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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 March 31, 2016
Federal Reserve System Identifier 3203996




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$36,327$36,489$40,974
Loans Receivable, Net26,41427,15431,646
Mortgage-Backed Securities000
Investments000
Deposits28,12928,30432,855
Borrowings000
Equity8,1218,1138,060
Net Interest Income2541,1371,042
Fee Income002
Overhead2461,0891,114
Net Operating Income853-81
Net Income853-81
Ratio Analysis Profitability%%%
Return on Assets *0.140.14-0.20
Operating Return on Assets *0.140.14-0.20
Return on Equity *0.670.66-1.00
Net Interest Margin *3.153.072.74
Fee Income / Assets *0.000.000.01
Overhead / Assets *2.832.772.81
Efficiency Ratio96.8595.36103.34
Asset Quality%%%
Nonperforming Assets / Assets2.557.5411.81
Nonperforming Assets / Equity & Loss Reserves10.9232.1657.31
Loss Reserves / Nonperforming Loans120.2715.897.98
1-4 Fam Mtg + MBS / Assets22.0228.6326.15
Commercial Real Estate Loans / Assets46.8742.1348.51
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.394.453.18
Consumer Loans / Assets0.420.430.35
Capitalization%%%
Equity / Assets22.3622.2319.67
Tangible Capital / Tangible Assets22.3622.2319.67
Risk-based Capital Ratio33.6633.2328.47
Liquidity%%%
Loans / Deposits93.9095.9496.32
Non-Interest Bearing Deposits / Deposits1.411.341.51
Purchased Liabilities6.886.886.34

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