	$1,886	4.06%
Filipino	1	$105,000	$105,000	$1,585	4.25%

Approval Rates

Total approvals of all applications
94.55%

Inb has an average approval rate.

Pick Rate

Approvals leading to origination
86.85%

Inb has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,483	$308,785,000	$208,216

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	2	$510,000	$255,000
Multifamily:Site-Built	40	$64,870,000	$1,621,750
Single Family (1-4 Units):Site-Built	1,441	$243,405,000	$168,914

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	49	$3,385,000	$69,082	$1,495	4.33%
40-60%	114	$38,810,000	$340,439	$1,617	4.17%
60-80%	415	$82,815,000	$199,554	$1,759	4.30%
80-100%	860	$180,350,000	$209,709	$2,212	4.21%
Over 100%	6	$1,430,000	$238,333	$8,765	3.94%
Under 20%	39	$1,995,000	$51,154	$718	5.25%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Illinois National Bank	100 East Plummer Chatham, IL 62629	Full Service B&M	$33,293
Illinois National Bank	106 West Main Street Pleasant Plains, IL 62677	Full Service B&M	$52,123
Illinois National Bank	109 Main Street Fairmount, IL 61841	Full Service B&M	$19,693
Illinois National Bank	205 East Jefferson Street Mount Pulaski, IL 62548	Full Service B&M	$26,319
Illinois National Bank	217 South Neil Street, Suite C Champaign, IL 61820	Full Service B&M	$3,293
Illinois National Bank	2402 East Washington Street Bloomington, IL 61704	Full Service B&M	$3,208
Illinois National Bank	2450 North Dirksen Parkway Springfield, IL 62702	Full Service B&M	$31,344
Illinois National Bank	2601 Chatham Road Springfield, IL 62704	Full Service B&M	$106,152
Illinois National Bank	2849 South Sixth Street Springfield, IL 62703	Full Service B&M	$33,124
Illinois National Bank	3150 West Wabash Avenue Springfield, IL 62704	Full Service B&M	$56,585
Illinois National Bank	322 East Capitol Street Springfield, IL 62701	Full Service B&M	$479,215
Illinois National Bank	409 North Seventh Street Riverton, IL 62561	Full Service B&M	$31,403
Illinois National Bank	7535 North Knoxville Avenue Peoria, IL 61614	Full Service B&M	$53,375

For 2019, Inb had 13 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$41,979
Net interest income	$34,039
Total noninterest income	$12,686
Gross Fiduciary activities income	$848
Service charges on deposit accounts	$2,174
Trading account gains and fees	$0
Additional Noninterest Income	$9,664
Pre-tax net operating income	$10,793
Securities gains (or losses, -)	$416
Income before extraordinary items	$11,002
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$11,002
Minority interest net income	$0
Net income	$11,002
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$10,594

Inb's gross interest income from loans was $41,979,000.
Inb's net interest income from loans was $34,039,000.
Inb's fee based income from loans was $2,174,000.
Inb's net income from loans was $11,002,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$7,940
Provision for credit losses	$1,218
Total noninterest expense	$34,714
Salaries and employee benefits	$20,007
Premises and equipment expense	$3,894
Additional noninterest expense	$10,813
Applicable income taxes	$207
Net charge-offs	$2,498
Cash dividends	$3,540

Inb's interest expense for loans was $7,940,000.
Inb's payroll and benefits expense were $20,007,000.
Inb's property, plant and equipment expenses $3,894,000.

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	3.0%
Nonfarm, nonresidential loans	1.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	1.0%
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	$1,045,303
Deposits held in domestic offices	$1,045,303
Deposits by Individuals, partnerships, and corporations	$849,398
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$186,092
Deposits by Commercial banks and other depository institutions in U.S.	$9,813
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$477,070
Demand deposits	$460,508
Nontransaction accounts	$568,233
Money market deposit accounts (MMDAs)	$143,231
Other savings deposits (excluding MMDAs)	$347,550
Total time deposits	$77,452
Total time and savings deposits	$584,795
Noninterest-bearing deposits	$216,830
Interest-bearing deposits	$828,473
Retail deposits	$887,771
IRAs and Keogh plan accounts	$11,334
Brokered deposits	$148,109
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,156,171
Cash & Balances due from depository institutions	$169,379
Interest-bearing balances	$135,091
Total securities	$99,040
Federal funds sold & reverse repurchase	$0
Net loans and leases	$842,691
Loan and leases loss allowance	$7,976
Trading account assets	$0
Bank premises and fixed assets	$21,142
Other real estate owned	$290
Goodwill and other intangibles	$4,930
All other assets	$18,699

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,156,171
Total Liabilities	$1,052,565
Total deposits	$1,045,303
Interest-bearing deposits	$828,473
Deposits held in domestic offices	$1,045,303
% insured (estimated)	$75
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$1,809
Subordinated debt	$0
All other liabilities	$5,453

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$842,691
Loan and leases loss allowance	$7,976
Total loans and leases (domestic)	$850,667
All real estate loans	$704,563
Real estate loans in domestic offices	$704,563
Construction and development loans	$74,452
Residential 1-4 family construction	$8,469
Other construction, all land development and other land	$65,983
Loans secured by nonfarm nonresidential properties	$298,695
Nonfarm nonresidential secured by owner-occupied properties	$100,712
Commercial real estate & other non-farm, non-residential	$197,983
Multifamily residential real estate	$158,704
1-4 family residential loans	$136,225
Farmland loans	$36,487
Loans held in foreign offices	$0
Farm loans	$7,126
Commercial and industrial loans	$125,397
To non-U.S. addressees	$0
Loans to individuals	$971
Credit card loans	$0
Related Plans	$97
Consumer Auto Loans	$708
Other loans to individuals	$166
All other loans & leases	$12,609
Loans to foreign governments and official institutions	$0
Other loans	$132
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	$0
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

INB had $842,691,000 of loans outstanding in 2019. $704,563,000 of loans were in real estate loans. $74,452,000 of loans were in development loans. $158,704,000 of loans were in multifamily mortgage loans. $136,225,000 of loans were in 1-4 family mortgage loans. $7,126,000 of loans were in farm loans. $0 of loans were in credit card loans. $708,000 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	249	$54,125	$217,369
Nonfarm, nonresidential loans - <$100k	70	$3,219	$45,986
Nonfarm, nonresidential loans - $100-250k	70	$8,931	$127,586
Nonfarm, nonresidential loans - $250k-1MM	109	$41,975	$385,092
Commercial & Industrial, US addressed loans - <$1MM	582	$43,727	$75,132
Commercial & Industrial, US addressed loans - <$100k	426	$12,010	$28,192
Commercial & Industrial, US addressed loans - $100-250k	80	$8,113	$101,413
Commercial & Industrial, US addressed loans - $250k-1MM	76	$23,604	$310,579
Farmland loans - <$1MM	76	$10,010	$131,711
Farmland loans - <$100k	29	$1,469	$50,655
Farmland loans - $100-250k	28	$3,496	$124,857
Farmland loans - $250k-1MM	19	$5,045	$265,526
Agriculture operations loans - <$1MM	58	$5,069	$87,397
Agriculture operations loans - <$100k	36	$1,122	$31,167
Agriculture operations loans - $100-250k	15	$1,746	$116,400
Agriculture operations loans - $250k-1MM	7	$2,201	$314,429