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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Inb is a smaller mortgage company specializing in Refi and Home Purchase 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, Peoria, Champaign, St. Louis, and Bloomington among others. We have data for 73 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% 11/17/24
    30 Year Conventional Refi 6.64% 11/17/24
    30 Year Cash-out Refi 6.80% 11/17/24
    30 Year FHA Purchase 7.23% 11/17/24
    30 Year FHA Refi 6.67% 11/17/24
    30 Year VA Purchase 6.27% 11/17/24
    30 Year VA Refi 6.27% 11/17/24
    30 Year USDA Purchase 6.90% 11/17/24
    15 Year Conventional Purchase 6.02% 11/17/24
    15 Year Conventional Refi 6.05% 11/17/24
    15 Year Cash-out Refi 6.05% 11/17/24
    15 Year FHA Purchase 5.68% 11/17/24
    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






    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

    2,548

    Origination Dollar Volume (All Markets)

    $575,980,000

    Employee count

    273 Show all (23) 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) 996 $204,980,000 $205,803 $1,675 2.94%
    PEORIA, IL (FHA|USDA|VA) 735 $125,585,000 $170,864 $1,684 2.95%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 296 $68,190,000 $230,372 $1,773 3.07%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 66 $46,940,000 $711,212 $1,836 3.12%
    BLOOMINGTON, IL (FHA|USDA|VA) 152 $44,360,000 $291,842 $1,470 2.87%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 34 $19,450,000 $572,059 $2,889 3.08%
    DECATUR, IL (FHA|USDA|VA) 33 $14,515,000 $439,848 $1,703 2.80%
    Outside of Metro Areas 53 $8,025,000 $151,415 $1,844 2.96%
    Lincoln, IL (FHA|USDA|VA) 35 $4,715,000 $134,714 $1,934 2.79%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $3,065,000 $278,636 $3,341 3.59%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 6 $1,900,000 $316,667 $2,673 2.94%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,645,000 $548,333 $3,641 3.04%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $1,615,000 $1,615,000 $5,910 3.88%
    SAVANNAH, GA (FHA|USDA|VA) 4 $1,570,000 $392,500 $2,488 4.13%
    Taylorville, IL (FHA|USDA|VA) 11 $1,485,000 $135,000 $2,039 3.06%
    DANVILLE, IL (FHA|USDA|VA) 11 $1,455,000 $132,273 $1,813 3.06%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,450,000 $362,500 $1,968 3.09%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,355,000 $451,667 $3,900 2.58%
    Jacksonville, IL (FHA|USDA|VA) 10 $1,340,000 $134,000 $2,113 2.66%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $1,330,000 $332,500 $3,585 3.19%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,155,000 $385,000 $2,116 2.50%
    NILES, MI (FHA|USDA|VA) 2 $1,010,000 $505,000 $2,736 2.63%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $995,000 $331,667 $1,950 2.75%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $890,000 $445,000 $3,031 3.06%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $825,000 $275,000 $2,089 2.42%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $775,000 $258,333 $2,692 2.79%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $700,000 $350,000 $2,911 3.19%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $700,000 $350,000 $8,456 2.88%
    Galesburg, IL (FHA|USDA|VA) 3 $695,000 $231,667 $1,520 2.63%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $660,000 $165,000 $1,899 3.38%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $580,000 $290,000 $3,971 2.81%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $550,000 $275,000 $2,466 2.88%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $515,000 $515,000 $1,814 2.13%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $500,000 $250,000 $2,790 2.88%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $495,000 $495,000 $2,931 2.63%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $480,000 $240,000 $0 3.38%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $470,000 $235,000 $2,126 2.06%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $465,000 $465,000 $3,737 2.50%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $455,000 $455,000 $3,323 2.50%
    Breckenridge, CO (FHA|USDA|VA) 1 $405,000 $405,000 $3,256 2.38%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $390,000 $195,000 $2,061 2.31%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $355,000 $355,000 $2,362 2.88%
    HOT SPRINGS, AR (FHA|USDA|VA) 2 $350,000 $175,000 $1,850 3.19%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $345,000 $345,000 $3,852 2.50%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $335,000 $335,000 $3,555 2.75%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $335,000 $335,000 $2,836 3.13%
    Hannibal, MO (FHA|USDA|VA) 1 $325,000 $325,000 $636 2.75%
    COLUMBUS, IN (FHA|USDA|VA) 1 $315,000 $315,000 $1,445 2.50%
    Charleston-Mattoon, IL (FHA|USDA|VA) 2 $300,000 $150,000 $1,698 2.63%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $285,000 $285,000 $2,757 2.63%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $275,000 $275,000 $2,594 2.38%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 2 $270,000 $135,000 $2,607 2.94%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $265,000 $265,000 $2,516 2.50%
    Greensburg, IN (FHA|USDA|VA) 1 $255,000 $255,000 $1,582 2.75%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $250,000 $125,000 $1,675 2.63%
    Nogales, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $2,787 2.88%
    WILMINGTON, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,378 2.38%
    OCALA, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,297 2.38%
    KOKOMO, IN (FHA|USDA|VA) 1 $235,000 $235,000 $1,727 3.88%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $225,000 $225,000 $2,736 2.75%
    Sterling, IL (FHA|USDA|VA) 1 $225,000 $225,000 $2,196 2.75%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $225,000 $225,000 $1,698 2.75%
    MADISON, WI (FHA|USDA|VA) 1 $205,000 $205,000 $1,400 2.63%
    Crossville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,403 2.50%
    Rochelle, IL (FHA|USDA|VA) 1 $175,000 $175,000 $6,183 2.25%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $1,720 2.75%
    ROCKFORD, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,587 2.63%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $135,000 $135,000 $1,876 2.75%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,348 2.25%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.00%
    Burlington, IA-IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,458 2.25%
    Russellville, AR (FHA|USDA|VA) 1 $65,000 $65,000 $1,836 3.50%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.50%
    Inb's top markets include Springfield, Peoria, Champaign, St. Louis, and Bloomington among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Colorado (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.

