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Great Lakes Bank, National Association

Blue Island, IL · Cert 3610

FDIC · 7 branches

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Great Lakes Bank, National Association

Blue Island, IL · Cert 3610

FDIC · 7 branches

Q3 2014

$558.8MAssets
$240.6MLoans
$468.9MDeposits
$59.4MEquity
Loan mix
82%RE $159.2M18%C&I $34.1M0%Consumer $0.7MQ3 2013Q3 2014
Deposit mix
76%Interest-bearing $357.7M24%Noninterest $111.2MQ3 2013Q3 2014

NIM

3.52%Q3 ’123.19%Q3 ’133.12%Q3 ’14-8%+2%

Non-interest income vs. expense

3.02%Q3 ’122.75%Q3 ’133.00%Q3 ’14-20%+14%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.1% share · #66 of 226 inst. · $0.5B of $354.1B

0.2% Cook
0.5% Will

Executive Summary

  • Earnings: ROA of 0.70%, up 13 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.38%.
  • Funding: loans stand at 51.31% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.70%1+13 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+6 bps YoY

Efficiency Ratio (YTD, annualized)

85.14%+689 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.58%0.61%0.53%0.53%0.70%1+13 bps
Return on Equity5.78%6.12%5.33%5.23%6.88%+110 bps
Net Interest Margin2.90%2.92%2.95%2.95%2.96%+6 bps
Efficiency Ratio78.25%78.11%79.18%83.94%85.14%+689 bps
Non-Interest Burden2.14%2.12%2.22%2.39%2.44%+30 bps
Growth
Asset Growth (YoY)-4.40%-7.52%-5.38%-3.23%-4.23%+17 bps
Loan Growth (YoY)-7.63%-7.11%-4.98%4.36%1.24%+887 bps
Deposit Growth (YoY)-1.25%-3.84%-1.50%-1.43%-2.13%-87 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.29%0.21%0.28%0.26%0.38%+8 bps
Allowance / Loans3.46%3.46%3.44%3.16%3.14%-32 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital19.13%18.84%19.41%18.67%20.31%+118 bps
Equity / Assets9.98%9.65%10.18%10.46%10.64%+66 bps
Liquidity & Funding
Loans / Deposits49.60%49.23%47.63%52.02%51.31%+171 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a