First Mid Bank & Trust Mortgage Rates, Fees & Info
Mattoon, ILLEI: 549300XOTES5TCS8T794
Tax ID: 37-0404035
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Review & Overview
First Mid Bank & Trust is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. First Mid Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Champaign, Orlando, Decatur, and Charleston among others. We have data for 52 markets. (Some data included below & more in-depth data is available with an active subscription.)First Mid Bank & Trust has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Mid Bank & Trust 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 | 6.68% | 3/19/23 |
30 Year Conventional Refi | 6.54% | 3/19/23 |
30 Year Cash-out Refi | 6.82% | 3/19/23 |
30 Year USDA Purchase | 6.25% | 3/19/23 |
30 Year USDA Refi | 6.24% | 3/19/23 |
15 Year Conventional Purchase | 6.22% | 3/19/23 |
15 Year Conventional Refi | 6.01% | 3/19/23 |
15 Year Cash-out Refi | 6.01% | 3/19/23 |
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. |
Originations
1,423Origination Dollar Volume (All Markets)
$291,825,000Employee count
782 Show all (16) awardsRelative Rate
First Mid Bank & Trust's average 30 year fixed mortgage rate was
3.11%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.04%.
Relative Fees (Closing Costs)
First Mid Bank & Trust's average total fees/closing costs for a 30 year fixed rate
mortgage were $2,142.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
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) | 443 | $85,915,000 | $193,939 | $1,949 | 3.04% |
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 94 | $49,750,000 | $529,255 | $1,651 | 3.14% |
Outside of Metro Areas | 281 | $30,385,000 | $108,132 | $1,861 | 3.00% |
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $20,005,000 | $20,005,000 | $0 | 3.15% |
DECATUR, IL (FHA|USDA|VA) | 46 | $17,100,000 | $371,739 | $1,941 | 3.17% |
Charleston-Mattoon, IL (FHA|USDA|VA) | 145 | $15,785,000 | $108,862 | $2,019 | 3.07% |
COLUMBIA, MO (FHA|USDA|VA) | 30 | $8,780,000 | $292,667 | $2,058 | 3.07% |
Galesburg, IL (FHA|USDA|VA) | 86 | $7,690,000 | $89,419 | $1,906 | 3.06% |
CARBONDALE-MARION, IL (FHA|USDA|VA) | 63 | $7,415,000 | $117,698 | $1,741 | 3.00% |
PEORIA, IL (FHA|USDA|VA) | 43 | $6,945,000 | $161,512 | $1,879 | 3.16% |
TERRE HAUTE, IN (FHA|USDA|VA) | 27 | $4,445,000 | $164,630 | $2,038 | 3.34% |
Mount Vernon, IL (FHA|USDA|VA) | 32 | $3,930,000 | $122,813 | $1,610 | 2.99% |
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $3,575,000 | $3,575,000 | $6,082 | 3.25% |
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 9 | $3,075,000 | $341,667 | $2,468 | 3.58% |
Effingham, IL (FHA|USDA|VA) | 20 | $2,810,000 | $140,500 | $2,186 | 3.04% |
Quincy, IL-MO (FHA|USDA|VA) | 18 | $2,430,000 | $135,000 | $1,726 | 2.94% |
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 5 | $2,345,000 | $469,000 | $2,191 | 3.18% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $2,295,000 | $459,000 | $3,292 | 3.00% |
JEFFERSON CITY, MO (FHA|USDA|VA) | 14 | $2,020,000 | $144,286 | $2,074 | 2.99% |
Freeport, IL (FHA|USDA|VA) | 1 | $1,955,000 | $1,955,000 | $0 | 4.00% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $1,815,000 | $363,000 | $4,510 | 3.45% |
BLOOMINGTON, IL (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $1,654 | 2.83% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $6,333 | 3.93% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $2,912 | 2.91% |
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $2,966 | 3.75% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,097 | 3.25% |
Taylorville, IL (FHA|USDA|VA) | 6 | $670,000 | $111,667 | $1,664 | 3.08% |
Breckenridge, CO (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $2,734 | 3.50% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,804 | 2.75% |
PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,108 | 2.88% |
