First Midwest Bank of Dexter in Dexter, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Midwest Bank of Dexter in Dexter, Missouri (MO)
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First Midwest Bank of Dexter - Overview

  • General
  • FDIC Certificate #: 19001
    Status: Active
    Federal Reserve ID: 770853
    Bank Holding Company (Regulatory Top Holder): Midwest Bancorporation, Inc. And Affiliates Esop Trust (RSSDID: 2575230, Location: Poplar Bluff, MO)
    Date Established: January 15, 1964
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12464
    FDIC's unique #: 12843
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 15, 1964
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 20 West Stoddard Street, Dexter, MO 63841
    County: Stoddard
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $249.5 mil
    Equity capital: $22.5 mil
    Deposits held in domestic offices: $223.1 mil
    Return on assets (ROA): 0.84% ($2.1 mil)
    Quarterly return on assets: 0.67% ($1.7 mil)
    Return on Equity (ROE): 9.24% ($2.0 mil)
    Quarterly return on equity: 7.23% ($1.6 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.33% ($3,317.9 mil)
    Quarterly Pretax return on assets: 1.00% ($2,494.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 64Total employees (full-time equivalent)
  • $249,463Total assets
  • $16,279Cash and due from depository institutions
  • $6,194Interest-bearing balances
  • $60,113Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $157,407Net loans & leases
  • $2,349Loan loss allowance
  • $0Trading account assets
  • $7,896Bank premises and fixed assets
  • $1,284Other real estate owned
  • $0Goodwill and other intangibles
  • $249,463Life insurance assets
  • $6,484All other assets
  • $226,984Total liabilities and capital
  • $223,110Total liabilities
  • $185,752Total deposits
  • $223,110Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 2008.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,074Trading liabilities
  • $0Other borrowed funds
  • $792Subordinated debt
  • $22,479All other liabilities
  • $22,479Total equity capital
  • $22,479Total bank equity capital
  • $0Perpetual preferred stock
  • $275Common stock
  • $5,220Surplus
  • $16,984Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,555Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,250Income earned, not collected on loans
  • $0Earning assets
  • $1,120Long-term assets (5+ years)
  • $223,714Average Assets, year-to-date
  • $61,841Average Assets, quarterly
  • $240,048Volatile liabilities
  • $243,557Insider loans
  • $178,206FHLB advances
  • $243,193Loans and leases held for sale
  • $2,639Unused loan commitments
  • $968Tier 1 (core) risk-based capital
  • $22,201Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,671Total unused commitments
  • $22,861Restructured Loans and leases
  • $952Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,169Total interest income
  • $2,322Total interest expense
  • $7,847Net interest income
  • $765Provision for loan and lease losses
  • $1,937Total noninterest income
  • $0Fiduciary activities
  • $633Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,304Additional noninterest income
  • $6,091Total noninterest expense
  • $3,106Salaries and employee benefits
  • $692Premises and equipment expense
  • $2,293Additional noninterest expense
  • $2,928Pre-tax net operating income
  • $264Securities gains (losses)
  • $1,170Applicable income taxes
  • $2,022Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,022Net income attributable to bank
  • $0Net charge-offs
  • $2,022Cash dividends
  • $677Sale, conversion, retirement of capital stock, net
  • $741Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 9.24%Return on equity (ROE)
  • 5.86%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 113.00%Credit loss provision to net charge-offs
  • 5.45%Efficiency ratio
  • 62,255Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.65%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 72.28%Noncurrent assets plus other real estate owned to assets
  • 1.82%Noncurrent loans to loans
  • 2.03%Net loans and leases to deposits
  • 70.55%Net loans and leases to core deposits
  • 78.86%Equity capital to assets
  • 9.01%Core capital (leverage) ratio
  • 9.13%Tier 1 risk-based capital ratio
  • 12.46%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $240,048Average earning assets
  • $21,876Average equity
  • $218,016Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012843First Midwest Bank Of Dexter20 West Stoddard Street, Dexter, MO 63841January 15, 1964Full Service Brick and Mortar
    1247035Dexter Branch819 Bus 60 West, Dexter, MO 63841December 10, 1979Limited Service Facility
    2243007Detached Branch12062 Center Street, Dudley, MO 63936June 13, 1977Limited Service Facility
    3247036Sikeston Branch630 North Main, Sikeston, MO 63801August 12, 1991Full Service Brick and Mortar
    4425216Jackson Branch2319 East Jackson Boulevard, Jackson, MO 63755September 02, 2003Full Service Brick and Mortar

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