Jonestown Bank And Trust Company Of Jonestown Pennsylvania Mortgage Rates, Fees & Info
Jonestown, PALEI: 549300P7T76AWIP6QL35
Tax ID: 23-0739565
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Mortgage Data
Bank Data
Review & Overview
Jonestown Bank And Trust Company Of Jonestown Pennsylvania is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Jonestown Bank And Trust Company Of Jonestown Pennsylvania has a high proportion of conventional loans. Their top markets by origination volume include: Lebanon, Lancaster, Harrisburg, Reading, and Pottsville among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Jonestown Bank And Trust Company Of Jonestown Pennsylvania has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
286Origination Dollar Volume (All Markets)
$37,580,000Employee count
154Top 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 |
|---|---|---|---|---|---|
| LEBANON, PA (FHA|USDA|VA) | 196 | $22,620,000 | $115,408 | $0 | 0.00% |
| LANCASTER, PA (FHA|USDA|VA) | 34 | $6,860,000 | $201,765 | $0 | 0.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 30 | $5,210,000 | $173,667 | $0 | 0.00% |
| READING, PA (FHA|USDA|VA) | 19 | $2,255,000 | $118,684 | $0 | 0.00% |
| Pottsville, PA (FHA|USDA|VA) | 5 | $325,000 | $65,000 | $0 | 0.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 286 | $37,580,000 | $131,399 | $0 | 0.00% |
For 2019, Jonestown Bank And Trust Company Of Jonestown Pennsylvania's most frequently originated type of loan was Conventional, with 286 originations.
Loan Reason
For 2019, Jonestown Bank And Trust Company Of Jonestown Pennsylvania's most frequently cited loan purpose was Home Purchase, with 115 originations. The 2nd most popular reason was Cash Out Refi, with 89 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 286 | $37,580,000 | $131,399 | $0 | 0.00% |
For 2019, Jonestown Bank And Trust Company Of Jonestown Pennsylvania's most frequently cited loan duration was Other, with 286 originations.
Loan Sizing
2019 saw Jonestown Bank And Trust Company Of Jonestown Pennsylvania place emphasis on $100,000 or less loans with 139 originations, totaling $7,615,000 in origination value.
Applicant Income
Jonestown Bank And Trust Company Of Jonestown Pennsylvania lent most frequently to those with incomes in the $50k-75k range, with 69 originations. The second most popular income band? $50k or less, with 54 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 286 | $37,580,000 | $131,399 | $0 | 0.00% |
Jonestown Bank And Trust Company Of Jonestown Pennsylvania lent most frequently to those with DTI ratios of Exempt%, with 286 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.57%
Jonestown Bank And Trust Company Of Jonestown Pennsylvania has an average approval rate.
Pick Rate
Approvals leading to origination90.91%
Jonestown Bank And Trust Company Of Jonestown Pennsylvania has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 286 | $37,580,000 | $131,399 |
Occupancy Type Mix
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 1 Boyd St Cornwall, PA 17016 | Limited, Mobile/Seasonal Office | $14,281 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 1001 Sharp Avenue Ephrata, PA 17522 | Full Service B&M | $39,394 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 101 Northside Commons Palmyra, PA 17078 | Full Service B&M | $26,846 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 10103 Jonestown Road Grantville, PA 17028 | Full Service B&M | $44,329 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 1200 Grubb Road Palmyra, PA 17078 | Limited, Drive-thru | $6,287 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 1211 Lancaster Road Manheim, PA 17545 | Full Service B&M | $14,492 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 122 Bowman Street Lebanon, PA 17042 | Full Service B&M | $66,061 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 1725 Route 72 Lebanon, PA 17046 | Full Service B&M | $34,379 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 1765 Quentin Road Lebanon, PA 17042 | Full Service B&M | $45,511 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 2 East Main Street Palmyra, PA 17078 | Full Service B&M | $29,695 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 2 West Market Street Jonestown, PA 17038 | Full Service B&M | $96,876 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 25 East Main Street Newmanstown, PA 17073 | Full Service B&M | $43,550 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 421 East Penn Avenue Cleona, PA 17042 | Full Service B&M | $46,807 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | 670 Furnace Hills Pike Lititz, PA 17543 | Full Service B&M | $14,282 |
For 2019, Jonestown Bank And Trust Company Of Jonestown Pennsylvania had 14 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $27,162 |
| Net interest income | $21,362 |
| Total noninterest income | $3,901 |
| Gross Fiduciary activities income | $355 |
| Service charges on deposit accounts | $1,290 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $2,256 |
| Pre-tax net operating income | $6,539 |
| Securities gains (or losses, -) | $30 |
| Income before extraordinary items | $5,436 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,436 |
| Minority interest net income | $0 |
| Net income | $5,436 |
| Sale, conversion, retirement of capital stock, net | $175 |
| Net operating income | $5,411 |
Jonestown Bank And Trust Company Of Jonestown Pennsylvania's gross interest income from loans was $27,162,000.
Jonestown Bank And Trust Company Of Jonestown Pennsylvania's net interest income from loans was $21,362,000.
