National Bank of the Great Lakes

Elmhurst, IL · Cert 34129

FDIC

Q3 2003

$16.9MAssets

n/aLoans

$1.3MDeposits

$15.5MEquity

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

1.80%-5,428 bps YoY

Net Interest Margin (quarter, annualized)

0.90%-15 bps YoY

Efficiency Ratio (quarter, annualized)

270%+19,716 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2001	Q1 2002	Q2 2002	Q3 2002	Q4 2002	Q1 2003	Q2 2003	Q3 2003	YoY Δ	Trend
Earnings
Return on Assets	104.20%	30.27%	74.31%	56.08%	94.28%	31.21%	29.91%	1.80%	-5,428 bps
Return on Equity	193.82%	53.78%	128.21%	90.97%	143.75%	43.19%	35.59%	1.96%	-8,901 bps
Net Interest Margin	0.87%	1.11%	0.75%	1.05%	0.85%	0.92%	1.09%	0.90%	-15 bps
Efficiency Ratio	68.37%	85.59%	69.91%	72.84%	58.57%	75.17%	51.01%	270%	+19,716 bps
Non-Interest Burden	-168.20%	-54.91%	-120.46%	-92.70%	-152.42%	-51.96%	-47.61%	4.12%	+9,683 bps
Growth
Asset Growth (YoY)	8.84%	33.69%	17.85%	55.79%	47.73%	99.34%	44.36%	20.57%	-3,522 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	2.81%	2.24%	1.92%	1.60%	1.36%	1.21%	0.98%	0.90%	-70 bps
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	98.78%	96.16%	135.69%	137.15%	141.17%	203%	456%	459%	+32,190 bps
Equity / Assets	57.05%	55.21%	60.12%	62.92%	67.59%	77.05%	91.66%	91.84%	+2,893 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	52.35%	52.59%	69.11%	67.24%	64.84%	77.22%	99.53%	99.65%	+3,241 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a