First Midwest Bank of the Ozarks in Piedmont, Missouri (MO)

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First Midwest Bank of the Ozarks
GeneralFDIC Certificate #: 1970
Status: Active
Federal Reserve ID: 575955
Bank Holding Company (Regulatory Top Holder): Midwest Bancorporation, Inc. And Affiliates Esop Trust (RSSDID: 2575230, Location: Poplar Bluff, MO)
Date Established: November 22, 1902
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 1325
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 01, 1934
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
LocationAddress: Highway 34 And Beckville Road, Piedmont, MO 63957
County: Wayne
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $113.3 mil
Equity capital: $10.6 mil
Deposits held in domestic offices: $95.7 mil
Return on assets (ROA): 0.78% ($0.9 mil)
Quarterly return on assets: 0.87% ($1.0 mil)
Return on Equity (ROE): 8.74% ($1.0 mil)
Quarterly return on equity: 9.48% ($1.0 mil)
Net income: $0.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.19% ($1,348.1 mil)
Quarterly Pretax return on assets: 1.14% ($1,291.4 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)
Total employees (full-time equivalent)29
Total assets$113,282
Cash and due from depository institutions$3,162
Interest-bearing balances$77
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$71,344
Loan loss allowance $923
Trading account assets$0
Bank premises and fixed assets$1,497
Other real estate owned$891
Goodwill and other intangibles$178
All other assets$4,118
Life insurance assets$113,282
Total liabilities and capital$102,640
Total liabilities$95,688
Total deposits$84,186
Interest-bearing deposits$95,688
Deposits held in domestic offices$91
% insured (estimated)2632.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,520
Other borrowed funds $0
Subordinated debt $800
All other liabilities $10,642
Total equity capital$10,642
Total bank equity capital$10,642
Perpetual preferred stock$0
Common stock$300
Undivided profits $7,102
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $690
Earning assets $0
Long-term assets (5+ years) $611
Average Assets, year-to-date $103,513
Average Assets, quarterly $34,167
Volatile liabilities $114,719
Insider loans $115,050
FHLB advances $79,378
Loans and leases held for sale $116,056
Unused loan commitments $2,748
Tier 1 (core) risk-based capital $1,876
Tier 2 risk-based capital $10,080
Total risk weighted assets $0
Total unused commitments $872
Restructured Loans and leases $7,126
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,115
Total interest expense $1,179
Net interest income $3,936
Provision for loan and lease losses $409
Total noninterest income $856
Fiduciary activities $0
Service charges on deposit accounts $461
Trading account gains & fees $0
Additional noninterest income $395
Total noninterest expense $3,108
Salaries and employee benefits $1,290
Premises and equipment expense $376
Additional noninterest expense $1,442
Pre-tax net operating income $1,275
Securities gains (losses) $93
Applicable income taxes $477
Income before extraordinary items $891
Extraordinary gains - net $0
Net income attributable to bank $891
Net charge-offs $0
Cash dividends $891
Sale, conversion, retirement of capital stock, net $490
Net operating income $264
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.89%
Cost of funding earning assets 1.13%
Net interest margin 3.76%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 2.97%
Net operating income to assets 0.72%
Return on assets (ROA) 0.78%
Pretax return on assets 1.19%
Return on equity (ROE) 8.74%
Retained earnings to average equity (YTD only) 6.15%
Net charge-offs to loans 0.69%
Credit loss provision to net charge-offs 83.47%
Efficiency ratio3.44%
Assets per employee$64,858
Cash dividends to net income (YTD only)3.91%
Condition Ratios (%)
Loss allowance to loans 29.63%
Loss allowance to noncurrent loans 1.28%
Noncurrent assets plus other real estate owned to assets 133.77%
Noncurrent loans to loans 1.40%
Net loans and leases to deposits0.95%
Net loans and leases to core deposits 74.56%
Equity capital to assets 81.25%
Core capital (leverage) ratio 9.39%
Tier 1 risk-based capital ratio 8.69%
Total risk-based capital ratio 12.70%
Average assets$14
Average earning assets$114,719
Average equity $10,194
Average loans $104,545
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4 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01325First Midwest Bank Of The OzarksHighway 34 And Beckville Road, Piedmont, MO 63957November 22, 1902Full Service Brick and Mortar
2190479Williamsville FacilityWhite Oak Street And Highway A, Williamsville, MO 63967June 14, 1979Full Service Brick and Mortar
37320First Midwest Bank Of Carter County201west John Street, Van Buren, MO 63965May 19, 1924Full Service Brick and Mortar
4506252Greenville Branch115 Front Street, Greenville, MO 63944January 19, 2010Full Service Brick and Mortar
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