Midwest Federal Savings and Loan Association of St Joseph

Midwest Federal Savings and Loan Association of St Joseph is headquartered in Saint Joseph and is the 305^th largest bank in the state of Missouri. It is also the 6,811^st largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 10 employees at 2 locations. Midwest Federal Savings and Loan Association of St Joseph has a 5-star health rating.

Data for Q1 2012

Institution Statistics Midwest Federal Savings and Loan Association of St Joseph OTS # 02248 FDIC Certificate # 28731 BankRate Report View Year Established 1923 Employees 10 Primary Regulator OCC Assets and Liabilities Assets $35.25 million Loans $20.66 million Deposits $28.89 million Equity Capital $6.30 million Loan Loss Allowance $138,000 Historic Data - March 2011 Assets $34.33 million Equity Capital $6.48 million Loan Loss Allowance $103,000 Profit Margin - Quarterly Net Interest Margin 2.83% Return on Assets -0.3% Return on Equity -1.65% Interest Income $328,000

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 Midwest Federal Savings and Loan Association of St Joseph had $0 in non-current loans and owned real-estate with $6.44 million in equity and loan loss allowances on hand to cover it. This gives Midwest Federal Savings and Loan Association of St Joseph 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, Midwest Federal Savings and Loan Association of St Joseph has increased its total deposits by $1.09 million, resulting in 3.92% 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 Federal Savings and Loan Association of St Joseph 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. Midwest Federal Savings and Loan Association of St Joseph has $35.24 million in assets with $6.44 million in equity, resulting in a capitalization level of 18.27%, which is excellent.

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