First Farmers Bank And Trust Company Mortgage Rates, Fees & Info

Converse, IN

LEI: 549300TWHZRVTZ8RYT46

Tax ID: 35-0722410

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

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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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

    First Farmers Bank And Trust Company is a smaller bank specializing in Home Purchase loans. First Farmers Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Kokomo, Indianapolis, Marion, Peru, and Terre Haute among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Farmers Bank And Trust Company 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. First Farmers Bank And Trust Company 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
    Home Equity Line of Credit (HELOC) 6.27% 4/18/24
    30 Year Conventional Purchase 7.11% 4/18/24
    30 Year Conventional Refi 6.90% 4/18/24
    30 Year Cash-out Refi 7.14% 4/18/24
    30 Year FHA Purchase 8.33% 4/18/24
    30 Year USDA Purchase 8.13% 4/18/24
    15 Year Conventional Purchase 6.27% 4/18/24
    15 Year Conventional Refi 6.03% 4/18/24
    15 Year Cash-out Refi 6.03% 4/18/24
    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.

    First Farmers Bank And Trust Company Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from First Farmers Bank And Trust Company. 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

    580

    Origination Dollar Volume (All Markets)

    $75,030,000

    Employee count

    340 Show all (5) 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
    KOKOMO, IN (FHA|USDA|VA) 110 $12,690,000 $115,364 $2,303 4.78%
    Outside of Metro Areas 89 $11,105,000 $124,775 $2,716 4.86%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 54 $10,480,000 $194,074 $3,115 4.75%
    Marion, IN (FHA|USDA|VA) 70 $8,530,000 $121,857 $2,176 4.97%
    Peru, IN (FHA|USDA|VA) 66 $6,680,000 $101,212 $2,192 4.91%
    TERRE HAUTE, IN (FHA|USDA|VA) 43 $5,015,000 $116,628 $2,619 4.94%
    Wabash, IN (FHA|USDA|VA) 33 $4,705,000 $142,576 $2,072 4.74%
    Logansport, IN (FHA|USDA|VA) 28 $2,720,000 $97,143 $2,228 5.08%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $1,500,000 $750,000 $0 4.54%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 13 $1,495,000 $115,000 $1,940 4.82%
    Warsaw, IN (FHA|USDA|VA) 6 $1,420,000 $236,667 $3,374 4.71%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 8 $1,140,000 $142,500 $2,916 5.27%
    DANVILLE, IL (FHA|USDA|VA) 20 $1,090,000 $54,500 $2,198 5.34%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $920,000 $460,000 $3,317 4.25%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $870,000 $435,000 $4,234 4.13%
    Frankfort, IN (FHA|USDA|VA) 5 $685,000 $137,000 $3,624 4.38%
    Huntington, IN (FHA|USDA|VA) 5 $585,000 $117,000 $1,917 4.80%
    FORT WAYNE, IN (FHA|USDA|VA) 4 $490,000 $122,500 $2,049 4.72%
    Bluffton, IN (FHA|USDA|VA) 3 $475,000 $158,333 $3,657 4.42%
    Kendallville, IN (FHA|USDA|VA) 2 $350,000 $175,000 $0 6.00%
    Crawfordsville, IN (FHA|USDA|VA) 1 $335,000 $335,000 $4,697 5.00%
    Plymouth, IN (FHA|USDA|VA) 3 $335,000 $111,667 $3,302 4.99%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $275,000 $275,000 $3,039 4.63%
    Vincennes, IN (FHA|USDA|VA) 1 $255,000 $255,000 $2,971 4.75%
    Washington, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,516 4.25%
    MUNCIE, IN (FHA|USDA|VA) 2 $160,000 $80,000 $3,600 5.56%
    Rochelle, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,823 4.75%
    Charleston-Mattoon, IL (FHA|USDA|VA) 2 $130,000 $65,000 $2,050 4.50%
    Bedford, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,726 4.38%
    Glasgow, KY (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.63%
    MUSKEGON, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.63%
    First Farmers Bank And Trust Company's top markets include Kokomo, Indianapolis, Marion, Peru, and Terre Haute among others.

