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

Deposit mix

NIM

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

Earnings: ROA of 1.05%, up 34 bps year over year; NIM at 2.88%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.58%.
Funding: loans stand at 51.31% of deposits as of Q3 2014.

Return on Assets (quarter, annualized)

1.05%¹+34 bps YoY

Net Interest Margin (quarter, annualized)

2.88%+4 bps YoY

Efficiency Ratio (quarter, annualized)

87.62%+1,059 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	0.72%	0.70%	0.53%	0.53%¹	1.05%¹	+34 bps
Return on Equity	7.27%	7.14%	5.33%	5.12%	10.00%	+272 bps
Net Interest Margin	2.84%	2.93%	2.95%	2.96%	2.88%	+4 bps
Efficiency Ratio	77.03%	77.74%	79.18%	88.66%	87.62%	+1,059 bps
Non-Interest Burden	2.00%	2.03%	2.22%	2.57%	2.45%	+45 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.11%	-0.02%	0.28%	0.26%	0.58%	+47 bps
Allowance / Loans	3.46%	3.46%	3.44%	3.16%	3.14%	-32 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	19.13%	18.84%	19.41%	18.67%	20.31%	+118 bps
Equity / Assets	9.98%	9.65%	10.18%	10.46%	10.64%	+66 bps
Liquidity & Funding
Loans / Deposits	49.60%	49.23%	47.63%	52.02%	51.31%	+171 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a