Old Second National Bank Mortgage Rates, Fees & Info
Aurora, IL
LEI: B94HV8SXGDD3J5XESU08
Tax ID: 36-1577458
5 stars
-
out of 5 stars, based on 35 reviews
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Mortgage Data
Bank Data
Overview
Old Second National Bank is a
smaller
bank
specializing in
Refi, Home Purchase, and Cash Out Refi loans.
Old Second National Bank has a high proportion of conventional loans.
They have a a low proportion of FHA loans. (This may mean they shy away from
first time homebuyers.)
Their top markets include Chicago, Ottawa, Los Angeles, Rockford, and Milwaukee among others. Old Second National Bank has
an above average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
Old Second National Bank is typically
an average fee
lendor.
Originations
1,205
Origination Dollar Volume (All Markets)
$275,765,000
Employee count
891
Awards
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Old Second National Bank - 2021
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Relative Rate
Old Second National Bank's average 30 year fixed rate mortgage of loans were
3.29%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.14%.
Relative Fees
Old Second National Bank's average total fees for a 30 year fixed rate
mortgage are $3,478.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA)
|
1,016
|
$230,070,000 |
$226,447 |
$2,884 |
3.19% |
Ottawa, IL (FHA|USDA|VA)
|
49
|
$8,405,000 |
$171,531 |
$2,765 |
3.16% |
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA)
|
4
|
$6,140,000 |
$1,535,000 |
$8,586 |
4.00% |
Outside of Metro Areas
|
17 |
$3,255,000 |
$191,471 |
$2,938 |
3.04% |
ROCKFORD, IL (FHA|USDA|VA)
|
17
|
$2,325,000 |
$136,765 |
$2,715 |
3.26% |
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA)
|
3
|
$2,085,000 |
$695,000 |
$2,437 |
3.38% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA)
|
6
|
$1,970,000 |
$328,333 |
$4,855 |
2.92% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA)
|
5
|
$1,885,000 |
$377,000 |
$4,074 |
2.75% |
Rochelle, IL (FHA|USDA|VA)
|
12
|
$1,710,000 |
$142,500 |
$3,025 |
3.26% |
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)
|
4
|
$1,460,000 |
$365,000 |
$4,708 |
2.94% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)
|
7
|
$1,425,000 |
$203,571 |
$2,483 |
3.36% |
NILES, MI (FHA|USDA|VA)
|
2
|
$900,000 |
$450,000 |
$3,535 |
3.00% |
KANKAKEE, IL (FHA|USDA|VA)
|
5
|
$795,000 |
$159,000 |
$4,588 |
3.98% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA)
|
2
|
$720,000 |
$360,000 |
$3,027 |
3.13% |
Holland, MI (FHA|USDA|VA)
|
1
|
$685,000 |
$685,000 |
$0 |
4.50% |
Whitewater, WI (FHA|USDA|VA)
|
3
|
$635,000 |
$211,667 |
$2,835 |
3.58% |
KANSAS CITY, MO-KS (FHA|USDA|VA)
|
3
|
$635,000 |
$211,667 |
$2,545 |
2.96% |
Dixon, IL (FHA|USDA|VA)
|
5
|
$635,000 |
$127,000 |
$3,901 |
3.25% |
TUCSON, AZ (FHA|USDA|VA)
|
1
|
$605,000 |
$605,000 |
$5,286 |
3.25% |
Newberry, SC (FHA|USDA|VA)
|
1
|
$545,000 |
$545,000 |
$3,958 |
3.25% |
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA)
|
1
|
$535,000 |
$535,000 |
$4,248 |
3.13% |
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA)
|
2
|
$530,000 |
$265,000 |
$2,362 |
3.06% |
Baraboo, WI (FHA|USDA|VA)
|
2
|
$510,000 |
$255,000 |
$2,327 |
2.94% |
MADISON, WI (FHA|USDA|VA)
|
2
|
$510,000 |
$255,000 |
$2,172 |
3.00% |
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA)
|
2
|
$510,000 |
$255,000 |
$2,503 |
3.06% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA)