    Their top states include:
  • Indiana (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

    • Similar Lenders

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

    Terre Haute Savings Bank
    Similarity Rank: 18
    ISU Federal Credit Union
    Similarity Rank: 30
    Community First Bank of Indiana
    Similarity Rank: 117
    Vibrant Credit Union
    Similarity Rank: 132
    Greenfield Banking Company
    Similarity Rank: 255
    Security Federal Savings Bank
    Similarity Rank: 390
    Hendricks County Bank and Trust Company
    Similarity Rank: 393
    INDIANA UNIVERSITY CREDIT UNION
    Similarity Rank: 450
    Third Federal Savings and Loan Association of Cleveland
    Similarity Rank: 614
    1st Source Bank
    Similarity Rank: 836

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 578 $74,790,000 $129,394 $2,471 4.88%
    HELOC 2 $240,000 $120,000 n/a 5.50%

    For 2018, First Farmers Bank And Trust Company's most frequently originated type of loan was Conventional, with 578 originations. Their 2nd most popular type was HELOC, with 2 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 395 $53,245,000 $134,797 $2,416 4.91%
    Cash Out Refi 86 $8,670,000 $100,814 $2,726 4.89%
    Refi 77 $10,835,000 $140,714 $2,545 4.60%
    Home Improvement 17 $2,125,000 $125,000 $2,531 4.82%
    Other 5 $155,000 $31,000 $1,085 6.33%

    For 2018, First Farmers Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 395 originations. The 2nd most popular reason was Cash Out Refi, with 86 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 339 $46,615,000 $137,507 $2,579 4.85%
    15 Year 146 $16,230,000 $111,164 $2,219 4.69%
    20 Year 53 $5,905,000 $111,415 $2,746 4.76%
    Other 26 $5,590,000 $215,000 $2,116 5.60%
    10 Year 11 $545,000 $49,545 $870 6.56%
    5 Year 4 $110,000 $27,500 $1,089 6.43%
    3 Year 1 $35,000 $35,000 $0 5.75%

    For 2018, First Farmers Bank And Trust Company's most frequently cited loan duration was 30 Year, with 339 originations. The 2nd most popular length was 15 Year, with 146 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 230 $24,110,000 $104,826
    $1k-2k 198 $24,030,000 $121,364
    $2k-3k 81 $12,175,000 $150,309
    $3k-4k 26 $5,190,000 $199,615
    $4k-5k 5 $1,005,000 $201,000
    $5k+ 3 $1,175,000 $391,667

    First Farmers Bank And Trust Company's average total fees were $2,579, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 230 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 401 $51,045,000 $127,294
    5-6% 80 $11,790,000 $147,375
    3-4% 46 $8,350,000 $181,522
    6-7% 34 $2,760,000 $81,176
    7-8% 18 $1,070,000 $59,444
    Over 8% 1 $15,000 $15,000

    During 2018, First Farmers Bank And Trust Company's average interest rate for loans was 4.85%, while their most frequently originated rate bucket for loans was 4-5%, with 401 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 279 $17,235,000 $61,774 $2,154 5.07%
    $100k-200k 205 $28,405,000 $138,561 $2,568 4.69%
    $200k-400k 81 $20,205,000 $249,444 $2,945 4.72%
    $400k-600k 10 $4,450,000 $445,000 $4,913 4.71%
    $600k-1MM 3 $2,355,000 $785,000 $0 5.13%
    $1MM+ 2 $2,380,000 $1,190,000 $0 4.43%

    2018 saw First Farmers Bank And Trust Company place emphasis on $100,000 or less loans with 279 originations, totaling $17,235,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 221 $17,335,000 $78,439 $2,205 4.91%
    $50k-75k 130 $15,640,000 $120,308 $2,526 4.79%
    $75k-100k 91 $12,675,000 $139,286 $2,627 4.81%
    $100k-150k 70 $12,920,000 $184,571 $2,843 4.82%
    $150k-250k 40 $8,200,000 $205,000 $2,972 5.01%
    $250k+ 8 $1,780,000 $222,500 $2,578 4.67%

