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SAFE & SOUND® STAR RATINGS

BANK NORTHWEST

201 SOUTH DAVIS
HAMILTON, Missouri 64644

STAR RATING: 5 starstarstarstarstar
Predictive Indicator - (decline)
As of September 30, 2015
Federal Reserve System Identifier 645157




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$110,152$112,867$105,118
Loans Receivable, Net76,05577,85870,595
Mortgage-Backed Securities000
Investments14,59513,39012,951
Deposits99,960102,88295,790
Borrowings000
Equity9,8999,8599,190
Net Interest Income3,2244,3273,991
Fee Income393548652
Overhead2,0182,6442,493
Net Operating Income1,5272,2502,062
Net Income1,5272,2502,062
Ratio Analysis Profitability%%%
Return on Assets *1.892.142.03
Operating Return on Assets *1.892.142.03
Return on Equity *21.9224.5123.74
Net Interest Margin *4.214.434.26
Fee Income / Assets *0.490.520.64
Overhead / Assets *2.422.522.45
Efficiency Ratio55.2152.5852.32
Asset Quality%%%
Nonperforming Assets / Assets0.861.090.86
Nonperforming Assets / Equity & Loss Reserves8.8211.579.02
Loss Reserves / Nonperforming Loans262.99193.9991.35
1-4 Fam Mtg + MBS / Assets13.2612.4414.57
Commercial Real Estate Loans / Assets10.033.273.26
Construction Loans / Assets2.421.340.85
Commercial & Industrial Loans / Assets3.5915.7416.21
Consumer Loans / Assets2.552.212.84
Capitalization%%%
Equity / Assets8.998.748.74
Tangible Capital / Tangible Assets8.998.748.74
Risk-based Capital Ratio13.6412.8613.96
Liquidity%%%
Loans / Deposits76.0975.6873.70
Non-Interest Bearing Deposits / Deposits22.3421.7421.89
Purchased Liabilities2.131.702.14

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