Plains Commerce Bank Mortgage Rates, Fees & Info

Gettysburg, SD

LEI: 549300KJ8PAJ7E52HG32

Tax ID: 46-0108210

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

Review & Overview

Plains Commerce Bank is a smaller bank specializing in Home Purchase and Refi loans. Plains Commerce Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Sioux Falls, Bismarck, Watertown, Aberdeen, and Minneapolis among others. We have data for 93 markets. (Some data included below & more in-depth data is available with an active subscription.)

Plains Commerce 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. Plains Commerce Bank is typically an average 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
Home Equity Line of Credit (HELOC)	6.27%	11/17/24
30 Year Conventional Purchase	6.74%	11/17/24
30 Year Conventional Refi	6.59%	11/17/24
30 Year Cash-out Refi	6.81%	11/17/24
30 Year FHA Purchase	7.28%	11/17/24
30 Year FHA Refi	6.89%	11/17/24
30 Year VA Purchase	6.13%	11/17/24
30 Year VA Refi	5.97%	11/17/24
30 Year USDA Purchase	6.71%	11/17/24
30 Year USDA Refi	6.26%	11/17/24
15 Year Conventional Purchase	6.22%	11/17/24
15 Year Conventional Refi	6.10%	11/17/24
15 Year Cash-out Refi	6.10%	11/17/24
15 Year FHA Refi	6.58%	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.

Plains Commerce Bank Mortgage Calculator

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This is not an official calculator from Plains Commerce 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

3,375

Origination Dollar Volume (All Markets)