|
1
|
$435,000 |
$435,000 |
$2,992 |
3.88% |
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA)
|
2
|
$410,000 |
$205,000 |
$2,789 |
3.25% |
Red Wing, MN (FHA|USDA|VA)
|
1
|
$375,000 |
$375,000 |
$3,345 |
3.25% |
GREENVILLE-ANDERSON, SC (FHA|USDA|VA)
|
2
|
$320,000 |
$160,000 |
$3,339 |
3.19% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)
|
1
|
$305,000 |
$305,000 |
$3,891 |
2.88% |
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA)
|
1
|
$305,000 |
$305,000 |
$14,719 |
2.25% |
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA)
|
1
|
$295,000 |
$295,000 |
$2,780 |
3.00% |
BLOOMINGTON, IL (FHA|USDA|VA)
|
2
|
$290,000 |
$145,000 |
$2,113 |
2.88% |
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA)
|
1
|
$285,000 |
$285,000 |
$1,894 |
2.75% |
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA)
|
2
|
$270,000 |
$135,000 |
$2,965 |
3.06% |
MORRISTOWN, TN (FHA|USDA|VA)
|
1
|
$245,000 |
$245,000 |
$7,627 |
2.75% |
Crossville, TN (FHA|USDA|VA)
|
1
|
$245,000 |
$245,000 |
$3,437 |
3.13% |
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA)
|
1
|
$245,000 |
$245,000 |
$7,872 |
2.63% |
Mountain Home, AR (FHA|USDA|VA)
|
1
|
$225,000 |
$225,000 |
$2,163 |
3.13% |
FORT COLLINS, CO (FHA|USDA|VA)
|
1
|
$225,000 |
$225,000 |
$3,005 |
3.38% |
JACKSONVILLE, FL (FHA|USDA|VA)
|
1
|
$225,000 |
$225,000 |
$4,683 |
3.00% |
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA)
|
2
|
$210,000 |
$105,000 |
$2,398 |
3.06% |
RALEIGH-CARY, NC (FHA|USDA|VA)
|
1
|
$185,000 |
$185,000 |
$5,816 |
2.63% |
TULSA, OK (FHA|USDA|VA)
|
1
|
$185,000 |
$185,000 |
$3,393 |
2.50% |
KNOXVILLE, TN (FHA|USDA|VA)
|
1
|
$165,000 |
$165,000 |
$2,368 |
2.88% |
ANCHORAGE, AK (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$2,471 |
4.00% |
AKRON, OH (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$3,064 |
3.88% |
HARRISBURG-CARLISLE, PA (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$3,694 |
2.63% |
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA)
|
1
|
$135,000 |
$135,000 |
$2,390 |
2.88% |
Sterling, IL (FHA|USDA|VA)
|
1
|
$85,000 |
$85,000 |
$3,613 |
3.75% |
Martin, TN (FHA|USDA|VA)
|
1
|
$65,000 |
$65,000 |
$0 |
5.00% |
BAY CITY, MI (FHA|USDA|VA)
|
1
|
$55,000 |
$55,000 |
$3,216 |
4.88% |
DECATUR, IL (FHA|USDA|VA)
|
1
|
$35,000 |
$35,000 |
$2,540 |
3.13% |
Old Second National Bank's top markets include Chicago, Ottawa, Los Angeles, Rockford, and Milwaukee among others.
Product Mix
Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
Conventional |
1,126 |
$259,300,000 |
$230,284 |
$2,633 |
3.21% |
FHA |
66 |
$13,230,000 |
$200,455 |
$7,441 |
3.01% |
VA |
13 |
$3,235,000 |
$248,846 |
$5,661 |
2.69% |
For the 2021 period, Old Second National Bank's most frequently
originated loan type
of loans were Conventional, with 1,126 originations.
Their 2nd most popular type is FHA,
with 66 originations.
Loan Reason
Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
Refi |
511 |
$107,805,000 |
$210,969 |
$2,006 |
3.00% |
Home Purchase |
389 |
$103,435,000 |
$265,900 |
$5,051 |
3.34% |
Cash Out Refi |
263 |
$58,605,000 |
$222,833 |
$2,240 |
3.24% |
Other |
33 |
$4,725,000 |
$143,182 |
$1,475 |
3.74% |
Home Improvement |
9 |
$1,195,000 |
$132,778 |
$1,313 |
3.90% |
For the 2021, Old Second National Bank's most frequently cited loan
purpose
of loans were Refi, with 511
originations.
The 2nd most popular reason of loans were Home Purchase,
with 389 originations.
