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Pacific Global Bank

Chicago, IL · Cert 34089

FDIC · 3 branches

Q4 2019

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: Q4 2019, the quarter ended December 31, 2019, 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

Pacific Global Bank

Chicago, IL · Cert 34089

FDIC · 3 branches

Q4 2019

$219.9MAssets
$173.3MLoans
$193.7MDeposits
$24.6MEquity
Deposit mix
81%Interest-bearing $157.7M19%Noninterest $36.0MQ4 2018Q4 2019

NIM

4.55%Q4 ’174.71%Q4 ’184.80%Q4 ’19-2%-8%

Non-interest income vs. expense

2.56%Q4 ’172.64%Q4 ’182.57%Q4 ’19+0%+1%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.0% share · #101 of 180 inst. · $0.2B of $415.7B

Executive Summary

  • Earnings: ROA of 1.30%, down 16 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.17% of loans (-53 bps YoY), with net recoveries of 0.21%.
  • Capital: tier 1 leverage ratio of 11.01%, down 20 bps from a year ago.
  • Funding: loans stand at 89.43% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

1.30%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.53%-32 bps YoY

Efficiency Ratio (YTD, annualized)

63.93%+429 bps YoY

Tier 1 Leverage Ratio

11.01%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.46%1.22%1.41%1.38%1.30%-16 bps
Return on Equity13.28%11.15%12.90%12.49%11.74%-155 bps
Net Interest Margin3.84%3.79%3.58%3.58%3.53%-32 bps
Efficiency Ratio59.64%58.53%60.22%60.97%63.93%+429 bps
Non-Interest Burden2.06%2.07%2.01%1.98%2.08%+2 bps
Growth
Asset Growth (YoY)7.75%13.41%14.17%12.42%5.59%-216 bps
Loan Growth (YoY)8.78%9.97%8.73%5.78%6.47%-232 bps
Deposit Growth (YoY)6.57%12.71%13.69%11.80%5.65%-92 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.72%0.27%0.12%0.17%-53 bps
Net Charge-Offs / Loans0.16%-0.30%-0.29%-0.26%-0.21%-37 bps
Allowance / Loans1.47%1.51%1.33%1.33%1.31%-16 bps
Allowance Coverage of NPLs2.1x2.1x4.9x10.7x7.8x+5.7x
Capital
Tier 1 Leverage Ratio11.21%11.15%11.03%11.29%11.01%-20 bps
Total Risk-Based Capital22.72%22.47%22.78%23.34%23.02%+30 bps
Equity / Assets11.03%10.86%10.96%11.23%11.21%+18 bps
Liquidity & Funding
Loans / Deposits88.75%87.29%85.82%85.70%89.43%+68 bps
Liquid Assets / Assets3.91%5.76%6.40%5.99%6.92%+301 bps
CRE / Total Capitaln/an/an/an/an/an/an/a