# GREAT LAKES BANK NA
BLUE ISLAND, IL · FDIC certificate 3610 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $558.8M | |
| Deposits | $468.9M | |
| Loans and leases | $240.6M | |
| Total equity | $59.4M | |
| Loans / deposits | 49.70% (p8 of band) | 80.43% |
| Liquid assets / assets | 52.69% (p91 of band) | |
| Uninsured deposits / deposits | 11.94% (p22 of band) | 18.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.03% (p45 of band) | |
| FHLB advances / assets | 0.89% | |
| Tier 1 leverage | 10.83% (p65 of band) | 10.05% |
| Unrealized securities loss / equity | -8.81% (p2 of band) | 0.40% |
| AOCI / equity | 6.18% (p91 of band) | |
| ROA (annualized) | 0.70% (p34 of band) | 0.88% |
| Net interest margin | 3.31% (p29 of band) | 3.62% |
| Efficiency ratio | 85.14% (p87 of band) | |
| Noncurrent loans | 3.86% (p94 of band) | 0.96% |
| Net charge-offs (annualized) | 0.16% (p75 of band) | |
| Reserve coverage of noncurrent | 81.35% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 9.36% (p17 of band) | |
| Auto loans | $5,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 111 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2012-12 | 0 |  | deposits shrinking, assets shrinking |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2013-12 | 3 | assets shrinking |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | assets shrinking |
| 2014-09 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3610 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "3610", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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