United Midwest Savings Bank

United Midwest Savings Bank Locations
101 South Main Street
DeGraff, OH 43318
800-626-2913
www.umwsb.com

United Midwest Savings Bank is headquartered in De Graff and is the 91st largest bank in the state of Ohio. It is also the 3,080th largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 77 employees at 5 locations. United Midwest Savings Bank has a 1-star health rating.

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Data for Q1 2012


Institution Statistics


United Midwest Savings Bank
OTS #08266
FDIC Certificate #32441
BankRate ReportView
Year Established1889
Employees77
Primary RegulatorOCC

Assets and Liabilities

Assets$203.13 million
Loans$163.14 million
Deposits$185.55 million
Equity Capital$16.30 million
Loan Loss Allowance$3.06 million
Unbacked Noncurrent Loans$14.30 million
Real Estate Owned$11.52 million

Historic Data - March 2011

Assets$219.13 million
Equity Capital$11.39 million
Loan Loss Allowance$3.41 million
Unbacked Noncurrent Loans$16.42 million
Real Estate Owned$7.36 million

Profit Margin - Quarterly

Net Interest Margin4.62%
Return on Assets-1.45%
Return on Equity-18.16%
Interest Income$2.52 million

Institution Health


Overall Score:
1 out of 5
1
Texas Ratio1
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 United Midwest Savings Bank had $25.82 million in non-current loans and owned real-estate with $19.36 million in equity and loan loss allowances on hand to cover it. This gives United Midwest Savings Bank a Texas Ratio of 133.31% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for United Midwest Savings Bank decreased slightly from 160.58% as of March 31, 2011 to 133.31% as of March 31, 2012, resulting in a positive change of 16.98%.This indicates that the balance sheet and financial strength for United Midwest Savings Bank has improved slightly in recent periods.
Deposit Growth1
In the past year, United Midwest Savings Bank has decreased its total deposits by -$19.19 million, resulting in -9.37% 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 United Midwest Savings Bank has shown is poor.
Capitalization3
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. United Midwest Savings Bank has $203.13 million in assets with $19.36 million in equity, resulting in a capitalization level of 9.53%, which is average.
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