Loan Duration/Length
Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
30 Year |
761 |
$179,505,000 |
$235,880 |
$3,478 |
3.29% |
15 Year |
239 |
$45,185,000 |
$189,059 |
$2,019 |
2.80% |
20 Year |
103 |
$20,805,000 |
$201,990 |
$2,049 |
3.10% |
5 Year |
36 |
$13,980,000 |
$388,333 |
$0 |
4.27% |
10 Year |
35 |
$5,565,000 |
$159,000 |
$1,870 |
2.72% |
Other |
25 |
$6,415,000 |
$256,600 |
$1,821 |
3.12% |
3 Year |
4 |
$3,220,000 |
$805,000 |
$0 |
4.31% |
1 Year |
2 |
$1,090,000 |
$545,000 |
$0 |
4.13% |
For the 2021, Old Second National Bank's most frequently cited loan
length
of loans were 30 Year, with 761 originations.
The 2nd most popular length of loans were 15 Year,
with 239 originations.
Origination Fees
Origination Fee |
Originations |
Total Value |
Average Loan |
$<1k |
1,011 |
$228,525,000 |
$226,039 |
$1k-2k |
67 |
$10,395,000 |
$155,149 |
$2k-3k |
28 |
$6,330,000 |
$226,071 |
$3k-4k |
5 |
$1,335,000 |
$267,000 |
$5k+ |
4 |
$1,450,000 |
$362,500 |
$3,478 of loans were Old Second National Bank's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 1,011 originations.
Interest Rates
Loan Rate |
Originations |
Total Value |
Average Loan |
3-4% |
570 |
$135,430,000 |
$237,596 |
2.5-3% |
448 |
$99,310,000 |
$221,674 |
<2.5% |
106 |
$24,010,000 |
$226,509 |
4-5% |
72 |
$16,560,000 |
$230,000 |
5-6% |
7 |
$405,000 |
$57,857 |
7-8% |
2 |
$50,000 |
$25,000 |
During 2021, Old Second National Bank's average interest
rate of loans were 3.29%, while their
most frequently originated rate bucket of loans were 3-4%,
with 570 originations.
Loan Sizing
Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
$100k-200k |
549 |
$82,255,000 |
$149,827 |
$2,663 |
3.12% |
$200k-400k |
440 |
$119,320,000 |
$271,182 |
$3,379 |
3.10% |
$100,000 or less |
107 |
$7,505,000 |
$70,140 |
$2,048 |
3.80% |
$400k-600k |
83 |
$40,615,000 |
$489,337 |
$3,297 |
3.17% |
$600k-1MM |
19 |
$14,295,000 |
$752,368 |
$3,638 |
3.68% |
$1MM+ |
7 |
$11,775,000 |
$1,682,143 |
$8,586 |
4.00% |
2021 saw Old Second National Bank place emphasis on
$100k-200k loans
with 549 originations, totaling
$82,255,000 in origination value.
Applicant Income
Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
$50k-75k |
276 |
$45,880,000 |
$166,232 |
$3,270 |
3.18% |
$100k-150k |
258 |
$61,740,000 |
$239,302 |
$2,710 |
3.13% |
$75k-100k |
207 |
$40,995,000 |
$198,043 |
$2,894 |
3.12% |
$150k-250k |
176 |
$51,110,000 |
$290,398 |
$2,892 |
3.07% |
$50k or less |
163 |
$20,365,000 |
$124,939 |
$2,852 |
3.32% |
$250k+ |
75 |
$33,415,000 |
$445,533 |
$3,230 |
3.12% |
Old Second National Bank lent most frequently to those with incomes in the
$50k-75k range, with
276 originations.
The second most popular income band? $100k-150k,
with 258 originations.
Applicant Debt to Income Ratio
DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
20-30% |
265 |
$54,935,000 |
$207,302 |
$2,632 |
3.07% |
30-36% |
236 |
$49,950,000 |
$211,653 |
$2,931 |
3.21% |
<20% |
102 |
$21,280,000 |
$208,627 |
$2,376 |
3.11% |
38% |
50 |
$11,490,000 |
$229,800 |
$2,942 |
3.38% |
43% |
48 |
$11,360,000 |
$236,667 |
$3,663 |
3.16% |
44% |
43 |
$9,885,000 |
$229,884 |
$3,277 |
3.32% |
40% |
42 |
$8,680,000 |
$206,667 |
$2,830 |
3.22% |
37% |
42 |
$10,230,000 |
$243,571 |
$3,358 |
3.29% |
48% |
40 |
$9,090,000 |
$227,250 |
$3,002 |
2.98% |
41% |
38 |
$9,010,000 |
$237,105 |
$2,951 |
3.23% |
39% |
38 |
$8,150,000 |
$214,474 |
$3,244 |
3.21% |
36% |
35 |
$8,855,000 |
$253,000 |
$3,132 |
3.17% |
45% |
35 |
$7,385,000 |
$211,000 |
$3,002 |
3.25% |
47% |
35 |
$8,755,000 |
$250,143 |
$3,163 |
3.07% |
42% |
34 |
$7,890,000 |
$232,059 |
$2,842 |
3.18% |
49% |
32 |
$7,600,000 |
$237,500 |
$2,974 |
3.00% |
46% |
26 |
$5,490,000 |
$211,154 |
$3,131 |
3.21% |
50-60% |
16 |
$3,590,000 |
$224,375 |
$6,248 |
3.03% |
>60% |
2 |
$240,000 |
$120,000 |
$2,054 |
2.63% |
Old Second National Bank lent most frequently to those with DTI ratios
of 20-30%, with
265 originations.
