First Midwest Bank of the Ozarks

First Midwest Bank of the Ozarks is headquartered in Piedmont and is the 179^th largest bank in the state of Missouri. It is also the 4,572^nd largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 30 employees at 4 locations. First Midwest Bank of the Ozarks has a 3-star health rating.

First Midwest Bank of the Ozarks Routing Number: 081504693

Data for Q1 2012

Institution Statistics First Midwest Bank of the Ozarks FDIC Certificate # 1970 BankRate Report View Year Established 1902 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $115.32 million Loans $70.91 million Deposits $99.39 million Equity Capital $10.81 million Loan Loss Allowance $705,000 Unbacked Noncurrent Loans $1.52 million Real Estate Owned $849,000 Historic Data - March 2011 Assets $115.99 million Equity Capital $9.92 million Loan Loss Allowance $1.00 million Unbacked Noncurrent Loans $1.43 million Real Estate Owned $135,000 Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 0.86% Return on Equity 9.14% Interest Income $1.20 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 March 31, 2012 First Midwest Bank of the Ozarks had $2.37 million in non-current loans and owned real-estate with $11.52 million in equity and loan loss allowances on hand to cover it. This gives First Midwest Bank of the Ozarks a Texas Ratio of 20.55% 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 the Ozarks increased slightly from 14.33% as of March 31, 2011 to 20.55% as of March 31, 2012, resulting in a negative change of 43.41%. This indicates that the balance sheet and financial strength for First Midwest Bank of the Ozarks has declined slightly in recent periods. Deposit Growth In the past year, First Midwest Bank of the Ozarks has decreased its total deposits by -$3.28 million, resulting in -3.2% 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 the Ozarks has shown is below average. 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 the Ozarks has $115.32 million in assets with $11.52 million in equity, resulting in a capitalization level of 9.99%, which is average.

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