    I. H. MISSISSIPPI VALLEY CREDIT UNION
    Similarity Rank: 102
    HNB National Bank
    Similarity Rank: 165
    Mid-Illini Credit Union
    Similarity Rank: 205
    UNIVERSITY OF ILLINOIS COMMUNITY
    Similarity Rank: 216
    United Bank of Union
    Similarity Rank: 245
    HEARTLAND
    Similarity Rank: 250
    Glenview State Bank
    Similarity Rank: 312
    Liberty Bank for Savings
    Similarity Rank: 312
    CapGrow Home Mortgage, LLC
    Similarity Rank: 352
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 428

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,410 $550,030,000 $228,228 $1,623 2.98%
    VA 80 $17,840,000 $223,000 $3,647 2.49%
    FHA 30 $4,990,000 $166,333 $5,111 2.70%
    USDA 28 $3,120,000 $111,429 $2,963 2.94%

    For 2020, Inb's most frequently originated type of loan was Conventional, with 2,410 originations. Their 2nd most popular type was VA, with 80 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,339 $326,175,000 $243,596 $1,431 2.89%
    Home Purchase 955 $206,875,000 $216,623 $2,252 3.03%
    Cash Out Refi 215 $40,425,000 $188,023 $1,672 2.88%
    Home Improvement 34 $2,370,000 $69,706 $999 3.83%
    Other 5 $135,000 $27,000 $710 4.05%

    For 2020, Inb's most frequently cited loan purpose was Refi, with 1,339 originations. The 2nd most popular reason was Home Purchase, with 955 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,369 $264,435,000 $193,159 $1,948 2.94%
    15 Year 556 $97,280,000 $174,964 $1,510 2.48%
    20 Year 177 $31,455,000 $177,712 $1,475 2.90%
    5 Year 172 $29,940,000 $174,070 $736 4.07%
    Other 136 $135,470,000 $996,103 $1,384 3.82%
    10 Year 101 $13,595,000 $134,604 $1,407 2.45%
    1 Year 33 $3,505,000 $106,212 $0 4.22%
    3 Year 4 $300,000 $75,000 $0 4.06%

