Midstates Bank, National Association

Midstates Bank, National Association is headquartered in Council Bluffs and is the 40^th largest bank in the state of Iowa. It is also the 1,898^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 69 employees at 6 locations. Midstates Bank, National Association has a 5-star health rating.

Midstates Bank, National Association CD Rates

Data for Q1 2012

Institution Statistics Midstates Bank, National Association FDIC Certificate # 4465 BankRate Report View Year Established 1913 Employees 69 Primary Regulator OCC Assets and Liabilities Assets $346.49 million Loans $166.36 million Deposits $241.74 million Equity Capital $39.40 million Loan Loss Allowance $5.92 million Unbacked Noncurrent Loans $2.08 million Real Estate Owned $1.32 million Historic Data - March 2011 Assets $322.45 million Equity Capital $37.95 million Loan Loss Allowance $4.98 million Unbacked Noncurrent Loans $3.08 million Real Estate Owned $1.59 million Profit Margin - Quarterly Net Interest Margin 3.01% Return on Assets 1.59% Return on Equity 13.78% Interest Income $3.27 million

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 Midstates Bank, National Association had $3.4 million in non-current loans and owned real-estate with $45.32 million in equity and loan loss allowances on hand to cover it. This gives Midstates Bank, National Association a Texas Ratio of 7.50% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Midstates Bank, National Association decreased slightly from 10.91% as of March 31, 2011 to 7.50% as of March 31, 2012, resulting in a positive change of 31.20%.This indicates that the balance sheet and financial strength for Midstates Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Midstates Bank, National Association has increased its total deposits by $22.32 million, resulting in 10.17% 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 Midstates Bank, National Association 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. Midstates Bank, National Association has $346.49 million in assets with $45.32 million in equity, resulting in a capitalization level of 13.08%, which is excellent.

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