    First Farmers Bank And Trust Company lent most frequently to those with incomes in the $50k or less range, with 221 originations. The second most popular income band? $50k-75k, with 130 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 117 $12,885,000 $110,128 $2,328 4.81%
    30-36% 111 $14,005,000 $126,171 $2,528 4.81%
    <20% 68 $6,880,000 $101,176 $2,180 4.82%
    36% 22 $2,970,000 $135,000 $1,995 5.07%
    39% 20 $2,570,000 $128,500 $2,233 4.91%
    38% 19 $2,425,000 $127,632 $2,336 4.72%
    41% 18 $2,590,000 $143,889 $2,918 4.65%
    44% 16 $1,750,000 $109,375 $2,710 4.76%
    42% 15 $1,705,000 $113,667 $2,478 4.82%
    37% 15 $2,255,000 $150,333 $2,753 4.65%
    40% 15 $1,995,000 $133,000 $3,186 5.54%
    45% 11 $1,735,000 $157,727 $3,412 4.70%
    43% 10 $1,160,000 $116,000 $2,731 4.84%
    48% 9 $2,055,000 $228,333 $3,107 4.71%
    49% 9 $1,545,000 $171,667 $2,899 4.96%
    47% 8 $1,830,000 $228,750 $2,586 4.63%
    46% 4 $590,000 $147,500 $2,423 4.59%
    50-60% 3 $475,000 $158,333 $2,178 5.21%
    >60% 1 $105,000 $105,000 $1,033 7.00%

    First Farmers Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 117 originations. The next most common DTI ratio? 30-36%, with 111 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 554 $67,340,000 $121,552 $2,471 4.85%
    Not applicable 15 $5,975,000 $398,333 $0 5.66%
    Asian 4 $850,000 $212,500 $2,903 5.81%
    Not provided 3 $425,000 $141,667 $1,860 5.21%
    American Indian 3 $305,000 $101,667 $2,246 4.33%
    Black 1 $135,000 $135,000 $2,363 4.63%

    Approval Rates

    Total approvals of all applications
    90.83%

    First Farmers Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.90%

    First Farmers Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 580 $75,030,000 $129,362

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 6 $2,810,000 $468,333
    Multifamily:Site-Built 2 $1,450,000 $725,000
    Single Family (1-4 Units):Manufactured 30 $3,640,000 $121,333
    Single Family (1-4 Units):Site-Built 542 $67,130,000 $123,856

