Bank Operations Institute

BANK PERFORMANCE

R. Jay Phillips

Cerfis Group, Inc.

UBPR User’s Guide – Technical Information Page 1

Federal Financial Institutions Examination Council

User’s Guide for the Uniform Bank Performance Report – Technical Information September 2012 Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency

UBPR User’s Guide – Technical Information Page 4

Introduction

The Uniform Bank Performance Report (UBPR) is an analytical tool created for bank supervisory, examination, and bank management purposes. In a concise format, it shows the impact of management decisions and economic conditions on a bank’s performance and balance-sheet composition. The performance and composition data contained in the report can be used as an aid in evaluating the adequacy of earnings, liquidity, capital, asset and liability management, and growth management. Bankers and examiners alike can use this report to further their understanding of a bank's financial condition and through such understanding perform their duties more effectively.

A UBPR is produced for every commercial and savings bank insured by the FDIC. The report is computer-generated from a data base derived from public and nonpublic sources. It contains several years’ worth of data, which are updated quarterly. Those data are presented in the form of ratios, percentages, and dollar amounts computed mainly from Reports of Condition and Income submitted by the bank (Call Reports). Each UBPR also contains corresponding average data for the bank's peer group and percentile rankings for most ratios. The UBPR therefore permits evaluation of a bank's current condition, trends in its financial performance, and comparisons with the performance of its peer group. A UBPR is available online at no charge at the FFIEC Central Data Repository’s Public Data Distribution website: https://cdr.ffiec.gov/public/. A UBPR for any bank in the country may be viewed online, printed or downloaded. The site includes data for most banks as early as December 31, 2002.

In addition to the individual bank report, the following is also available:

A Peer Group Report, which presents an average for all institutions in each peer group

A List of Banks in Peer Group, which presents a list of banks within each peer group.

A State Average Report, which presents ratio, averages within States.

A Distribution Report is also produced using the peer groupings in the state average and peer group average reports. Selected percentile values are displayed for individual ratios to provide additional insight into the range of bank performance that comprises an average.

An online User’s Guide which allows users to click on any UBPR ratio and review its calculation step-by-step.

A PDF version of a UBPR user Guide which allows users to print out formulas for all UBPR concepts.

UBPR bulk data which can be downloaded at no charge at https://cdr.ffiec.gov/public/PWS/DownloadBulkData.aspx in either tab delimited or eXtensible Business Reporting Language (XBRL).

This Technical Information section of the User's Guide contains basic guidelines for using both the PDF UBPR and online UBPR User’s Guides. The UBPR, related statistical reports and the User’s Guide are available online, free of change, at https://cdr.ffiec.gov/public/. Questions regarding the UBPR or the contents of this guide can be directed to: 1-888-CDR-3111 (1-888-237-3111) OR EMAIL cdr.help@ffiec.gov.

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Section I: Using the Uniform Bank Performance

Report for Financial Analysis

Summary The Uniform Bank Performance Report is designed to be used by bank examiners and bank management evaluating the financial condition of banks. By analyzing the data contained in the UBPR, the user can obtain an overall picture of the bank’s financial health and can discover conditions that might require further analysis and investigation. The UBPR is not designed to replace on-site examination or investigations but to supplement present examination procedures. It also functions as a common point of financial analysis between regulator and banker and can be useful as a part of a bank’s own internal bank process. The UBPR presents three types of data for use in the financial analysis of a bank: (1) the bank’s data, (2) data for a peer group of banks similar in size and economic environment, and (3) percentile rankings. A thorough understanding of those data groups and their interrelationships and limitations is essential in order to use the UBPR effectively. As a general rule, any analysis should compare the bank to its peer group, consider the bank’s trends over time, and also be aware of trends and changes in peer group averages. This user's guide does not present detailed in-depth instructions on ratio analysis, nor does it assign particular value to individual ratios or groups of ratios. Rather, it simply summarizes one way of using the UBPR for analysis; other approaches may be equally effective. Its primary purpose is to explain the calculations of individual ratios.

Availability All Uniform Bank Performance Reports and related information are distributed online through the FFIEC Central Data Repository’s Public Data Distribution website https://cdr.ffiec.gov/public/. The UBPR for a given bank is usually published within a day of the underlying Call Report being filed at the Central Data Repository. If the Call Report for a given bank contains errors then the UBPR may not be published until those errors are corrected. Peer group average data is made available once most banks have filed their Call Reports and UBPR data has been computed. For all peer groups except peer group 1 and peer group 2, peer group averages are published 30 days after the date of a Call Report, or on the Call Report due date. For peer groups 1 and 2, peer group averages are published 35 days after the date of a Call Report or on the Call Report due date. UBPR data is updated continuously. For the current Call Report quarter, UBPR data is recalculated every night and published the next morning. UBPR data for the current quarter and four consecutive prior quarters is recalculated every Friday night and published the next day. UBPR data for the prior twenty-one quarters is recalculated once a quarter. That recalculation occurs approximately two weeks before banks begin submitting a new Call Report and the data is published within 3 days.

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Uniform Bank Performance Report Selection — Select Search for a Uniform Bank Performance Report

To obtain a UBPR for a specific bank enter the bank name, FDIC certificate number, or the Federal Reserve RSSD ID. Alternatively, enter one or more of the geographic criteria available to search for a bank: State, City, County, or Zip Code. For example, entering Los Angeles and California will return a list of all banks headquartered in Los Angeles, California. Other Available Statistical Reports—

Peer Group Average Report—This report displays all UBPR ratios averaged by peer group in UBPR format. All peer groups are available. Peer Group Average Distribution Report—This report provides a distribution or range of values for all ratios that appear in the UBPR by peer group. This report can provide valuable insight into the population of banks that are used to calculate peer average data that appears in the UBPR. For example the UBPR calculates a trimmed average ROA for the peer group 9 of 1.18%. Peer group nine is made up of 339 banks with net income to average assets (ROA) that ranges from –2.24% at the first percentile to 5.51% at the 99th percentile. The report displays ratio distribution data in UBPR page format. State Average Report—Provides summary UBPR ratio data and selected aggregate information averaged by state. A further breakdown of average statistical data is provided by asset size. The information is provided for all states and territories in UBPR format.

State Average Distribution Report—This report provides a distribution or range of values for all ratios that appear in the state average report. Similar to the peer group average distribution report, this report can provide valuable insight into the population of banks used to calculate state average data.

List of Banks in Peer Group Report—This report provides a list of banks by peer group. The list includes core information such as location, assets and net income and it may be sorted by several criteria. An individual bank’s UBPR may be accessed directly from the list by clicking on the certificate number.

Custom Peer Group Bank Report—This report allows a selected bank to be compared with the composite performance of a user defined peer group of banks. UBPR peer statistics are recomputed based on a user defined group of banks and displayed along with individual bank data in UBPR page format. Banks may be identified as peers by either entering FDIC certificate numbers or using the built-in search engine.

Analytical Considerations Effective use of the UBPR entails consideration of the level and trend of individual ratios and the interrelationship among related ratios. No single ratio, percentile ranking, or trend is indicative of a banks’ condition. Each bank has its own unique operating characteristics that affect both its balance-sheet composition and its income stream. A given bank may be above or below the peer group average

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for a given ratio, however that information must be considered in combination with other related facts including other UBPR data before its importance can be determined.

For example, if a bank’s net interest income (TE) to average assets (UBPR page 01) is 3.03 percent compared with the peer group average of 3.96 percent, placing it in the 15th percentile, the bank may appear to be having profit-margin difficulties. However, if the bank’s short-term investments (UBPR page 10A) are 49 percent of average assets compared with the peer-group average of 17 percent and its volatile liabilities are 43 percent of average assets compared with 19 percent for the peer group, it can be concluded that the bank’s assets and liability composition is substantially different from that of its peers. Thus, a lower net interest income (TE) to average assets ratio may be normal and proper, as would be a lower overhead expense to average assets ratio. Dependence on large time deposits and federal-funds purchased in short-term investments normally produces narrower profit margins and does not require as large a building, staff, or operating budget as engaging more heavily in retail activities.

However, overhead expenses that are not well below the peer group mean for such a bank could be cause for concern, because of the potential effect on earnings. As the above example demonstrates, differences in assets and liability composition must be taken into consideration in order to properly interpret percentile rankings and ratio variations between the bank and its peer group. By employing percentile rankings and peer-group data as general guides or points of reference, rather than as strict bench marks, and by being aware of the interrelationship between the bank’s balance sheet and its income statement, analysis may focus on those areas of a bank’s operation that merit concern, thus providing a more complete understanding of the entire bank.

Method of Review The introductory page of the UBPR describes the bank’s current peer group and the name and address of its holding company, if applicable. The primary financial analysis begins on UBPR page 01 with a review of summary ratios. The Summary Ratios page (Page 01) presents the bank’s average assets and net income in dollars; performance ratios, asset and liability management data, capital ratios, and growth rates. It also shows percentile rankings and peer-group averages. This page provides direction for analysis of the other sections of the report. After the summary ratios section has been analyzed, the bank’s earnings section can be evaluated using a “Decision Tree” analysis approach. Note that the UBPR is organized so that ratios on page one are supported by details on subsequent pages. This approach is an attempt to explore how ratios are interrelated and how one ratio can affect other ratios, thus allowing the analyst to trace the source of a particular performance characteristic to its root cause. For example, the interplay of rates earned on assets or paid on liabilities and the volume or mix of such assets and liabilities is segregated in the decision tree analysis. Rather than trace each earning component separately, the analyst may review the earnings page in sequence to analyze the trend and interrelationships of these components while tracing their causes. Concurrently, the analyst may identify conditions that may be cause for concern and find corroborative evidence of conditions noted during the review of the summary ratios. This method allows for an orderly progression of thought and helps the analyst develop a perception of the bank as a whole.

This method of page-by-page review may be extended to the other sections of the UBPR. After completing the review of the last page of the report, the user should have a relatively comprehensive

UBPR User’s Guide – Technical Information Page 9

Section II: Technical Information

Banks Covered The Uniform Bank Performance Report covers all FDIC-insured commercial banks, savings banks, and savings associations which may be categorized according to their charter types and primary regulatory agencies:

National banks and Federal-chartered savings association, which are regulated by the Office of the Comptroller of the Currency

State-chartered banks, which are members of the Federal Reserve System, regulated by the Federal Reserve Board

State-chartered commercial banks, savings banks and savings associations, which are not members of the Federal Reserve System, and are regulated by the Federal Deposit Insurance Corporation

Sources of UBPR Data The source of all bank and thrift financial data in the UBPR is Call Reports, which are filed quarterly by each insured bank and thrift. These Call Reports differ somewhat between banks in amount of detail, depending on the characteristics of the banks. The following “report type” designations refer to the FFIEC form numbers on different Call Reports: From March 31, 2001 forward:

031 Reporters: all banks with domestic and foreign offices

041 Reporters: all banks with domestic offices The UBPR also uses various items of bank “structure” data from agency files, to categorize banks or to gather additional information. Such items of information include:

bank name and address

number of offices

established date

whether located in a Metropolitan Statistical Area

holding company identification

occurrences of bank mergers.

Format and Content Each Uniform Bank Performance Report presents pages of bank financial data organized into: (1) summary ratios, (2) income information and (3) balance sheet information. Also, the source items and calculations used for some UBPR items may vary depending on Call Report type, bank class, or other factors. For instance, assets or liabilities held in foreign offices may be used in certain ratio calculations for banks with both domestic and foreign offices, filing Call Report Form 031.

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Primary Peer Group Criteria Banks are assigned to one primary peer group to permit average ratios to be calculated. Most banks are assigned to one of the primary insured commercial bank peer groups. In addition several primary line-of-business peer groups have been established because of the unique operating characteristics of some institutions. Those groups include Savings Bank, Credit Card Specialty, and Bankers Bank peer groups. Peer-group data are included in the UBPR to show the average performance of a group of banks with similar characteristics. This information can be used as a benchmark against which an individual bank’s asset and liability structure and earnings may be measured. Users should note that primary peer group data appears on pages 1, 3, 5, 6, 7, 8, 9, 10, 11, 12, and 13.

Insured Commercial Bank Peer Groups Over 6,000 banks are assigned to one of 15 asset-based primary insured commercial bank peer groups. Peer groups are defined by up to three criteria as described in the table below. Banks are first grouped by asset size using 90-day average assets from Call Report Schedule RC-K. This asset-based grouping applies to all peer groups and is reviewed quarterly. Smaller asset groups are sub-divided by the number of full service branches. The number of full service branches is gathered from the annual Summary of Deposits filed with the FDIC. Those groupings are subdivided again by whether a bank is located in a metropolitan area or not. A metropolitan area is a Metropolitan Statistical Area (MSA) as defined by a federal agency, the Office of Management and Budget (OMB). DeNovo, or newly chartered insured commercial banks are compared to other banks that opened in the same year for a period of five years. For example banks that were chartered in the year 2006 will be placed in peer group number 2006 and compared to one another for five years. After five years, banks will be placed in one of the asset-based peer groups. The UBPR will include DeNovo peer groups from 2001 forward. This structure is used to develop average or composite ratios by peer group. Because similar sized banks operating under similar conditions are compared, the peer group ratios provide a useful benchmark of performance. Consistent differences in peer group performance are apparent over time. For example, the average non-branch bank in a non-metropolitan area tends to have lower overhead, lower noninterest income higher profitability and higher capital ratios than similar sized branch banks located in metropolitan areas.

Insured Commercial Bank Peer Group Descriptions Peer Group

Number Average Assets for Latest Quarter

Number of Banking Offices

Location

1 In excess of $3 billion - -

2 Between $1 billion and $3 billion - -

3 Between $300 million and $1 billion - -

4 Between $100 and $300 million 3 or more Metropolitan area

5 Between $100 and $300 million 3 or more Non-metropolitan area

6 Between $100 and $300 million 2 or fewer Metropolitan area

7 Between $100 and $300 million 2 or fewer Non-metropolitan area

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8 Between $50 million and $100 million 3 or more Metropolitan area

9 Between $50 million and $100 million 3 or more Non-metropolitan area

10 Between $50 million and $100 million 2 or fewer Metropolitan area

11 Between $50 million and $100 million 2 or fewer Non-metropolitan area

12 Less than $50 million 2 or more Metropolitan area

13 Less than $50 million 2 or more Non-metropolitan area

14 Less than $50 million 1 Metropolitan area

15 Less than $50 million 1 Non-metropolitan area

DeNovo Less than $750 million. Each DeNovo bank is grouped by the year of opening with other DeNovo banks for a period of five years subject to the asset limitation. Each DeNovo peer group is described by its year, e.g. 2006, 2007, 2008, etc.

