American Midwest Bank

American Midwest Bank is headquartered in Sycamore and is the 79^th largest bank in the state of Illinois. It is also the 1,280^th largest bank in the nation. It was established in 1973 and as of December of 2011, it had grown to 137 employees at 8 locations. American Midwest Bank's savings rates are 6X the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics American Midwest Bank FDIC Certificate # 21272 BankRate Report View Year Established 1973 Employees 137 Primary Regulator FDIC Assets and Liabilities Assets $526.84 million Loans $332.61 million Deposits $460.21 million Equity Capital $56.64 million Loan Loss Allowance $4.88 million Unbacked Noncurrent Loans $18.59 million Real Estate Owned $9.61 million Historic Data - December 2010 Assets $238.57 million Equity Capital $25.52 million Loan Loss Allowance $2.66 million Unbacked Noncurrent Loans $8.06 million Real Estate Owned $568,000 Profit Margin - Quarterly Net Interest Margin 6.7% Return on Assets 0.12% Return on Equity 1.1% Interest Income $22.55 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Midwest Bank had $28.2 million in non-current loans and owned real-estate with $61.52 million in equity and loan loss allowances on hand to cover it. This gives American Midwest Bank a Texas Ratio of 45.83% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Midwest Bank increased slightly from 30.64% as of December 31, 2010 to 45.83% as of December 31, 2011, resulting in a negative change of 49.58%. This indicates that the balance sheet and financial strength for American Midwest Bank has declined slightly in recent periods. Deposit Growth In the past year, American Midwest Bank has increased its total deposits by $254.33 million, resulting in 123.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Midwest Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Midwest Bank has $526.84 million in assets with $61.52 million in equity, resulting in a capitalization level of 11.68%, which is above average.