The next most common DTI ratio? 30-36%,
with 236 originations.
Ethnicity Mix
Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
White |
1,031 |
$229,825,000 |
$222,915 |
$2,860 |
3.14% |
Not applicable |
37 |
$18,955,000 |
$512,297 |
$0 |
4.29% |
Black |
55 |
$9,405,000 |
$171,000 |
$4,590 |
3.43% |
Not provided |
50 |
$9,150,000 |
$183,000 |
$3,074 |
3.18% |
Asian |
29 |
$7,925,000 |
$273,276 |
$3,123 |
3.00% |
Asian Indian |
2 |
$480,000 |
$240,000 |
$3,037 |
3.44% |
Other Asian |
1 |
$25,000 |
$25,000 |
$0 |
3.25% |
Approval Rates
Total approvals of all applications
91.65%
Old Second National Bank has an average approval rate.
Pick Rate
Approvals leading to origination
81.76%
Old Second National Bank has a below average pick rate.
Points and Fees
Points |
Originations |
Total Value |
Average Loan |
NA |
1,205 |
$275,765,000 |
$228,851 |
Occupancy Type Mix
Dwelling Type |
Originations |
Total Value |
Average Loan |
|
1,205 |
$275,765,000 |
$228,851 |
LTV Distribution
Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
20-40% |
69 |
$11,455,000 |
$166,014 |
$2,195 |
3.17% |
40-60% |
239 |
$47,395,000 |
$198,305 |
$2,145 |
3.00% |
60-80% |
537 |
$135,795,000 |
$252,877 |
$2,461 |
3.23% |
80-100% |
331 |
$78,105,000 |
$235,967 |
$4,444 |
3.18% |
Over 100% |
3 |
$685,000 |
$228,333 |
$8,399 |
3.08% |
Under 20% |
21 |
$1,485,000 |
$70,714 |
$528 |
4.56% |
Bank Details
Branches
Bank Name |
Branch |
Branch Type |
Deposits (000's) |
Old Second National Bank |
1991 West Wilson Street Batavia, IL 60510 |
Full Service B&M
|
$99,649 |
Old Second National Bank |
1200 Douglas Road Oswego, IL 60543 |
Full Service B&M
|
$138,486 |
Old Second National Bank |
1230 N. Orchard Road Aurora, IL 60506 |
Full Service B&M
|
$80,683 |
Old Second National Bank |
1301-1305 West Taylor Street Chicago, IL 60607 |
Full Service B&M
|
$9,249 |
Old Second National Bank |
1350 North Farnsworth Avenue Aurora, IL 60505 |
Full Service B&M
|
$94,801 |
Old Second National Bank |
1810 Dekalb Avenue Sycamore, IL 60178 |
Full Service B&M
|
$40,271 |
Old Second National Bank |
194 South Main Street Burlington, IL 60109 |
Full Service B&M
|
$100,218 |
Old Second National Bank |
195 West Joe Orr Road Chicago Heights, IL 60411 |
Full Service B&M
|
$122,613 |
Old Second National Bank |
555 Redwood Drive Aurora, IL 60506 |
Full Service B&M
|
$88,884 |
Old Second National Bank |
6400 W. North Avenue Chicago, IL 60707 |
Full Service B&M
|
$64,899 |
Old Second National Bank |
7050 Burroughs Avenue Plano, IL 60545 |
Full Service B&M
|
$41,560 |
Old Second National Bank |
749 North Main Street Elburn, IL 60119 |
Full Service B&M
|
$139,500 |
Old Second National Bank |
801 S. Kirk Road Saint Charles, IL 60174 |
Full Service B&M
|
$31,486 |
Old Second National Bank |
850 Essington Joliet, IL 60435 |
Full Service B&M
|
$30,357 |
Old Second National Bank |
901 Essington Road Joliet, IL 60435 |
Full Service B&M
|
$0 |
Old Second National Bank |
9443 South Ashland Avenue Chicago, IL 60620 |
Full Service B&M
|
$28,467 |
Old Second National Bank |
Cross Street At Illinois Route 47 Sugar Grove, IL 60554 |
Full Service B&M
|
$83,210 |
Old Second National Bank |
Two South York Road Bensenville, IL 60106 |
Full Service B&M
|
$68,356 |
Old Second National Bank |
200 West John Street North Aurora, IL 60542 |
Full Service B&M
|
$104,013 |
Old Second National Bank |
20201 South La Grange Road Frankfort, IL 60423 |
