PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Great Lakes Trust Company, National Association

Blue Island, IL · Cert 57128

FDIC

Q3 2007

$4.4MAssets
n/aLoans
n/aDeposits
$3.9MEquity

Executive Summary

  • Earnings: ROA of 34.93%, up 2,954 bps year over year; NIM at 1.52%.

Return on Assets (YTD, annualized)

34.93%+2,954 bps YoY

Net Interest Margin (YTD, annualized)

1.52%-145 bps YoY

Efficiency Ratio (YTD, annualized)

31.78%-4,580 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.81%Q3 ’052.97%Q3 ’061.52%Q3 ’07+6%-49%

Non-interest income vs. expense

41.81%Q3 ’0528.04%Q3 ’0622.04%Q3 ’07+67%-791%

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets9.32%7.22%5.53%5.39%5.89%9.87%7.03%34.93%+2,954 bps
Return on Equity11.46%8.28%6.24%6.00%6.52%10.34%7.36%37.35%+3,134 bps
Net Interest Margin2.81%3.14%2.98%2.97%2.82%2.56%2.41%1.52%-145 bps
Efficiency Ratio73.31%73.17%77.98%77.57%75.60%60.61%69.93%31.78%-4,580 bps
Non-Interest Burden-11.56%-8.37%-5.46%-5.14%-5.78%-12.40%-8.04%-45.79%-4,065 bps
Growth
Asset Growth (YoY)-11.71%-1.77%0.00%2.68%-6.44%3.87%3.48%40.95%+3,827 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital380%430%419%441%443%473%463%452%+1,151 bps
Equity / Assets80.99%94.46%91.24%93.66%92.71%98.33%95.55%89.25%-441 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a