Great Lakes Bankers Bank

Great Lakes Bankers Bank is headquartered in Worthington and is the 162^nd largest bank in the state of Ohio. It is also the 5,189^th largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 15 employees at 1 location. Great Lakes Bankers Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Great Lakes Bankers Bank FDIC Certificate # 24493 BankRate Report View Year Established 1983 Employees 15 Primary Regulator FED Assets and Liabilities Assets $91.13 million Loans $36.29 million Deposits $73.56 million Equity Capital $9.48 million Loan Loss Allowance $907,000 Unbacked Noncurrent Loans $507,000 Historic Data - March 2011 Assets $103.76 million Equity Capital $9.10 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $1.25 million Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets 0.57% Return on Equity 5.64% Interest Income $683,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Great Lakes Bankers Bank had $507,000 in non-current loans and owned real-estate with $10.39 million in equity and loan loss allowances on hand to cover it. This gives Great Lakes Bankers Bank a Texas Ratio of 4.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Great Lakes Bankers Bank decreased significantly from 12.33% as of March 31, 2011 to 4.88% as of March 31, 2012, resulting in a positive change of 60.41%.This indicates that the balance sheet and financial strength for Great Lakes Bankers Bank has improved significantly in recent periods. Deposit Growth In the past year, Great Lakes Bankers Bank has decreased its total deposits by -$11.78 million, resulting in -13.8% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Great Lakes Bankers Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Great Lakes Bankers Bank has $91.12 million in assets with $10.39 million in equity, resulting in a capitalization level of 11.40%, which is above average.

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