First Midwest Bank

First Midwest Bank is headquartered in Itasca and is the 6^th largest bank in the state of Illinois. It is also the 128^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 1,734 employees at 100 locations. First Midwest Bank's savings rates are 15% higher than the national average, and it has a 4-star health rating.

First Midwest Bank Routing Number: 071925923

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Data for Q1 2012

Institution Statistics First Midwest Bank FDIC Certificate # 3709 BankRate Report View Year Established 1933 Employees 1734 Primary Regulator FED Assets and Liabilities Assets $7.86 billion Loans $5.24 billion Deposits $6.52 billion Equity Capital $1.08 billion Loan Loss Allowance $113.87 million Unbacked Noncurrent Loans $205.60 million Real Estate Owned $30.79 million Historic Data - March 2011 Assets $7.89 billion Equity Capital $1.05 billion Loan Loss Allowance $138.85 million Unbacked Noncurrent Loans $209.75 million Real Estate Owned $29.13 million Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets 0.71% Return on Equity 5.2% Interest Income $75.18 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 First Midwest Bank had $236.39 million in non-current loans and owned real-estate with $1.19 billion in equity and loan loss allowances on hand to cover it. This gives First Midwest Bank a Texas Ratio of 19.81% 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 held steady from 20.07% as of March 31, 2011 to 19.81% as of March 31, 2012, resulting in a positive change of 1.30%.This indicates that the balance sheet and financial strength for First Midwest Bank has held steady in recent periods. Deposit Growth In the past year, First Midwest Bank has increased its total deposits by $53.16 million, resulting in 0.82% 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 has shown is 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 has $7.86 billion in assets with $1.19 billion in equity, resulting in a capitalization level of 15.19%, which is excellent.

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