    For 2020, Inb's most frequently cited loan duration was 30 Year, with 1,369 originations. The 2nd most popular length was 15 Year, with 556 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,154 $400,110,000 $185,752
    $1k-2k 44 $13,080,000 $297,273
    $2k-3k 10 $2,190,000 $219,000
    $3k-4k 2 $680,000 $340,000

    Inb's average total fees were $1,948, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,154 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 921 $179,255,000 $194,631
    <2.5% 776 $139,410,000 $179,652
    3-4% 661 $218,015,000 $329,826
    4-5% 182 $38,650,000 $212,363
    5-6% 8 $650,000 $81,250

    During 2020, Inb's average interest rate for loans was 2.94%, while their most frequently originated rate bucket for loans was 2.5-3%, with 921 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,090 $159,780,000 $146,587 $1,656 2.86%
    $200k-400k 733 $194,225,000 $264,973 $1,909 2.88%
    $100,000 or less 587 $40,345,000 $68,731 $1,567 3.22%
    $400k-600k 105 $49,665,000 $473,000 $2,451 2.90%
    $1MM+ 23 $124,445,000 $5,410,652 $5,910 3.81%
    $600k-1MM 10 $7,520,000 $752,000 $2,358 3.76%

    2020 saw Inb place emphasis on $100k-200k loans with 1,090 originations, totaling $159,780,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 562 $117,470,000 $209,021 $1,817 2.86%
    $75k-100k 465 $75,375,000 $162,097 $1,646 2.86%
    $50k-75k 457 $62,485,000 $136,729 $1,792 2.89%
    $150k-250k 354 $81,150,000 $229,237 $1,756 3.02%
    $50k or less 319 $30,455,000 $95,470 $1,767 2.88%
    $250k+ 146 $46,940,000 $321,507 $2,002 3.12%

    Inb lent most frequently to those with incomes in the $100k-150k range, with 562 originations. The second most popular income band? $75k-100k, with 465 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 724 $131,560,000 $181,713 $1,707 2.83%
    30-36% 426 $78,950,000 $185,329 $1,679 2.84%
    <20% 316 $57,130,000 $180,791 $1,550 2.72%
    43% 76 $13,030,000 $171,447 $1,711 2.88%
    39% 72 $15,350,000 $213,194 $1,930 2.90%
    41% 71 $13,335,000 $187,817 $1,923 2.98%
    40% 67 $12,935,000 $193,060 $2,443 2.86%
    42% 65 $12,145,000 $186,846 $1,927 3.00%
    37% 64 $11,000,000 $171,875 $1,678 2.87%
    38% 63 $12,385,000 $196,587 $1,999 2.86%
    36% 62 $11,900,000 $191,935 $1,922 2.85%
    44% 53 $9,485,000 $178,962 $2,121 2.97%
    49% 42 $8,160,000 $194,286 $1,797 2.90%
    47% 38 $7,280,000 $191,579 $1,681 2.72%
    46% 37 $5,785,000 $156,351 $1,885 2.80%
    45% 35 $6,325,000 $180,714 $1,875 2.86%
    48% 27 $5,325,000 $197,222 $2,284 2.93%
    50-60% 7 $1,485,000 $212,143 $5,030 3.18%
    >60% 5 $655,000 $131,000 $2,167 4.55%

