SAFE & SOUND® STAR RATINGS

Financial statement

BANK NORTHWEST
201 SOUTH DAVIS
HAMILTON, Missouri 64644

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 645157




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$103,365$105,118$104,998
Loans Receivable, Net77,38570,59564,790
Mortgage-Backed Securities000
Investments12,96612,95115,282
Deposits93,26695,79095,337
Borrowings1,00000
Equity8,9129,1909,537
Net Interest Income2,0863,9913,843
Fee Income260652738
Overhead1,2992,4932,464
Net Operating Income1,1372,0621,926
Net Income1,1372,0621,926
Ratio Analysis Profitability%%%
Return on Assets *2.192.031.96
Operating Return on Assets *2.192.031.96
Return on Equity *25.1423.7421.49
Net Interest Margin *4.404.264.23
Fee Income / Assets *0.560.640.75
Overhead / Assets *2.492.452.51
Efficiency Ratio52.3652.3253.39
Asset Quality%%%
Nonperforming Assets / Assets1.200.860.92
Nonperforming Assets / Equity & Loss Reserves12.929.029.46
Loss Reserves / Nonperforming Loans139.5791.35122.49
1-4 Fam Mtg + MBS / Assets14.4214.5713.74
Commercial Real Estate Loans / Assets3.973.263.62
Construction Loans / Assets1.060.850.53
Commercial & Industrial Loans / Assets16.4716.2115.31
Consumer Loans / Assets2.572.842.82
Capitalization%%%
Equity / Assets8.628.749.08
Tangible Capital / Tangible Assets8.628.749.08
Risk-based Capital Ratio12.2813.9614.95
Liquidity%%%
Loans / Deposits82.9773.7067.96
Non-Interest Bearing Deposits / Deposits20.7221.8918.07
Purchased Liabilities3.152.142.28

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