Mid America Bank

Mid America Bank is headquartered in Linn and is the 83^rd largest bank in the state of Missouri. It is also the 2,381^st largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 79 employees at 5 locations. Mid America Bank's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Mid America Bank FDIC Certificate # 11459 BankRate Report View Year Established 1914 Employees 79 Primary Regulator FDIC Assets and Liabilities Assets $271.38 million Loans $214.13 million Deposits $248.50 million Equity Capital $22.19 million Loan Loss Allowance $2.57 million Unbacked Noncurrent Loans $713,000 Real Estate Owned $1.91 million Historic Data - March 2011 Assets $248.35 million Equity Capital $19.17 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $1.08 million Real Estate Owned $2.01 million Profit Margin - Quarterly Net Interest Margin 4.39% Return on Assets 1.31% Return on Equity 15.96% Interest Income $3.12 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 Mid America Bank had $2.62 million in non-current loans and owned real-estate with $24.76 million in equity and loan loss allowances on hand to cover it. This gives Mid America Bank a Texas Ratio of 10.58% 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 Mid America Bank decreased slightly from 14.74% as of March 31, 2011 to 10.58% as of March 31, 2012, resulting in a positive change of 28.21%.This indicates that the balance sheet and financial strength for Mid America Bank has improved slightly in recent periods. Deposit Growth In the past year, Mid America Bank has increased its total deposits by $20.58 million, resulting in 9.03% 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 Mid America Bank 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. Mid America Bank has $271.38 million in assets with $24.76 million in equity, resulting in a capitalization level of 9.12%, which is average.

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