Deputy Seminar, Chicago, IL

Long-Term Assets and Long-Term Liabilities As a Percent of Total Assets

Q4 2017, 62% STATE Exam Rank: Highest in State

70%

60%

Q2 2016, 60% FDIC Exam

Q4 2014, 58% STATE Exam

50%

40%

30%

Q4 2014, 13% STATE Exam Q2 2016, 11% FDIC Exam

20%

Q4 2017, 4% STATE Exam

10%

0%

Long-Term Assets > 5 years

Long-Term Liabilities > 3 years

Figure—12

DURATION ANALYSIS

12/31/2014 12/31/2017

Investments

6.12 3.66 3.93 4.89 1.97 2.63

4.33 4.20 4.22 4.83 1.35 1.90

Loans

All Earning Assets

Non-maturity deposits Time certificates All Paying Liabilities

Duration Mismatch

1.30

2.32

Figure—13