Midwest Bank of Western Illinois

Midwest Bank of Western Illinois is headquartered in Monmouth and is the 97^th largest bank in the state of Illinois. It is also the 1,582^nd largest bank in the nation. It was established in 1870 and as of March of 2012, it had grown to 90 employees at 8 locations. Midwest Bank of Western Illinois has a 5-star health rating.

Midwest Bank of Western Illinois Routing Number: 071102500

Data for Q1 2012

Institution Statistics Midwest Bank of Western Illinois FDIC Certificate # 3711 BankRate Report View Year Established 1870 Employees 90 Primary Regulator FED Assets and Liabilities Assets $422.11 million Loans $204.19 million Deposits $330.76 million Equity Capital $50.19 million Loan Loss Allowance $3.15 million Unbacked Noncurrent Loans $967,000 Real Estate Owned $1.53 million Historic Data - March 2011 Assets $398.35 million Equity Capital $45.14 million Loan Loss Allowance $3.19 million Unbacked Noncurrent Loans $4.28 million Real Estate Owned $2.97 million Profit Margin - Quarterly Net Interest Margin 3.19% Return on Assets 0.93% Return on Equity 7.87% Interest Income $3.86 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 Midwest Bank of Western Illinois had $2.49 million in non-current loans and owned real-estate with $53.34 million in equity and loan loss allowances on hand to cover it. This gives Midwest Bank of Western Illinois a Texas Ratio of 4.67% 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 Midwest Bank of Western Illinois decreased significantly from 14.99% as of March 31, 2011 to 4.67% as of March 31, 2012, resulting in a positive change of 68.84%.This indicates that the balance sheet and financial strength for Midwest Bank of Western Illinois has improved significantly in recent periods. Deposit Growth In the past year, Midwest Bank of Western Illinois has increased its total deposits by $27.96 million, resulting in 9.23% 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 Midwest Bank of Western Illinois 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. Midwest Bank of Western Illinois has $422.11 million in assets with $53.34 million in equity, resulting in a capitalization level of 12.64%, which is excellent.

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