SAFE & SOUND® STAR RATINGS

Financial statement

1ST EQUITY BANK NORTHWEST
1330 DUNDEE ROAD
BUFFALO GROVE, Illinois 60089

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




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$40,224$41,829$53,052
Loans Receivable, Net29,06830,58933,129
Mortgage-Backed Securities000
Investments000
Deposits32,08733,63443,313
Borrowings001,481
Equity8,0858,1418,174
Net Interest Income2581,0581,326
Fee Income142
Overhead3161,0961,224
Net Operating Income-56-339
Net Income-56-3310
Ratio Analysis Profitability%%%
Return on Assets *-0.17-0.070.02
Operating Return on Assets *-0.17-0.070.02
Return on Equity *-1.01-0.400.12
Net Interest Margin *2.632.582.93
Fee Income / Assets *0.010.010.00
Overhead / Assets *2.392.172.37
Efficiency Ratio121.54103.1091.75
Asset Quality%%%
Nonperforming Assets / Assets12.8912.399.38
Nonperforming Assets / Equity & Loss Reserves61.1060.6756.63
Loss Reserves / Nonperforming Loans14.6714.6725.12
1-4 Fam Mtg + MBS / Assets26.2825.5322.53
Commercial Real Estate Loans / Assets40.9743.2634.19
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.644.856.89
Consumer Loans / Assets0.380.450.03
Capitalization%%%
Equity / Assets20.1019.4615.41
Tangible Capital / Tangible Assets20.1019.4615.41
Risk-based Capital Ratio28.8427.6825.00
Liquidity%%%
Loans / Deposits90.5990.9576.49
Non-Interest Bearing Deposits / Deposits0.770.661.42
Purchased Liabilities7.198.7914.07

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