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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 March 31, 2016
Federal Reserve System Identifier 645157




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$117,936$114,743$112,867
Loans Receivable, Net80,68379,23677,858
Mortgage-Backed Securities000
Investments15,03414,51413,390
Deposits108,019104,129102,882
Borrowings000
Equity9,70210,4159,859
Net Interest Income1,1374,2674,327
Fee Income110544548
Overhead6652,6732,644
Net Operating Income5752,0632,250
Net Income5752,0632,250
Ratio Analysis Profitability%%%
Return on Assets *1.961.852.14
Operating Return on Assets *1.961.852.14
Return on Equity *22.4221.3324.51
Net Interest Margin *4.164.124.43
Fee Income / Assets *0.470.490.52
Overhead / Assets *2.372.402.52
Efficiency Ratio51.7555.1652.58
Asset Quality%%%
Nonperforming Assets / Assets0.711.171.09
Nonperforming Assets / Equity & Loss Reserves7.9712.0111.57
Loss Reserves / Nonperforming Loans118.3580.89193.99
1-4 Fam Mtg + MBS / Assets12.2112.9812.44
Commercial Real Estate Loans / Assets9.009.403.27
Construction Loans / Assets2.332.191.34
Commercial & Industrial Loans / Assets3.343.4615.74
Consumer Loans / Assets2.262.322.21
Capitalization%%%
Equity / Assets8.239.088.74
Tangible Capital / Tangible Assets8.239.088.74
Risk-based Capital Ratio12.5613.8012.86
Liquidity%%%
Loans / Deposits74.6976.0975.68
Non-Interest Bearing Deposits / Deposits22.0722.0821.74
Purchased Liabilities2.082.581.70

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