Bank Of Springfield Mortgage Rates, Fees & Info

Springfield, IL

LEI: 549300XAJENHWRM32Z86

Tax ID: 37-0865074

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

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  • SimulatedRates™
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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

    Bank Of Springfield is a smaller bank specializing in Home Purchase loans. Bank Of Springfield 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: St. Louis, Springfield, Quincy, Jacksonville, and Atlanta among others. We have data for 44 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank Of Springfield 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. Bank Of Springfield 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.55% 12/16/24
    30 Year Conventional Refi 6.32% 12/16/24
    30 Year Cash-out Refi 6.44% 12/16/24
    30 Year FHA Purchase 7.26% 12/16/24
    30 Year VA Purchase 6.41% 12/16/24
    30 Year USDA Purchase 7.14% 12/16/24
    15 Year Conventional Purchase 5.82% 12/16/24
    15 Year Conventional Refi 5.70% 12/16/24
    15 Year Cash-out Refi 5.70% 12/16/24
    15 Year FHA Purchase 5.68% 12/16/24
    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.

    Bank Of Springfield Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Bank Of Springfield. 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

    1,016

    Origination Dollar Volume (All Markets)

    $180,350,000

    Employee count

    272 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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 371 $79,645,000 $214,677 $2,601 4.93%
    SPRINGFIELD, IL (FHA|USDA|VA) 469 $69,735,000 $148,689 $2,075 4.63%
    Outside of Metro Areas 30 $5,250,000 $175,000 $2,213 4.62%
    Quincy, IL-MO (FHA|USDA|VA) 34 $3,920,000 $115,294 $2,442 4.78%
    Jacksonville, IL (FHA|USDA|VA) 30 $3,000,000 $100,000 $2,195 4.83%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $1,765,000 $588,333 $5,874 4.80%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 5 $1,415,000 $283,000 $4,894 4.37%
    Brainerd, MN (FHA|USDA|VA) 1 $1,265,000 $1,265,000 $4,867 4.88%
    Taylorville, IL (FHA|USDA|VA) 10 $1,170,000 $117,000 $1,678 4.59%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $980,000 $245,000 $3,290 4.74%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $950,000 $475,000 $3,725 4.76%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $835,000 $278,333 $3,572 4.38%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $780,000 $195,000 $3,514 4.97%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 4 $750,000 $187,500 $3,528 4.79%
    Lincoln, IL (FHA|USDA|VA) 6 $720,000 $120,000 $2,485 4.25%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $720,000 $360,000 $2,251 4.65%
    Fredericksburg, TX (FHA|USDA|VA) 1 $685,000 $685,000 $0 5.93%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $420,000 $210,000 $2,330 4.74%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $390,000 $195,000 $2,858 4.69%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $380,000 $190,000 $3,511 4.48%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $6,440 4.55%
    Hannibal, MO (FHA|USDA|VA) 5 $365,000 $73,000 $831 4.84%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $345,000 $345,000 $3,101 4.25%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $345,000 $345,000 $2,147 3.90%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $335,000 $335,000 $4,605 4.60%
    BLOOMINGTON, IL (FHA|USDA|VA) 2 $310,000 $155,000 $1,805 4.51%
    Bozeman, MT (FHA|USDA|VA) 1 $305,000 $305,000 $3,966 4.05%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $305,000 $305,000 $2,505 5.00%
    Whitewater, WI (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.00%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $285,000 $285,000 $2,702 4.28%
    COLUMBUS, IN (FHA|USDA|VA) 1 $275,000 $275,000 $7,211 4.75%
    Macomb, IL (FHA|USDA|VA) 2 $260,000 $130,000 $2,895 4.80%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $255,000 $255,000 $1,072 4.25%
    PEORIA, IL (FHA|USDA|VA) 1 $195,000 $195,000 $949 4.15%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,242 4.68%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $165,000 $165,000 $2,167 3.90%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,527 4.63%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $155,000 $155,000 $1,487 5.25%
    Bonham, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,107 4.48%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $155,000 $155,000 $1,883 3.88%
    DECATUR, IL (FHA|USDA|VA) 2 $100,000 $50,000 $1,886 4.43%
    Pahrump, NV (FHA|USDA|VA) 1 $95,000 $95,000 $2,857 4.75%
    Plattsburgh, NY (FHA|USDA|VA) 1 $85,000 $85,000 $2,885 5.08%
    COLUMBIA, MO (FHA|USDA|VA) 1 $65,000 $65,000 $1,578 4.68%
    Bank Of Springfield's top markets include St. Louis, Springfield, Quincy, Jacksonville, and Atlanta among others.