FDIC Insured Savings Bank Peer Groups Over 1,000 FDIC Insured Savings Banks and thrift institutions are assigned to one of four primary asset based peer groups as defined in the table below. Banks are grouped by asset size using 90 day average assets from Call Report Schedule RC-K. This asset-based grouping applies to all peer groups and is reviewed quarterly. Savings banks continue to exhibit consistent differences in performance when compared to insured commercial banks. As a consequence, the peer group comparison has proved to be useful.

FDIC Insured Savings Banks Peer Group Descriptions (Includes FDIC insured savings banks with the following characteristics)

Peer Group Number Assets*

101 In excess of $1 billion

102 Between $300 million and $1 billion

103 Between $100 million and $300 million

104 Less than $100 million * Asset figure used is latest quarterly average assets (from FFIEC Call Report Schedule RC-K).

Credit Card Specialty Banks Peer Groups Approximately 39 banks are assigned to one of three primary credit card specialty peer groups based on asset size. Banks are grouped by asset size using 90 day average assets from Call Report Schedule RC-K. This asset-based grouping applies to all peer groups and is reviewed quarterly. Banks that exhibit both of the following characteristics are considered to be a specialized credit card lender:

1. Credit Card Loans plus Securitized and Sold Credit Cards divided by Total Loans plus Securitized and Sold Credit Cards exceeds 50%.

2. Total loans plus Securitized and Sold Credit Cards divided by Total Loans plus Securitized and Sold Credit Cards exceeds 50%.

Credit card specialty banks are by definition focused on one type of lending. As a consequence many appear as outliers when compared to traditional benchmarks of performance. Credit card specialty

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banks exhibit very high noninterest income, noninterest expense, interest margins, loan loss provisions and profitability when compared to traditional commercial or savings banks. As a consequence this specialized peer group analysis has proven to be especially useful as a benchmark for reviewing such banks.

Credit Card Specialty Banks Peer Group Descriptions (Includes FDIC insured commercial and savings banks with the following characteristics)

Peer Group Number Assets*

201 In excess of $5 billion

202 Between $1 billion and $5 billion

203 Less than $1 billion * Asset figure used is latest quarterly average assets (from FFIEC Call Report Schedule RC-K).

Bankers Bank Peer Groups Approximately twenty banks have been assigned to the primary bankers bank peer group. Bankers banks are a unique type of financial institution that provide services to other banks, bankers and bank directors. They do not provide any banking services to the general public. Because bankers banks are highly specialized institutions, many appear as outliers when compared to traditional measures of balance sheet structure and other forms of comparison. As a consequence the bankers bank peer group data has proven to be an especially useful as a tool for analyzing bankers banks.

Bankers Banks Peer Group Description Peer Group Number

301 All Bankers Banks

Supplemental Peer Groups The UBPR also groups banks into three supplemental peer group categories: Fiduciary, Savings Banks, and State Average peer groups. Data presented in these supplemental peer groups offer information in addition to the primary peer group. Selected ratios are then averaged. This analysis is provided as an enhancement to the primary peer group analysis available for all banks.

Fiduciary Peer Groups Trust pages 14 and 14A include peer group average data for banks engaged in fiduciary activities. For the purposes of these two pages, banks are compared to peer group data that is computed using supplemental peer group definitions. Banks continue to be compared to a primary peer group on all other pages of the UBPR. All FDIC Insured commercial and savings banks engaged in fiduciary activities have been assigned to one of five supplemental trust peer groups. Banks are grouped by total fiduciary assets (managed and non-managed) as reported on Call Report Schedule RC-T.

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Data from Call Report Schedule RC-T is available from December 31, 2001 forward, however several reporting limitations apply. Depending on asset size and the percentage of trust and related revenue to total income, an individual institution may be required to report certain items quarterly, annually or not at all. As a consequence, peer group data for interim quarters may be based on a much smaller population of banks than year-end data. Please see instructions for the report of condition and income on WWW.FFIEC.GOV for details. Prior to March 31, 2009, information on fiduciary income and expense is considered confidential, only peer group data for those items will appear on the public UBPR website.

Fiduciary Peer Group Descriptions Applies only to data shown on trust pages. (Includes insured commercial and savings banks with the following characteristics)

Peer Group Number Assets*

TRST301 In excess of $100 billion

TRST302 Between $10 billion and $100 billion

TRST303 Between $1 billion and $10 billion

TRST304 Between $250 million and $1 billion

TRST305 Less than $250 million * Asset figure used is latest total for managed and non-managed fiduciary assets (from FFIEC Call Report Schedule RC-T).

Savings Banks Peer Groups In addition to the four standard savings bank peer groups mentioned above, FDIC insured savings banks are also placed into one of eight supplemental peer groups based on ownership structure. Savings banks that are mutually-owned by their depositors are placed into separate peer groups than their savings bank counterparts with a stock ownership structure. All UBPR performance, rank and statistic data are calculated for each of these supplemental peer groups. These supplemental peer groups are detailed below:

Supplemental Insured Savings Bank Peer Group Descriptions (Includes insured savings banks with the following characteristics)

Peer Group Number Ownership Type and Assets*

101M Mutually-owned insured savings banks in excess of $1 billion

102M Mutually-owned insured savings banks between $300 million and $1 billion

103M Mutually-owned insured savings banks between $100 million and $300 million

104M Mutually-owned insured savings banks less than $100 million

101S Stock-owned insured savings banks in excess of $1 billion

102S Stock-owned insured savings banks between $300 million and $1 billion

103S Stock-owned insured savings banks between $100 million and $300 million

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104S Stock-owned insured savings banks less than $100 million

* Asset figure used is latest quarterly average assets (from FFIEC Call Report Schedule RC-K).

State Average Peer Groups The State Average Page (STAVA) is displayed for all banks as a part of the online UBPR. While it does not display individual bank data, it does provide average of selected performance and balance sheet data for banks within the state. Additionally, the same performance and balance sheet data is subdivided into three asset categories. The state average page is provided as a supplement to the primary peer group data discussed above.

Computing Peer Group Averages Peer group averages shown in the UBPR are a trimmed average of the ratios for individual banks. The peer group average for a given ratio is trimmed or adjusted to eliminate the effect of outliers or banks above the 95th and below the 5th percentile. The resulting average in most cases is very close to the median or mid-point value for a given group of banks. Thus the peer group average could be thought of as representing the performance of the-bank-in-the-middle for a specific ratio. It should be noted that the group of banks averaged for one ratio will differ from that used in other ratios. This occurs because the top and bottom 5% of banks designated as outliers will change from ratio to ratio. Consequently averages for separate ratios cannot be added or otherwise combined. The resulting peer group ratios are very stable over time and are not influenced by outlier banks. As an example the trimmed average Return on Assets (ROA) for peer group 3 was 1.26%. The 180 banks in peer 3 have an ROA that ranges from –1.60% to 6.35%. After sorting the banks from highest to lowest ROA, eighteen banks were identified as being in the top and bottom 5% and excluded from the group of banks to be averaged. When an item is reported by only a small group of banks within a peer group, an insufficient number of valid observations can distort peer-group data. To minimize this problem, a floor has been set for the minimum number of ratio values that may be used to calculate the peer-group average. If fewer than five ratio values are available to compute the peer-group figure, a double number sign (##) is displayed rather than the value.

Percentile Rankings Percentile rankings (PCT) are presented to the right of most of the individual and peer group ratios. The percentile ranking is the position or ranking of one bank relative to all others within the peer group for a given ratio. Thus, if a bank is at the 80th percentile for the tier one leverage ratio, it may be said that 20% of the banks in the peer group have a leverage ratio that is higher and 80% have a lower ratio. A high or low percentile ranking is a simple statement of statistical fact; it does not imply a good, bad, satisfactory, or unsatisfactory condition. However, when analyzed within the context of other related

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data, an opinion can be formed about the potential relevance of a high or low percentile ranking to an individual bank’s financial condition and performance. Please note that all banks within the peer group are included in the percentile ranking, as opposed to the peer group average methodology discussed above.

Computations and Adjustments Calculating Asset and Liability Averages The UBPR uses three different methodologies for calculating averages. The first type of average is a cumulative or year-to-date average of the one quarter averages for assets and liabilities reported in Call Report Schedule RC-K. The resulting year-to-date averages are used as the denominator in earnings ratios, yield and rate calculations found on pages 1 and 3 of the UBPR. As an example, the average assets used for page 1 earnings analysis in the September 30th UBPR would reflect an average of the quarterly average assets reported in March, June and September of the current year. The second type of average is a cumulative or year-to-date average of end-of-period balances reported on Call Report Schedules RC, RC-B, RC-C and RC-E from the beginning of the year forward. To provide an accurate average, the asset or liability balance at the prior year-end is also included. Averages calculated in this manner are used to determine the percentage composition of assets and liabilities on page 6 as well as selected ratios on page 7. For example, the September 30th year-to-date average total loans is composed of the spot balances for total loans from Call Report Schedule RC-C for the prior December, and current March, June and September divided by 4. The final type of average uses one quarter average data from Call Report Schedule RC-K. These averages are as the denominator in the one-quarter annualized-income-analysis on page 12. Thus, average assets used in the September 30 UBPR analysis of net income on page 12 would include the quarterly average assets from schedule RC-K for September. That average is divided into the annualized one quarter income or expense item.

Annualization of Ratios Using Interim-Period Report-of-Income-Data The dollar amounts displayed for most income and expense items in the UBPR are shown for the year-to-date period. However, to allow comparison of ratios between quarters, income and expense and related data used in ratios on pages 1, 3 and 7 and 11 are annualized for interim reporting periods. Thus, the income or expense item is multiplied by the indicated factor listed below before dividing it by the corresponding asset or liability. All income and expense ratios on page 12 are computed from income or expense data for one quarter and are annualized by a factor of 4.

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Income and expense information reported on the December 31 Call Report is not annualized. Since the year-end UBPR represents a full fiscal year, that data does not have to be annualized. The UBPR annualization factors are: March 4.0 June 2.0 September 1.3333

Special Annualization for DeNovo Banks and Banks Reporting Pushdown Accounting The annualization algorithm reflects the actual number of days a DeNovo bank has been open in its first year of operation or the number of days that have elapsed since a push down transaction was reported. The algorithm divides the number of days in the year by the number of days a DeNovo Bank has been open or the number of days since a push down transaction was reported. For affected banks the revised annualization factor will replace the standard annualization factor in the effected year.

Missing Data or Extreme Ratio Values When data is missing from an individual calculation the UBPR will display NA. When a ratio exceeds 999 or is less than -999 then + ## or - ## will be displayed respectively. If there is an insufficient number of banks (observations) to permit calculation of a valid average ratio for peer group analysis, NA will appear.

Subchapter S Adjustments For banks that elect Subchapter S status for income taxes, the UBPR adjusts after tax earnings used in Net Income as % of Average Assets (ROA). This adjustment is performed to improve the comparability of income between banks that are taxed at the corporation level (non S Corp. banks) and those that have shifted income taxation to the shareholder level (S Corp. Banks). Dollar data displayed in the UBPR is not adjusted. In essence an estimated tax is substituted for any reported taxes then deducted from income.

After tax earnings are adjusted as follows: Estimated income taxes: Federal income tax rates are applied to net income before extraordinary items and taxes plus non-deductible interest expense to carry tax-exempt securities less tax-exempt income from securities issued by states and political subdivisions, less tax-exempt income from leases, less tax-exempt income from other obligations of states and political subdivisions. Net Income adjusted for Subchapter S: Net Income plus applicable income taxes less estimated income taxes.

Net Interest Income (TE):Avg Assets

Net Income:Avg AssetsFiduciary Activities (inc)

Deposit Service Charges

Noninterest Income:Avg Assets Net from Trading Fees &

Comms (if available)

Foreign Exchange Trading Average Assets per(if available) employee-$MM

Other Non-Interest Income

Personnel Expense:Avg Assets

Non-interest expense: Average Personnel ExpAvg Assets per equiv Emp-$M

Provision for loan & lease Premises, fixed assets:losses: Avg Assets Occupancy Expense: Avg Assets

Avg Assets

Realized G/L Avg Assets per domesicHTM Securities office

Other operating expenses:Avg Assets

Effiency Ratio

Realized G/LAFS Securities

Net Extraordinary Items:Avg Assets

Applicable Income Tax:Avg Assets

Total Loans & Leases Real Estate Loans Real Estate Loans(Yield On) (yield on) Avg Gross Lns & Leases

Interest Income (TE):Avg Earning Assets

Interest Income (TE):Avg Assets

Other Interest Income US Treasury & agency Commercial & Industria Commercial & IndustrialSecurities Loans (yield on) Avg Gross Lns & Leases

Average Earning AssetsAvg Assets

Net Loans and LeasesAvg Assets

Investment Securities Mortgage backed securities Loans to Individuals Loans to Individuals(Yield On) (yield on) (yield on) Avg Gross Lns & Leases

Debt Securities:Avg Assets

Interest-Bearing BankBalances: Avg Assets Interest Bearing Bank All other securities Agriculture Loans Agriculture Loans:

Balances (Yield On) (yield on) (yield on) Avg Gross Lns & LeasesFederal Funds SoldAvg Assets

Trading Acct Securities:Avg Assets

Equity Securities: Federal Funds SoldAvg Assets (Yield On)

Interest ExpenseAvg Assets

Page 2

Transactions Accounts All other time deposits(cost of) (cost of)

Total Interest Bearing Deposits (cost of)

Other savings & deposits Foreign Office Deposits(cost of) (cost of)

Interest ExpenseAvg Earning Assets

Time deps over $100M(cost of)

Federal Funds Purchased& Repos (cost of)

Other Borrowings (+ noteoption) (cost of)

Subord Notes & Debentures (cost of)

Interest-bearing transaction Foreign office depositsaccts:avg assets avg assets

Interest-Bearing Funds Interest-bearing non-trans Other borrowings:Avg Assets accts:avg assets avg assets

Federal funds & repos Subord notes & debenturesavg assets avg assets

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BANK ONE

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Table of ContentsOCC Charter # 0 County: ONE December 31, 2012 Uniform Bank Performance ReportPublic Report

InformationIntroduction Table of ContentsThis uniform bank performance report covers the operations of a bank and that of a Sectioncomparable group of peer banks. It is provided as a bank management tool by the Federal Cover PageFinancial Institutions Examination Council. Detailed information Summary Ratios--Page 1concerning the content of this report is provided in the Users Guide for the Uniform Income Statement $--Page 2Bank Performance Report found online at www.ffiec.gov. Noninterest Income, Expenses and Yields--Page 3This report has been produced for the use of the federal regulators of financial Balance Sheet $--Page 4institutions in carrying out their supervisory responsibilities. All information contained herein Off Balance Sheet Items--Page 5was obtained from sources deemed reliable however no guarantee is given as to Derivative Instruments--Page 5Athe accuracy of the data. The information contained in this report are not to be construed Derivative Analysis--Page 5Bas a rating or other evaluation of a financial institution by a federal banking regulator. Balance Sheet Percentage Composition--Page 6The quarterly report of condition and income is the principal source of information Analysis of Credit Allowance and Loan Mix--Page 7for this report. Please refer to that document for additional financial information and Analysis of Credit Allowance and Loan Mix--Page 7Aan explanation of the accounting standards that underlie data shown herein. Analysis of Concentrations of Credit--Page 7BFor questions regarding content of reports contact: Analysis of Past Due, Nonaccrual & Restructured--Page 81-888-237-3111 or email: cdr.help@ffiec.gov Analysis of Past Due, Nonaccrual & Restructured--Page 8A

Interest Rate Risk Analysis as a Percent of Assets--Page 9Financial Institution Address: Liquidity & Funding--Page 10BANK ONE Liquidity & Investment Portfolio--Page 10A300 SOUTH ONE STREET Capital Analysis--Page 11ONE GA Capital Analysis--Page 11A11111- One Quarter Annualized Income Analysis--Page 12

Securitization & Asset Sale Activities--Page 13The Current Federal Regulator is: Securitization & Asset Sale Activities--Page 13AFederal Deposit Insurance Corporation Securitization & Asset Sale Activities--Page 13B

Fiduciary & Related Services--Page 14The bank was established on: 1/15/1910 Fiduciary & Related Services--Page 14A

The current peer group for this bank is: 3Insured commercial banks having assets between $300 million and $1 billion Bank Holding Company Information:

FRB District / ID_RSSD 6 / 1111111FootNotes: ONE BANCSHARES, INCFinancial data in the Uniform Bank Performance Report may have been adjusted ONE, GAas a result of information shown in footnotes below. Please refer to theUniform Bank Performance Report Users Guide online for details.

