Old Second National Bank Mortgage Rates, Fees & Info
Aurora, ILLEI: B94HV8SXGDD3J5XESU08
Tax ID: 36-1577458
2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
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
1,205Origination Dollar Volume (All Markets)
$275,765,000Employee count
891Awards
Old Second National Bank - 2021
Old Second National Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for Old Second National Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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 applications91.65%
Old Second National Bank has an average approval rate.
Pick Rate
Approvals leading to origination81.76%
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
| Item | Value (in 000's) |
|---|---|
| Total interest income | $105,202 |
| Net interest income | $102,478 |
| Total noninterest income | $38,996 |
| Gross Fiduciary activities income | $7,348 |
| Service charges on deposit accounts | $5,408 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $26,240 |
| Pre-tax net operating income | $40,264 |
| Securities gains (or losses, -) | $232 |
| Income before extraordinary items | $29,687 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $29,687 |
| Minority interest net income | $0 |
| Net income | $29,687 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $29,503 |
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.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 2.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.4% |
| 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 | $5,491,343 |
| 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 |