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

    • Similar Lenders

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

    UNITED
    Similarity Rank: 28
    First Bankers Trust Company
    Similarity Rank: 60
    HomeBank
    Similarity Rank: 96
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 100
    Liberty Bank for Savings
    Similarity Rank: 104
    Community Bank of Trenton
    Similarity Rank: 108
    First National Bank of Waterloo
    Similarity Rank: 200
    RELIANCE BANK
    Similarity Rank: 238
    CapGrow Home Mortgage, LLC
    Similarity Rank: 272
    Petefish, Skiles & Co.
    Similarity Rank: 306

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 923 $165,335,000 $179,128 $2,001 4.76%
    FHA 60 $9,340,000 $155,667 $5,189 4.74%
    VA 27 $5,045,000 $186,852 $4,794 4.35%
    USDA 6 $630,000 $105,000 $3,304 4.23%

    For 2018, Bank Of Springfield's most frequently originated type of loan was Conventional, with 923 originations. Their 2nd most popular type was FHA, with 60 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 713 $134,175,000 $188,184 $2,624 4.69%
    Refi 143 $21,675,000 $151,573 $1,338 4.89%
    Cash Out Refi 103 $19,895,000 $193,155 $2,371 4.55%
    Home Improvement 32 $2,990,000 $93,438 $851 5.14%
    Other 25 $1,615,000 $64,600 $552 5.71%

    For 2018, Bank Of Springfield's most frequently cited loan purpose was Home Purchase, with 713 originations. The 2nd most popular reason was Refi, with 143 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 595 $112,795,000 $189,571 $2,783 4.69%
    15 Year 123 $20,075,000 $163,211 $1,812 4.04%
    Other 122 $23,490,000 $192,541 $1,215 5.13%
    5 Year 104 $12,230,000 $117,596 $266 5.54%
    20 Year 35 $6,505,000 $185,857 $2,457 4.50%
    3 Year 16 $1,500,000 $93,750 $230 5.12%
    10 Year 13 $1,465,000 $112,692 $1,729 4.05%
    1 Year 8 $2,290,000 $286,250 $1,050 5.37%

    For 2018, Bank Of Springfield's most frequently cited loan duration was 30 Year, with 595 originations. The 2nd most popular length was 15 Year, with 123 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 614 $109,970,000 $179,104
    $1k-2k 131 $27,325,000 $208,588
    $2k-3k 37 $8,155,000 $220,405
    $3k-4k 10 $2,370,000 $237,000
    $4k-5k 8 $2,560,000 $320,000
    $5k+ 4 $1,510,000 $377,500

    Bank Of Springfield's average total fees were $2,783, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 614 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 626 $118,300,000 $188,978
    5-6% 270 $41,070,000 $152,111
    3-4% 102 $18,920,000 $185,490
    6-7% 16 $2,030,000 $126,875
    Over 8% 1 $25,000 $25,000

    During 2018, Bank Of Springfield's average interest rate for loans was 4.69%, while their most frequently originated rate bucket for loans was 4-5%, with 626 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 359 $51,815,000 $144,331 $2,441 4.64%
    $100,000 or less 327 $19,755,000 $60,413 $1,451 4.92%
    $200k-400k 265 $72,025,000 $271,792 $2,819 4.68%
    $400k-600k 49 $22,195,000 $452,959 $2,976 4.63%
    $600k-1MM 11 $8,205,000 $745,909 $2,003 4.95%
    $1MM+ 5 $6,355,000 $1,271,000 $5,101 5.20%

    2018 saw Bank Of Springfield place emphasis on $100k-200k loans with 359 originations, totaling $51,815,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 222 $41,930,000 $188,874 $2,454 4.74%
    $50k-75k 198 $24,770,000 $125,101 $2,312 4.73%
    $75k-100k 167 $25,915,000 $155,180 $2,377 4.70%
    $150k-250k 134 $33,130,000 $247,239 $2,422 4.71%
    $50k or less 124 $11,590,000 $93,468 $2,123 4.58%
    $250k+ 93 $29,385,000 $315,968 $2,356 4.82%