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 33 $3,615,000 $109,545 $1,837 4.99%
    40-60% 59 $6,755,000 $114,492 $2,222 4.90%
    60-80% 238 $35,890,000 $150,798 $2,796 4.90%
    80-100% 244 $28,290,000 $115,943 $2,347 4.80%
    Over 100% 1 $105,000 $105,000 $0 5.88%
    Under 20% 3 $135,000 $45,000 $500 6.74%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 5 35.7%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Incorrect information on your report 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Problem with a credit reporting company's investigation into an existing problem 1 7.1%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 3 21.4%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Farmers Bank and Trust Company 1004 North Cass Street Wabash, IN 46992 Full Service B&M $37,187
    First Farmers Bank and Trust Company 10077 North State Road 37 Elwood, IN 46036 Full Service B&M $37,291
    First Farmers Bank and Trust Company 101 North Main Street Culver, IN 46511 Full Service B&M $24,195
    First Farmers Bank and Trust Company 101 W Sycamore St Kokomo, IN 46901 Full Service B&M $39,242
    First Farmers Bank and Trust Company 102 South Main Street Fairmount, IN 46928 Full Service B&M $53,184
    First Farmers Bank and Trust Company 103 West National Avenue Brazil, IN 47834 Full Service B&M $23,502
    First Farmers Bank and Trust Company 106 South Oakwood Street Oakwood, IL 61858 Full Service B&M $39,794
    First Farmers Bank and Trust Company 112 South California Street Galveston, IN 46932 Full Service B&M $32,567
    First Farmers Bank and Trust Company 115 South Main Street Amboy, IN 46911 Full Service B&M $14,187
    First Farmers Bank and Trust Company 12 West Main Street Oakland, IL 61943 Full Service B&M $29,218
    First Farmers Bank and Trust Company 120 South Broadway Peru, IN 46970 Full Service B&M $77,321
    First Farmers Bank and Trust Company 123 North Jefferson Street Converse, IN 46919 Full Service B&M $118,231
    First Farmers Bank and Trust Company 1402 S. Heaton Knox, IN 46534 Full Service B&M $38,332
    First Farmers Bank and Trust Company 147 West Monroe Avenue Chrisman, IL 61924 Full Service B&M $37,144
    First Farmers Bank and Trust Company 160 W Main St Russiaville, IN 46979 Full Service B&M $25,532
    First Farmers Bank and Trust Company 1710 W Kem Rd Marion, IN 46952 Full Service B&M $27,964
    First Farmers Bank and Trust Company 2 North Broadway Peru, IN 46970 Limited, Drive-thru $0
    First Farmers Bank and Trust Company 2041 N. Reed Rd. Kokomo, IN 46901 Full Service B&M $32,807
    First Farmers Bank and Trust Company 221 Bank Street Hoopeston, IL 60942 Full Service B&M $32,792
    First Farmers Bank and Trust Company 2400 West State Road 38 Sheridan, IN 46069 Full Service B&M $41,673
    First Farmers Bank and Trust Company 244 Hauenstein Road Huntington, IN 46750 Full Service B&M $7,477
    First Farmers Bank and Trust Company 302 Keller Avenue North Judson, IN 46366 Full Service B&M $35,192
    First Farmers Bank and Trust Company 315 East Davis Drive Terre Haute, IN 47802 Full Service B&M $37,189
    First Farmers Bank and Trust Company 32 South Court Street Sullivan, IN 47882 Full Service B&M $78,201
    First Farmers Bank and Trust Company 3910 East Market Street Logansport, IN 46947 Full Service B&M $31,418
    First Farmers Bank and Trust Company 410 Flint Way Drive Kokomo, IN 46901 Full Service B&M $36,597
    First Farmers Bank and Trust Company 501 West Lincoln Road Kokomo, IN 46901 Full Service B&M $53,623
    First Farmers Bank and Trust Company 603 West Main Street Greentown, IN 46936 Full Service B&M $70,108
    First Farmers Bank and Trust Company 709 East Columbia Street Flora, IN 46929 Full Service B&M $11,980
    First Farmers Bank and Trust Company 801 Main Street Clay City, IN 47841 Full Service B&M $24,416
    First Farmers Bank and Trust Company 821 N Vermilion Danville, IL 61832 Full Service B&M $4,273
    First Farmers Bank and Trust Company 825 East Jefferson Street Tipton, IN 46072 Full Service B&M $103,323
    First Farmers Bank and Trust Company 8964 North Terre Haute Road Paris, IL 61944 Full Service B&M $75,768
    First Farmers Bank and Trust Company Routes 1 And 9 Hoopeston, IL 60942 Full Service B&M $22,660

    For 2018, First Farmers Bank And Trust Company had 34 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $79,020
    Net interest income $66,499
    Total noninterest income $15,580
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,524
    Trading account gains and fees $0
    Additional Noninterest Income $12,056
    Pre-tax net operating income $32,935
    Securities gains (or losses, -) $-188
    Income before extraordinary items $27,664
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $27,664
    Minority interest net income $0
    Net income $27,664
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $27,821

    First Farmers Bank And Trust Company's gross interest income from loans was $79,020,000.
    First Farmers Bank And Trust Company's net interest income from loans was $66,499,000.
    First Farmers Bank And Trust Company's fee based income from loans was $3,524,000.
    First Farmers Bank And Trust Company's net income from loans was $27,664,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,521
    Provision for credit losses $4,500
    Total noninterest expense $44,644
    Salaries and employee benefits $25,100
    Premises and equipment expense $5,606
    Additional noninterest expense $13,938
    Applicable income taxes $5,083
    Net charge-offs $3,557
    Cash dividends $17,525