$687,815,000

Employee count

249

Awards

Plains Commerce Bank 30 Year Conventional Loans silver

Plains Commerce Bank 30 Year Conventional Loans gold

Show all (11) 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
SIOUX FALLS, SD (FHA\|USDA\|VA)	1,623	$356,085,000	$219,399	$4,740	4.02%
Outside of Metro Areas	531	$84,465,000	$159,068	$4,286	4.09%
BISMARCK, ND (FHA\|USDA\|VA)	112	$25,610,000	$228,661	$7,139	4.09%
Watertown, SD (FHA\|USDA\|VA)	114	$20,100,000	$176,316	$4,251	4.15%
Aberdeen, SD (FHA\|USDA\|VA)	112	$19,070,000	$170,268	$5,019	4.40%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	76	$18,900,000	$248,684	$5,058	4.22%
ST. GEORGE, UT (FHA\|USDA\|VA)	1	$18,755,000	$18,755,000	$0	4.95%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	74	$13,410,000	$181,216	$4,017	4.39%
SIOUX CITY, IA-NE-SD (FHA\|USDA\|VA)	59	$11,885,000	$201,441	$4,892	4.09%
Mitchell, SD (FHA\|USDA\|VA)	56	$11,370,000	$203,036	$4,552	3.95%
Owatonna, MN (FHA\|USDA\|VA)	59	$9,565,000	$162,119	$5,178	4.24%
Vermillion, SD (FHA\|USDA\|VA)	50	$8,590,000	$171,800	$4,459	4.09%
Mason City, IA (FHA\|USDA\|VA)	68	$8,190,000	$120,441	$4,235	4.14%
Worthington, MN (FHA\|USDA\|VA)	43	$6,395,000	$148,721	$4,634	3.98%
Willmar, MN (FHA\|USDA\|VA)	30	$6,170,000	$205,667	$4,757	4.20%
MANKATO, MN (FHA\|USDA\|VA)	37	$6,005,000	$162,297	$4,115	4.03%
Brookings, SD (FHA\|USDA\|VA)	25	$6,005,000	$240,200	$5,524	3.90%
RAPID CITY, SD (FHA\|USDA\|VA)	12	$3,410,000	$284,167	$5,502	3.94%
Yankton, SD (FHA\|USDA\|VA)	16	$3,300,000	$206,250	$4,300	3.84%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	12	$3,120,000	$260,000	$5,007	3.80%
Marshall, MN (FHA\|USDA\|VA)	24	$3,100,000	$129,167	$3,502	3.95%
Spirit Lake, IA (FHA\|USDA\|VA)	10	$2,620,000	$262,000	$4,930	3.86%
ROCHESTER, MN (FHA\|USDA\|VA)	18	$2,620,000	$145,556	$4,046	4.26%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	16	$2,560,000	$160,000	$3,235	4.43%
Columbus, NE (FHA\|USDA\|VA)	12	$2,380,000	$198,333	$5,081	4.01%
New Ulm, MN (FHA\|USDA\|VA)	17	$2,355,000	$138,529	$4,273	4.48%
EAU CLAIRE, WI (FHA\|USDA\|VA)	11	$2,295,000	$208,636	$4,499	4.03%
Spearfish, SD (FHA\|USDA\|VA)	6	$1,570,000	$261,667	$4,418	3.71%
Clinton, IA (FHA\|USDA\|VA)	15	$1,515,000	$101,000	$4,369	3.89%
Lexington, NE (FHA\|USDA\|VA)	10	$1,400,000	$140,000	$3,862	4.34%
Menomonie, WI (FHA\|USDA\|VA)	6	$1,280,000	$213,333	$3,334	4.08%
Dickinson, ND (FHA\|USDA\|VA)	5	$1,205,000	$241,000	$6,525	4.10%
Pierre, SD (FHA\|USDA\|VA)	6	$1,050,000	$175,000	$5,752	4.23%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	6	$1,040,000	$173,333	$5,201	3.71%
Huron, SD (FHA\|USDA\|VA)	6	$1,000,000	$166,667	$3,798	4.40%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	4	$880,000	$220,000	$5,368	3.91%
Brainerd, MN (FHA\|USDA\|VA)	3	$835,000	$278,333	$5,851	3.92%
TULSA, OK (FHA\|USDA\|VA)	3	$825,000	$275,000	$6,069	3.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$755,000	$755,000	$12,310	5.25%
ST. CLOUD, MN (FHA\|USDA\|VA)	2	$730,000	$365,000	$5,360	4.19%
Fairmont, MN (FHA\|USDA\|VA)	7	$645,000	$92,143	$5,331	4.30%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	5	$645,000	$129,000	$3,037	4.58%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	1	$585,000	$585,000	$12,370	3.75%
Albert Lea, MN (FHA\|USDA\|VA)	5	$575,000	$115,000	$4,534	3.80%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	2	$560,000	$280,000	$4,437	3.75%
MADISON, WI (FHA\|USDA\|VA)	2	$530,000	$265,000	$4,532	3.62%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	2	$520,000	$260,000	$5,194	3.81%
Faribault-Northfield, MN (FHA\|USDA\|VA)	2	$510,000	$255,000	$4,768	3.50%
MIDLAND, TX (FHA\|USDA\|VA)	1	$495,000	$495,000	$9,130	3.75%
FARGO, ND-MN (FHA\|USDA\|VA)	2	$470,000	$235,000	$9,065	4.00%
Sterling, IL (FHA\|USDA\|VA)	4	$450,000	$112,500	$4,160	3.81%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	1	$445,000	$445,000	$5,265	4.13%
Hilo, HI (FHA\|USDA\|VA)	1	$405,000	$405,000	$6,575	3.38%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	1	$395,000	$395,000	$5,982	3.38%
GRAND ISLAND, NE (FHA\|USDA\|VA)	2	$370,000	$185,000	$3,355	4.13%
AMES, IA (FHA\|USDA\|VA)	2	$370,000	$185,000	$3,347	3.94%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	1	$345,000	$345,000	$4,932	4.75%
Williston, ND (FHA\|USDA\|VA)	2	$340,000	$170,000	$4,294	4.06%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	1	$335,000	$335,000	$5,762	3.88%
Whitewater, WI (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,349	3.99%
Rochelle, IL (FHA\|USDA\|VA)	2	$290,000	$145,000	$5,518	4.31%
Minot, ND (FHA\|USDA\|VA)	2	$290,000	$145,000	$4,821	4.56%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$275,000	$275,000	$11,645	3.63%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$275,000	$275,000	$4,938	3.49%
Jamestown, ND (FHA\|USDA\|VA)	2	$260,000	$130,000	$4,109	4.63%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	1	$255,000	$255,000	$7,964	4.00%
Fremont, NE (FHA\|USDA\|VA)	1	$225,000	$225,000	$7,450	3.75%
Austin, MN (FHA\|USDA\|VA)	2	$220,000	$110,000	$3,899	4.50%
CASPER, WY (FHA\|USDA\|VA)	1	$215,000	$215,000	$10,699	3.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$215,000	$215,000	$4,574	3.38%
Fergus Falls, MN (FHA\|USDA\|VA)	2	$210,000	$105,000	$3,470	3.94%
GRAND FORKS, ND-MN (FHA\|USDA\|VA)	1	$205,000	$205,000	$8,036	4.50%
Riverton, WY (FHA\|USDA\|VA)	1	$205,000	$205,000	$5,317	3.25%
Glenwood Springs, CO (FHA\|USDA\|VA)	1	$205,000	$205,000	$5,366	3.50%
Freeport, IL (FHA\|USDA\|VA)	2	$200,000	$100,000	$2,417	4.25%
Alexandria, MN (FHA\|USDA\|VA)	1	$195,000	$195,000	$4,922	3.50%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	1	$185,000	$185,000	$9,533	3.25%
Marshalltown, IA (FHA\|USDA\|VA)	1	$185,000	$185,000	$6,671	3.50%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	1	$185,000	$185,000	$5,369	4.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	1	$175,000	$175,000	$4,237	4.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$175,000	$175,000	$4,545	3.75%
Kearney, NE (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,031	4.88%
Hutchinson, MN (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,273	4.25%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,991	3.63%
Norfolk, NE (FHA\|USDA\|VA)	1	$145,000	$145,000	$5,472	3.50%
LA CROSSE-ONALASKA, WI-MN (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,554	4.38%
WACO, TX (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,652	4.00%
Muskogee, OK (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,538	4.13%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,754	3.99%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,878	3.88%
Winona, MN (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,451	4.75%
Branson, MO (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,362	4.75%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$35,000	$35,000	$2,696	4.88%