    Bank Of Springfield lent most frequently to those with incomes in the $100k-150k range, with 222 originations. The second most popular income band? $50k-75k, with 198 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 232 $39,720,000 $171,207 $2,215 4.63%
    30-36% 200 $34,990,000 $174,950 $2,238 4.68%
    <20% 122 $22,720,000 $186,230 $1,996 4.72%
    40% 39 $7,745,000 $198,590 $2,387 4.77%
    39% 38 $6,910,000 $181,842 $2,890 4.64%
    43% 37 $7,655,000 $206,892 $2,383 4.85%
    38% 31 $4,965,000 $160,161 $2,615 4.76%
    37% 30 $5,480,000 $182,667 $2,397 4.69%
    36% 28 $3,800,000 $135,714 $2,546 4.72%
    41% 27 $4,005,000 $148,333 $2,306 4.83%
    42% 26 $5,890,000 $226,538 $2,672 4.77%
    44% 25 $4,395,000 $175,800 $2,565 4.70%
    46% 20 $3,540,000 $177,000 $2,570 4.75%
    48% 18 $2,910,000 $161,667 $2,097 4.78%
    49% 18 $3,560,000 $197,778 $3,082 4.86%
    50-60% 18 $4,110,000 $228,333 $4,212 4.78%
    47% 17 $3,365,000 $197,941 $2,320 4.69%
    45% 11 $2,055,000 $186,818 $2,015 4.48%
    >60% 7 $875,000 $125,000 $1,756 5.31%

    Bank Of Springfield lent most frequently to those with DTI ratios of 20-30%, with 232 originations. The next most common DTI ratio? 30-36%, with 200 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 878 $153,990,000 $175,387 $2,323 4.71%
    Not applicable 62 $10,650,000 $171,774 $0 5.27%
    Not provided 37 $8,995,000 $243,108 $3,091 4.76%
    Black 23 $3,925,000 $170,652 $2,477 4.95%
    Asian 13 $2,335,000 $179,615 $1,594 4.41%
    Asian Indian 1 $195,000 $195,000 $0 5.70%
    Other Asian 1 $135,000 $135,000 $0 5.00%
    American Indian 1 $125,000 $125,000 $824 4.38%

    Approval Rates

    Total approvals of all applications
    93.68%

    Bank Of Springfield has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.94%

    Bank Of Springfield has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,016 $180,350,000 $177,510

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 10 $4,470,000 $447,000
    Single Family (1-4 Units):Manufactured 11 $885,000 $80,455
    Single Family (1-4 Units):Site-Built 995 $174,995,000 $175,874

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 53 $6,005,000 $113,302 $1,422 4.90%
    40-60% 102 $18,910,000 $185,392 $1,819 4.68%
    60-80% 374 $71,150,000 $190,241 $2,389 4.73%
    80-100% 431 $80,385,000 $186,508 $2,711 4.67%
    Over 100% 9 $2,195,000 $243,889 $6,804 4.64%
    Under 20% 47 $1,705,000 $36,277 $333 5.59%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 14.8%
    BANK OF THE WEST VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 3 11.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 5 18.5%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Incorrect information on your report 2 7.4%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 4 14.8%
    BANK OF THE WEST FHA mortgage Closing on a mortgage 1 3.7%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 1 3.7%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 3.7%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 2 7.4%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of Springfield 1111 Maine St Quincy, IL 62301 Full Service B&M $15,363
    Bank of Springfield 1140 Commercial Court, Suite A Chatham, IL 62629 Full Service B&M $8,496
    Bank of Springfield 1701 W. Morton Avenue Jacksonville, IL 62650 Full Service B&M $34,215
    Bank of Springfield 1709 S. Brentwood Boulevard Brentwood, MO 63144 Full Service B&M $11,780
    Bank of Springfield 1717 North Illinois Street Swansea, IL 62226 Full Service B&M $20,733
    Bank of Springfield 1770 Frank Scott Parkway East Shiloh, IL 62269 Full Service B&M $34,393
    Bank of Springfield 2160a South Illinois Route 157 Glen Carbon, IL 62034 Full Service B&M $16,690
    Bank of Springfield 220 North 48th Street Quincy, IL 62305 Full Service B&M $15,568
    Bank of Springfield 2600 Stevenson Drive Springfield, IL 62703 Full Service B&M $107,807
    Bank of Springfield 303 W. College Jacksonville, IL 62650 Full Service B&M $25,130
    Bank of Springfield 3400 West Wabash Springfield, IL 62711 Full Service B&M $377,810
    Bank of Springfield 417 West North Street Staunton, IL 62088 Full Service B&M $30,812
    Bank of Springfield 850 East Madison Street Springfield, IL 62701 Full Service B&M $135,806

    For 2018, Bank Of Springfield had 13 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $42,608
    Net interest income $37,040
    Total noninterest income $12,726
    Gross Fiduciary activities income $430
    Service charges on deposit accounts $1,216
    Trading account gains and fees $0
    Additional Noninterest Income $11,080
    Pre-tax net operating income $9,434
    Securities gains (or losses, -) $0
    Income before extraordinary items $6,722
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,722
    Minority interest net income $0
    Net income $6,722
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,722

    Bank Of Springfield's gross interest income from loans was $42,608,000.
    Bank Of Springfield's net interest income from loans was $37,040,000.
    Bank Of Springfield's fee based income from loans was $1,216,000.
    Bank Of Springfield's net income from loans was $6,722,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,568
    Provision for credit losses $2,350
    Total noninterest expense $37,982
    Salaries and employee benefits $22,474
    Premises and equipment expense $3,809
    Additional noninterest expense $11,699
    Applicable income taxes $2,712
    Net charge-offs $4,149
    Cash dividends $1,385

    Bank Of Springfield's interest expense for loans was $5,568,000.
    Bank Of Springfield's payroll and benefits expense were $22,474,000.
    Bank Of Springfield's property, plant and equipment expenses $3,809,000.

