SAFE & SOUND® STAR RATINGS

Financial statement

BANK NORTHWEST
201 SOUTH DAVIS
HAMILTON, Missouri 64644

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




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$105,302$105,118$104,998
Loans Receivable, Net72,70070,59564,790
Mortgage-Backed Securities000
Investments12,89912,95115,282
Deposits96,57395,79095,337
Borrowings000
Equity8,5959,1909,537
Net Interest Income1,0063,9913,843
Fee Income126652738
Overhead6042,4932,464
Net Operating Income5492,0621,926
Net Income5492,0621,926
Ratio Analysis Profitability%%%
Return on Assets *2.082.031.96
Operating Return on Assets *2.082.031.96
Return on Equity *24.2623.7421.49
Net Interest Margin *4.364.264.23
Fee Income / Assets *0.600.640.75
Overhead / Assets *2.452.452.51
Efficiency Ratio52.3952.3253.39
Asset Quality%%%
Nonperforming Assets / Assets0.950.860.92
Nonperforming Assets / Equity & Loss Reserves10.799.029.46
Loss Reserves / Nonperforming Loans103.7791.35122.49
1-4 Fam Mtg + MBS / Assets14.1714.5713.74
Commercial Real Estate Loans / Assets3.683.263.62
Construction Loans / Assets0.890.850.53
Commercial & Industrial Loans / Assets17.1316.2115.31
Consumer Loans / Assets2.752.842.82
Capitalization%%%
Equity / Assets8.168.749.08
Tangible Capital / Tangible Assets8.168.749.08
Risk-based Capital Ratio12.5513.9614.95
Liquidity%%%
Loans / Deposits75.2873.7067.96
Non-Interest Bearing Deposits / Deposits22.0921.8918.07
Purchased Liabilities2.152.142.28

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