Midland Community Bank

Midland Community Bank is headquartered in Kincaid and is the 488^th largest bank in the state of Illinois. It is also the 6,501^st largest bank in the nation. It was established in 1968 and as of March of 2012, it had grown to 12 employees at 2 locations. Midland Community Bank's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

Midland Community Bank Routing Number: 071108782

Midland Community Bank Checking Account Rates

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Data for Q1 2012

Institution Statistics Midland Community Bank FDIC Certificate # 19796 BankRate Report View Year Established 1968 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $45.32 million Loans $25.64 million Deposits $40.79 million Equity Capital $4.12 million Loan Loss Allowance $198,000 Historic Data - March 2011 Assets $43.06 million Equity Capital $3.71 million Loan Loss Allowance $169,000 Unbacked Noncurrent Loans $68,000 Real Estate Owned $557,000 Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 1.25% Return on Equity 13.91% Interest Income $468,000

Institution Health Overall Score: 5 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 Midland Community Bank had $0 in non-current loans and owned real-estate with $4.32 million in equity and loan loss allowances on hand to cover it. This gives Midland Community Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Midland Community Bank has increased its total deposits by $1.83 million, resulting in 4.69% 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 Midland Community Bank 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. Midland Community Bank has $45.32 million in assets with $4.32 million in equity, resulting in a capitalization level of 9.53%, which is average.

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