DANVILLE, IL (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $1,607 | 3.28% |
SPRINGFIELD, IL (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $2,135 | 3.00% |
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,294 | 3.00% |
Logansport, IN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 3.94% |
KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.00% |
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,682 | 2.88% |
Meadville, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,625 | 3.25% |
Crawfordsville, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,020 | 3.88% |
Palestine, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,123 | 3.00% |
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,001 | 3.25% |
JOPLIN, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,225 | 2.75% |
TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,173 | 2.38% |
Paducah, KY-IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,435 | 3.88% |
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,340 | 3.38% |
Moberly, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,765 | 2.88% |
SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.00% |
ROCKFORD, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,546 | 3.25% |
JACKSON, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,219 | 3.13% |
KANKAKEE, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,201 | 2.38% |
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,837 | 2.88% |
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.88% |
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.63% |
Similar Lenders
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Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 1,325 | $281,615,000 | $212,540 | $1,838 | 3.11% |
USDA | 98 | $10,210,000 | $104,184 | $3,212 | 2.37% |
For 2021, First Mid Bank & Trust's most frequently originated type of loan was Conventional, with 1,325 originations. Their 2nd most popular type was USDA, with 98 originations.
Loan Reason
For 2021, First Mid Bank & Trust's most frequently cited loan purpose was Home Purchase, with 786 originations. The 2nd most popular reason was Refi, with 293 originations.
Loan Duration/Length
For 2021, First Mid Bank & Trust's most frequently cited loan duration was 30 Year, with 812 originations. The 2nd most popular length was 15 Year, with 374 originations.
Origination Fees/Closing Costs
First Mid Bank & Trust's average total fees were $2,142, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,236 originations.
Interest Rates
During 2021, First Mid Bank & Trust's average interest rate for loans was 3.11%, while their most frequently originated rate bucket for loans was 3-4%, with 631 originations.
Loan Sizing
2021 saw First Mid Bank & Trust place emphasis on $100,000 or less loans with 557 originations, totaling $36,895,000 in origination value.
Applicant Income
First Mid Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 364 originations. The second most popular income band? $50k-75k, with 319 originations.
Applicant Debt to Income Ratio
First Mid Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 440 originations. The next most common DTI ratio? 30-36%, with 243 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.28%
First Mid Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination85.66%
First Mid Bank & Trust has an average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 1,423 | $291,825,000 | $205,077 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
FIRST UNITED BANK AND TRUST COMPANY | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |
Bank Details
Branches
Bank Name | Branch | Branch Type | Deposits (000's) |
---|---|---|---|
First Mid Bank & Trust, National Association | 1101 W. Garfield Avenue Peoria, IL 61607 | Full Service B&M | $28,665 |
First Mid Bank & Trust, National Association | 1 Jefferson Street Mansfield, IL 61854 | Full Service B&M | $50,174 |
