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West Suburban Bank

Lombard, IL · Cert 18509

FDIC · 40 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Suburban Bank

Lombard, IL · Cert 18509

FDIC · 40 branches

Q3 2021

$2.9BAssets
$1.5BLoans
$2.6BDeposits
$243.7MEquity
Loan mix
59%RE $719.2M40%C&I $488.9M1%Consumer $10.1MQ3 2020Q3 2021
Deposit mix
85%Interest-bearing $2.2B15%Noninterest $0.4BQ3 2020Q3 2021

NIM

3.69%Q3 ’192.66%Q3 ’202.49%Q3 ’21-24%0%

Non-interest income vs. expense

2.53%Q3 ’192.26%Q3 ’201.96%Q3 ’21-25%-28%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2021 SOD (annual) · 0.5% share · #23 of 168 inst. · $2.6B of $568.2B

4.0% Dupage
2.1% Kane
0.9% Will
4.0% Kendall

Executive Summary

  • Earnings: ROA of 0.87%, up 46 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 1.52% of loans (-9 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 8.17%, down 36 bps from a year ago.
  • Funding: loans stand at 58.79% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.87%+46 bps YoY

Net Interest Margin (YTD, annualized)

2.34%-1 bps YoY

Efficiency Ratio (YTD, annualized)

62.54%-1,283 bps YoY

Tier 1 Leverage Ratio

8.17%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.41%0.43%1.41%1.02%0.87%+46 bps
Return on Equity4.52%4.86%16.98%12.36%10.50%+598 bps
Net Interest Margin2.35%2.27%2.30%2.26%2.34%-1 bps
Efficiency Ratio75.36%75.80%51.21%57.82%62.54%-1,283 bps
Non-Interest Burden1.61%1.58%0.33%0.89%1.17%-45 bps
Growth
Asset Growth (YoY)16.90%19.45%26.00%13.19%9.64%-726 bps
Loan Growth (YoY)19.59%20.82%21.86%7.55%6.78%-1,280 bps
Deposit Growth (YoY)18.09%20.00%27.01%11.24%9.90%-819 bps
Asset Quality
Nonperforming Loans / Loans1.61%1.94%1.63%1.48%1.52%-9 bps
Net Charge-Offs / Loans0.07%0.11%0.00%-0.02%-0.02%-9 bps
Allowance / Loans1.35%1.25%1.24%1.24%1.23%-11 bps
Allowance Coverage of NPLs0.8x0.6x0.8x0.8x0.8x0.0x
Capital
Tier 1 Leverage Ratio8.53%8.47%8.38%8.09%8.17%-36 bps
Total Risk-Based Capital15.23%14.89%14.46%13.84%13.55%-168 bps
Equity / Assets8.70%8.45%8.12%8.19%8.40%-31 bps
Liquidity & Funding
Loans / Deposits60.50%59.80%56.50%58.46%58.79%-172 bps
Liquid Assets / Assets18.36%22.89%28.66%30.56%30.19%+1,183 bps
CRE / Total Capitaln/an/an/an/an/an/an/a