Plains Commerce Bank's top markets include Sioux Falls, Bismarck, Watertown, Aberdeen, and Minneapolis among others.

Their top states include:

South Dakota (FHA|USDA|VA)

Minnesota (FHA|USDA|VA)

Iowa (FHA|USDA|VA)

North Dakota (FHA|USDA|VA)

Utah (FHA|USDA|VA)

Similar Lenders

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

CENTRAL MINNESOTA Credit Union
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ALOHA PACIFIC
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HAWAIIAN FINANCIAL
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,295	$496,215,000	$216,216	$3,992	4.13%
FHA	704	$117,740,000	$167,244	$6,496	4.06%
VA	199	$47,705,000	$239,724	$6,018	3.65%
USDA	177	$26,155,000	$147,768	$5,169	3.84%

For 2019, Plains Commerce Bank's most frequently originated type of loan was Conventional, with 2,295 originations. Their 2nd most popular type was FHA, with 704 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,208	$436,180,000	$197,545	$4,978	4.13%
Refi	729	$166,865,000	$228,896	$4,103	3.80%
Cash Out Refi	382	$78,550,000	$205,628	$4,622	4.07%
Other	39	$5,145,000	$131,923	$2,597	5.29%
Home Improvement	17	$1,075,000	$63,235	$1,406	5.72%

