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 September 30, 2014
Federal Reserve System Identifier 3203996




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$39,946$41,829$53,052
Loans Receivable, Net30,72330,58933,129
Mortgage-Backed Securities000
Investments000
Deposits31,82833,63443,313
Borrowings001,481
Equity8,0558,1418,174
Net Interest Income7741,0581,326
Fee Income142
Overhead8651,0961,224
Net Operating Income-86-339
Net Income-86-3310
Ratio Analysis Profitability%%%
Return on Assets *-0.28-0.070.02
Operating Return on Assets *-0.28-0.070.02
Return on Equity *-1.50-0.400.12
Net Interest Margin *2.722.582.93
Fee Income / Assets *0.000.010.00
Overhead / Assets *2.742.172.37
Efficiency Ratio111.04103.1091.75
Asset Quality%%%
Nonperforming Assets / Assets12.0212.399.38
Nonperforming Assets / Equity & Loss Reserves57.0160.6756.63
Loss Reserves / Nonperforming Loans7.5814.6725.12
1-4 Fam Mtg + MBS / Assets26.0825.5322.53
Commercial Real Estate Loans / Assets48.0443.2634.19
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets3.354.856.89
Consumer Loans / Assets0.370.450.03
Capitalization%%%
Equity / Assets20.1619.4615.41
Tangible Capital / Tangible Assets20.1619.4615.41
Risk-based Capital Ratio29.1527.6825.00
Liquidity%%%
Loans / Deposits96.5390.9576.49
Non-Interest Bearing Deposits / Deposits0.940.661.42
Purchased Liabilities6.418.7914.07

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