PackageTrendsPeer
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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 $0.0MQ1 2005Q4 2006
Deposit mix
98%Interest-bearing $261.3M2%Noninterest $6.4MQ1 2005Q4 2006

Executive Summary

  • Earnings: ROA of 1.10%, down 17 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 101.29% of deposits as of Q4 2006.

Return on Assets (quarter, annualized)

1.10%-17 bps YoY

Net Interest Margin (quarter, annualized)

3.38%-60 bps YoY

Efficiency Ratio (quarter, annualized)

68.57%+51 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.81%Q4 ’046.75%Q4 ’057.19%Q4 ’06+5%-15%

Non-interest income vs. expense

2.41%Q4 ’042.80%Q4 ’052.53%Q4 ’06+29%-17%

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.41%1.33%1.53%1.27%0.85%1.18%1.05%1.10%-17 bps
Return on Equity20.33%18.60%21.51%17.56%11.53%15.68%13.87%14.62%-294 bps
Net Interest Margin3.91%4.02%3.92%3.98%3.67%3.94%3.44%3.38%-60 bps
Efficiency Ratio64.39%64.01%58.49%68.06%71.61%63.60%74.79%68.57%+51 bps
Non-Interest Burden2.43%2.45%2.16%2.67%2.56%2.40%2.50%2.22%-44 bps
Growth
Asset Growth (YoY)1.58%3.29%7.19%9.13%12.89%9.58%4.44%0.14%-899 bps
Loan Growth (YoY)7.08%8.46%8.91%4.70%12.51%11.92%4.70%4.49%-21 bps
Deposit Growth (YoY)0.14%2.81%6.84%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.08%0.18%0.07%0.11%0.04%0.14%0.11%+4 bps
Allowance / Loans1.00%1.00%1.00%1.00%0.97%1.02%1.00%1.00%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.99%10.64%10.56%10.77%10.59%10.69%10.82%10.79%+2 bps
Equity / Assets7.14%7.11%7.16%7.32%7.37%7.66%7.45%7.60%+28 bps
Liquidity & Funding
Loans / Deposits99.50%99.90%96.39%93.83%100.16%105.51%99.89%101.29%+747 bps
Liquid Assets / Assets0.02%0.02%0.02%0.02%0.02%0.05%0.04%0.03%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a