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Summary RatiosOCC Charter # 0 County: ONE Summary Ratios--Page 1Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Earnings and Profitability BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Percent of Average Assets: Interest Income (TE) 3.65 4.23 15 3.83 4.50 11 4.63 4.78 38 5.40 5.13 69 6.42 5.90 86 - Interest Expense 1.10 0.66 91 1.21 0.90 81 1.51 1.22 74 1.89 1.68 64 2.27 2.36 42 Net Interest Income (TE) 2.55 3.56 3 2.62 3.60 4 3.12 3.56 22 3.51 3.45 52 4.15 3.55 82 + Noninterest Income 0.94 0.78 67 1.43 0.71 89 1.61 0.72 91 1.86 0.74 93 2.43 0.77 96 - Noninterest Expense 4.00 2.93 89 3.56 2.93 80 4.73 2.94 95 3.75 2.97 84 4.62 2.91 93 - Provision: Loan & Lease Losses 0.87 0.30 90 2.05 0.53 94 4.99 0.80 98 1.11 1.12 61 0.48 0.62 55 Pretax Operating Income (TE) -1.37 1.16 3 -1.56 0.89 6 -4.98 0.59 1 0.52 0.15 48 1.48 0.87 69 + Realized Gains/Losses Sec 0.07 0.07 65 0.23 0.05 91 0.39 0.05 96 0.13 0.04 79 0.02 -0.04 75 Pretax Net Operating Income (TE) -1.30 1.25 3 -1.34 0.95 7 -4.59 0.65 1 0.64 0.18 50 1.50 0.74 71 Net Operating Income -1.30 0.92 2 -1.36 0.67 7 -4.31 0.44 1 0.47 0.10 51 0.99 0.53 68 Adjusted Net Operating Income -1.97 0.90 2 -2.14 0.68 4 -2.29 0.56 6 0.80 0.41 53 1.21 0.78 72 Net Inc Attrib to Min Ints 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 N/A 0.00 N/A Net Income Adjusted Sub S -1.30 0.83 2 -1.36 0.60 7 -4.31 0.38 1 0.47 0.05 52 0.99 0.47 73 Net Income -1.30 0.92 2 -1.36 0.67 7 -4.31 0.44 1 0.47 0.10 51 0.99 0.53 67

Margin Analysis: Avg Earning Assets to Avg Assets 91.77 93.26 28 92.92 93.16 43 90.77 93.08 21 92.19 93.59 29 89.50 93.86 7 Avg Int-Bearing Funds to Avg Assets 83.13 78.23 69 84.41 79.79 71 81.28 81.05 47 79.87 81.67 36 79.62 80.74 38 Int Inc (TE) to Avg Earn Assets 3.98 4.55 17 4.12 4.85 10 5.10 5.15 45 5.86 5.50 74 7.17 6.30 93 Int Expense to Avg Earn Assets 1.20 0.71 92 1.30 0.96 81 1.66 1.31 78 2.05 1.80 66 2.53 2.52 50 Net Int Inc-TE to Avg Earn Assets 2.78 3.83 4 2.82 3.88 4 3.44 3.84 26 3.81 3.70 54 4.64 3.79 88

Loan & Lease Analysis: Net Loss to Average Total LN&LS 2.48 0.51 95 4.31 0.80 98 4.19 1.01 95 1.08 1.12 62 0.37 0.53 53 Earnings Coverage of Net Losses (X) -0.32 11.79 3 0.17 7.50 9 0.00 5.56 7 2.01 4.74 45 7.24 9.99 58 LN&LS Allowance to LN&LS Not HFS 4.13 1.77 96 4.16 1.93 94 4.70 1.97 95 1.49 1.87 38 1.37 1.43 54 LN&LS Allowance to Net Losses (X) 1.44 7.41 13 0.88 4.85 8 1.04 3.72 16 1.47 3.28 33 4.10 5.96 52 LN&LS Allowance to Total LN&LS 4.13 1.74 96 4.16 1.90 94 4.70 1.94 95 1.49 1.85 39 1.37 1.42 55 Total LN&LS-90+ Days Past Due 0.01 0.07 53 0.48 0.08 91 0.00 0.11 33 0.00 0.15 28 0.00 0.15 26 -Nonaccrual 10.83 1.91 97 14.14 2.64 97 9.27 3.06 90 0.76 2.96 20 0.86 1.84 37 -Total 10.85 2.06 97 14.61 2.79 97 9.27 3.24 90 0.76 3.18 15 0.86 2.07 31

Liquidity Net Non Core Fund Dep New $250M -0.43 3.45 34 -1.69 5.83 25 18.45 9.12 77 41.34 26.41 84 38.96 31.66 68 Net Loans & Leases to Assets 58.57 62.30 36 61.10 62.82 41 63.60 65.77 40 70.33 68.15 53 69.35 71.43 38

Capitalization Tier One Leverage Capital 2.84 9.67 0 3.32 9.40 1 4.29 9.02 2 7.45 8.66 22 7.23 8.75 14 Cash Dividends to Net Income 0.00 32.27 31 0.00 28.25 37 0.00 26.27 42 0.00 30.16 45 14.56 45.37 33 Retained Earnings to Avg Total Equity -36.42 4.49 1 -29.85 2.74 4 -56.44 0.71 3 5.17 -3.13 75 8.91 0.24 89 Rest+Nonac+RE Acq to Eqcap+ALLL 264.63 23.05 98 207.59 31.13 96 110.68 35.71 91 10.79 34.15 26 9.21 18.71 39

Growth Rates Total Assets -19.40 5.13 0 -9.87 4.09 6 -2.25 1.78 29 27.72 4.62 95 21.37 8.75 86 Tier One Capital -31.79 6.44 1 -27.69 5.82 3 -42.85 3.67 2 36.46 4.57 95 11.09 5.18 75 Net Loans & Leases -22.74 3.64 1 -13.42 -0.56 10 -11.61 -1.99 14 29.54 -0.10 96 23.77 9.14 87 Short Term Investments -33.50 33.76 16 19.48 36.82 51 245.10 58.11 87 59.58 232.34 47 -7.51 35.08 53 Short Term Non Core Funding 3.35 -2.29 60 -76.23 -48.46 13 29.63 -11.91 93 53.24 -2.97 93 50.78 21.85 77

Average Total Assets 790,337 915,504 975,304 912,996 690,864 Total Equity Capital 22,820 33,083 45,017 88,618 68,689 Net Income -10,257 -12,434 -42,036 4,296 6,869

Number of banks in Peer Group 1,200 1,170 1,166 1,198 1,191

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Income Statement $OCC Charter # 0 County: ONE Income Statement $--Page 2Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Year

Interest and Fees on Loans 26,727 31,332 40,250 41,768 37,600 ########## Income From Lease Financing 0 0 0 0 0 N/A Tax-Exempt 306 425 303 404 606 ########## Estimated Tax Benefit 0 0 0 208 312 N/A Income on Loans & Leases (TE) 26,727 31,332 40,250 41,976 37,912 ##########

US Treas & Agency (Excl MBS) 33 489 756 632 596 -93.25 Mortgage Backed Securities 1,432 2,521 3,351 5,614 5,125 -43.2 Estimated Tax Benefit 0 0 0 343 133 N/A All Other Securities 279 417 703 666 259 -33.09 Tax-Exempt Securities Income 12 417 703 666 259 -97.12 Investment Interest Income (TE) 1,744 3,427 4,810 7,255 6,113 -49.11

Interest on Due From Banks 327 241 29 3 3 35.68 Int on Fed Funds Sold & Resales 0 1 70 55 185 -100 Trading Account Income 0 0 0 0 0 N/A Other Interest Income 46 26 11 10 116 76.92

Total Interest Income (TE) 28,844 35,027 45,170 49,299 44,329 -17.65

Int on Deposits in Foreign Off N/A N/A N/A N/A N/A N/A Interest on Time Dep Over $100M 3,094 3,656 3,823 4,269 3,320 -15.37 Interest on All Other Deposits 4,637 5,850 8,874 10,440 10,654 -20.74 Int on Fed Funds Purch & Repos 0 0 313 829 313 N/A Int Trad Liab & Oth Borrowings 952 1,571 1,701 1,701 1,361 -39.4 Int on Sub Notes & Debentures 0 0 0 0 0 N/A

Total Interest Expense 8,683 11,077 14,711 17,239 15,648 -21.61

Net Interest Income (TE) 20,161 23,950 30,459 32,060 28,681 -15.82 Non-interest Income 7,468 13,059 15,715 17,006 16,788 -42.81 Adjusted Operating Income (TE) 27,629 37,009 46,174 49,066 45,469 -25.35

Non-Interest Expense 31,588 32,549 46,157 34,233 31,907 -2.95 Provision: Loan & Lease Losses 6,850 18,770 48,620 10,103 3,310 -63.51 Pretax Operating Income (TE) -10,809 -14,310 -48,603 4,730 10,252 24.47

Realized G/L Hld-to-Maturity Sec 0 0 0 0 0 N/A Realized G/L Avail-for Sale Sec 552 2,072 3,799 1,155 142 -73.36 Pretax Net Operating Inc (TE) -10,257 -12,238 -44,804 5,885 10,394 16.19

Applicable Income Taxes 0 196 -2,768 1,038 3,080 -100 Current Tax Equiv Adjustment 0 0 0 551 445 N/A Other Tax Equiv Adjustments 0 0 0 0 0 N/A Applicable Income Taxes (TE) 0 196 -2,768 1,589 3,525 -100

Net Operating Income -10,257 -12,434 -42,036 4,296 6,869 17.51

Net Extraordinary Items 0 0 0 0 0 N/A Net Inc Noncontrolling Minority Interests 0 0 0 0 N/A N/A Net Income -10,257 -12,434 -42,036 4,296 6,869 17.51

Cash Dividends Declared 0 0 0 0 1,000 N/A Retained Earnings -10,257 -12,434 -42,036 4,296 5,869 17.51 Memo: Net International Income N/A N/A N/A N/A N/A N/A

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Non Int Inc, Exp, YieldsOCC Charter # 0 County: ONE Noninterest Income, Expenses and Yields--Page 3Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Average Assets BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Personnel Expense 1.52 1.56 49 1.46 1.50 47 1.74 1.47 75 2.00 1.45 87 2.57 1.53 96 Occupancy Expense 0.59 0.36 91 0.56 0.37 88 0.56 0.38 86 0.59 0.39 88 0.70 0.40 93 Other Oper Exp (Incl Intangibles) 1.89 0.99 94 1.54 1.04 88 2.43 1.06 96 1.16 1.09 64 1.35 0.93 86 Total Overhead Expense 4.00 2.93 89 3.56 2.93 80 4.73 2.94 95 3.75 2.97 84 4.62 2.91 93 Overhead Less Nonint Inc 3.05 2.09 91 2.13 2.19 47 3.12 2.17 91 1.89 2.18 33 2.19 2.06 60 Other Income & Expense Ratios: Efficiency Ratio 114.33 66.82 97 87.95 67.91 87 99.96 68.42 92 69.77 71.47 54 70.17 66.05 64 Avg Personnel Exp Per Empl($000) 54.52 68.31 18 40.35 65.25 0 47.69 63.41 9 49.91 62.11 16 49.09 60.94 17 Assets Per Employee ($Million) 3.17 4.71 13 2.61 4.62 3 2.70 4.54 6 2.68 4.60 6 2.12 4.39 1