Full Service B&M
|
$106,995 |
Old Second National Bank |
26 West Countryside Parkway Yorkville, IL 60560 |
Full Service B&M
|
$168,673 |
Old Second National Bank |
2s101 Harter Road Kaneville, IL 60144 |
Full Service B&M
|
$23,740 |
Old Second National Bank |
3101 Ogden Road Lisle, IL 60532 |
Full Service B&M
|
$24,578 |
Old Second National Bank |
323 East Norris Drive Ottawa, IL 61350 |
Full Service B&M
|
$58,140 |
Old Second National Bank |
3290 Us Highway 20 And Nesler Road Elgin, IL 60123 |
Full Service B&M
|
$28,614 |
Old Second National Bank |
333 West Wacker Drive, Suite 710 Chicago, IL 60606 |
Full Service Retail
|
$167,599 |
Old Second National Bank |
37-39 South River Street Aurora, IL 60506 |
Full Service B&M
|
$716,693 |
Old Second National Bank |
4080 Fox Valley Center Drive Aurora, IL 60504 |
Full Service B&M
|
$50,417 |
Old Second National Bank |
40w 422 Il-64 Wasco, IL 60183 |
Full Service B&M
|
$61,551 |
For 2021, Old Second National Bank had 29 branches.
Yearly Performance Overview
Bank Income
Old Second National Bank's gross interest income from loans was $105,202,000.
Old Second National Bank's net interest income from loans was $102,478,000.
Old Second National Bank's fee based income from loans was $5,408,000.
Old Second National Bank's net income from loans was $29,687,000.
Bank Expenses
Item |
Value (in 000's) |
Total interest expense |
$2,724 |
Provision for credit losses |
$4,326 |
Total noninterest expense |
$96,884 |
Salaries and employee benefits |
$55,500 |
Premises and equipment expense |
$13,540 |
Additional noninterest expense |
$27,844 |
Applicable income taxes |
$10,809 |
Net charge-offs |
$4,444 |
Cash dividends |
$44,000 |
Old Second National Bank's interest expense for loans was $2,724,000.
Old Second National Bank's payroll and benefits expense were $55,500,000.
Old Second National Bank's property, plant and equipment expenses $13,540,000.
Deposits
Type |
Value (in 000's) |
Total deposits |
$5,491,343 |
Deposits held in domestic offices |
$5,491,343 |
Deposits by Individuals, partnerships, and corporations |
$5,152,029 |
Deposits by U.S. Government |
$0 |
Deposits by States and political subdivisions in the U.S. |
$336,377 |
Deposits by Commercial banks and other depository institutions in U.S. |
$2,937 |
Deposits by Banks in foreign countries |
$0 |
Deposits by Foreign governments and official institutions |
$0 |
Transaction accounts |
$1,717,449 |
Demand deposits |
$1,438,356 |
Nontransaction accounts |
$3,773,894 |
Money market deposit accounts (MMDAs) |
$1,432,065 |
Other savings deposits (excluding MMDAs) |
$1,838,019 |
Total time deposits |
$503,810 |
Total time and savings deposits |
$4,052,987 |
Noninterest-bearing deposits |
$1,717,449 |
Interest-bearing deposits |
$3,773,894 |
Retail deposits |
$5,422,624 |
IRAs and Keogh plan accounts |
$150,070 |
Brokered deposits |
$0 |
Deposits held in foreign offices |
$0 |
Assets
Asset |
Value (in 000's) |
Total Assets |
$6,214,413 |
Cash & Balances due from depository institutions |
$752,106 |
Interest-bearing balances |
$713,541 |
Total securities |
$1,692,488 |
Federal funds sold & reverse repurchase |
$0 |
Net loans and leases |
$3,382,404 |
Loan and leases loss allowance |
$44,281 |
Trading account assets |
$0 |
Bank premises and fixed assets |
$88,005 |
Other real estate owned |
$2,356 |
Goodwill and other intangibles |
$109,734 |
All other assets |