    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 15.0%
    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 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $839,083
    Deposits held in domestic offices $839,083
    Deposits by Individuals, partnerships, and corporations $804,797
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $32,885
    Deposits by Commercial banks and other depository institutions in U.S. $1,401
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $180,313
    Demand deposits $75,311
    Nontransaction accounts $658,770
    Money market deposit accounts (MMDAs) $130,837
    Other savings deposits (excluding MMDAs) $416,214
    Total time deposits $111,719
    Total time and savings deposits $763,772
    Noninterest-bearing deposits $175,197
    Interest-bearing deposits $663,886
    Retail deposits $678,524
    IRAs and Keogh plan accounts $7,101
    Brokered deposits $127,261
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,005,697
    Cash & Balances due from depository institutions $36,931
    Interest-bearing balances $28,514
    Total securities $63,827
    Federal funds sold & reverse repurchase $0
    Net loans and leases $854,012
    Loan and leases loss allowance $7,188
    Trading account assets $0
    Bank premises and fixed assets $20,710
    Other real estate owned $7,567
    Goodwill and other intangibles $7,101
    All other assets $15,549

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,005,697
    Total Liabilities $913,560
    Total deposits $839,083
    Interest-bearing deposits $663,886
    Deposits held in domestic offices $839,083
    % insured (estimated) $61
    Federal funds purchased and repurchase agreements $15,674
    Trading liabilities $0
    Other borrowed funds $51,000
    Subordinated debt $0
    All other liabilities $7,803

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $854,012
    Loan and leases loss allowance $7,188
    Total loans and leases (domestic) $861,200
    All real estate loans $554,676
    Real estate loans in domestic offices $554,676
    Construction and development loans $107,867
    Residential 1-4 family construction $31,862
    Other construction, all land development and other land $76,005
    Loans secured by nonfarm nonresidential properties $235,934
    Nonfarm nonresidential secured by owner-occupied properties $117,264
    Commercial real estate & other non-farm, non-residential $118,670
    Multifamily residential real estate $13,856
    1-4 family residential loans $121,998
    Farmland loans $75,021
    Loans held in foreign offices $0
    Farm loans $42,932
    Commercial and industrial loans $214,199
    To non-U.S. addressees $0
    Loans to individuals $6,901
    Credit card loans $0
    Related Plans $532
    Consumer Auto Loans $2,557
    Other loans to individuals $3,812
    All other loans & leases $42,492
    Loans to foreign governments and official institutions $0
    Other loans $31,005
    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 $7,862
    Non 1-4 family restructured loans & leases $6,957
    Total loans and leases (foreign) $0

    Bank of Springfield had $854,012,000 of loans outstanding in 2018. $554,676,000 of loans were in real estate loans. $107,867,000 of loans were in development loans. $13,856,000 of loans were in multifamily mortgage loans. $121,998,000 of loans were in 1-4 family mortgage loans. $42,932,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,557,000 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 378 $66,836 $176,815
    Nonfarm, nonresidential loans - <$100k 96 $5,408 $56,333
    Nonfarm, nonresidential loans - $100-250k 110 $22,006 $200,055
    Nonfarm, nonresidential loans - $250k-1MM 172 $39,422 $229,198
    Commercial & Industrial, US addressed loans - <$1MM 835 $102,334 $122,556
    Commercial & Industrial, US addressed loans - <$100k 506 $13,932 $27,534
    Commercial & Industrial, US addressed loans - $100-250k 166 $16,381 $98,681
    Commercial & Industrial, US addressed loans - $250k-1MM 163 $72,021 $441,847
    Farmland loans - <$1MM 350 $34,673 $99,066
    Farmland loans - <$100k 159 $6,202 $39,006
    Farmland loans - $100-250k 108 $12,007 $111,176
    Farmland loans - $250k-1MM 83 $16,464 $198,361
    Agriculture operations loans - <$1MM 161 $13,597 $84,453
    Agriculture operations loans - <$100k 88 $2,510 $28,523
    Agriculture operations loans - $100-250k 38 $3,503 $92,184
    Agriculture operations loans - $250k-1MM 35 $7,584 $216,686