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Letter portraitLegal landscapeQuarterYTD

Northstar Bank, National Association

Kansas City, MO · Cert 35446

FDIC

Q3 2006

$194.0MAssets
$152.3MLoans
$155.6MDeposits
$34.9MEquity
Loan mix
33%RE $14.6M67%C&I $29.6M0%Consumer $0.0MQ3 2005Q3 2006
Deposit mix
91%Interest-bearing $141.4M9%Noninterest $14.2MQ3 2005Q3 2006

NIM

5.47%Q3 ’046.03%Q3 ’052.29%Q3 ’06+4%-66%

Non-interest income vs. expense

3.68%Q3 ’043.32%Q3 ’050.73%Q3 ’06-13%-75%

Executive Summary

  • Earnings: ROA of 0.32%, down 6 bps year over year; NIM at 1.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 97.86% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.32%-6 bps YoY

Net Interest Margin (YTD, annualized)

1.12%-222 bps YoY

Efficiency Ratio (YTD, annualized)

60.27%-2,037 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.37%0.36%0.89%0.38%0.32%-6 bps
Return on Equity3.71%3.60%9.08%3.85%2.66%-105 bps
Net Interest Margin3.33%3.35%3.53%3.61%1.12%-222 bps
Efficiency Ratio80.64%81.87%58.97%61.23%60.27%-2,037 bps
Non-Interest Burden2.54%2.63%1.95%2.09%0.63%-190 bps
Growth
Asset Growth (YoY)23.18%20.39%13.37%3.06%4.29%-1,889 bps
Loan Growth (YoY)26.15%22.29%14.73%3.30%-9.97%-3,612 bps
Deposit Growth (YoY)22.00%18.03%10.81%-0.54%-3.94%-2,594 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%-0.03%-0.01%0.00%0.01%+6 bps
Allowance / Loans1.24%1.26%1.32%1.80%2.00%+76 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.59%11.14%11.59%11.95%10.72%+14 bps
Equity / Assets9.86%9.61%10.03%10.04%17.99%+814 bps
Liquidity & Funding
Loans / Deposits104.41%105.86%109.90%107.62%97.86%-655 bps
Liquid Assets / Assets0.01%0.01%0.01%0.01%0.01%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a