Mid-America Bank

Mid-America Bank is headquartered in Baldwin City and is the 196^th largest bank in the state of Kansas. It is also the 5,994^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 16 employees at 2 locations. Mid-America Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Mid-America Bank FDIC Certificate # 17374 BankRate Report View Year Established 1900 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $62.71 million Loans $44.49 million Deposits $52.95 million Equity Capital $6.00 million Loan Loss Allowance $1.37 million Unbacked Noncurrent Loans $50,000 Real Estate Owned $718,000 Historic Data - March 2011 Assets $56.42 million Equity Capital $5.37 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $400,000 Real Estate Owned $216,000 Profit Margin - Quarterly Net Interest Margin 5.04% Return on Assets 2.15% Return on Equity 22.49% Interest Income $896,000

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 Mid-America Bank had $768,000 in non-current loans and owned real-estate with $7.37 million in equity and loan loss allowances on hand to cover it. This gives Mid-America Bank a Texas Ratio of 10.42% 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 held steady from 9.28% as of March 31, 2011 to 10.42% as of March 31, 2012, resulting in a negative change of 12.36%. This indicates that the balance sheet and financial strength for Mid-America Bank has held steady in recent periods. Deposit Growth In the past year, Mid-America Bank has increased its total deposits by $6.68 million, resulting in 14.44% 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 $62.71 million in assets with $7.37 million in equity, resulting in a capitalization level of 11.75%, which is above average.

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