Midwest Bank is committed to serving the credit needs of the communities in which we operate. We believe adhering to the provisions of the Community Reinvestment Act (CRA) represents an excellent business practice and will allow Midwest Bank to grow and remain a vital source of credit within the neighborhoods we serve.

The CRA encourages depository institutions to help meet the credit needs of their communities, including low- and moderate-income neighborhoods, consistent with safe and sound banking operations. Under the provisions of the CRA, the Federal Reserve Bank regularly reviews each insured bank's record of community development efforts. Those records are considered when a bank applies for deposit facilities, including mergers and acquisitions.

Midwest Bank endorses the spirit of the CRA, and we take a proactive approach to helping meet the needs of creditworthy low and moderate-income areas and individuals.