    Inb lent most frequently to those with DTI ratios of 20-30%, with 724 originations. The next most common DTI ratio? 30-36%, with 426 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,026 $368,990,000 $182,127 $1,750 2.90%
    Not applicable 142 $136,650,000 $962,324 $0 3.98%
    Not provided 203 $40,715,000 $200,567 $1,815 2.90%
    Asian 71 $11,875,000 $167,254 $1,729 2.67%
    Black 61 $9,025,000 $147,951 $2,003 3.16%
    Asian Indian 30 $6,190,000 $206,333 $1,528 2.57%
    American Indian 9 $1,225,000 $136,111 $1,768 3.28%
    Other Asian 2 $620,000 $310,000 $1,254 2.19%
    Chinese 2 $510,000 $255,000 $3,678 2.88%
    Native Hawaiian or Islander 2 $180,000 $90,000 $1,847 3.81%

    Approval Rates

    Total approvals of all applications
    94.30%

    Inb has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.01%

    Inb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,548 $575,980,000 $226,052

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 41 $129,925,000 $3,168,902
    Single Family (1-4 Units):Manufactured 2 $320,000 $160,000
    Single Family (1-4 Units):Site-Built 2,505 $445,735,000 $177,938

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 98 $14,460,000 $147,551 $1,474 3.19%
    40-60% 266 $68,660,000 $258,120 $1,585 2.93%
    60-80% 998 $213,810,000 $214,238 $1,549 2.94%
    80-100% 1,142 $272,830,000 $238,905 $1,889 2.94%
    Over 100% 16 $3,830,000 $239,375 $8,917 2.61%
    Under 20% 26 $2,260,000 $86,923 $507 4.05%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Inb, National Association 100 East Plummer Chatham, IL 62629 Full Service B&M $38,600
    Inb, National Association 106 West Main Street Pleasant Plains, IL 62677 Full Service B&M $66,137
    Inb, National Association 109 Main Street Fairmount, IL 61841 Full Service B&M $15,497
    Inb, National Association 205 East Jefferson Street Mount Pulaski, IL 62548 Full Service B&M $27,542
    Inb, National Association 217 South Neil Street, Suite C Champaign, IL 61820 Full Service B&M $11,458
    Inb, National Association 2402 East Washington Street Bloomington, IL 61704 Full Service B&M $6,306
    Inb, National Association 2450 North Dirksen Parkway Springfield, IL 62702 Full Service B&M $35,918
    Inb, National Association 2601 Chatham Road Springfield, IL 62704 Full Service B&M $145,605
    Inb, National Association 2849 South Sixth Street Springfield, IL 62703 Full Service B&M $38,535
    Inb, National Association 3150 West Wabash Avenue Springfield, IL 62704 Full Service B&M $66,686
    Inb, National Association 322 East Capitol Street Springfield, IL 62701 Full Service B&M $660,688
    Inb, National Association 409 North Seventh Street Riverton, IL 62561 Full Service B&M $34,057
    Inb, National Association 7535 North Knoxville Avenue Peoria, IL 61614 Full Service B&M $80,737

    For 2020, Inb had 13 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $44,084
    Net interest income $38,369
    Total noninterest income $16,066
    Gross Fiduciary activities income $904
    Service charges on deposit accounts $1,967
    Trading account gains and fees $0
    Additional Noninterest Income $13,195
    Pre-tax net operating income $13,330
    Securities gains (or losses, -) $-32
    Income before extraordinary items $13,106
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $13,106
    Minority interest net income $0
    Net income $13,106
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $13,137

    Inb's gross interest income from loans was $44,084,000.
    Inb's net interest income from loans was $38,369,000.
    Inb's fee based income from loans was $1,967,000.
    Inb's net income from loans was $13,106,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,715
    Provision for credit losses $2,279
    Total noninterest expense $38,826
    Salaries and employee benefits $22,765
    Premises and equipment expense $4,261
    Additional noninterest expense $11,800
    Applicable income taxes $192
    Net charge-offs $215
    Cash dividends $0

    Inb's interest expense for loans was $5,715,000.
    Inb's payroll and benefits expense were $22,765,000.
    Inb's property, plant and equipment expenses $4,261,000.