For 2019, Plains Commerce Bank's most frequently cited loan purpose was Home Purchase, with 2,208 originations. The 2nd most popular reason was Refi, with 729 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,697	$542,035,000	$200,977	$4,988	4.11%
15 Year	407	$78,365,000	$192,543	$3,786	3.39%
20 Year	111	$26,125,000	$235,360	$4,381	3.82%
Other	58	$27,320,000	$471,034	$1,739	5.75%
1 Year	48	$7,200,000	$150,000	$1,268	5.58%
5 Year	32	$5,260,000	$164,375	$2,016	5.57%
10 Year	22	$1,510,000	$68,636	$1,919	4.13%

For 2019, Plains Commerce Bank's most frequently cited loan duration was 30 Year, with 2,697 originations. The 2nd most popular length was 15 Year, with 407 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$2k-3k	1,147	$234,165,000	$204,154
$1k-2k	1,121	$153,125,000	$136,597
$3k-4k	440	$123,220,000	$280,045
$<1k	325	$30,565,000	$94,046
$4k-5k	213	$79,915,000	$375,188
$5k+	84	$37,270,000	$443,690

Plains Commerce Bank's average total fees were $4,988, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 1,147 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,842	$386,260,000	$209,696
4-5%	1,090	$226,840,000	$208,110
5-6%	284	$42,510,000	$149,683
2.5-3%	134	$29,770,000	$222,164
6-7%	11	$1,875,000	$170,455
7-8%	7	$185,000	$26,429
Over 8%	7	$375,000	$53,571

During 2019, Plains Commerce Bank's average interest rate for loans was 4.11%, while their most frequently originated rate bucket for loans was 3-4%, with 1,842 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	1,537	$235,615,000	$153,295	$4,198	4.05%
$200k-400k	1,186	$312,990,000	$263,904	$5,689	3.93%
$100,000 or less	476	$32,420,000	$68,109	$2,846	4.55%
$400k-600k	162	$74,870,000	$462,160	$7,218	3.95%
$600k-1MM	11	$8,435,000	$766,818	$9,930	4.94%
$1MM+	3	$23,485,000	$7,828,333	$20,284	5.03%

2019 saw Plains Commerce Bank place emphasis on $100k-200k loans with 1,537 originations, totaling $235,615,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	921	$159,015,000	$172,655	$4,591	4.11%
$50k or less	769	$97,995,000	$127,432	$4,309	4.10%
$75k-100k	592	$118,310,000	$199,848	$4,863	4.03%
$100k-150k	588	$145,540,000	$247,517	$4,870	4.03%
$150k-250k	279	$83,725,000	$300,090	$5,380	4.07%
$250k+	86	$30,940,000	$359,767	$5,920	3.99%

Plains Commerce Bank lent most frequently to those with incomes in the $50k-75k range, with 921 originations. The second most popular income band? $50k or less, with 769 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	726	$141,430,000	$194,807	$4,293	4.02%
30-36%	623	$122,255,000	$196,236	$4,406	4.08%
50-60%	218	$43,020,000	$197,339	$7,136	3.95%
<20%	209	$39,455,000	$188,780	$3,876	3.95%
39%	143	$28,615,000	$200,105	$4,806	4.19%
42%	139	$28,215,000	$202,986	$4,861	4.17%
40%	138	$27,200,000	$197,101	$4,715	4.23%
44%	134	$27,130,000	$202,463	$4,781	4.09%
37%	127	$24,355,000	$191,772	$4,737	4.03%
43%	121	$23,135,000	$191,198	$4,725	4.12%
38%	114	$22,210,000	$194,825	$4,964	4.10%
41%	113	$23,205,000	$205,354	$4,880	4.23%
36%	107	$20,125,000	$188,084	$4,534	4.00%
46%	80	$14,830,000	$185,375	$4,887	4.12%
48%	68	$14,450,000	$212,500	$5,016	3.97%
45%	66	$13,850,000	$209,848	$5,145	4.06%
49%	64	$13,410,000	$209,531	$5,366	4.18%
47%	64	$12,040,000	$188,125	$4,724	4.00%
>60%	6	$1,160,000	$193,333	$5,278	3.54%