First Mid Bank & Trust, National Association | 100 South Water Street Decatur, IL 62526 | Full Service B&M | $74,349 |
First Mid Bank & Trust, National Association | 1001 South Fifth Street Saint Charles, MO 63301 | Full Service B&M | $63,525 |
First Mid Bank & Trust, National Association | 101 East Main Street Galesburg, IL 61401 | Full Service B&M | $65,412 |
First Mid Bank & Trust, National Association | 101 South Central Avenue Paris, IL 61944 | Full Service B&M | $82,458 |
First Mid Bank & Trust, National Association | 101 West Washington Street Altamont, IL 62411 | Full Service B&M | $46,215 |
First Mid Bank & Trust, National Association | 102 East Sixth Street Neoga, IL 62447 | Full Service B&M | $37,923 |
First Mid Bank & Trust, National Association | 1021 West Bird Boulevard Peoria, IL 61614 | Full Service B&M | $25,943 |
First Mid Bank & Trust, National Association | 1046 Madison Avenue Wood River, IL 62095 | Full Service B&M | $66,554 |
First Mid Bank & Trust, National Association | 1090 South Route 51 Forsyth, IL 62535 | Full Service B&M | $45,769 |
First Mid Bank & Trust, National Association | 2 E Locust St Harrisburg, IL 62946 | Full Service B&M | $80,704 |
First Mid Bank & Trust, National Association | 200 North Main Street Taylorville, IL 62568 | Full Service B&M | $14,801 |
First Mid Bank & Trust, National Association | 200 South Hamilton Street Sullivan, IL 61951 | Full Service B&M | $110,532 |
First Mid Bank & Trust, National Association | 2143 S Hwy 157 Edwardsville, IL 62025 | Full Service B&M | $58,565 |
First Mid Bank & Trust, National Association | 219 West Center Street Monticello, IL 61856 | Limited, Drive-thru | $84,987 |
First Mid Bank & Trust, National Association | 230 Sw Adams Street Peoria, IL 61602 | Full Service B&M | $24,925 |
First Mid Bank & Trust, National Association | 2306 E. Washington Bloomington, IL 61704 | Full Service B&M | $26,669 |
First Mid Bank & Trust, National Association | 2306 Williamson County Parkway Marion, IL 62959 | Full Service B&M | $23,056 |
First Mid Bank & Trust, National Association | 249 W Springfield Road Arcola, IL 61910 | Full Service B&M | $38,534 |
First Mid Bank & Trust, National Association | 295 Salt Lick Road Saint Peters, MO 63376 | Full Service B&M | $54,779 |
First Mid Bank & Trust, National Association | 300 Ellis Boulevard Jefferson City, MO 65101 | Full Service B&M | $52,977 |
First Mid Bank & Trust, National Association | 300 South Division Carterville, IL 62918 | Full Service B&M | $50,133 |
First Mid Bank & Trust, National Association | 300 St Louis Street Edwardsville, IL 62025 | Full Service B&M | $105,416 |
First Mid Bank & Trust, National Association | 301 Broadway Elsberry, MO 63343 | Full Service B&M | $45,567 |
First Mid Bank & Trust, National Association | 3233 Broadway Quincy, IL 62301 | Full Service B&M | $25,239 |
First Mid Bank & Trust, National Association | 331 E Main St Knoxville, IL 61448 | Full Service B&M | $20,876 |
First Mid Bank & Trust, National Association | 333 East Broadway Avenue Mattoon, IL 61938 | Full Service B&M | $59,923 |
First Mid Bank & Trust, National Association | 3525 Missouri Boulevard Jefferson City, MO 65109 | Full Service B&M | $30,262 |
First Mid Bank & Trust, National Association | 3855 Forum Boulevard Columbia, MO 65203 | Full Service B&M | $109,681 |
First Mid Bank & Trust, National Association | 400 Market Street Mount Carmel, IL 62863 | Full Service B&M | $52,432 |
First Mid Bank & Trust, National Association | 400 S 34th Street Mount Vernon, IL 62864 | Full Service B&M | $53,839 |
First Mid Bank & Trust, National Association | 4001 East Highway 47 Winfield, MO 63389 | Full Service B&M | $24,163 |
First Mid Bank & Trust, National Association | 410 South Main Street Tuscola, IL 61953 | Full Service B&M | $52,150 |
First Mid Bank & Trust, National Association | 4530 North University Peoria, IL 61612 | Full Service B&M | $57,269 |