Yield on or Cost of: Total Loan & Leases (TE) 5.43 5.64 37 5.21 5.84 11 5.83 5.97 39 6.42 6.06 75 7.80 6.77 95 Loans in Domestic Offices 5.43 5.62 38 5.21 5.82 12 5.83 5.95 41 6.39 6.04 74 7.74 6.75 93 Real Estate 5.26 5.58 28 4.95 5.76 6 5.58 5.88 27 6.08 5.99 55 7.36 6.69 88 Secured by 1-4 Fam Resi Prop 7.19 5.55 92 6.87 5.76 88 6.62 5.93 77 6.57 6.09 71 8.23 6.72 90 All Other Loans Sec Real Estate 4.51 5.61 4 4.17 5.78 1 5.09 5.86 11 5.86 5.94 44 7.04 6.72 70 Commercial & Industrial 6.08 5.75 69 6.28 5.93 68 7.25 6.06 85 7.69 6.03 92 8.23 6.84 88 Individual 10.03 7.26 89 10.60 7.50 91 11.58 7.63 94 12.72 7.76 96 13.66 8.16 97 Credit Card 8.25 9.12 45 8.20 9.70 42 8.20 9.01 46 7.19 9.18 29 9.30 9.51 48 Agricultural 5.54 5.81 41 0.55 6.03 0 1.08 6.20 0 3.78 6.27 4 6.46 7.01 30 Loans in Foreign Offices N/A 4.24 N/A N/A 4.62 N/A N/A 6.10 N/A N/A 6.56 N/A N/A 6.44 N/A Total Investment Securities (TE) 1.98 2.71 20 2.51 3.19 22 3.39 3.68 38 4.74 4.44 63 5.07 5.02 51 Total Investment Securities (Book) 1.98 2.38 27 2.51 2.87 30 3.39 3.34 51 4.52 4.13 70 4.96 4.67 72 US Treas & Agency (Excl MBS) 1.68 1.74 49 1.59 2.10 31 3.91 2.58 86 5.52 3.57 95 4.89 4.57 63 Mortgage Backed Securities 1.86 2.34 29 2.62 3.10 30 3.26 3.76 30 4.57 4.58 47 5.12 4.99 60 All Other Securities 3.14 3.27 41 4.40 3.65 82 3.57 3.86 32 3.55 4.10 21 3.06 4.27 6 Interest-Bearing Bank Balances 0.23 0.30 29 0.22 0.33 27 0.14 0.39 18 0.03 0.63 15 0.12 2.22 6 Federal Funds Sold & Resales N/A 0.17 N/A 0.27 0.18 79 0.23 0.21 60 0.25 0.24 62 2.70 2.10 87 Total Interest Bearing Deposits 1.22 0.76 91 1.29 1.03 75 1.71 1.40 75 2.22 1.98 64 2.76 2.87 43 Transaction accounts 0.16 0.31 31 0.26 0.41 40 0.47 0.54 54 0.46 0.66 41 0.69 1.09 32 Other Savings Deposits 0.38 0.36 57 0.41 0.50 42 0.77 0.70 60 0.89 0.92 53 1.44 1.56 46 Time Deps Over $100M 1.48 1.26 71 1.60 1.57 55 2.01 2.00 53 3.50 2.79 88 3.26 3.95 9 All Other Time Deposits 1.87 1.28 88 2.05 1.63 79 2.63 2.09 85 2.97 2.89 57 4.45 3.97 85 Foreign Office Deposits N/A 0.25 N/A N/A 0.23 N/A N/A 0.51 N/A N/A 0.81 N/A N/A 2.10 N/A

Federal Funds Purchased & Repos N/A 0.55 N/A N/A 0.61 N/A 3.44 0.78 95 3.53 0.91 95 3.15 2.32 83 Other Borrowed Money 4.24 2.56 86 4.18 2.69 85 4.04 3.09 75 4.03 3.13 72 3.92 3.67 57 Subord Notes & Debentures N/A 4.65 N/A N/A 4.86 N/A N/A 5.21 N/A N/A 4.65 N/A N/A 5.24 N/A All Interest-Bearing Funds 1.32 0.85 90 1.43 1.13 76 1.86 1.51 75 2.36 2.07 67 2.84 2.94 42

Non-interest Income & Expenses Fiduciary Activities 0 0 0 0 0 Deposit Service Charges 10,021 10,052 11,265 11,688 12,014 Trading, Vent Cap, Securtz Inc 0 0 0 0 0 Inv Banking, Advisory Inc 61 0 0 0 0 Insurance Comm & Fees 15 14 49 79 94 Net Servicing Fees 0 0 0 0 0 Loan & Lse Net Gains/Loss 158 244 0 0 0 Other Net Gains/Losses -8,499 -3,565 -714 -14 -7 Other Non-interest Income 5,712 6,314 5,115 5,253 4,687 Non-interest Income 7,468 13,059 15,715 17,006 16,788 Personnel Expense 11,995 13,357 16,979 18,268 17,771 Occupancy Expense 4,660 5,119 5,458 5,410 4,816 Goodwill Impairment 0 0 10,057 0 0 Other Intangible Amortiz 818 1,065 1,195 1,085 866 Other Oper Exp(incl Intangibles) 14,115 13,008 12,468 9,470 8,454 Non-Interest Expense 31,588 32,549 46,157 34,233 31,907 Domestic Banking Offices(#) 31 32 32 32 30 Foreign Branches (#) 0 0 0 0 0 Assets Per Domestic Office 22,494 27,037 29,996 30,687 25,628

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Balance Sheet $OCC Charter # 0 County: ONE Balance Sheet $--Page 4Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year

Assets: Real Estate Loans 359,234 462,537 537,478 604,053 466,453 -8.84 -22.33 Commercial Loans 48,063 66,377 77,090 68,257 47,765 -6.16 -27.59 Individual Loans 14,324 17,608 21,280 23,440 24,344 -4.67 -18.65 Agricultural Loans 983 1,575 1,304 696 918 -21.30 -37.59 Other LN&LS in Domestic Offices 3,400 3,450 3,500 4,684 1,162 -1.45 -1.45 LN&LS in Foreign Offices N/A N/A N/A N/A N/A N/A N/A Loans Held for Sale 0 0 0 0 0 N/A N/A Loans not Held for Sale 426,004 551,547 640,652 701,129 540,635 -8.38 -22.76 LN&LS Allowance 17,599 22,943 30,124 10,443 7,431 -3.96 -23.29 Net Loans & Leases 408,405 528,604 610,528 690,686 533,204 -8.57 -22.74 U.S. Treasury & Agency Securities 82,321 73,821 102,093 124,505 112,436 -4.39 11.51 Municipal Securities 15,751 3,691 13,467 25,478 9,145 0.40 326.74 Foreign Debt Securities 0 0 0 0 0 N/A N/A All Other Securities 0 0 0 0 5,277 N/A N/A Interest-Bearing Bank Balances 107,464 169,098 133,317 11,515 13,351 -0.42 -36.45 Federal Funds Sold & Resales 0 0 0 27,511 11,593 N/A N/A Trading Account Assets 0 0 0 0 0 N/A N/A Total Investments 205,536 246,610 248,877 189,009 151,802 -1.99 -16.66 Total Earning Assets 613,941 775,214 859,405 879,695 685,006 -6.46 -20.80

Nonint Cash & Due From Banks 15,638 17,176 17,093 18,452 19,916 -0.49 -8.95 Premises, Fix Assts, Cap Leases 23,932 25,332 27,259 27,477 23,768 -1.21 -5.53 Other Real Estate Owned 20,433 21,647 16,602 5,337 2,358 -12.15 -5.61 Dir & Indir Inv RE Ventures 0 0 0 0 0 N/A N/A Inv in Unconsolidated Subs 0 0 0 0 0 N/A N/A Acceptances & Oth Assets 23,395 25,833 39,542 51,051 37,804 4.73 -9.44 Total Assets 697,339 865,202 959,901 982,012 768,852 -6.01 -19.40 Average Assets During Quarter 716,669 897,244 961,887 980,024 743,089 -6.67 -20.13

Liabilities: Demand Deposits 101,831 97,781 96,275 90,967 87,031 -1.71 4.14 All Now & ATS Accounts 99,514 120,965 155,368 126,000 111,967 6.78 -17.73 Money Market Deposit Accounts 61,210 52,989 112,899 105,997 69,119 4.69 15.51 Other savings Deposits 49,810 40,052 40,444 40,363 37,841 -0.78 24.36 Time Deps At Or Below Insurance Limit 331,754 457,201 415,527 273,855 240,062 -10.68 -27.44 Less: Fully Insured Brokered Deposits 83,459 97,753 187,009 140,009 134,333 -0.51 -14.62 Core Deposits 560,660 671,235 633,504 497,173 411,687 -5.45 -16.47 Fully Insured Brokered Deposits 83,459 97,753 187,009 140,009 134,333 -0.51 -14.62 Time Deps Above Insurance Limit 9,744 23,713 47,908 186,800 82,977 -49.39 -58.91 Deposits in Foreign Offices 0 0 0 0 0 N/A N/A Total Deposits 653,863 792,701 868,423 823,982 628,998 -6.07 -17.51 Federal Funds Purch & Resale 0 0 0 21,000 24,000 N/A N/A Fed Home Loan Bor Mat < 1 Year 17,000 20,000 5,000 0 0 0.00 -15.00 Fed Home Loan Bor Mat > 1 Year 0 17,000 37,000 42,000 42,000 N/A -100.00 Oth Borrowing Mat < 1 Year 0 0 136 129 0 N/A N/A Oth Borrowing Mat > 1 Year 0 0 0 0 197 N/A N/A Acceptances & Other Liabilities 3,656 2,418 4,325 6,283 4,968 24.35 51.20 Total Liabilities (Incl Mortg) 674,519 832,119 914,884 893,394 700,163 -5.80 -18.94 Subordinated Notes & Debentures 0 0 0 0 0 N/A N/A Total Bank Capital & Min Int 22,820 33,083 45,017 88,618 68,689 -11.64 -31.02 Total Liabilities & Capital 697,339 865,202 959,901 982,012 768,852 -6.01 -19.40

Memoranda: Officers, Shareholder Loans (#) 4 5 9 8 7 Officers, Shareholder Loans ($) 4,251 11,599 26,327 19,932 18,728 -57.15 -63.35 Held-to-Maturity Securities 230 450 665 10,714 1,420 0.00 -48.89 Available-for-Sale Securities 97,842 77,062 114,895 139,269 125,438 -3.66 26.97 All Brokered Deposits 83,459 97,753 187,009 188,720 134,333 -0.51 -14.62

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Off Balance Sheet ItemsOCC Charter # 0 County: ONE Off Balance Sheet Items--Page 5Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year

Outstanding (% of Total) BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Home Equity (1-4 Family) 1.14 1.48 47 1.02 1.53 43 1.08 1.57 43 1.09 1.67 42 0.76 1.82 32 Credit Card 1.27 0.17 93 1.04 0.17 90 0.94 0.19 87 0.86 0.20 85 1.01 0.20 88 Commercial RE Secured by RE 0.19 1.83 9 0.74 1.52 32 0.66 1.48 29 1.70 1.78 54 3.44 2.89 65 1-4 Family Residential 0.15 0.46 34 0.19 0.34 43 0.17 0.35 42 0.59 0.40 71 1.15 0.69 75 Comml RE, Oth Const & Land 0.04 1.17 10 0.55 1.03 36 0.49 0.97 34 1.11 1.18 52 2.28 1.91 62 Commercial RE Not Secured by RE 0.00 0.00 87 0.00 0.00 86 0.00 0.01 85 0.00 0.01 81 0.00 0.02 80 All Other 3.19 5.81 29 3.00 5.47 30 2.41 5.27 24 4.60 5.26 49 3.30 5.81 29 Total LN&LS Commitments 5.79 10.13 22 5.80 9.48 25 5.09 9.33 21 8.26 9.76 42 8.50 11.74 29 Securities Underwriting 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

Standby Letters of Credit 0.60 0.32 78 0.72 0.35 81 0.00 0.38 10 0.00 0.42 9 0.00 0.54 8 Amount Conveyed to Others N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A 0.00 0.00 93 Commercial Letters of Credit 0.00 0.01 87 0.00 0.01 85 0.74 0.01 97 0.65 0.01 97 0.93 0.01 97

Assets Securitized or Sold w/Rec 0.41 0.25 85 0.33 0.23 85 0.00 0.22 82 0.00 0.14 84 0.00 0.12 84 Amount of Recourse Exposure 0.32 0.03 91 0.33 0.02 92 0.00 0.02 83 0.00 0.01 85 0.00 0.01 85

Credit Derivatives Bank as Guarantor 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.01 99 0.00 0.00 99 Credit Derivatives Bank as Beneficiary 0.00 0.03 99 0.00 0.01 99 0.00 0.00 99 0.00 0.01 99 0.00 0.01 99

All Oth Off-Balance Sheet Items 0.00 0.08 88 0.00 0.09 86 0.00 0.12 86 0.19 0.12 87 0.24 0.15 87

Off-Balance Sheet Items 6.81 11.76 24 6.85 11.09 25 5.83 11.13 21 9.11 11.41 40 9.68 13.61 29

Outstanding ($000) Home Equity (1-4 Family) 7,935 8,811 10,360 10,752 5,841 -0.23 -9.94 Credit Card 8,870 9,008 9,066 8,489 7,755 -0.98 -1.53 Commercial RE Secured by RE 1,325 6,386 6,363 16,736 26,419 -19.65 -79.25 1-4 Family Residential 1,035 1,608 1,666 5,838 8,865 -20.14 -35.63 Commercial RE, Oth Const & Land 290 4,778 4,697 10,898 17,554 -17.85 -93.93 Commercial RE Not Secured by RE 0 0 0 0 0 N/A N/A All Other 22,268 25,959 23,090 45,158 25,366 -7.19 -14.22 Securities Underwriting 0 0 0 0 0 N/A N/A Memo: Unused Commit w/mat GT 1 YR 19,566 25,574 32,479 46,490 43,110 10.81 -23.49

Standby Letters of Credit 4,210 6,215 0 0 0 -5.82 -32.26 Amount Conveyed to Others N/A N/A N/A N/A 0 N/A N/A Commercial Letters of Credit 0 0 7,084 6,426 7,179 N/A N/A

Assets Securitized or Sold w/recourse 2,858 2,861 0 0 0 23.40 -0.10 Amount of Recourse Exposure 2,260 2,861 0 0 0 -2.42 -21.01

Credit Derivatives Bank as Guarantor 0 0 0 0 0 N/A N/A Credit Derivatives Bank as Beneficiary 0 0 0 0 0 N/A N/A

All Oth Off-Balance Sheet Items 0 0 0 1,868 1,868 N/A N/A

Off-Balance Sheet Items 47,466 59,240 55,963 89,429 74,428 -3.79 -19.88

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Derivative InstrumentsOCC Charter # 0 County: ONE Derivative Instruments--Page 5APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Notional Amount ($000) Derivative Contracts 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0

Derivatives Position Future and Forwards 0 0 0 0 0 Written Options 0 0 0 0 0 Exchange Traded 0 0 0 0 0 Over-the-Counter 0 0 0 0 0 Purchased Options 0 0 0 0 0 Exchange Traded 0 0 0 0 0 Over-the-Counter 0 0 0 0 0 Swaps 0 0 0 0 0

Held-for-Trading 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0 Non-Traded 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0 Memo: Marked-to-Market 0 0 0 0 0

Derivative Contracts (RBC Def) 0 0 0 0 0 One Year or Less 0 0 0 0 0 Over 1 Year to 5 Years 0 0 0 0 0 Over 5 Years 0 0 0 0 0

Gross Negative Fair Value 0 0 0 0 0 Gross Positive Fair Value 0 0 0 0 0 Held-for-Trading 0 0 0 0 0 Non-Traded 0 0 0 0 0 Memo: Marked-to-Market 0 0 0 0 0 Curr Credit Exp on RBC Derivatives Contr 0 0 0 0 0 Credit Losses Off_BS Derivatives 0 0 0 0 0