Plains Commerce Bank lent most frequently to those with DTI ratios of 20-30%, with 726 originations. The next most common DTI ratio? 30-36%, with 623 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	3,193	$633,925,000	$198,536	$4,672	4.06%
Not applicable	30	$25,870,000	$862,333	$0	5.49%
Not provided	53	$8,785,000	$165,755	$4,610	4.10%
Black	43	$7,875,000	$183,140	$6,203	3.99%
Asian	35	$7,315,000	$209,000	$5,195	4.05%
American Indian	16	$2,980,000	$186,250	$6,370	3.97%
Asian Indian	2	$600,000	$300,000	$5,645	4.50%
Native Hawaiian or Islander	3	$465,000	$155,000	$5,213	3.88%

Approval Rates

Total approvals of all applications
94.60%

Plains Commerce Bank has an average approval rate.

Pick Rate

Approvals leading to origination
54.04%

Plains Commerce Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	3,375	$687,815,000	$203,797

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	9	$25,075,000	$2,786,111
Single Family (1-4 Units):Manufactured	24	$2,980,000	$124,167
Single Family (1-4 Units):Site-Built	3,342	$659,760,000	$197,415

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	81	$8,105,000	$100,062	$2,200	4.54%
40-60%	215	$39,065,000	$181,698	$3,718	3.81%
60-80%	821	$194,685,000	$237,132	$4,151	4.03%
80-100%	2,181	$437,655,000	$200,667	$5,111	4.06%
Over 100%	29	$6,785,000	$233,966	$9,524	3.82%
Under 20%	48	$1,520,000	$31,667	$719	5.93%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Plains Commerce Bank	109 First Avenue Southeast Watertown, SD 57201	Full Service B&M	$106,186
Plains Commerce Bank	1130 South Burr Street, Suite 100 Mitchell, SD 57301	Full Service B&M	$9,666
Plains Commerce Bank	1411 East 10th Street Sioux Falls, SD 57103	Full Service B&M	$20,528
Plains Commerce Bank	220 Main Street, Po Box 7 Hoven, SD 57450	Full Service B&M	$83,185
Plains Commerce Bank	280 Broadway St Conde, SD 57434	Full Service B&M	$12,904
Plains Commerce Bank	3905 West 49th Street Sioux Falls, SD 57106	Full Service B&M	$107,230
Plains Commerce Bank	404 South 3rd Street Bismarck, ND 58504	Full Service B&M	$37,238
Plains Commerce Bank	524 South Dakota Street Aberdeen, SD 57401	Full Service B&M	$178,128
Plains Commerce Bank	920 Fifth Street S.E. Watertown, SD 57201	Full Service B&M	$4,749

For 2019, Plains Commerce Bank had 9 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$34,905
Net interest income	$26,650
Total noninterest income	$23,685
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$322
Trading account gains and fees	$0
Additional Noninterest Income	$23,363
Pre-tax net operating income	$11,101
Securities gains (or losses, -)	$122
Income before extraordinary items	$10,726
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$10,726
Minority interest net income	$0
Net income	$10,726
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$10,608

Plains Commerce Bank's gross interest income from loans was $34,905,000.
Plains Commerce Bank's net interest income from loans was $26,650,000.
Plains Commerce Bank's fee based income from loans was $322,000.
Plains Commerce Bank's net income from loans was $10,726,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$8,255
Provision for credit losses	$300
Total noninterest expense	$38,934
Salaries and employee benefits	$25,166
Premises and equipment expense	$1,780
Additional noninterest expense	$11,988
Applicable income taxes	$497
Net charge-offs	$-128
Cash dividends	$6,676

