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SAFE & SOUND® STAR RATINGS

BANK NORTHWEST

201 SOUTH DAVIS
HAMILTON, Missouri 64644

STAR RATING: 1 star
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 645157




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$111,775$112,867$105,118
Loans Receivable, Net75,96077,85870,595
Mortgage-Backed Securities000
Investments14,12313,39012,951
Deposits102,489102,88295,790
Borrowings000
Equity9,1399,8599,190
Net Interest Income1,0304,3273,991
Fee Income128548652
Overhead6722,6442,493
Net Operating Income4382,2502,062
Net Income4382,2502,062
Ratio Analysis Profitability%%%
Return on Assets *1.992.142.03
Operating Return on Assets *1.992.142.03
Return on Equity *22.9624.5123.74
Net Interest Margin *4.344.434.26
Fee Income / Assets *0.510.520.64
Overhead / Assets *2.532.522.45
Efficiency Ratio57.1952.5852.32
Asset Quality%%%
Nonperforming Assets / Assets0.751.090.86
Nonperforming Assets / Equity & Loss Reserves8.4211.579.02
Loss Reserves / Nonperforming Loans235.17193.9991.35
1-4 Fam Mtg + MBS / Assets12.5112.4414.57
Commercial Real Estate Loans / Assets3.253.273.26
Construction Loans / Assets1.001.340.85
Commercial & Industrial Loans / Assets15.2715.7416.21
Consumer Loans / Assets2.272.212.84
Capitalization%%%
Equity / Assets8.188.748.74
Tangible Capital / Tangible Assets8.188.748.74
Risk-based Capital Ratio5.0112.8613.96
Liquidity%%%
Loans / Deposits74.1275.6873.70
Non-Interest Bearing Deposits / Deposits23.0621.7421.89
Purchased Liabilities1.721.702.14

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