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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 September 30, 2014
Federal Reserve System Identifier 645157




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$105,323$105,118$104,998
Loans Receivable, Net80,16870,59564,790
Mortgage-Backed Securities000
Investments12,89312,95115,282
Deposits91,66595,79095,337
Borrowings4,08900
Equity9,3529,1909,537
Net Interest Income3,2203,9913,843
Fee Income405652738
Overhead1,9912,4932,464
Net Operating Income1,6872,0621,926
Net Income1,6872,0621,926
Ratio Analysis Profitability%%%
Return on Assets *2.132.031.96
Operating Return on Assets *2.132.031.96
Return on Equity *24.5423.7421.49
Net Interest Margin *4.394.264.23
Fee Income / Assets *0.530.640.75
Overhead / Assets *2.522.452.51
Efficiency Ratio52.8452.3253.39
Asset Quality%%%
Nonperforming Assets / Assets1.070.860.92
Nonperforming Assets / Equity & Loss Reserves11.189.029.46
Loss Reserves / Nonperforming Loans277.7491.35122.49
1-4 Fam Mtg + MBS / Assets13.8514.5713.74
Commercial Real Estate Loans / Assets3.623.263.62
Construction Loans / Assets1.100.850.53
Commercial & Industrial Loans / Assets16.7316.2115.31
Consumer Loans / Assets2.442.842.82
Capitalization%%%
Equity / Assets8.888.749.08
Tangible Capital / Tangible Assets8.888.749.08
Risk-based Capital Ratio12.1613.9614.95
Liquidity%%%
Loans / Deposits87.4673.7067.96
Non-Interest Bearing Deposits / Deposits20.0921.8918.07
Purchased Liabilities6.032.142.28

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