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SAFE & SOUND® STAR RATINGS

1ST EQUITY BANK NORTHWEST

1330 DUNDEE ROAD
BUFFALO GROVE, Illinois 60089

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 3203996




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$40,974$41,829$53,052
Loans Receivable, Net31,64630,58933,129
Mortgage-Backed Securities000
Investments000
Deposits32,85533,63443,313
Borrowings001,481
Equity8,0608,1418,174
Net Interest Income1,0421,0581,326
Fee Income242
Overhead1,1141,0961,224
Net Operating Income-81-339
Net Income-81-3310
Ratio Analysis Profitability%%%
Return on Assets *-0.20-0.070.02
Operating Return on Assets *-0.20-0.070.02
Return on Equity *-1.00-0.400.12
Net Interest Margin *2.742.582.93
Fee Income / Assets *0.010.010.00
Overhead / Assets *2.812.172.37
Efficiency Ratio103.34103.1091.75
Asset Quality%%%
Nonperforming Assets / Assets11.8112.399.38
Nonperforming Assets / Equity & Loss Reserves57.3160.6756.63
Loss Reserves / Nonperforming Loans7.9814.6725.12
1-4 Fam Mtg + MBS / Assets26.1525.5322.53
Commercial Real Estate Loans / Assets48.5143.2634.19
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets3.184.856.89
Consumer Loans / Assets0.350.450.03
Capitalization%%%
Equity / Assets19.6719.4615.41
Tangible Capital / Tangible Assets19.6719.4615.41
Risk-based Capital Ratio28.4727.6825.00
Liquidity%%%
Loans / Deposits96.3290.9576.49
Non-Interest Bearing Deposits / Deposits1.510.661.42
Purchased Liabilities6.348.7914.07

* Calculations are based on the latest four quarters of income and expense.
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