First Mid Bank & Trust, National Association | 455 North Main Street Decatur, IL 62522 | Full Service B&M | $169,998 |
First Mid Bank & Trust, National Association | 460 Hawk Ridge Trail Lake Saint Louis, MO 63367 | Full Service Retail | $49,176 |
First Mid Bank & Trust, National Association | 4600 North Illinois Street Fairview Heights, IL 62208 | Full Service B&M | $131,857 |
First Mid Bank & Trust, National Association | 4825 U.S. Route 36 East Decatur, IL 62521 | Full Service B&M | $58,845 |
First Mid Bank & Trust, National Association | 500 West Lincoln Charleston, IL 61920 | Full Service B&M | $155,241 |
First Mid Bank & Trust, National Association | 502 East Oak Street Mahomet, IL 61853 | Full Service B&M | $48,816 |
First Mid Bank & Trust, National Association | 509 South University Avenue Carbondale, IL 62901 | Full Service B&M | $94,774 |
First Mid Bank & Trust, National Association | 560 East Pershing Road Decatur, IL 62525 | Full Service B&M | $52,307 |
First Mid Bank & Trust, National Association | 601 South Vine Urbana, IL 61801 | Limited, Drive-thru | $45,113 |
First Mid Bank & Trust, National Association | 610 North Michigan Avenue Marshall, IL 62441 | Full Service B&M | $108,365 |
First Mid Bank & Trust, National Association | 636 Hampshire Street Quincy, IL 62301 | Full Service B&M | $26,270 |
First Mid Bank & Trust, National Association | 6814 Goshen Road Edwardsville, IL 62025 | Full Service B&M | $421,665 |
First Mid Bank & Trust, National Association | 719 Rollie Moore Drive Harrisburg, IL 62946 | Full Service B&M | $8,967 |
First Mid Bank & Trust, National Association | 7700 Bonhomme Avenue Clayton, MO 63105 | Full Service Retail | $88,937 |
First Mid Bank & Trust, National Association | 8 North 5th Street Columbia, MO 65201 | Full Service B&M | $19,370 |
First Mid Bank & Trust, National Association | 815 West Stadium Boulevard Jefferson City, MO 65109 | Full Service B&M | $77,800 |
First Mid Bank & Trust, National Association | 902 North Keller Drive Effingham, IL 62401 | Full Service B&M | $25,135 |
First Mid Bank & Trust, National Association | 909 12th St Lawrenceville, IL 62439 | Full Service B&M | $25,787 |
First Mid Bank & Trust, National Association | 913 West Marketview Champaign, IL 61822 | Full Service B&M | $5,013 |
First Mid Bank & Trust, National Association | 915 West Main Street Carbondale, IL 62901 | Full Service Retail | $10,530 |
First Mid Bank & Trust, National Association | 995 Kk Drive Osage Beach, MO 65065 | Full Service B&M | $40,797 |
First Mid Bank & Trust, National Association | 111 East 4th Street Alton, IL 62002 | Full Service B&M | $6,800 |
First Mid Bank & Trust, National Association | 1115 South Main Street Grapevine, TX 76051 | Full Service B&M | $38,694 |
First Mid Bank & Trust, National Association | 114 West Church Street Champaign, IL 61824 | Full Service B&M | $38,548 |
First Mid Bank & Trust, National Association | 116 West Main Street Carmi, IL 62821 | Full Service B&M | $63,061 |
First Mid Bank & Trust, National Association | 1251 Woodfield Drive Savoy, IL 61874 | Full Service B&M | $46,027 |
First Mid Bank & Trust, National Association | 12616 State Route 143 Highland, IL 62249 | Full Service B&M | $90,706 |
First Mid Bank & Trust, National Association | 1500 East Grove Street Rantoul, IL 61866 | Full Service B&M | $23,160 |
First Mid Bank & Trust, National Association | 1515 Charleston Ave Mattoon, IL 61938 | Full Service B&M | $861,966 |
First Mid Bank & Trust, National Association | 1515 N Henderson Street Galesburg, IL 61401 | Full Service B&M | $52,886 |
First Mid Bank & Trust, National Association | 1643 South Jefferson Avenue, Suite E Saint Louis, MO 63104 | Full Service B&M | $2,439 |
First Mid Bank & Trust, National Association | 1709 Walnut Street Murphysboro, IL 62966 | Full Service B&M | $40,058 |
For 2021, First Mid Bank & Trust had 67 branches.
