Wheatland Bank Mortgage Rates, Fees & Info
Spokane, WALEI: 549300YD9NNO7W7TSI64
Tax ID: 91-1055499
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Mortgage Data
Bank Data
Review & Overview
Wheatland Bank is a smaller bank specializing in various types of mortgages.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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.86% | 4/22/24 |
| 30 Year Conventional Refi | 6.76% | 4/22/24 |
| 30 Year Cash-out Refi | 6.82% | 4/22/24 |
| 30 Year FHA Purchase | 7.84% | 4/22/24 |
| 30 Year FHA Refi | 6.27% | 4/22/24 |
| 30 Year VA Purchase | 6.46% | 4/22/24 |
| 15 Year Conventional Purchase | 6.13% | 4/22/24 |
| 15 Year Conventional Refi | 5.82% | 4/22/24 |
| 15 Year Cash-out Refi | 5.82% | 4/22/24 |
| 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. | ||
Wheatland Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
0Origination Dollar Volume (All Markets)
$0Employee count
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Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Wheatland Bank | 101 E 1st Ave Ritzville, WA 99169 | Full Service B&M | $19,445 |
| Wheatland Bank | 1015 Central Avenue South Quincy, WA 98848 | Full Service B&M | $37,602 |
| Wheatland Bank | 10801 N. Newport Highway Spokane, WA 99218 | Full Service B&M | $18,985 |
| Wheatland Bank | 1115 N Miller Street Wenatchee, WA 98801 | Full Service B&M | $19,014 |
| Wheatland Bank | 134 East Woodin Ave Chelan, WA 98816 | Full Service B&M | $10,829 |
| Wheatland Bank | 1442 S. Pioneer Way Moses Lake, WA 98837 | Full Service B&M | $49,349 |
| Wheatland Bank | 14732 E Indiana Ave Spokane, WA 99216 | Full Service B&M | $13,949 |
| Wheatland Bank | 201 E Yakima Ave Suite 100 Yakima, WA 98901 | Full Service B&M | $22,062 |
| Wheatland Bank | 205 S Main St, Suite 1 Ellensburg, WA 98926 | Full Service B&M | $7,795 |
| Wheatland Bank | 22 East First Avenue Odessa, WA 99159 | Full Service B&M | $23,943 |
| Wheatland Bank | 222 N. Wall Street, Suite 100 Spokane, WA 99201 | Full Service B&M | $27,539 |
| Wheatland Bank | 600 Morgan Street Davenport, WA 99122 | Full Service B&M | $36,793 |
| Wheatland Bank | 8 S.E. Main Street Wilbur, WA 99185 | Full Service B&M | $34,384 |
| Wheatland Bank | 9715 S Sandifur Parkway Pasco, WA 99301 | Full Service B&M | $34,666 |
For 2018, Wheatland Bank had 14 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $18,239 |
| Net interest income | $17,807 |
| Total noninterest income | $5,225 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $717 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $4,508 |
| Pre-tax net operating income | $6,407 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $5,235 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,235 |
| Minority interest net income | $0 |
| Net income | $5,235 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $5,235 |
Wheatland Bank's gross interest income from loans was $18,239,000.
Wheatland Bank's net interest income from loans was $17,807,000.
Wheatland Bank's fee based income from loans was $717,000.
Wheatland Bank's net income from loans was $5,235,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $432 |
| Provision for credit losses | $415 |
| Total noninterest expense | $16,210 |
| Salaries and employee benefits | $10,152 |
| Premises and equipment expense | $1,808 |
| Additional noninterest expense | $4,250 |
| Applicable income taxes | $1,172 |
| Net charge-offs | $137 |
| Cash dividends | $980 |
Wheatland Bank's interest expense for loans was $432,000.
Wheatland Bank's payroll and benefits expense were $10,152,000.
Wheatland Bank's property, plant and equipment expenses $1,808,000.
