PackageTrendsPeer
Letter portraitLegal landscape

Great Lakes Refining

Blue Island, IL · Charter 60314

Q4 2000

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 2000, the quarter ended December 31, 2000, 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: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

Great Lakes Refining

Blue Island, IL · Charter 60314

Q4 2000

$1.9MAssets
$980KLoans
$1.5MShares
$424KNet Worth

Executive Summary

  • Earnings: ROA of 1.26%, down 300 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 1.62% of loans (+162 bps YoY).
  • Capital: net worth / assets of 22.34%.
  • Funding: loans stand at 66.38% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

1.26%-300 bps YoY

Net Interest Margin (YTD, annualized)

4.51%

Efficiency Ratio (YTD, annualized)

52.33%

Net Worth / Assets

22.34%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.36%4.58%4.08%4.25%4.14%1.15%0.06%1.26%-300 bps
Return on Equityn/an/an/an/an/an/an/a5.63%n/an/a
Net Interest Marginn/an/an/an/an/a3.80%4.14%4.51%n/a
Efficiency Ration/an/an/an/an/a62.93%58.48%52.33%n/a
Growth
Asset Growth (YoY)-24.38%-18.16%-13.73%-10.06%-4.36%-8.22%-4.68%-4.37%+569 bps
Loan Growth (YoY)-13.86%-10.96%-5.99%-15.35%-11.92%-0.95%4.36%13.80%+2,915 bps
Share Growth (YoY)-30.31%-23.69%-18.85%-14.62%-8.13%-12.35%-7.86%-7.90%+672 bps
Asset Quality
Delinquent Loans / Loans0.62%1.75%0.00%0.00%0.61%3.02%0.00%1.62%+162 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.60%0.54%1.16%0.94%1.13%1.44%0.63%0.93%-1 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a22.34%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a22.34%n/an/a
Liquidity & Funding
Loans / Shares54.25%56.76%54.52%53.72%52.01%64.13%61.75%66.38%+1,266 bps
Liquid Assets / Assets36.31%38.05%36.93%35.57%34.81%30.18%42.07%46.50%+1,092 bps