Yearly Performance Overview
Bank Income
Item | Value (in 000's) |
---|---|
Total interest income | $183,562 |
Net interest income | $172,780 |
Total noninterest income | $33,862 |
Gross Fiduciary activities income | $0 |
Service charges on deposit accounts | $7,607 |
Trading account gains and fees | $0 |
Additional Noninterest Income | $26,255 |
Pre-tax net operating income | $63,458 |
Securities gains (or losses, -) | $563 |
Income before extraordinary items | $49,126 |
Discontinued Operations (Extraordinary gains, net) | $0 |
Net income of bank and minority interests | $49,126 |
Minority interest net income | $0 |
Net income | $49,126 |
Sale, conversion, retirement of capital stock, net | $0 |
Net operating income | $48,681 |
First Mid Bank & Trust's gross interest income from loans was $183,562,000.
First Mid Bank & Trust's net interest income from loans was $172,780,000.
First Mid Bank & Trust's fee based income from loans was $7,607,000.
First Mid Bank & Trust's net income from loans was $49,126,000.
Bank Expenses
Item | Value (in 000's) |
---|---|
Total interest expense | $10,782 |
Provision for credit losses | $15,281 |
Total noninterest expense | $127,903 |
Salaries and employee benefits | $66,497 |
Premises and equipment expense | $21,280 |
Additional noninterest expense | $40,126 |
Applicable income taxes | $14,895 |
Net charge-offs | $4,480 |
Cash dividends | $24,375 |
First Mid Bank & Trust's interest expense for loans was $10,782,000.
First Mid Bank & Trust's payroll and benefits expense were $66,497,000.
First Mid Bank & Trust's property, plant and equipment expenses $21,280,000.
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 | 0.0% |
Nonfarm, nonresidential loans | 0.0% |
Multifamily residential loans | 0.0% |
1-4 family residential loans | 1.0% |
HELOC loans | 0.0% |
All other family | 1.0% |
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 | $5,001,176 |
Deposits held in domestic offices | $5,001,176 |
Deposits by Individuals, partnerships, and corporations | $4,653,420 |
Deposits by U.S. Government | $0 |
Deposits by States and political subdivisions in the U.S. | $345,220 |
Deposits by Commercial banks and other depository institutions in U.S. | $2,536 |
Deposits by Banks in foreign countries | $0 |
Deposits by Foreign governments and official institutions | $0 |
Transaction accounts | $1,177,403 |
Demand deposits | $773,751 |
Nontransaction accounts | $3,823,773 |
Money market deposit accounts (MMDAs) | $2,694,381 |
Other savings deposits (excluding MMDAs) | $567,340 |
Total time deposits | $562,052 |
Total time and savings deposits | $4,227,425 |
Noninterest-bearing deposits | $1,291,293 |
Interest-bearing deposits | $3,709,883 |
Retail deposits | $4,625,279 |
IRAs and Keogh plan accounts | $87,002 |
Brokered deposits | $258,007 |
Deposits held in foreign offices | $0 |
Assets
Asset | Value (in 000's) |
---|---|
Total Assets | $5,951,048 |
Cash & Balances due from depository institutions | $165,661 |
Interest-bearing balances | $77,560 |
Total securities | $1,428,112 |
Federal funds sold & reverse repurchase | $1,360 |
Net loans and leases | $3,940,868 |
Loan and leases loss allowance | $54,655 |
Trading account assets | $0 |
Bank premises and fixed assets | $91,655 |
Other real estate owned | $4,984 |
Goodwill and other intangibles | $125,232 |
All other assets | $193,176 |
Liabilities
Liabilities | Value (in 000's) |
