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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, 2015
Federal Reserve System Identifier 645157




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$114,743$112,867$105,118
Loans Receivable, Net79,23677,85870,595
Mortgage-Backed Securities000
Investments14,51413,39012,951
Deposits104,129102,88295,790
Borrowings000
Equity10,4159,8599,190
Net Interest Income4,2674,3273,991
Fee Income544548652
Overhead2,6732,6442,493
Net Operating Income2,0632,2502,062
Net Income2,0632,2502,062
Ratio Analysis Profitability%%%
Return on Assets *1.852.142.03
Operating Return on Assets *1.852.142.03
Return on Equity *21.3324.5123.74
Net Interest Margin *4.124.434.26
Fee Income / Assets *0.490.520.64
Overhead / Assets *2.402.522.45
Efficiency Ratio55.1652.5852.32
Asset Quality%%%
Nonperforming Assets / Assets1.171.090.86
Nonperforming Assets / Equity & Loss Reserves12.0111.579.02
Loss Reserves / Nonperforming Loans80.89193.9991.35
1-4 Fam Mtg + MBS / Assets12.9812.4414.57
Commercial Real Estate Loans / Assets9.403.273.26
Construction Loans / Assets2.191.340.85
Commercial & Industrial Loans / Assets3.4615.7416.21
Consumer Loans / Assets2.322.212.84
Capitalization%%%
Equity / Assets9.088.748.74
Tangible Capital / Tangible Assets9.088.748.74
Risk-based Capital Ratio13.8012.8613.96
Liquidity%%%
Loans / Deposits76.0975.6873.70
Non-Interest Bearing Deposits / Deposits22.0821.7421.89
Purchased Liabilities2.581.702.14

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