Plains Commerce Bank's interest expense for loans was $8,255,000.
Plains Commerce Bank's payroll and benefits expense were $25,166,000.
Plains Commerce Bank's property, plant and equipment expenses $1,780,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	3.0%
Real Estate loans	3.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	4.0%
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	1.0%
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	$605,244
Deposits held in domestic offices	$605,244
Deposits by Individuals, partnerships, and corporations	$541,954
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$18,270
Deposits by Commercial banks and other depository institutions in U.S.	$45,020
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$141,002
Demand deposits	$87,997
Nontransaction accounts	$464,242
Money market deposit accounts (MMDAs)	$46,647
Other savings deposits (excluding MMDAs)	$77,912
Total time deposits	$339,683
Total time and savings deposits	$517,247
Noninterest-bearing deposits	$88,290
Interest-bearing deposits	$516,954
Retail deposits	$534,275
IRAs and Keogh plan accounts	$27,487
Brokered deposits	$20,289
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$707,275
Cash & Balances due from depository institutions	$56,987
Interest-bearing balances	$44,002
Total securities	$50,449
Federal funds sold & reverse repurchase	$17,093
Net loans and leases	$544,281
Loan and leases loss allowance	$8,239
Trading account assets	$0
Bank premises and fixed assets	$16,003
Other real estate owned	$617
Goodwill and other intangibles	$9,010
All other assets	$12,835

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$707,275
Total Liabilities	$610,665
Total deposits	$605,244
Interest-bearing deposits	$516,954
Deposits held in domestic offices	$605,244
% insured (estimated)	$85
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$5,421

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$544,281
Loan and leases loss allowance	$8,239
Total loans and leases (domestic)	$552,520
All real estate loans	$432,682
Real estate loans in domestic offices	$432,682
Construction and development loans	$75,808
Residential 1-4 family construction	$41,023
Other construction, all land development and other land	$34,785
Loans secured by nonfarm nonresidential properties	$103,021
Nonfarm nonresidential secured by owner-occupied properties	$40,522
Commercial real estate & other non-farm, non-residential	$62,499
Multifamily residential real estate	$15,314
1-4 family residential loans	$87,687
Farmland loans	$150,852
Loans held in foreign offices	$0
Farm loans	$52,188
Commercial and industrial loans	$60,382
To non-U.S. addressees	$0
Loans to individuals	$5,641
Credit card loans	$1,070
Related Plans	$92
Consumer Auto Loans	$1,255
Other loans to individuals	$3,224
All other loans & leases	$1,627
Loans to foreign governments and official institutions	$0
Other loans	$408
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	$3,655
Non 1-4 family restructured loans & leases	$3,655
Total loans and leases (foreign)	$0

Plains Commerce Bank had $544,281,000 of loans outstanding in 2019. $432,682,000 of loans were in real estate loans. $75,808,000 of loans were in development loans. $15,314,000 of loans were in multifamily mortgage loans. $87,687,000 of loans were in 1-4 family mortgage loans. $52,188,000 of loans were in farm loans. $1,070,000 of loans were in credit card loans. $1,255,000 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	146	$33,386	$228,671
Nonfarm, nonresidential loans - <$100k	34	$1,335	$39,265
Nonfarm, nonresidential loans - $100-250k	49	$7,187	$146,673
Nonfarm, nonresidential loans - $250k-1MM	63	$24,864	$394,667
Commercial & Industrial, US addressed loans - <$1MM	320	$30,725	$96,016
Commercial & Industrial, US addressed loans - <$100k	192	$4,449	$23,172
Commercial & Industrial, US addressed loans - $100-250k	66	$7,938	$120,273
Commercial & Industrial, US addressed loans - $250k-1MM	62	$18,338	$295,774
Farmland loans - <$1MM	491	$76,212	$155,218
Farmland loans - <$100k	174	$5,850	$33,621
Farmland loans - $100-250k	155	$19,986	$128,942
Farmland loans - $250k-1MM	162	$50,376	$310,963
Agriculture operations loans - <$1MM	354	$29,317	$82,816
Agriculture operations loans - <$100k	217	$5,038	$23,217
Agriculture operations loans - $100-250k	78	$8,031	$102,962
Agriculture operations loans - $250k-1MM	59	$16,248	$275,390