Jonestown Bank And Trust Company Of Jonestown Pennsylvania's fee based income from loans was $1,290,000.
Jonestown Bank And Trust Company Of Jonestown Pennsylvania's net income from loans was $5,436,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $5,800 |
| Provision for credit losses | $1,048 |
| Total noninterest expense | $17,676 |
| Salaries and employee benefits | $9,539 |
| Premises and equipment expense | $1,892 |
| Additional noninterest expense | $6,245 |
| Applicable income taxes | $1,133 |
| Net charge-offs | $737 |
| Cash dividends | $1,835 |
Jonestown Bank And Trust Company Of Jonestown Pennsylvania's interest expense for loans was $5,800,000.
Jonestown Bank And Trust Company Of Jonestown Pennsylvania's payroll and benefits expense were $9,539,000.
Jonestown Bank And Trust Company Of Jonestown Pennsylvania's property, plant and equipment expenses $1,892,000.
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 | 1.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| 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 | $538,335 |
| Deposits held in domestic offices | $538,335 |
| Deposits by Individuals, partnerships, and corporations | $494,775 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $41,327 |
| Deposits by Commercial banks and other depository institutions in U.S. | $2,232 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $54,735 |
| Demand deposits | $22,235 |
| Nontransaction accounts | $483,599 |
| Money market deposit accounts (MMDAs) | $75,025 |
| Other savings deposits (excluding MMDAs) | $230,198 |
| Total time deposits | $178,376 |
| Total time and savings deposits | $516,099 |
| Noninterest-bearing deposits | $58,412 |
| Interest-bearing deposits | $479,923 |
| Retail deposits | $515,110 |
| IRAs and Keogh plan accounts | $26,379 |
| Brokered deposits | $653 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $626,063 |
| Cash & Balances due from depository institutions | $26,767 |
| Interest-bearing balances | $18,813 |
| Total securities | $35,840 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $532,993 |
| Loan and leases loss allowance | $6,167 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $11,488 |
| Other real estate owned | $191 |
| Goodwill and other intangibles | $224 |
| All other assets | $18,560 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $626,063 |
| Total Liabilities | $567,694 |
| Total deposits | $538,335 |
| Interest-bearing deposits | $479,923 |
| Deposits held in domestic offices | $538,335 |
| % insured (estimated) | $89 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $22,615 |
| Subordinated debt | $3,000 |
| All other liabilities | $3,744 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $532,993 |
| Loan and leases loss allowance | $6,167 |
| Total loans and leases (domestic) | $539,160 |
| All real estate loans | $334,586 |
| Real estate loans in domestic offices | $334,586 |
| Construction and development loans | $17,865 |
| Residential 1-4 family construction | $7,523 |
| Other construction, all land development and other land | $10,342 |
| Loans secured by nonfarm nonresidential properties | $115,920 |
| Nonfarm nonresidential secured by owner-occupied properties | $52,953 |
| Commercial real estate & other non-farm, non-residential | $62,967 |
| Multifamily residential real estate | $20,513 |
| 1-4 family residential loans | $172,372 |
| Farmland loans | $7,916 |
| Loans held in foreign offices | $0 |
| Farm loans | $18 |
| Commercial and industrial loans | $22,007 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $156,033 |
| Credit card loans | $0 |
| Related Plans | $1,357 |
| Consumer Auto Loans | $143,073 |
| Other loans to individuals | $11,603 |
| All other loans & leases | $26,516 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $2,203 |
| 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 | $2,214 |
| Non 1-4 family restructured loans & leases | $1,209 |
| Total loans and leases (foreign) | $0 |
Jonestown Bank and Trust Company of Jonestown Pennsylvania had $532,993,000 of loans outstanding in 2019. $334,586,000 of loans were in real estate loans. $17,865,000 of loans were in development loans. $20,513,000 of loans were in multifamily mortgage loans. $172,372,000 of loans were in 1-4 family mortgage loans. $18,000 of loans were in farm loans. $0 of loans were in credit card loans. $143,073,000 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 | 268 | $50,935 | $190,056 |
| Nonfarm, nonresidential loans - <$100k | 84 | $2,924 | $34,810 |
| Nonfarm, nonresidential loans - $100-250k | 87 | $9,968 | $114,575 |
| Nonfarm, nonresidential loans - $250k-1MM | 97 | $38,043 | $392,196 |
| Commercial & Industrial, US addressed loans - <$1MM | 382 | $15,391 | $40,291 |
| Commercial & Industrial, US addressed loans - <$100k | 310 | $6,435 | $20,758 |
| Commercial & Industrial, US addressed loans - $100-250k | 41 | $3,353 | $81,780 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 31 | $5,603 | $180,742 |
| Farmland loans - <$1MM | 40 | $6,141 | $153,525 |
| Farmland loans - <$100k | 13 | $517 | $39,769 |
| Farmland loans - $100-250k | 17 | $2,577 | $151,588 |
| Farmland loans - $250k-1MM | 10 | $3,047 | $304,700 |
| Agriculture operations loans - <$1MM | 1 | $18 | $18,000 |
| Agriculture operations loans - <$100k | 1 | $18 | $18,000 |