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SAFE & SOUND® STAR RATINGS

1ST EQUITY BANK NORTHWEST

1330 DUNDEE ROAD
BUFFALO GROVE, Illinois 60089

STAR RATING: 3 starstarstar
Predictive Indicator - (decline)
As of March 31, 2015
Federal Reserve System Identifier 3203996




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$40,213$40,974$41,829
Loans Receivable, Net31,37031,64630,589
Mortgage-Backed Securities000
Investments000
Deposits32,03832,85533,634
Borrowings000
Equity8,0678,0608,141
Net Interest Income2611,0421,058
Fee Income124
Overhead2561,1141,096
Net Operating Income7-81-33
Net Income7-81-33
Ratio Analysis Profitability%%%
Return on Assets *-0.05-0.20-0.07
Operating Return on Assets *-0.05-0.20-0.07
Return on Equity *-0.22-1.00-0.40
Net Interest Margin *2.702.742.58
Fee Income / Assets *0.010.010.01
Overhead / Assets *2.662.812.17
Efficiency Ratio97.34103.34103.10
Asset Quality%%%
Nonperforming Assets / Assets11.2811.8112.39
Nonperforming Assets / Equity & Loss Reserves53.7857.3160.67
Loss Reserves / Nonperforming Loans8.187.9814.67
1-4 Fam Mtg + MBS / Assets24.5726.1525.53
Commercial Real Estate Loans / Assets50.0948.5143.26
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets3.923.184.85
Consumer Loans / Assets0.350.350.45
Capitalization%%%
Equity / Assets20.0619.6719.46
Tangible Capital / Tangible Assets20.0619.6719.46
Risk-based Capital Ratio28.6228.4727.68
Liquidity%%%
Loans / Deposits97.9196.3290.95
Non-Interest Bearing Deposits / Deposits1.691.510.66
Purchased Liabilities6.566.348.79

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