Past Due Derivatives Instruments: Fair Value Carried as Assets 0 0 0 0 0

Impact Nontraded Derivatives Contracts: Increase (Decr) in Interest Inc N/A N/A N/A N/A N/A Increase (Decr) in Interest Exp N/A N/A N/A N/A N/A Increase (Decr) in Nonint ALLOC N/A N/A N/A N/A N/A Increase (Decr) in Net Income N/A N/A N/A N/A N/A

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Derivative AnalysisOCC Charter # 0 County: ONE Derivative Analysis--Page 5BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Notional Amounts BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Interest Rate Contracts N/A 98.60 N/A N/A 98.33 N/A N/A 97.18 N/A N/A 97.91 N/A N/A 82.28 N/A Foreign Exchange Contracts N/A 0.80 N/A N/A 0.84 N/A N/A 0.64 N/A N/A 1.52 N/A N/A 0.66 N/A Equity, Comm & Oth Contracts N/A 0.60 N/A N/A 0.83 N/A N/A 2.18 N/A N/A 0.00 N/A N/A 0.12 N/A

Derivatives Position Futures and Forwards N/A 24.35 N/A N/A 23.10 N/A N/A 23.62 N/A N/A 23.88 N/A N/A 19.76 N/A Written Options N/A 23.47 N/A N/A 22.58 N/A N/A 23.49 N/A N/A 23.72 N/A N/A 25.58 N/A Exchange Traded N/A 0.00 N/A N/A 0.39 N/A N/A 0.29 N/A N/A 0.61 N/A N/A 0.57 N/A Over-the-Counter N/A 23.47 N/A N/A 22.36 N/A N/A 23.40 N/A N/A 23.54 N/A N/A 25.40 N/A Purchased Options N/A 0.02 N/A N/A 0.16 N/A N/A 0.28 N/A N/A 0.59 N/A N/A 1.88 N/A Exchange Traded N/A 0.37 N/A N/A 0.75 N/A N/A 0.59 N/A N/A 1.18 N/A N/A 0.58 N/A Over-the-Counter N/A 0.00 N/A N/A 0.00 N/A N/A 0.07 N/A N/A 0.12 N/A N/A 0.82 N/A Swaps N/A 7.14 N/A N/A 6.23 N/A N/A 6.63 N/A N/A 5.71 N/A N/A 7.83 N/A

Held-for-Trading N/A 2.68 N/A N/A 1.66 N/A N/A 1.24 N/A N/A 1.17 N/A N/A 1.21 N/A Interest Rate Contracts N/A 2.68 N/A N/A 1.66 N/A N/A 1.24 N/A N/A 1.16 N/A N/A 1.21 N/A Foreign Exchange Contracts N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.30 N/A N/A 0.29 N/A Equity, Comm & Oth Contracts N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Non-Traded N/A 7.20 N/A N/A 6.27 N/A N/A 6.40 N/A N/A 4.79 N/A N/A 9.52 N/A Interest Rate Contracts N/A 9.08 N/A N/A 11.12 N/A N/A 15.63 N/A N/A 18.18 N/A N/A 18.91 N/A Foreign Exchange Contracts N/A 0.80 N/A N/A 0.84 N/A N/A 0.64 N/A N/A 1.21 N/A N/A 0.37 N/A Equity, Comm & Oth Contracts N/A 0.60 N/A N/A 0.83 N/A N/A 2.18 N/A N/A 0.00 N/A N/A 0.12 N/A Memo: Marked-to-Market N/A 7.20 N/A N/A 6.27 N/A N/A 6.40 N/A N/A 4.79 N/A N/A 9.52 N/A

Derivative Contracts (RBC Def) N/A 36.43 N/A N/A 37.37 N/A N/A 36.19 N/A N/A 35.58 N/A N/A 34.36 N/A One Year or Less N/A 22.87 N/A N/A 23.55 N/A N/A 23.41 N/A N/A 24.47 N/A N/A 20.67 N/A Over 1 Year to 5 Years N/A 5.37 N/A N/A 7.09 N/A N/A 6.07 N/A N/A 5.16 N/A N/A 7.52 N/A Over 5 Years N/A 7.21 N/A N/A 5.34 N/A N/A 5.67 N/A N/A 4.85 N/A N/A 5.19 N/A

Gross Negative Fair Value N/A 0.58 N/A N/A 0.72 N/A N/A 0.60 N/A N/A 0.59 N/A N/A 0.86 N/A Gross Positive Fair Value N/A 0.68 N/A N/A 0.63 N/A N/A 0.58 N/A N/A 0.57 N/A N/A 0.74 N/A

By Tier One Capital: Gross Negative Fair Value (x) 0.00 0.00 85 0.00 0.00 87 0.00 0.00 86 0.00 0.00 87 0.00 0.00 85 Gross Positive Fair Value (x) 0.00 0.00 82 0.00 0.00 83 0.00 0.00 83 0.00 0.00 85 0.00 0.00 84 Held-for-Trading (x) 0.00 0.03 95 0.00 0.02 96 0.00 0.02 97 0.00 0.02 97 0.00 0.01 97 Non-Traded (x) 0.00 0.05 71 0.00 0.04 71 0.00 0.04 73 0.00 0.02 74 0.00 0.04 73 Non-Traded Marked-to-Mkt(x) 0.00 0.05 71 0.00 0.04 71 0.00 0.04 73 0.00 0.02 74 0.00 0.04 73 Current Credit Exposure (x) 0.00 0.00 91 0.00 0.00 92 0.00 0.00 92 0.00 0.00 93 0.00 0.00 91 Credit Losses on Derivatives 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

Past Due Derivative Instruments: Fair Value Carried as Assets 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

Other Ratios: Cur Credit Exposure/Risk WT AST 0.00 0.00 91 0.00 0.00 91 0.00 0.00 92 0.00 0.00 92 0.00 0.00 91 Credit Losses on Derivatives/CR Allow 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.02 99 Impact Nontraded Derivatives Contracts: Incr(Dec) Interest Inc/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Interest Exp/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Nonint ALLOC/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Net Income/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Balance Sheet %OCC Charter # 0 County: ONE Balance Sheet Percentage Composition--Page 6Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Average Assets BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Loans Held For Sale 0.00 0.28 42 0.00 0.19 43 0.00 0.21 44 0.00 0.18 48 0.00 0.12 51 Loans Not Held For Sale 61.67 62.78 43 65.30 64.47 50 70.66 67.52 56 70.73 70.54 46 69.54 72.22 37 Less: LN&LS Allowance 2.53 1.12 95 2.78 1.22 95 1.84 1.24 83 0.95 1.13 42 0.95 0.92 58 Net Loans & Leases 59.14 62.60 37 62.52 63.82 43 68.82 66.81 53 69.78 69.85 45 68.59 71.59 36

Interest-Bearing Bank Balances 18.65 5.64 95 15.03 5.13 93 4.76 4.27 61 1.18 2.35 45 0.41 0.59 61 Federal Funds Sold & Resales 0.00 0.52 45 0.00 0.68 39 1.14 0.87 68 2.56 1.19 79 1.40 1.46 58 Trading Account Assets 0.00 0.01 96 0.00 0.01 97 0.00 0.02 97 0.00 0.04 97 0.00 0.09 95 Held-to-Maturity Securities 0.05 0.68 64 0.06 0.71 65 0.57 0.78 73 0.42 1.09 67 0.29 1.16 65 Available-for-Sale Securities 11.10 19.93 28 12.14 18.88 33 13.78 16.56 46 15.90 15.23 57 17.27 14.83 64

Total Earning Assets 88.94 92.00 14 89.76 91.72 22 89.08 91.63 17 89.83 91.87 22 87.96 91.87 9

Nonint Cash & Due From Banks 2.02 1.96 58 1.76 1.82 54 1.87 1.78 61 1.97 2.03 54 3.67 2.37 89 Premises, Fix Assts & Cap Leases 3.10 1.74 88 2.87 1.78 83 2.85 1.82 81 2.82 1.88 79 2.97 1.92 81 Other Real Estate Owned 2.90 0.70 92 2.10 0.82 85 1.02 0.76 68 0.41 0.52 54 0.15 0.24 52 Dir & Indir Inv RE Ventures 0.00 0.01 95 0.00 0.01 95 0.00 0.01 95 0.00 0.00 91 0.00 0.00 91 Inv in Unconsolidated Subs 0.00 0.00 86 0.00 0.00 86 0.00 0.00 86 0.00 0.00 86 0.00 0.00 88 Acceptances & Other Assets 3.05 3.12 48 3.51 3.31 57 5.17 3.49 84 4.97 3.26 85 5.25 3.25 87 Total Non-Earning Assets 11.06 8.00 85 10.24 8.28 77 10.92 8.37 82 10.17 8.13 77 12.04 8.13 90 Total Assets 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Standby Letters of Credit 0.63 0.34 79 0.41 0.37 62 0.00 0.41 8 0.00 0.47 7 0.00 0.59 7

Liabilities Demand Deposits 13.18 9.19 74 10.61 7.94 72 9.77 6.86 74 10.43 6.33 82 13.95 6.46 92 All NOW & ATS Accounts 12.87 6.23 84 14.66 5.64 91 13.74 5.03 92 12.76 4.48 92 14.44 3.97 97 Money Market Deposit Accounts 7.59 18.36 19 9.74 17.73 28 11.67 16.37 38 9.98 15.58 35 11.66 15.59 43 Other Savings Deposits 6.15 15.35 32 4.49 14.20 26 4.33 13.05 28 4.36 11.92 29 5.72 11.53 40 Time Deps At or Below Insurance Limit 50.77 26.10 96 48.00 29.04 92 39.35 29.83 79 30.67 22.28 81 26.67 22.56 67 Less: Fully Insured Brokered Deposits 11.31 1.89 92 14.90 2.44 94 18.06 3.20 93 17.20 3.98 90 11.70 3.84 84 Core Deposits 79.25 76.88 57 72.59 75.37 33 60.80 70.80 16 51.01 59.05 25 60.75 58.65 52 Fully Insured Brokered Deposits 11.31 1.89 92 14.90 2.44 94 18.06 3.20 93 17.20 3.98 90 11.70 3.84 84 Time Deps Above Insurance Limit 2.40 4.42 26 3.45 4.80 39 7.61 7.60 56 14.54 16.98 39 11.52 15.79 29 Deposits in Foreign Offices 0.00 0.07 99 0.00 0.10 98 0.00 0.11 98 0.00 0.11 98 0.00 0.21 98 Total Deposits 92.96 84.43 99 90.95 83.91 95 86.46 83.10 70 82.74 81.89 51 83.96 80.38 67

Federal Funds Purch & Repos 0.00 1.08 41 0.00 1.27 38 0.87 1.35 56 2.49 1.52 72 1.37 1.95 51 Total Fed Home Loan Borrowings 3.14 2.53 62 4.15 3.04 65 4.35 3.88 57 4.59 4.93 49 4.41 5.71 43 Total Other Borrowings 0.00 0.01 80 0.01 0.03 70 0.01 0.07 67 0.41 0.14 85 0.03 0.11 66 Memo: Sht Ter N Core Funding 7.07 7.13 55 11.16 9.57 66 24.62 17.57 80 17.00 20.53 38 13.36 20.36 20

Acceptances & Other Liabilities 0.36 0.63 26 0.35 0.63 22 0.60 0.64 51 0.69 0.69 55 0.81 0.74 63 Total Liabilities (Incl Mortg) 96.46 89.65 99 95.45 89.96 97 92.29 90.27 88 90.93 90.62 50 90.58 90.45 44

Subordinated Notes & Debentures 0.00 0.03 96 0.00 0.05 95 0.00 0.00 94 0.00 0.00 94 0.00 0.00 93 Total Bank Capital & Min Int 3.54 10.32 0 4.55 9.99 2 7.71 9.68 12 9.08 9.32 50 9.42 9.49 56 Total Liabilities & Capital 100.00 100.00 96 100.00 100.00 97 100.00 100.00 96 100.00 100.00 96 100.00 100.00 97

Memo: All Brokered Deposits 11.31 2.05 92 14.90 2.64 93 19.07 3.68 93 20.19 4.97 91 12.62 4.20 84 Insured Brokered Deposits 11.31 1.89 92 14.90 2.44 94 15.80 3.36 91 17.20 3.98 90 11.70 3.84 84

Loans HFS as a % Loans 0.00 0.45 42 0.00 0.30 43 0.00 0.31 44 0.00 0.26 48 0.00 0.17 50

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Allowance & Loan Mix-aOCC Charter # 0 County: ONE Analysis of Credit Allowance and Loan Mix--Page 7Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Analysis Ratios BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Loss Provision to Average Assets 0.87 0.30 90 2.05 0.53 94 4.99 0.80 98 1.11 1.12 61 0.48 0.62 55 Recoveries to Prior Credit Loss 6.30 16.10 31 4.29 12.60 27 13.99 10.79 71 48.89 17.41 90 52.52 30.09 81

Net Loss to Average Total LN&LS 2.48 0.51 95 4.31 0.80 98 4.19 1.01 95 1.08 1.12 62 0.37 0.53 53 Gross Loss to Average Total LN&LS 2.83 0.62 95 4.53 0.91 97 4.38 1.11 95 1.38 1.20 68 0.82 0.58 73 Recoveries to Average Total LN&LS 0.35 0.09 93 0.22 0.09 86 0.18 0.08 85 0.30 0.06 94 0.45 0.05 98

LN&LS Allowance to LN&LS Not HFS 4.13 1.77 96 4.16 1.93 94 4.70 1.97 95 1.49 1.87 38 1.37 1.43 54 LN&LS Allowance to Total LN&LS 4.13 1.74 96 4.16 1.90 94 4.70 1.94 95 1.49 1.85 39 1.37 1.42 55 LN&LS Allowance to Net Losses (X) 1.44 7.41 13 0.88 4.85 8 1.04 3.72 16 1.47 3.28 33 4.10 5.96 52 LN&LS Allowance to Nonaccrual LN&LS (X) 0.38 1.76 8 0.29 1.33 5 0.51 1.22 29 1.95 1.13 82 1.60 1.69 67

Earnings Coverage of Net Losses (X) -0.32 11.79 3 0.17 7.50 9 0.00 5.56 7 2.01 4.74 45 7.24 9.99 58

