First Midwest Bank of Dexter

First Midwest Bank of Dexter is headquartered in Dexter and is the 92^nd largest bank in the state of Missouri. It is also the 2,539^th largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 67 employees at 5 locations. First Midwest Bank of Dexter has a 4-star health rating.

First Midwest Bank of Dexter Routing Number: 081501175

Data for Q1 2012

Institution Statistics First Midwest Bank of Dexter FDIC Certificate # 19001 BankRate Report View Year Established 1964 Employees 67 Primary Regulator FDIC Assets and Liabilities Assets $254.36 million Loans $156.47 million Deposits $226.00 million Equity Capital $22.68 million Loan Loss Allowance $2.28 million Unbacked Noncurrent Loans $3.21 million Real Estate Owned $1.19 million Historic Data - March 2011 Assets $235.23 million Equity Capital $21.26 million Loan Loss Allowance $2.33 million Unbacked Noncurrent Loans $3.73 million Real Estate Owned $1.55 million Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 0.89% Return on Equity 9.96% Interest Income $2.45 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 First Midwest Bank of Dexter had $4.4 million in non-current loans and owned real-estate with $24.96 million in equity and loan loss allowances on hand to cover it. This gives First Midwest Bank of Dexter a Texas Ratio of 17.62% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Midwest Bank of Dexter decreased slightly from 22.39% as of March 31, 2011 to 17.62% as of March 31, 2012, resulting in a positive change of 21.29%.This indicates that the balance sheet and financial strength for First Midwest Bank of Dexter has improved slightly in recent periods. Deposit Growth In the past year, First Midwest Bank of Dexter has increased its total deposits by $15.02 million, resulting in 7.12% 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 First Midwest Bank of Dexter 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. First Midwest Bank of Dexter has $254.36 million in assets with $24.96 million in equity, resulting in a capitalization level of 9.81%, which is average.

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