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Letter portraitLegal landscapeQuarterYTD

Greatbank A National Association

Evanston, IL · Cert 922

FDIC

Q4 2006

$308.1MAssets
$271.2MLoans
$267.7MDeposits
$23.4MEquity
Loan mix
86%RE $61.0M14%C&I $10.2M0%Consumer $0.0MQ4 2005Q4 2006
Deposit mix
98%Interest-bearing $261.3M2%Noninterest $6.4MQ4 2005Q4 2006

NIM

5.73%Q4 ’046.12%Q4 ’057.05%Q4 ’06+0%-4%

Non-interest income vs. expense

2.51%Q4 ’042.58%Q4 ’052.71%Q4 ’06+11%+5%

Executive Summary

  • Earnings: ROA of 1.05%, down 33 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 101.29% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

1.05%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-17 bps YoY

Efficiency Ratio (YTD, annualized)

69.45%+574 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.38%0.85%1.02%1.03%1.05%-33 bps
Return on Equity19.45%11.53%13.63%13.80%14.01%-545 bps
Net Interest Margin3.79%3.67%3.76%3.65%3.62%-17 bps
Efficiency Ratio63.70%71.61%67.38%69.72%69.45%+574 bps
Non-Interest Burden2.33%2.56%2.45%2.46%2.43%+11 bps
Growth
Asset Growth (YoY)9.13%12.89%9.58%4.44%0.14%-899 bps
Loan Growth (YoY)4.70%12.51%11.92%4.70%4.49%-21 bps
Deposit Growth (YoY)8.78%11.77%5.97%1.03%-3.22%-1,200 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.11%0.07%0.10%0.10%-1 bps
Allowance / Loans1.00%0.97%1.02%1.00%1.00%0 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 Capital10.77%10.59%10.69%10.82%10.79%+2 bps
Equity / Assets7.32%7.37%7.66%7.45%7.60%+28 bps
Liquidity & Funding
Loans / Deposits93.83%100.16%105.51%99.89%101.29%+747 bps
Liquid Assets / Assets0.02%0.02%0.05%0.04%0.03%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a