Net Losses by Type of LN&LS Real Estate Loans 2.45 0.45 95 4.33 0.74 97 4.33 0.91 96 0.89 0.97 61 -0.01 0.39 1 Loans to Finance Comml Real Estate 0.00 0.00 93 0.00 0.03 92 0.00 0.73 86 0.00 0.27 88 N/A 0.00 N/A Construction & Land Development 5.30 1.06 90 9.56 1.99 92 10.82 2.59 91 1.47 2.46 53 0.05 0.86 44 1-4 Family Construction 0.00 0.46 74 4.39 1.36 85 15.82 1.69 94 6.11 2.35 81 0.00 0.81 58 Other Construction & Land 5.63 1.05 90 9.82 1.92 92 10.30 2.46 90 0.51 2.14 49 0.06 0.71 58 Secured by Farmland 0.00 0.04 84 1.06 0.05 94 0.39 0.06 89 0.00 0.02 86 -0.69 0.00 0 Single & Multifamily Mortgage 2.22 0.40 95 4.24 0.61 97 2.33 0.68 89 0.74 0.65 69 -0.17 0.26 0 Home Equity Loans 3.14 0.30 97 1.49 0.45 85 0.61 0.44 71 0.71 0.43 74 0.00 0.15 64 1-4 Family Non-Revolving 2.36 0.40 95 4.91 0.63 97 2.47 0.70 89 0.72 0.69 67 -0.21 0.25 0 Multifamily Loans -0.14 0.16 2 1.54 0.32 87 2.67 0.39 89 0.93 0.28 86 0.00 0.05 88 Non-Farm Non-Residential Mtg 1.41 0.34 90 1.59 0.47 89 1.33 0.49 84 0.57 0.35 73 0.21 0.12 77 Owner Occupied Nonfarm Nonresidential 1.81 0.27 93 2.05 0.37 93 1.18 0.39 85 0.58 0.27 78 0.20 0.08 81 Other Nonfarm Nonresidential 0.04 0.32 55 0.25 0.48 57 1.85 0.47 87 0.56 0.34 76 0.22 0.10 83 RE Loans in Foreign Offices N/A 0.07 N/A N/A 0.00 N/A N/A -85.65 N/A N/A 41.86 N/A N/A 0.00 N/A

Agricultural Loans 0.00 0.01 85 0.00 0.02 82 0.00 0.06 78 0.00 0.05 78 0.00 0.01 85 Commercial and Industrial Loans 2.47 0.65 88 4.57 0.97 92 3.95 1.17 89 1.58 1.44 65 1.72 0.70 83 Lease Financing N/A 0.01 N/A N/A 0.00 N/A N/A 0.11 N/A N/A 0.41 N/A N/A 0.14 N/A Loans to Individuals 5.10 0.57 96 6.31 0.69 96 4.43 0.97 94 2.48 1.24 82 1.64 0.86 81 Credit Card Plans 3.46 1.62 82 6.24 2.00 88 3.86 2.59 70 5.50 3.12 77 4.19 2.42 77

All Other Loans & Leases 0.00 0.25 66 0.00 0.20 65 0.00 0.27 62 4.83 0.43 93 8.54 0.27 96 Loans to Foreign Governments N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Change: Credit Allowance ($000) Beginning Balance 22,943 30,124 10,443 7,431 5,933 Gross Credit Losses 13,911 27,246 30,203 9,037 3,980 Memo: Loans HFS Write-down 0 0 0 0 0 Recoveries 1,717 1,295 1,264 1,946 2,168 Net Credit Losses 12,194 25,951 28,939 7,091 1,812

Provision: Loan & Lease Losses 6,850 18,770 48,620 10,103 3,310 Other Adjustments 0 0 0 0 0 LN&LS Allowance 17,599 22,943 30,124 10,443 7,431

Average Total Loans & Leases 492,297 601,721 689,854 653,775 485,805

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Allowance & Loan Mix-bOCC Charter # 0 County: ONE Analysis of Credit Allowance and Loan Mix--Page 7APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Loan Mix, % Average Gross LN&LS BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Construction & Development 18.64 6.89 96 20.35 7.95 94 24.18 9.68 93 27.39 12.70 90 27.14 15.25 82 1-4 Family Construction 1.09 1.40 47 0.97 1.52 41 2.30 2.02 64 4.69 3.11 75 5.05 4.44 64 Other Const & Land Development 17.55 5.17 97 19.38 6.08 96 21.88 7.33 95 22.70 9.17 92 22.10 10.27 88 1-4 Family Residential 23.60 25.16 49 24.28 24.39 51 26.85 24.09 61 25.99 23.82 59 23.05 22.52 54 Home Equity Loans 3.07 3.24 53 2.73 3.43 48 2.54 3.47 45 2.01 3.48 38 1.20 3.16 29 Other Real Estate Loans 42.07 41.92 50 39.04 41.98 40 33.70 40.45 28 32.55 37.74 33 34.26 35.51 47 Farmland 3.97 3.52 65 3.75 3.39 64 2.99 3.08 63 3.02 2.64 66 4.45 2.32 76 Multifamily 2.46 3.04 48 2.56 2.94 52 2.89 2.77 60 3.70 2.57 73 4.15 2.32 80 Non-Farm Non-Residential 35.64 33.38 56 32.74 33.71 48 27.83 32.74 36 25.83 30.84 35 25.65 29.31 39 Owner Occupied Non-Farm Non-Residential 27.58 16.57 88 24.37 16.88 81 21.77 16.35 76 16.27 15.34 56 14.16 14.36 50 Other Non-Farm Non-Residential 8.06 16.06 20 8.37 16.15 20 6.06 15.69 14 9.56 14.78 27 11.48 14.31 40 Total Real Estate 84.31 76.58 67 83.68 77.02 66 84.74 77.23 70 85.93 77.54 73 84.44 76.89 70

Financial Institution Loans 0.00 0.00 93 0.00 0.00 92 0.00 0.00 93 0.00 0.00 92 0.00 0.00 92 Agricultural Loans 0.26 2.09 51 0.25 2.00 50 0.13 1.79 47 0.12 1.54 47 0.20 1.40 53 Commercial & Industrial Loans 10.17 13.63 38 10.74 13.38 41 9.64 13.30 34 8.61 13.41 29 8.57 14.09 26 Loans to Individuals 3.19 3.43 58 3.22 3.51 57 3.23 3.73 55 3.72 3.77 60 4.94 3.92 70 Credit Card Loans 0.76 0.07 96 0.63 0.07 94 0.52 0.07 92 0.50 0.07 92 0.56 0.07 94 Municipal Loans 1.37 0.57 80 1.52 0.59 81 1.62 0.54 83 1.32 0.51 81 1.60 0.44 86 Foreign Office Loans & Leases 0.00 0.07 98 0.00 0.06 99 0.00 0.05 99 0.00 0.05 99 0.00 0.08 99 All Other Loans 0.70 0.29 81 0.58 0.28 79 0.64 0.30 79 0.31 0.31 70 0.24 0.32 62 Lease Financing Receivables 0.00 0.05 78 0.00 0.05 77 0.00 0.05 78 0.00 0.05 78 0.00 0.06 76

Supplemental: Loans to Foreign Governments 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Loans to Finance Comml Real Est 0.23 0.10 82 0.20 0.12 80 0.08 0.13 75 0.33 0.16 80 0.00 0.15 67

Memorandum (% of Avg Tot Loans): Loans & Lease Commitments 9.03 16.65 17 8.75 15.33 20 7.35 14.34 19 11.28 14.46 37 12.31 16.71 30 Officer, Shareholder Loans 0.95 1.67 43 2.02 1.61 64 3.96 1.60 86 2.77 1.61 75 3.53 1.68 81 Officer, Shareholder Loans to Assets 0.61 0.96 45 1.34 1.00 66 2.74 1.06 87 2.03 1.11 76 2.44 1.19 80

Other Real Estate Owned % Assets Construction & Land Development 1.75 0.28 93 1.17 0.35 86 0.32 0.33 62 0.11 0.24 55 0.03 0.09 58 Farmland 0.01 0.00 87 0.00 0.00 83 0.00 0.00 81 0.00 0.00 87 0.00 0.00 91 1-4 Family 0.77 0.11 95 0.51 0.14 90 0.29 0.13 80 0.16 0.10 72 0.04 0.05 60 Multifamily 0.00 0.01 77 0.00 0.01 74 0.00 0.01 73 0.00 0.01 80 0.00 0.00 86 Non-Farm Non-Residential 0.36 0.21 75 0.41 0.23 75 0.42 0.18 80 0.15 0.10 69 0.07 0.04 76 Foreclosed GNMA 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Subtotal 2.90 0.70 92 2.10 0.82 85 1.02 0.76 68 0.41 0.52 54 0.15 0.24 52 Direct and Indirect Inv 0.00 0.01 95 0.00 0.01 95 0.00 0.01 95 0.00 0.00 91 0.00 0.00 91 Total 2.90 0.71 91 2.10 0.88 85 1.02 0.77 68 0.41 0.53 53 0.15 0.25 49

Asset Servicing % Assets Mortgage Servicing w/ Recourse 0.00 0.06 88 0.00 0.05 88 0.00 0.04 89 0.00 0.02 91 0.00 0.02 91 Mortgage Servicing w/o Recourse 0.00 3.21 70 0.00 2.81 71 0.00 2.45 72 0.00 2.23 73 0.00 1.64 73 Other Financial Assets 0.00 0.26 86 0.00 0.28 86 0.00 0.30 86 0.00 0.28 86 0.00 0.26 87 Total 0.00 4.94 60 0.00 4.50 61 0.00 4.22 63 0.00 3.62 64 0.00 3.01 64

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Concentrations of CreditOCC Charter # 0 County: ONE Analysis of Concentrations of Credit--Page 7BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Loan & Leases as a % of Total Capital BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Construction & Development 291.03 41.06 99 283.48 47.28 98 291.24 60.61 97 221.76 84.93 92 269.20 111.47 91 1-4 Family Construction 17.89 8.79 80 11.30 9.06 66 16.92 11.36 72 23.55 17.91 70 52.10 29.48 80 Other Const & Land Development 273.14 30.42 99 272.18 36.14 98 274.32 46.58 98 198.21 63.48 93 217.10 78.35 93 1-4 Family Residential 394.88 157.94 94 348.35 160.13 91 330.66 168.53 90 244.01 180.61 74 209.48 174.60 64 Home Equity Loans 54.97 19.91 89 42.58 22.60 77 34.22 25.22 66 21.34 27.49 45 10.68 26.28 32 Other Real Estate Loans 687.88 259.26 98 619.35 270.93 96 466.34 282.38 89 279.67 291.43 48 300.78 279.58 58 Farmland 62.42 21.58 83 56.80 21.05 83 43.02 20.82 77 24.79 19.72 67 33.39 17.80 76 Multifamily 40.91 19.45 84 38.43 19.94 81 33.79 20.21 78 29.13 20.53 73 38.03 17.73 83 Non-Farm Non-Residential 584.56 205.09 98 524.13 217.93 95 389.52 228.29 88 225.75 238.11 49 229.36 230.43 52 Owner Occupied Non-Farm Non-Residential 456.62 101.44 99 395.72 108.76 98 286.61 113.46 96 183.60 118.77 82 117.46 112.76 55 Other Non-Farm Non-Residential 127.94 100.47 67 128.41 105.77 65 102.91 111.00 51 42.16 115.86 16 111.90 112.52 54 Total Real Estate 1,373.80 470.30 99 1,251.18 487.11 97 1,088.23 524.80 96 745.45 569.83 82 779.46 591.13 84

Financial Institution Loans 0.00 0.00 94 0.00 0.00 94 0.00 0.00 94 0.00 0.68 95 0.00 0.77 95 Agricultural Loans 3.76 12.26 59 4.26 11.88 60 2.64 11.30 56 0.86 11.06 48 1.53 9.98 54 Commercial & Industrial Loans 161.03 85.16 86 158.01 86.19 85 138.66 90.55 79 74.23 97.36 39 70.70 104.14 34 Loans to Individuals 54.78 19.47 90 47.63 20.56 87 43.09 23.16 81 28.93 26.05 65 40.68 27.22 75 Credit Card Loans 14.18 0.40 99 10.43 0.41 98 7.70 0.47 98 4.31 0.50 93 5.07 0.48 95 Municipal Loans 22.78 3.26 94 21.54 3.47 93 17.42 3.58 90 10.01 3.65 82 9.12 3.25 82 Foreign Office Loans & Leases 0.00 0.31 99 0.00 0.32 99 0.00 0.24 99 0.00 0.24 99 0.00 0.42 99 All Other Loans 13.00 1.80 93 9.33 1.73 90 7.09 1.98 86 5.78 2.08 83 1.94 2.31 66 Lease Financing Receivables 0.00 0.23 80 0.00 0.27 79 0.00 0.29 80 0.00 0.34 80 0.00 0.44 79

Supplemental: Loans to Foreign Governments 0.00 0.00 99 0.00 0.00 99 0.00 0.01 99 0.00 0.00 99 0.00 0.04 99 Loans to Finance Commercial Real Estate 1.28 0.60 82 3.70 0.72 87 2.02 0.79 83 0.00 0.99 70 0.00 1.05 71

Commercial Real Estate Loans as a % of Total Capital: Non-owner OCC Commercial Real Estate 461.16 169.04 97 454.00 181.87 95 429.96 202.85 92 293.05 233.72 69 419.13 260.09 83 Total Commercial Real Estate 917.78 274.35 98 849.72 293.70 97 716.57 321.04 95 476.65 356.34 76 536.60 380.15 79

Commercial Real Estate Loans as a % of Total LN&LS: Construction & Development 17.86 6.63 96 19.00 7.33 94 22.45 8.80 93 25.63 11.33 91 29.80 14.47 88 Non-owner OCC Commercial Real Estate 28.31 27.35 54 30.43 28.33 57 33.15 29.52 60 33.87 31.41 57 46.39 33.71 76 Total Commercial Real Estate 56.34 44.74 73 56.95 46.32 72 55.24 47.34 66 55.09 48.39 64 59.40 49.54 69

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA PD, Nonacc & Rest Loans-aOCC Charter # 0 County: ONE Analysis of Past Due, Nonaccrual & Restructured--Page 8Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 % of Non-Current LN&LS by Loan Type BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Real Estate LNS-90+ Days P/D 0.02 0.06 61 0.54 0.08 92 0.00 0.11 48 0.00 0.14 45 0.00 0.14 42 -Nonaccrual 12.09 2.13 97 15.05 2.95 97 10.30 3.43 91 0.81 3.32 20 0.89 2.06 37 -Total 12.11 2.28 97 15.59 3.10 97 10.30 3.61 90 0.81 3.55 16 0.89 2.29 32 -30-89 DAYS P/D 2.00 0.87 84 5.41 1.00 98 3.02 1.21 89 2.22 1.41 75 2.18 1.41 75

