Community Bank of the Midwest

Community Bank of the Midwest is headquartered in Great Bend and is the 92^nd largest bank in the state of Kansas. It is also the 4,137^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 35 employees at 5 locations. Community Bank of the Midwest has a 4-star health rating.

Community Bank of the Midwest Routing Number: 101107860

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Data for Q1 2012

Institution Statistics Community Bank of the Midwest FDIC Certificate # 4646 BankRate Report View Year Established 1920 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $135.11 million Loans $72.91 million Deposits $124.62 million Equity Capital $10.00 million Loan Loss Allowance $859,000 Unbacked Noncurrent Loans $1.11 million Real Estate Owned $75,000 Historic Data - March 2011 Assets $112.52 million Equity Capital $9.21 million Loan Loss Allowance $757,000 Unbacked Noncurrent Loans $192,000 Real Estate Owned $98,000 Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.7% Return on Equity 9.4% Interest Income $1.18 million

Institution Health Overall Score: 4 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 March 31, 2012 Community Bank of the Midwest had $1.19 million in non-current loans and owned real-estate with $10.86 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of the Midwest a Texas Ratio of 10.92% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Bank of the Midwest increased slightly from 2.91% as of March 31, 2011 to 10.92% as of March 31, 2012, resulting in a negative change of 275.23%. This indicates that the balance sheet and financial strength for Community Bank of the Midwest has declined slightly in recent periods. Deposit Growth In the past year, Community Bank of the Midwest has increased its total deposits by $21.8 million, resulting in 21.21% 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 Community Bank of the Midwest 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. Community Bank of the Midwest has $135.11 million in assets with $10.86 million in equity, resulting in a capitalization level of 8.04%, which is average.

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