Midwest BankCentre

Midwest BankCentre is headquartered in Lemay and is the 21^st largest bank in the state of Missouri. It is also the 620^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 189 employees at 7 locations. Midwest BankCentre has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Midwest BankCentre FDIC Certificate # 1058 BankRate Report View Year Established 1906 Employees 189 Primary Regulator FED Assets and Liabilities Assets $1.07 billion Loans $712.18 million Deposits $842.95 million Equity Capital $119.09 million Loan Loss Allowance $12.13 million Unbacked Noncurrent Loans $10.54 million Real Estate Owned $1.40 million Historic Data - March 2011 Assets $1.08 billion Equity Capital $113.40 million Loan Loss Allowance $11.92 million Unbacked Noncurrent Loans $14.82 million Real Estate Owned $252,000 Profit Margin - Quarterly Net Interest Margin 3.08% Return on Assets 0.66% Return on Equity 5.96% Interest Income $9.70 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 BankCentre had $11.94 million in non-current loans and owned real-estate with $131.22 million in equity and loan loss allowances on hand to cover it. This gives Midwest BankCentre a Texas Ratio of 9.10% 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 Midwest BankCentre decreased slightly from 12.02% as of March 31, 2011 to 9.10% as of March 31, 2012, resulting in a positive change of 24.34%.This indicates that the balance sheet and financial strength for Midwest BankCentre has improved slightly in recent periods. Deposit Growth In the past year, Midwest BankCentre has increased its total deposits by $70.68 million, resulting in 9.15% 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 BankCentre 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 BankCentre has $1.07 billion in assets with $131.22 million in equity, resulting in a capitalization level of 12.30%, which is excellent.

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