LNS Fin Coml RE-90+ Days P/D 0.00 0.01 99 0.00 0.00 99 0.00 0.02 98 N/A 0.29 N/A N/A 0.00 N/A -Nonaccrual 0.00 0.93 96 0.00 0.84 95 0.00 0.00 93 N/A 0.03 N/A N/A 0.99 N/A -Total 0.00 0.94 96 0.00 0.84 95 0.00 0.00 93 N/A 0.05 N/A N/A 0.99 N/A -30-89 DAYS P/D 0.00 0.07 98 0.00 0.51 96 0.00 0.17 96 N/A 0.00 N/A N/A 0.00 N/A

Const & Land Dev-90+ Days P/D 0.00 0.01 90 0.39 0.02 93 0.00 0.06 82 0.00 0.09 80 0.00 0.11 75 -Nonaccrual 27.12 5.11 92 33.96 7.78 92 16.22 8.62 75 1.01 8.26 27 0.07 4.60 28 -Total 27.12 5.33 92 34.35 8.02 92 16.22 8.91 75 1.01 8.58 25 0.07 4.97 24 -30-89 DAYS P/D 1.06 0.49 79 3.07 0.68 88 2.86 0.91 84 3.13 1.41 79 0.93 1.64 52

1-4 Fam Cons & L Dev-90+ Days P/D 0.00 0.18 97 0.00 0.25 96 0.00 0.01 93 0.00 0.04 90 0.00 0.08 87 -Nonaccrual 0.00 1.49 76 3.26 4.21 72 7.72 6.25 71 0.00 6.93 48 0.00 4.34 50 -Total 0.00 1.67 74 3.26 4.47 71 7.72 6.54 70 0.00 7.33 46 0.00 4.80 46 -30-89 DAYS P/D 0.00 0.22 84 0.74 0.25 85 1.44 0.56 83 0.75 1.16 68 0.03 1.66 54

Other Const & Land Dev-90+ Days P/D 0.00 0.00 91 0.41 0.01 94 0.00 0.03 86 0.00 0.05 84 0.00 0.06 82 -Nonaccrual 28.90 5.51 92 35.24 8.07 91 16.74 8.37 76 1.13 8.06 34 0.09 4.12 39 -Total 28.90 5.72 92 35.64 8.31 91 16.74 8.65 75 1.13 8.35 32 0.09 4.43 36 -30-89 DAYS P/D 1.13 0.43 81 3.17 0.66 88 2.95 0.79 86 3.41 1.23 82 1.15 1.35 64

Single & Multi Mtg-90+ Days P/D 0.05 0.07 69 0.19 0.09 78 0.00 0.11 57 0.00 0.12 54 0.00 0.12 53 -Nonaccrual 6.85 1.43 95 12.54 1.92 97 11.09 2.09 95 1.37 1.92 51 0.12 1.11 22 -Total 6.90 1.59 94 12.73 2.09 97 11.09 2.27 95 1.37 2.13 46 0.12 1.31 15 -30-89 DAYS P/D 2.54 1.11 84 5.47 1.12 96 2.98 1.29 85 1.89 1.48 65 4.03 1.34 91

Non-Farm Non-Res Mtg-90+ Days P/D 0.00 0.03 83 0.00 0.04 80 0.00 0.05 77 0.00 0.07 74 0.00 0.07 73 -Nonaccrual 8.08 1.82 94 7.02 2.33 89 6.15 2.45 84 0.01 2.10 14 2.80 1.08 83 -Total 8.08 1.94 93 7.02 2.44 88 6.15 2.59 83 0.01 2.27 12 2.80 1.24 81 -30-89 DAYS P/D 1.88 0.63 85 6.94 0.69 98 3.23 0.86 90 1.69 0.95 75 1.74 0.87 78

Own Occ Non-Farm Non-Res-90+ Days P/D 0.00 0.01 88 0.00 0.03 85 0.00 0.03 83 0.00 0.05 81 0.00 0.04 82 -Nonaccrual 8.26 1.65 93 8.16 2.00 92 6.37 2.11 86 0.00 1.81 28 5.46 0.97 93 -Total 8.26 1.77 92 8.16 2.11 92 6.37 2.26 85 0.00 1.95 24 5.46 1.11 92 -30-89 DAYS P/D 2.30 0.63 87 6.44 0.71 97 2.82 0.80 87 2.08 0.91 81 2.75 0.91 83

Other Non-Farm Non-Res-90+ Days P/D 0.00 0.01 91 0.00 0.01 90 0.00 0.01 88 0.00 0.04 86 0.00 0.05 84 -Nonaccrual 7.42 1.66 90 3.48 2.33 69 5.53 2.36 80 0.03 2.03 36 0.00 0.91 48 -Total 7.42 1.76 90 3.48 2.46 68 5.53 2.49 79 0.03 2.23 33 0.00 1.08 43 -30-89 DAYS P/D 0.39 0.45 68 8.48 0.48 98 4.37 0.71 91 0.01 0.82 44 0.69 0.69 67

Non-Current LN&LS ($000) 90 Days and Over Past Due 58 2,633 0 0 0 Total Nonaccrual LN&LS 46,144 77,967 59,412 5,356 4,650 Total Non-Current LN&LS 46,202 80,600 59,412 5,356 4,650 LN&LS 30-89 Days Past Due 8,739 28,255 19,653 15,795 12,596

Gtyd LN&LS 90+ Days P/D 0 0 0 0 0 Gtyd LN&LS on Nonaccrual 536 1,056 0 0 0 Gtyd LN&LS 30-89 Days P/D 215 419 35 0 0

Restructured LN&LS 90+ Days P/D 0 0 0 0 0 Restructured LN&LS Nonaccrual 9,716 5,942 8,398 658 0 Restructured LN&LS 30-89 Days P/D 170 1,863 0 0 0

Current 1-4 Family Restru LN&LS 2,249 556 1,756 0 0 Current Other Restructured LN&LS 37,964 14,272 5,393 0 0 Loans Secured 1-4 RE in Foreclosure 213 5,084 162 77 226 Other Real Estate Owned 20,433 21,647 16,602 5,337 2,358

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA PD, Nonacc & Rest Loans-bOCC Charter # 0 County: ONE Analysis of Past Due, Nonaccrual & Restructured--Page 8APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 % of Non-Current LN&LS by Loan Type BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Coml & Indust LNS-90+ Days P/D 0.00 0.03 76 0.24 0.03 90 0.00 0.06 70 0.00 0.08 64 0.00 0.08 62 -Nonaccrual 6.25 1.11 93 13.62 1.58 97 5.11 1.73 85 0.33 1.54 32 0.82 0.87 61 -Total 6.25 1.22 92 13.85 1.68 97 5.11 1.91 84 0.33 1.73 28 0.82 1.05 54 -30-89 DAYS P/D 2.83 0.59 92 4.62 0.63 96 3.56 0.81 92 2.43 1.04 82 3.86 1.06 90

Loans to Individuals-90+ Days P/D 0.00 0.04 69 0.06 0.05 75 0.00 0.06 64 0.00 0.08 57 0.00 0.09 55 -Nonaccrual 0.24 0.24 67 1.24 0.32 87 2.51 0.35 93 1.07 0.36 84 0.64 0.28 79 -Total 0.24 0.36 58 1.29 0.44 84 2.51 0.47 92 1.07 0.51 79 0.64 0.43 70 -30-89 DAYS P/D 1.62 0.92 75 2.67 1.03 85 3.54 1.16 89 4.03 1.40 90 3.56 1.46 87

Credit Card Plans-90+ Days P/D 0.00 0.25 62 0.00 0.37 56 0.00 0.38 56 0.00 0.47 49 0.00 0.49 51 -Nonaccrual 1.27 0.00 97 2.33 0.00 97 1.58 0.00 97 1.17 0.01 95 1.12 0.01 95 -Total 1.27 0.31 86 2.33 0.49 88 1.58 0.47 84 1.17 0.64 77 1.12 0.64 73 -30-89 DAYS P/D 5.40 1.03 94 4.87 1.16 93 5.36 1.12 93 2.66 1.49 75 1.71 1.58 58

Lease Financing-90+ Days P/D N/A 0.43 N/A N/A 0.11 N/A N/A 0.17 N/A N/A 0.00 N/A N/A 0.01 N/A -Nonaccrual N/A 0.02 N/A N/A 0.04 N/A N/A 0.10 N/A N/A 0.18 N/A N/A 0.13 N/A -Total N/A 0.04 N/A N/A 0.05 N/A N/A 0.15 N/A N/A 0.28 N/A N/A 0.24 N/A -30-89 DAYS P/D N/A 0.07 N/A N/A 0.04 N/A N/A 0.13 N/A N/A 0.27 N/A N/A 0.35 N/A

Agricultural LNS-90+ Days P/D 0.00 0.00 94 0.00 0.02 95 0.00 0.00 92 0.00 0.00 91 0.00 0.00 92 -Nonaccrual 0.00 0.04 82 9.14 0.06 98 2.30 0.13 93 0.00 0.11 78 0.00 0.03 83 -Total 0.00 0.06 80 9.14 0.08 98 2.30 0.16 93 0.00 0.16 75 0.00 0.05 79 -30-89 DAYS P/D 0.00 0.06 76 0.00 0.05 76 11.89 0.10 99 0.00 0.15 69 0.00 0.12 72

Other LN&LS-90+ Days P/D 0.00 0.00 91 0.00 0.00 91 0.00 0.00 88 0.00 0.02 85 0.00 0.01 86 -Nonaccrual 0.00 0.07 79 1.11 0.10 92 0.22 0.13 82 0.22 0.15 83 0.00 0.05 81 -Total 0.00 0.11 73 1.11 0.14 91 0.22 0.19 79 0.22 0.26 78 0.00 0.11 73 -30-89 DAYS P/D 0.00 0.12 63 0.00 0.11 64 1.16 0.19 89 0.01 0.26 58 0.00 0.22 58

Total LN&LS-90+ Days Past Due 0.01 0.07 53 0.48 0.08 91 0.00 0.11 33 0.00 0.15 28 0.00 0.15 26 -Nonaccrual 10.83 1.91 97 14.14 2.64 97 9.27 3.06 90 0.76 2.96 20 0.86 1.84 37 -Total 10.85 2.06 97 14.61 2.79 97 9.27 3.24 90 0.76 3.18 15 0.86 2.07 31 -30-89 DAYS P/D 2.05 0.90 85 5.12 0.97 98 3.07 1.18 90 2.25 1.42 77 2.33 1.43 77

Other Pertinent Ratios: Non-Cur LN&LS to-LN&LS Allowance 262.53 115.05 89 351.31 139.20 93 197.22 154.02 69 51.29 162.11 14 62.58 137.72 27 -Equity Capital 202.46 12.73 98 243.63 18.53 98 131.98 23.76 95 6.04 25.73 19 6.77 16.79 33 % Total P/D LN&LS-Incl Nonaccrual 12.90 3.07 97 19.74 3.84 98 12.34 4.52 91 3.02 4.75 39 3.19 3.62 55 Non Curr LNS+OREO to LNS+OREO 14.93 3.20 96 17.84 4.21 96 11.57 4.62 88 1.51 4.27 23 1.29 2.63 34 Non-Curr Restruct Debt/Gr LN&LS 2.28 0.50 90 1.08 0.57 75 1.31 0.42 82 0.09 0.19 70 0.00 0.02 82 Curr+Non-Curr Restruct/GR LN&LS 11.72 1.49 98 3.77 1.71 81 2.43 1.35 75 0.09 0.86 42 0.00 0.13 62 Current Restruct LN&LS 9.44 0.91 99 2.69 1.04 83 1.12 0.83 69 0.00 0.58 42 0.00 0.08 69 Loans Sec 1-4 Fam RE in Forclosure as % Tota 0.21 0.30 61 3.95 0.40 96 0.10 0.46 48 0.04 0.45 46 0.18 0.26 64 Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D 0.00 0.36 91 0.00 0.36 90 N/A 0.06 N/A N/A 0.00 N/A N/A 0.04 N/A Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS 1.16 0.91 81 1.35 0.89 82 0.00 0.67 76 0.00 0.40 78 0.00 0.40 81 Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D 2.46 0.40 89 1.48 0.34 88 0.18 0.44 83 0.00 0.17 85 0.00 0.16 85

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Interest Rate RiskOCC Charter # 0 County: ONE Interest Rate Risk Analysis as a Percent of Assets--Page 9Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Long Assets Insts w/Options BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Mortgage Loans & Pass Thrus 11.76 18.21 30 13.10 17.46 36 13.64 16.57 41 19.68 16.59 64 21.58 16.83 70 Loans & Securities Over 15 Years 0.79 3.64 28 0.48 3.00 22 0.51 2.76 26 1.38 2.90 45 1.37 2.90 45 Loans & Securities 5-15 Years 3.08 4.88 43 2.64 4.81 39 1.14 3.77 29 2.78 3.38 52 6.70 3.35 82

Other Loans and Securities 46.16 61.89 10 45.16 62.02 8 50.75 63.75 13 59.90 64.59 32 59.36 67.53 24 Loans & Securities Over 15 Years 3.89 2.96 68 2.10 2.55 54 1.69 2.25 52 2.57 2.04 66 0.51 1.61 33 Loans & Securities 5-15 Years 6.74 12.39 22 5.15 10.80 20 5.22 9.79 26 3.85 9.17 17 1.70 8.64 7 Total Loans & Securities Over 15 Years 4.68 7.43 46 2.58 6.29 34 2.19 5.75 34 3.95 5.64 48 1.88 5.13 32

CMO'S Total 10.62 2.37 92 5.43 2.61 76 8.21 2.22 87 6.55 1.91 86 5.27 1.75 83 Avg Life Over 3 Years 5.77 0.82 93 5.17 0.91 92 4.98 0.93 91 2.48 0.72 85 4.25 0.73 90

Structured Notes 0.00 0.37 59 0.00 0.66 52 0.00 0.68 53 0.00 0.42 58 0.00 0.11 74 Mortgage Servicing (FV) 0.00 0.02 75 0.00 0.02 77 0.00 0.02 79 0.00 0.01 80 0.00 0.01 80 Total 0.00 0.44 45 0.00 0.71 40 0.00 0.73 42 0.00 0.46 47 0.00 0.14 60

Overall Risk Indicators Available for Sale 14.03 19.84 37 8.91 19.57 21 11.97 17.39 36 14.18 15.61 51 16.32 14.66 61 Held to Maturity 0.03 0.66 65 0.05 0.68 67 0.07 0.70 66 1.09 0.97 76 0.18 1.11 64 Off Balance Sheet 6.81 11.76 24 6.85 11.09 25 5.83 11.13 21 9.11 11.41 40 9.68 13.61 29

