PackageTrendsPeer
Letter portraitLegal landscape

Lake Federal Bank, FSB

Hammond, IN · Cert 30927

FDIC · 3 branches

Q2 2016

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: Q2 2016, the quarter ended June 30, 2016, 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

Lake Federal Bank, FSB

Hammond, IN · Cert 30927

FDIC · 3 branches

Q2 2016

$62.5MAssets
$46.5MLoans
$48.0MDeposits
$14.0MEquity
Loan mix
99%RE $45.1M0%C&I $0.0M1%Consumer $0.4MQ2 2015Q2 2016
Deposit mix
95%Interest-bearing $45.7M5%Noninterest $2.3MQ2 2015Q2 2016

NIM

3.35%Q2 ’143.33%Q2 ’153.36%Q2 ’16-1%+0%

Non-interest income vs. expense

2.77%Q2 ’142.83%Q2 ’154.49%Q2 ’16+1%+65%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.0% share · #175 of 208 inst. · $0.0B of $391.1B

Executive Summary

  • Earnings: ROA of -1.32%, down 158 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 22.02%, down 10 bps from a year ago.
  • Funding: loans stand at 96.86% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.32%-158 bps YoY

Net Interest Margin (YTD, annualized)

3.08%0 bps YoY

Efficiency Ratio (YTD, annualized)

140.45%+5,348 bps YoY

Tier 1 Leverage Ratio

22.02%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.26%0.18%0.18%-0.04%-1.32%-158 bps
Return on Equity1.20%0.80%0.83%-0.19%-5.92%-712 bps
Net Interest Margin3.08%3.09%3.08%3.05%3.08%0 bps
Efficiency Ratio86.97%90.93%89.49%99.61%140.45%+5,348 bps
Non-Interest Burden2.65%2.80%2.74%3.04%4.37%+172 bps
Growth
Asset Growth (YoY)-4.10%-2.56%-0.47%-0.84%-3.77%+33 bps
Loan Growth (YoY)-1.60%4.21%2.96%0.81%1.24%+284 bps
Deposit Growth (YoY)-6.37%-4.48%-1.08%4.86%2.31%+869 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.09%0.13%0.00%0.30%+24 bps
Allowance / Loans0.58%0.55%0.56%0.59%0.45%-14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio22.12%22.27%22.30%22.21%22.02%-10 bps
Total Risk-Based Capital47.58%46.69%43.02%47.50%47.87%+29 bps
Equity / Assets22.17%22.21%22.02%22.27%22.43%+26 bps
Liquidity & Funding
Loans / Deposits97.88%101.49%98.88%92.82%96.86%-103 bps
Liquid Assets / Assets17.40%15.30%16.74%17.14%15.76%-164 bps
CRE / Total Capitaln/an/an/an/an/an/an/a