---|---|
Total liabilities and capital | $5,951,048 |
Total Liabilities | $5,265,743 |
Total deposits | $5,001,176 |
Interest-bearing deposits | $3,709,883 |
Deposits held in domestic offices | $5,001,176 |
% insured (estimated) | $72 |
Federal funds purchased and repurchase agreements | $146,268 |
Trading liabilities | $0 |
Other borrowed funds | $86,446 |
Subordinated debt | $0 |
All other liabilities | $31,853 |
Issued Loan Types
Type | Value (in 000's) |
---|---|
Net loans and leases | $3,940,868 |
Loan and leases loss allowance | $54,655 |
Total loans and leases (domestic) | $3,995,523 |
All real estate loans | $2,789,843 |
Real estate loans in domestic offices | $2,789,843 |
Construction and development loans | $145,118 |
Residential 1-4 family construction | $15,982 |
Other construction, all land development and other land | $129,136 |
Loans secured by nonfarm nonresidential properties | $1,666,198 |
Nonfarm nonresidential secured by owner-occupied properties | $641,363 |
Commercial real estate & other non-farm, non-residential | $1,024,835 |
Multifamily residential real estate | $298,942 |
1-4 family residential loans | $400,313 |
Farmland loans | $279,272 |
Loans held in foreign offices | $0 |
Farm loans | $151,484 |
Commercial and industrial loans | $832,008 |
To non-U.S. addressees | $0 |
Loans to individuals | $78,442 |
Credit card loans | $0 |
Related Plans | $716 |
Consumer Auto Loans | $46,528 |
Other loans to individuals | $31,198 |
All other loans & leases | $143,746 |
Loans to foreign governments and official institutions | $0 |
Other loans | $75,694 |
Loans to depository institutions and acceptances of other banks | $0 |
Loans not secured by real estate | $28,156 |
Loans secured by real estate to non-U.S. addressees | $0 |
Restructured Loans & leases | $3,931 |
Non 1-4 family restructured loans & leases | $3,049 |
Total loans and leases (foreign) | $0 |
First Mid Bank & Trust had $3,940,868,000 of loans outstanding in 2021. $2,789,843,000 of loans were in real estate loans. $145,118,000 of loans were in development loans. $298,942,000 of loans were in multifamily mortgage loans. $400,313,000 of loans were in 1-4 family mortgage loans. $151,484,000 of loans were in farm loans. $0 of loans were in credit card loans. $46,528,000 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 | 997 | $247,898 | $248,644 |
Nonfarm, nonresidential loans - <$100k | 226 | $13,009 | $57,562 |
Nonfarm, nonresidential loans - $100-250k | 294 | $37,739 | $128,364 |
Nonfarm, nonresidential loans - $250k-1MM | 477 | $197,150 | $413,312 |
Commercial & Industrial, US addressed loans - <$1MM | 1,942 | $185,308 | $95,421 |
Commercial & Industrial, US addressed loans - <$100k | 1,210 | $39,902 | $32,977 |
Commercial & Industrial, US addressed loans - $100-250k | 416 | $45,334 | $108,976 |
Commercial & Industrial, US addressed loans - $250k-1MM | 316 | $100,072 | $316,684 |
Farmland loans - <$1MM | 490 | $70,647 | $144,178 |
Farmland loans - <$100k | 138 | $5,391 | $39,065 |
Farmland loans - $100-250k | 205 | $25,314 | $123,483 |
Farmland loans - $250k-1MM | 147 | $39,942 | $271,714 |
Agriculture operations loans - <$1MM | 622 | $46,421 | $74,632 |
Agriculture operations loans - <$100k | 407 | $12,260 | $30,123 |
Agriculture operations loans - $100-250k | 140 | $16,950 | $121,071 |
Agriculture operations loans - $250k-1MM | 75 | $17,211 | $229,480 |