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 | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.1% |
| 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 | $387,330 |
| Deposits held in domestic offices | $387,330 |
| Deposits by Individuals, partnerships, and corporations | $385,028 |
| Deposits by U.S. Government | $1 |
| Deposits by States and political subdivisions in the U.S. | $2,301 |
| 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 | $207,996 |
| Demand deposits | $187,044 |
| Nontransaction accounts | $179,334 |
| Money market deposit accounts (MMDAs) | $113,751 |
| Other savings deposits (excluding MMDAs) | $49,389 |
| Total time deposits | $16,193 |
| Total time and savings deposits | $200,286 |
| Noninterest-bearing deposits | $187,044 |
| Interest-bearing deposits | $200,285 |
| Retail deposits | $385,939 |
| IRAs and Keogh plan accounts | $2,568 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $434,275 |
| Cash & Balances due from depository institutions | $40,264 |
| Interest-bearing balances | $7,537 |
| Total securities | $39,791 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $325,207 |
| Loan and leases loss allowance | $3,607 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $16,622 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $12,391 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $434,275 |
| Total Liabilities | $391,602 |
| Total deposits | $387,330 |
| Interest-bearing deposits | $200,285 |
| Deposits held in domestic offices | $387,330 |
| % insured (estimated) | $73 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $4,272 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $325,207 |
| Loan and leases loss allowance | $3,607 |
| Total loans and leases (domestic) | $328,814 |
| All real estate loans | $219,033 |
| Real estate loans in domestic offices | $219,033 |
| Construction and development loans | $28,757 |
| Residential 1-4 family construction | $418 |
| Other construction, all land development and other land | $28,339 |
| Loans secured by nonfarm nonresidential properties | $95,196 |
| Nonfarm nonresidential secured by owner-occupied properties | $34,375 |
| Commercial real estate & other non-farm, non-residential | $60,821 |
| Multifamily residential real estate | $16,911 |
| 1-4 family residential loans | $17,696 |
| Farmland loans | $60,473 |
| Loans held in foreign offices | $0 |
| Farm loans | $85,784 |
| Commercial and industrial loans | $22,263 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $1,733 |
| Credit card loans | $1,125 |
| Related Plans | $330 |
| Consumer Auto Loans | $30 |
| Other loans to individuals | $248 |
| All other loans & leases | $0 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| 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 | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Wheatland Bank had $325,207,000 of loans outstanding in 2018. $219,033,000 of loans were in real estate loans. $28,757,000 of loans were in development loans. $16,911,000 of loans were in multifamily mortgage loans. $17,696,000 of loans were in 1-4 family mortgage loans. $85,784,000 of loans were in farm loans. $1,125,000 of loans were in credit card loans. $30,000 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 | 89 | $25,981 | $291,921 |
| Nonfarm, nonresidential loans - <$100k | 8 | $527 | $65,875 |
| Nonfarm, nonresidential loans - $100-250k | 33 | $5,114 | $154,970 |
| Nonfarm, nonresidential loans - $250k-1MM | 48 | $20,340 | $423,750 |
| Commercial & Industrial, US addressed loans - <$1MM | 111 | $9,679 | $87,198 |
| Commercial & Industrial, US addressed loans - <$100k | 52 | $1,240 | $23,846 |
| Commercial & Industrial, US addressed loans - $100-250k | 25 | $2,482 | $99,280 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 34 | $5,957 | $175,206 |
| Farmland loans - <$1MM | 115 | $20,015 | $174,043 |
| Farmland loans - <$100k | 25 | $1,375 | $55,000 |
| Farmland loans - $100-250k | 52 | $6,998 | $134,577 |
| Farmland loans - $250k-1MM | 38 | $11,642 | $306,368 |
| Agriculture operations loans - <$1MM | 241 | $21,901 | $90,876 |
| Agriculture operations loans - <$100k | 80 | $1,740 | $21,750 |
| Agriculture operations loans - $100-250k | 74 | $5,710 | $77,162 |
| Agriculture operations loans - $250k-1MM | 87 | $14,451 | $166,103 |