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 December 31, 2013
Federal Reserve System Identifier 3203996




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$41,829$53,052$50,600
Loans Receivable, Net30,58933,12941,546
Mortgage-Backed Securities000
Investments000
Deposits33,63443,31337,723
Borrowings01,4814,599
Equity8,1418,1748,184
Net Interest Income1,0581,3261,528
Fee Income422
Overhead1,0961,224993
Net Operating Income-339102
Net Income-3310104
Ratio Analysis Profitability%%%
Return on Assets *-0.070.020.19
Operating Return on Assets *-0.070.020.19
Return on Equity *-0.400.121.24
Net Interest Margin *2.582.933.06
Fee Income / Assets *0.010.000.00
Overhead / Assets *2.172.371.88
Efficiency Ratio103.1091.7563.98
Asset Quality%%%
Nonperforming Assets / Assets12.399.380.42
Nonperforming Assets / Equity & Loss Reserves60.6756.632.39
Loss Reserves / Nonperforming Loans14.6725.121.64
1-4 Fam Mtg + MBS / Assets25.5322.5327.31
Commercial Real Estate Loans / Assets43.2634.1947.55
Construction Loans / Assets0.000.000.64
Commercial & Industrial Loans / Assets4.856.897.94
Consumer Loans / Assets0.450.030.03
Capitalization%%%
Equity / Assets19.4615.4116.17
Tangible Capital / Tangible Assets19.4615.4116.17
Risk-based Capital Ratio27.6825.0027.38
Liquidity%%%
Loans / Deposits90.9576.49110.13
Non-Interest Bearing Deposits / Deposits0.661.422.18
Purchased Liabilities8.7914.0744.15

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