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SAFE & SOUND® STAR RATINGS

BANK NORTHWEST

201 SOUTH DAVIS
HAMILTON, Missouri 64644

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 645157




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$112,867$105,118$104,998
Loans Receivable, Net77,85870,59564,790
Mortgage-Backed Securities000
Investments13,39012,95115,282
Deposits102,88295,79095,337
Borrowings000
Equity9,8599,1909,537
Net Interest Income4,3273,9913,843
Fee Income548652738
Overhead2,6442,4932,464
Net Operating Income2,2502,0621,926
Net Income2,2502,0621,926
Ratio Analysis Profitability%%%
Return on Assets *2.142.031.96
Operating Return on Assets *2.142.031.96
Return on Equity *24.5123.7421.49
Net Interest Margin *4.434.264.23
Fee Income / Assets *0.520.640.75
Overhead / Assets *2.522.452.51
Efficiency Ratio52.5852.3253.39
Asset Quality%%%
Nonperforming Assets / Assets1.090.860.92
Nonperforming Assets / Equity & Loss Reserves11.579.029.46
Loss Reserves / Nonperforming Loans193.9991.35122.49
1-4 Fam Mtg + MBS / Assets12.4414.5713.74
Commercial Real Estate Loans / Assets3.273.263.62
Construction Loans / Assets1.340.850.53
Commercial & Industrial Loans / Assets15.7416.2115.31
Consumer Loans / Assets2.212.842.82
Capitalization%%%
Equity / Assets8.748.749.08
Tangible Capital / Tangible Assets8.748.749.08
Risk-based Capital Ratio12.8613.9614.95
Liquidity%%%
Loans / Deposits75.6873.7067.96
Non-Interest Bearing Deposits / Deposits21.7421.8918.07
Purchased Liabilities1.702.142.28

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