First National Bank Midwest

First National Bank Midwest is headquartered in Oskaloosa and is the 188^th largest bank in the state of Iowa. It is also the 4,916^st largest bank in the nation. It was established in 1937 and as of March of 2012, it had grown to 28 employees at 3 locations. First National Bank Midwest has a 4-star health rating.

First National Bank Midwest Routing Number: 073901288

Data for Q1 2012

Institution Statistics First National Bank Midwest FDIC Certificate # 15484 BankRate Report View Year Established 1937 Employees 28 Primary Regulator OCC Assets and Liabilities Assets $101.35 million Loans $63.79 million Deposits $88.98 million Equity Capital $11.54 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $2.85 million Real Estate Owned $5.60 million Historic Data - March 2011 Assets $97.75 million Equity Capital $10.96 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $5.51 million Real Estate Owned $5.52 million Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 1.6% Return on Equity 14.21% Interest Income $933,000

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 National Bank Midwest had $8.45 million in non-current loans and owned real-estate with $13.24 million in equity and loan loss allowances on hand to cover it. This gives First National Bank Midwest a Texas Ratio of 63.82% 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 First National Bank Midwest decreased slightly from 87.31% as of March 31, 2011 to 63.82% as of March 31, 2012, resulting in a positive change of 26.90%.This indicates that the balance sheet and financial strength for First National Bank Midwest has improved slightly in recent periods. Deposit Growth In the past year, First National Bank Midwest has increased its total deposits by $3.02 million, resulting in 3.52% 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 National Bank Midwest has shown is above 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 National Bank Midwest has $101.35 million in assets with $13.24 million in equity, resulting in a capitalization level of 13.06%, which is excellent.

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