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SAFE & SOUND® STAR RATINGS

1ST EQUITY BANK NORTHWEST

1330 DUNDEE ROAD
BUFFALO GROVE, Illinois 60089

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 3203996




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$36,489$40,974$41,829
Loans Receivable, Net27,15431,64630,589
Mortgage-Backed Securities000
Investments000
Deposits28,30432,85533,634
Borrowings000
Equity8,1138,0608,141
Net Interest Income1,1371,0421,058
Fee Income024
Overhead1,0891,1141,096
Net Operating Income53-81-33
Net Income53-81-33
Ratio Analysis Profitability%%%
Return on Assets *0.14-0.20-0.07
Operating Return on Assets *0.14-0.20-0.07
Return on Equity *0.66-1.00-0.40
Net Interest Margin *3.072.742.58
Fee Income / Assets *0.000.010.01
Overhead / Assets *2.772.812.17
Efficiency Ratio95.36103.34103.10
Asset Quality%%%
Nonperforming Assets / Assets7.5411.8112.39
Nonperforming Assets / Equity & Loss Reserves32.1657.3160.67
Loss Reserves / Nonperforming Loans15.897.9814.67
1-4 Fam Mtg + MBS / Assets28.6326.1525.53
Commercial Real Estate Loans / Assets42.1348.5143.26
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.453.184.85
Consumer Loans / Assets0.430.350.45
Capitalization%%%
Equity / Assets22.2319.6719.46
Tangible Capital / Tangible Assets22.2319.6719.46
Risk-based Capital Ratio33.2328.4727.68
Liquidity%%%
Loans / Deposits95.9496.3290.95
Non-Interest Bearing Deposits / Deposits1.341.510.66
Purchased Liabilities6.886.348.79

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