    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 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 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 0.0%
    Other consumer loans 3.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,351,975
    Deposits held in domestic offices $1,351,975
    Deposits by Individuals, partnerships, and corporations $1,137,115
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $206,661
    Deposits by Commercial banks and other depository institutions in U.S. $8,199
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $665,838
    Demand deposits $644,380
    Nontransaction accounts $686,137
    Money market deposit accounts (MMDAs) $183,007
    Other savings deposits (excluding MMDAs) $429,838
    Total time deposits $73,294
    Total time and savings deposits $707,595
    Noninterest-bearing deposits $290,078
    Interest-bearing deposits $1,061,897
    Retail deposits $1,112,188
    IRAs and Keogh plan accounts $11,085
    Brokered deposits $233,112
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,481,336
    Cash & Balances due from depository institutions $354,366
    Interest-bearing balances $327,253
    Total securities $99,733
    Federal funds sold & reverse repurchase $0
    Net loans and leases $980,963
    Loan and leases loss allowance $10,040
    Trading account assets $0
    Bank premises and fixed assets $21,396
    Other real estate owned $25
    Goodwill and other intangibles $4,606
    All other assets $20,247

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,481,336
    Total Liabilities $1,362,502
    Total deposits $1,351,975
    Interest-bearing deposits $1,061,897
    Deposits held in domestic offices $1,351,975
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $5,766
    Subordinated debt $0
    All other liabilities $4,761

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $980,963
    Loan and leases loss allowance $10,040
    Total loans and leases (domestic) $991,003
    All real estate loans $806,426
    Real estate loans in domestic offices $806,426
    Construction and development loans $63,975
    Residential 1-4 family construction $7,049
    Other construction, all land development and other land $56,926
    Loans secured by nonfarm nonresidential properties $349,901
    Nonfarm nonresidential secured by owner-occupied properties $101,350
    Commercial real estate & other non-farm, non-residential $248,551
    Multifamily residential real estate $198,366
    1-4 family residential loans $166,762
    Farmland loans $27,422
    Loans held in foreign offices $0
    Farm loans $8,794
    Commercial and industrial loans $158,520
    To non-U.S. addressees $0
    Loans to individuals $803
    Credit card loans $0
    Related Plans $86
    Consumer Auto Loans $554
    Other loans to individuals $163
    All other loans & leases $16,460
    Loans to foreign governments and official institutions $0
    Other loans $57
    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 $980,963,000 of loans outstanding in 2020. $806,426,000 of loans were in real estate loans. $63,975,000 of loans were in development loans. $198,366,000 of loans were in multifamily mortgage loans. $166,762,000 of loans were in 1-4 family mortgage loans. $8,794,000 of loans were in farm loans. $0 of loans were in credit card loans. $554,000 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 238 $56,007 $235,324
    Nonfarm, nonresidential loans - <$100k 61 $2,782 $45,607
    Nonfarm, nonresidential loans - $100-250k 75 $9,479 $126,387
    Nonfarm, nonresidential loans - $250k-1MM 102 $43,746 $428,882
    Commercial & Industrial, US addressed loans - <$1MM 731 $60,559 $82,844
    Commercial & Industrial, US addressed loans - <$100k 494 $12,576 $25,457
    Commercial & Industrial, US addressed loans - $100-250k 125 $14,037 $112,296
    Commercial & Industrial, US addressed loans - $250k-1MM 112 $33,946 $303,089
    Farmland loans - <$1MM 59 $6,681 $113,237
    Farmland loans - <$100k 23 $901 $39,174
    Farmland loans - $100-250k 23 $2,794 $121,478
    Farmland loans - $250k-1MM 13 $2,986 $229,692
    Agriculture operations loans - <$1MM 56 $4,602 $82,179
    Agriculture operations loans - <$100k 34 $1,089 $32,029
    Agriculture operations loans - $100-250k 15 $1,562 $104,133
    Agriculture operations loans - $250k-1MM 7 $1,951 $278,714