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


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

  • General
  • FDIC 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
    WWW: http://www.fmbozarks.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 29Total employees (full-time equivalent)
  • $113,282Total assets
  • $3,162Cash and due from depository institutions
  • $77Interest-bearing balances
  • $32,092Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,344Net loans & leases
  • $923Loan loss allowance
  • $0Trading account assets
  • $1,497Bank premises and fixed assets
  • $891Other real estate owned
  • $178Goodwill and other intangibles
  • $113,282Life insurance assets
  • $4,118All other assets
  • $102,640Total liabilities and capital
  • $95,688Total liabilities
  • $84,186Total deposits
  • $95,688Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 2632.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,520Trading liabilities
  • $0Other borrowed funds
  • $800Subordinated debt
  • $10,642All other liabilities
  • $10,642Total equity capital
  • $10,642Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $3,240Surplus
  • $7,102Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $690Income earned, not collected on loans
  • $0Earning assets
  • $611Long-term assets (5+ years)
  • $103,513Average Assets, year-to-date
  • $34,167Average Assets, quarterly
  • $114,719Volatile liabilities
  • $115,050Insider loans
  • $79,378FHLB advances
  • $116,056Loans and leases held for sale
  • $2,748Unused loan commitments
  • $1,876Tier 1 (core) risk-based capital
  • $10,080Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $872Total unused commitments
  • $7,126Restructured Loans and leases
  • $2,181Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,115Total interest income
  • $1,179Total interest expense
  • $3,936Net interest income
  • $409Provision for loan and lease losses
  • $856Total noninterest income
  • $0Fiduciary activities
  • $461Service charges on deposit accounts
  • $0Trading account gains & fees
  • $395Additional noninterest income
  • $3,108Total noninterest expense
  • $1,290Salaries and employee benefits
  • $376Premises and equipment expense
  • $1,442Additional noninterest expense
  • $1,275Pre-tax net operating income
  • $93Securities gains (losses)
  • $477Applicable income taxes
  • $891Income before extraordinary items
  • $0Extraordinary gains - net
  • $891Net income attributable to bank
  • $0Net charge-offs
  • $891Cash dividends
  • $490Sale, conversion, retirement of capital stock, net
  • $264Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 8.74%Return on equity (ROE)
  • 6.15%Retained earnings to average equity (YTD only)
  • 0.69%Net charge-offs to loans
  • 83.47%Credit loss provision to net charge-offs
  • 3.44%Efficiency ratio
  • 64,858Assets per employee
  • 3.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.63%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 133.77%Noncurrent assets plus other real estate owned to assets
  • 1.40%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 74.56%Net loans and leases to core deposits
  • 81.25%Equity capital to assets
  • 9.39%Core capital (leverage) ratio
  • 8.69%Tier 1 risk-based capital ratio
  • 12.70%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $114,719Average earning assets
  • $10,194Average equity
  • $104,545Average loans

List of branches

  • 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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