$187,320 |
Liabilities
Liabilities |
Value (in 000's) |
Total liabilities and capital |
$6,214,413 |
Total Liabilities |
$5,588,867 |
Total deposits |
$5,491,343 |
Interest-bearing deposits |
$3,773,894 |
Deposits held in domestic offices |
$5,491,343 |
% insured (estimated) |
$74 |
Federal funds purchased and repurchase agreements |
$50,337 |
Trading liabilities |
$0 |
Other borrowed funds |
$6,073 |
Subordinated debt |
$0 |
All other liabilities |
$41,114 |
Issued Loan Types
Type |
Value (in 000's) |
Net loans and leases |
$3,382,404 |
Loan and leases loss allowance |
$44,281 |
Total loans and leases (domestic) |
$3,426,685 |
All real estate loans |
$2,454,805 |
Real estate loans in domestic offices |
$2,454,805 |
Construction and development loans |
$206,132 |
Residential 1-4 family construction |
$37,541 |
Other construction, all land development and other land |
$168,591 |
Loans secured by nonfarm nonresidential properties |
$1,515,632 |
Nonfarm nonresidential secured by owner-occupied properties |
$558,560 |
Commercial real estate & other non-farm, non-residential |
$957,072 |
Multifamily residential real estate |
$308,355 |
1-4 family residential loans |
$408,506 |
Farmland loans |
$16,180 |
Loans held in foreign offices |
$0 |
Farm loans |
$3,750 |
Commercial and industrial loans |
$922,391 |
To non-U.S. addressees |
$0 |
Loans to individuals |
$12,635 |
Credit card loans |
$5,212 |
Related Plans |
$2,233 |
Consumer Auto Loans |
$3,659 |
Other loans to individuals |
$1,531 |
All other loans & leases |
$33,104 |
Loans to foreign governments and official institutions |
$0 |
Other loans |
$3,777 |
Loans to depository institutions and acceptances of other banks |
$0 |
Loans not secured by real estate |
$26,350 |
Loans secured by real estate to non-U.S. addressees |
$0 |
Restructured Loans & leases |
$25 |
Non 1-4 family restructured loans & leases |
$0 |
Total loans and leases (foreign) |
$0 |
Old Second National Bank had $3,382,404,000 of loans outstanding in 2021. $2,454,805,000 of loans were in real estate loans.
$206,132,000 of loans were in development loans. $308,355,000 of loans were in multifamily mortgage loans.
$408,506,000 of loans were in 1-4 family mortgage loans. $3,750,000 of loans were in farm loans. $5,212,000
of loans were in credit card loans. $3,659,000 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 |
904 |
$274,083 |
$303,189 |
Nonfarm, nonresidential loans - <$100k |
110 |
$4,395 |
$39,955 |
Nonfarm, nonresidential loans - $100-250k |
264 |
$38,367 |
$145,330 |
Nonfarm, nonresidential loans - $250k-1MM |
530 |
$231,321 |
$436,455 |
Commercial & Industrial, US addressed loans - <$1MM |
2,175 |
$288,866 |
$132,812 |
Commercial & Industrial, US addressed loans - <$100k |
1,038 |
$24,165 |
$23,280 |
Commercial & Industrial, US addressed loans - $100-250k |
493 |
$62,005 |
$125,771 |
Commercial & Industrial, US addressed loans - $250k-1MM |
644 |
$202,696 |
$314,745 |
Farmland loans - <$1MM |
8 |
$1,505 |
$188,125 |
Farmland loans - <$100k |
1 |
$38 |
$38,000 |
Farmland loans - $100-250k |
3 |
$238 |
$79,333 |
Farmland loans - $250k-1MM |
4 |
$1,229 |
$307,250 |
Agriculture operations loans - <$1MM |
21 |
$1,423 |
$67,762 |
Agriculture operations loans - <$100k |
8 |
$34 |
$4,250 |
Agriculture operations loans - $100-250k |
9 |
$744 |
$82,667 |
Agriculture operations loans - $250k-1MM |
4 |
$645 |
$161,250 |