    First Farmers Bank And Trust Company's interest expense for loans was $12,521,000.
    First Farmers Bank And Trust Company's payroll and benefits expense were $25,100,000.
    First Farmers Bank And Trust Company's property, plant and equipment expenses $5,606,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 3.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    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 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 $1,413,023
    Deposits held in domestic offices $1,413,023
    Deposits by Individuals, partnerships, and corporations $1,180,306
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $232,717
    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 $153,157
    Demand deposits $99,477
    Nontransaction accounts $1,259,866
    Money market deposit accounts (MMDAs) $85,229
    Other savings deposits (excluding MMDAs) $810,756
    Total time deposits $363,880
    Total time and savings deposits $1,313,546
    Noninterest-bearing deposits $326,321
    Interest-bearing deposits $1,086,702
    Retail deposits $1,329,727
    IRAs and Keogh plan accounts $32,699
    Brokered deposits $37,430
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,743,398
    Cash & Balances due from depository institutions $41,369
    Interest-bearing balances $4,968
    Total securities $323,263
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,302,246
    Loan and leases loss allowance $15,880
    Trading account assets $0
    Bank premises and fixed assets $20,505
    Other real estate owned $208
    Goodwill and other intangibles $14,599
    All other assets $41,208

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,743,398
    Total Liabilities $1,557,828
    Total deposits $1,413,023
    Interest-bearing deposits $1,086,702
    Deposits held in domestic offices $1,413,023
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $135,000
    Subordinated debt $0
    All other liabilities $9,805

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,302,246
    Loan and leases loss allowance $15,880
    Total loans and leases (domestic) $1,318,126
    All real estate loans $706,360
    Real estate loans in domestic offices $706,360
    Construction and development loans $36,252
    Residential 1-4 family construction $7,908
    Other construction, all land development and other land $28,344
    Loans secured by nonfarm nonresidential properties $196,877
    Nonfarm nonresidential secured by owner-occupied properties $92,849
    Commercial real estate & other non-farm, non-residential $104,028
    Multifamily residential real estate $23,228
    1-4 family residential loans $125,876
    Farmland loans $324,127
    Loans held in foreign offices $0
    Farm loans $307,435
    Commercial and industrial loans $247,337
    To non-U.S. addressees $0
    Loans to individuals $11,728
    Credit card loans $0
    Related Plans $383
    Consumer Auto Loans $7,286
    Other loans to individuals $4,059
    All other loans & leases $45,265
    Loans to foreign governments and official institutions $0
    Other loans $176
    Loans to depository institutions and acceptances of other banks $300
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $8,687
    Non 1-4 family restructured loans & leases $8,277
    Total loans and leases (foreign) $0

    First Farmers Bank and Trust Company had $1,302,246,000 of loans outstanding in 2018. $706,360,000 of loans were in real estate loans. $36,252,000 of loans were in development loans. $23,228,000 of loans were in multifamily mortgage loans. $125,876,000 of loans were in 1-4 family mortgage loans. $307,435,000 of loans were in farm loans. $0 of loans were in credit card loans. $7,286,000 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 527 $90,871 $172,431
    Nonfarm, nonresidential loans - <$100k 182 $6,235 $34,258
    Nonfarm, nonresidential loans - $100-250k 159 $18,164 $114,239
    Nonfarm, nonresidential loans - $250k-1MM 186 $66,472 $357,376
    Commercial & Industrial, US addressed loans - <$1MM 925 $108,856 $117,682
    Commercial & Industrial, US addressed loans - <$100k 586 $18,322 $31,266
    Commercial & Industrial, US addressed loans - $100-250k 186 $24,373 $131,038
    Commercial & Industrial, US addressed loans - $250k-1MM 153 $66,161 $432,425
    Farmland loans - <$1MM 707 $94,741 $134,004
    Farmland loans - <$100k 227 $9,979 $43,960
    Farmland loans - $100-250k 303 $36,907 $121,805
    Farmland loans - $250k-1MM 177 $47,855 $270,367
    Agriculture operations loans - <$1MM 1,123 $120,790 $107,560
    Agriculture operations loans - <$100k 657 $23,574 $35,881
    Agriculture operations loans - $100-250k 316 $51,202 $162,032
    Agriculture operations loans - $250k-1MM 150 $46,014 $306,760