Unrealized Appreciation/Depreciation 0.00 0.02 71 0.00 0.02 72 0.00 0.00 77 0.00 0.01 71 0.00 0.00 76 Unrealized App/Dep % Tier One Cap 0.00 0.19 71 0.00 0.19 72 0.00 0.05 77 0.00 0.13 71 0.00 0.02 76

Contractual Mat/Reprice Data Loans/Securities Over 3 Year 25.35 41.92 15 22.81 37.91 16 20.67 35.44 18 20.96 35.98 16 21.47 35.26 16 Liabilities Over 3 Year 3.47 3.66 54 4.18 3.70 61 6.44 3.51 78 5.71 3.08 78 3.46 3.29 59 Net Over 3 Year Position 21.89 37.84 15 18.62 33.74 16 14.24 31.42 14 15.25 32.40 12 18.02 31.43 17

Loans/Securities Over 1 Year 49.39 59.48 21 42.05 58.44 12 43.34 56.23 18 45.98 55.19 24 36.23 53.66 11 Liabilities Over 1 Year 15.42 11.72 70 22.86 12.31 88 21.51 13.37 81 15.80 12.14 68 15.51 12.14 66 Net Over 1 Year Position 33.97 47.04 19 19.19 45.50 6 21.83 42.19 12 30.19 42.31 22 20.72 40.80 10

Non-Maturity Deposits 44.79 54.69 22 36.04 50.55 12 42.19 46.18 37 37.00 43.10 32 39.79 39.55 53 Non-Maturity Deps % Long Assets 176.69 143.32 75 158.00 148.54 63 204.11 148.36 78 176.54 134.32 77 185.34 124.50 83 Net Over 3 Year Position -19.44 -12.57 36 -13.23 -12.28 47 -21.52 -10.34 26 -16.04 -6.96 29 -18.32 -4.19 18

As % Tier 1 Capital Structured Notes 0.00 3.93 59 0.00 7.46 52 0.00 7.87 53 0.00 5.17 58 0.00 1.24 74 Mortgage Servicing (FV) 0.00 0.25 75 0.00 0.20 77 0.00 0.19 79 0.00 0.16 80 0.00 0.11 80 Total 0.00 4.66 45 0.00 8.15 40 0.00 8.58 42 0.00 5.66 47 0.00 1.63 60

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Liquidity & FundingOCC Charter # 0 County: ONE Liquidity & Funding--Page 10Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Total Deposits BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Individ, Partnerships, and Corp. 85.91 90.78 23 75.42 90.63 5 75.07 90.65 5 81.03 91.00 12 84.82 91.38 17 U.S. Govt, States & Political Sub in U.S. 6.73 7.41 49 8.40 7.45 59 17.54 7.19 91 14.30 6.99 85 14.91 6.91 87 Comml Banks & Other Dep Inst. in U.S. 7.37 0.90 91 16.18 0.90 96 7.40 1.04 90 4.67 0.97 88 0.26 0.76 63 Banks in Foreign Countries 0.00 0.08 98 0.00 0.08 98 0.00 0.07 98 0.00 0.11 98 0.00 0.21 97 Foreign Govts and Official Inst. 0.00 0.00 99 0.00 0.04 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 97 Total deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 98 100.00 100.00 98 100.00 100.00 99

Domestic Demand Deposits 15.57 11.81 69 12.34 10.12 67 11.09 8.62 70 11.04 7.87 75 13.84 7.72 86 Domestic Other Transaction Accts 15.22 7.69 82 15.26 6.91 85 17.89 6.17 92 15.29 5.76 91 17.80 4.94 96 Domestic Nontransaction Accts 69.21 79.60 25 72.41 82.20 24 71.02 84.58 13 73.67 85.83 13 68.36 86.85 6 Total Domestic Deposits 100.00 99.90 99 100.00 99.90 99 100.00 99.86 99 100.00 99.87 99 100.00 99.76 99 Deposits in Foreign Offices 0.00 0.10 99 0.00 0.10 99 0.00 0.14 99 0.00 0.13 98 0.00 0.24 98 Total Deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Liquidity/Funding Ratios Net Non Core Fund Dep $250M -0.43 3.45 34 -1.69 5.83 25 18.45 9.12 77 41.34 26.41 84 38.96 31.66 68 Net Non Core Fund Dep $100M 26.15 14.16 80 34.46 17.50 87 36.81 21.27 86 25.86 25.39 50 21.87 30.37 29 Core Deposits 80.40 77.52 61 77.58 76.18 50 66.00 74.51 18 50.63 60.92 18 53.55 57.46 35 Short Term Non Core Funding 8.16 6.75 66 6.36 7.65 46 24.13 16.05 82 18.19 19.03 50 15.17 21.29 27 S.T Inv to S.T. Ncore Fund 197.61 178.23 66 307.13 139.60 84 61.10 49.93 67 22.95 36.40 43 22.04 20.69 63 S.T. Asset to S.T. Liabilities 87.29 125.55 35 101.35 108.13 53 123.09 97.31 73 95.75 84.67 66 131.14 78.34 88 Net S.T. Liabilities to Assets 4.57 -2.92 69 -0.50 0.23 45 -7.20 2.57 23 1.60 6.48 35 -10.92 8.68 9 Net Loans & Leases to Deposits 62.46 73.97 23 66.68 75.10 28 70.30 78.86 26 83.82 82.64 51 84.77 89.27 34 Net LN&LS to Core Deposits 72.84 81.04 33 78.75 83.28 41 96.37 89.29 65 138.92 114.99 77 129.52 129.05 57 Brkr Dep Mat < 1 Yr to Brkr Deps 38.16 55.89 21 14.62 59.26 8 47.65 63.64 26 55.08 68.03 27 64.68 71.00 27 Brokered Deposits to Deposits 12.76 2.26 92 12.33 2.73 90 21.53 3.79 94 22.90 5.23 92 21.36 6.76 85 Listing Service Dep to Deposits 6.47 0.66 91 14.79 0.74 96 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A List Service and Brkrd Dep to Deps 19.23 3.40 93 27.12 4.10 95 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Sec Bor + sec FFP to Tot Bor + FFP 0.00 0.52 88 0.00 0.26 89 0.00 1.27 76 0.00 1.04 78 0.00 1.68 76 Recip Brkrd Dep to Tot Brkrd Dep 0.00 19.76 43 0.83 20.00 44 6.94 18.68 49 17.18 15.74 59 N/A 0.00 N/A

Total Deposits Individ, Partnerships, and Corp. 561,703 597,869 651,917 667,699 533,522 U.S. Govt, States & Political Sub in U.S. 43,980 66,598 152,279 117,834 93,810 Comml Banks & Other Dep Inst. in U.S. 48,180 128,234 64,227 38,449 1,666 Banks in Foreign Countries 0 0 0 0 0 Foreign Govts and Official Inst. 0 0 0 0 0 Total Deposits 653,863 792,701 868,423 823,982 628,998

Domestic Demand Deposits 101,831 97,781 96,275 90,967 87,031 Domestic Other Transaction Accts 99,514 120,965 155,368 126,000 111,967 Domestic Nontransaction Accts 452,518 573,955 616,780 607,015 430,000 Total Domestic Deposits 653,863 792,701 868,423 823,982 628,998 Deposits in Foreign Offices 0 0 0 0 0 Total Deposits 653,863 792,701 868,423 823,982 628,998

Other Liquidity/Funding Data Non Core Liabilities $250M 110,203 158,466 277,053 389,938 283,507 Non Core Liabilities $100M 248,919 385,435 411,885 259,271 170,392 Short Term Non Core Funding 56,903 55,058 231,619 178,672 116,600 Core Deposits 560,660 671,235 633,504 497,173 411,687 Time Deps $250M & Under Mat < 1 Yr 225,775 278,760 N/A N/A N/A Time Deps $250M & Under Mat > 1 Yr 105,979 178,441 N/A N/A N/A Time Deps over $250M Mat < 1 Yr 8,054 20,764 N/A N/A N/A Time Deps over $250M Mat > 1 Yr 1,690 2,949 N/A N/A N/A Fed Home Loan Bor Mat < 1 Yr 17,000 20,000 5,000 0 0 Fed Home Loan Bor Mat > 1 Yr 0 17,000 37,000 42,000 42,000 Other Borrowing Mat < 1 Year 0 0 136 129 0 Other Borrowing Mat > 1 Year 0 0 0 0 197 Secured Other Borrowings 0 0 0 0 0 Federal Funds Purchased 0 0 0 0 0 Secured Fed Funds Purchased 0 0 0 0 0 Listing Service Deposits 42,279 117,236 N/A N/A N/A Brokered Deposits 83,459 97,753 187,009 188,720 134,333 Reciprocal Brokered Deposits 0 808 12,972 32,413 N/A

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Liquidity & Inv PortfolioOCC Charter # 0 County: ONE Liquidity & Investment Portfolio--Page 10APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Total Assets BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Short Term Investments 16.13 7.87 85 19.54 7.44 92 14.74 6.89 87 4.18 5.95 42 3.34 3.70 55 Marketable Equity Sec (MES) 0.00 0.03 73 0.00 0.02 73 0.00 0.02 72 0.00 0.03 71 0.00 0.03 68 Net LN&LS & SBLC to Assets 59.17 62.74 37 61.81 63.30 42 63.60 66.26 39 70.33 68.69 51 69.35 72.11 36 Pledged Assets 11.41 27.24 20 13.10 27.92 21 20.63 28.72 37 28.38 25.10 58 N/A 0.00 N/A

Securities Mix % Total Securities US Treas & Govt Agencies 0.00 23.59 12 3.40 24.67 23 4.25 28.80 22 10.90 28.68 32 3.67 26.94 21 Municipal Securities 16.06 23.79 37 4.76 21.29 24 11.65 20.67 37 16.99 19.86 45 7.21 19.68 29 Pass-Through Mtg Backed Secs 8.43 22.76 30 31.20 23.55 63 15.93 21.01 48 29.25 23.14 61 55.30 25.46 82 CMO & REMIC Mtg Backed Secs 75.51 11.28 98 60.64 12.73 93 68.17 11.97 94 42.86 11.13 87 31.94 10.51 83 Commercial Mtg Back Secs 0.00 0.18 84 0.00 0.07 87 0.00 0.03 89 0.00 0.02 90 N/A 0.00 N/A Asset Backed Securities 0.00 0.03 91 0.00 0.22 95 0.00 0.20 96 0.00 0.10 96 0.00 0.00 93 Structured Financial Products 0.00 0.01 92 0.00 0.01 91 0.00 0.01 90 0.00 0.01 90 N/A 0.00 N/A Other Domestic Debt Secs 0.00 1.43 62 0.00 1.22 65 0.00 0.99 67 0.00 0.99 65 1.88 1.37 75 Foreign Debt Securities 0.00 0.00 93 0.00 0.18 96 0.00 0.09 97 0.00 0.07 97 0.00 0.04 96 Inv Mut Fnd & Oth Mktbl 0.00 0.17 73 0.00 0.13 73 0.00 0.15 71 0.00 0.19 70 0.00 0.27 68 Total 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Liquidity/Securities Ratios: App (Dep) Hi Risk & Struc/T1 Cap 0.00 0.01 71 0.00 0.02 63 0.00 -0.05 81 0.00 -0.03 85 0.00 0.01 81 App (Dep) in AFS sec to AFS Sec 0.45 2.17 12 0.58 2.05 17 -0.30 0.36 30 1.57 1.06 61 0.92 0.47 50 App (Dep) in HTM Sec to HTM Sec 0.00 2.86 22 0.00 2.64 25 0.00 1.08 40 0.02 1.48 30 0.07 0.04 46 App (Dep) in HTM Sec to Eqy Cap 0.00 0.18 71 0.00 0.18 72 0.00 0.05 77 0.00 0.13 71 0.00 0.02 76 Pledged Securities to Tot Sec 72.57 42.48 84 90.86 44.86 95 91.63 48.81 93 95.70 53.41 95 93.93 59.44 90 Pledged Loans to Total Loans 1.97 26.06 24 7.79 26.00 27 14.39 26.15 35 19.28 20.35 51 N/A 0.00 N/A Loans Held for Sale to Total Loans 0.00 0.55 47 0.00 0.37 49 0.00 0.37 50 0.00 0.22 55 0.00 0.16 58

Short Term Investments 112,448 169,098 141,525 41,010 25,699 Short Term Assets 218,948 323,837 368,209 352,982 353,547 Debt Securities 90+ Days P/D 0 0 0 0 0 Total Non-Current Debt Sec 0 0 0 0 0 Fair Value Structured Notes 0 0 0 0 0 Pledged Securities 71,169 70,424 105,886 143,540 119,162 Pledged Loans & Leases 8,375 42,946 92,186 135,192 N/A Loans Held for Sale 0 0 0 0 0

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Capital Analysis-aOCC Charter # 0 County: ONE Capital Analysis--Page 11Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Capital Ratios BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Percent of Bank Equity: Net Loans & Leases (x) 17.90 6.18 98 15.98 6.37 97 13.56 7.04 96 7.79 7.61 53 7.76 7.92 45 Subord Notes & Debentures 0.00 0.31 96 0.00 0.69 95 0.00 0.73 95 0.00 0.00 94 0.00 0.01 94 Long Term Debt 0.00 0.31 96 0.00 0.69 95 0.00 0.73 95 0.00 0.00 94 0.00 0.01 94 Com RE & Related Ventures 1,094.33 262.72 98 972.00 285.38 97 785.98 324.95 95 415.23 360.50 64 437.79 380.71 62 Percent of Average Bank Equity: Net Income -36.42 8.67 1 -29.85 6.29 4 -56.44 3.92 3 5.17 0.32 52 10.43 5.52 68 Dividends 0.00 3.47 30 0.00 2.88 35 0.00 2.49 38 0.00 2.81 32 1.52 4.46 27 Retained Earnings -36.42 4.49 1 -29.85 2.74 4 -56.44 0.71 3 5.17 -3.13 75 8.91 0.24 89 Other Capital Ratios: Dividends to Net Operating Income N/A 35.24 N/A N/A 33.98 N/A N/A 34.06 N/A 0.00 48.53 17 14.56 58.25 16 Bank Eq Cap + Min Int to Assets 3.27 10.32 0 3.82 10.15 2 4.69 9.61 3 9.02 9.23 49 8.93 9.25 51 Growth Rates: Total Equity Capital -31.02 6.41 0 -26.51 8.64 3 -49.20 2.73 2 29.01 4.92 91 10.29 4.57 74 Equity Growth Less Asst Growth -11.62 0.74 9 -16.64 3.84 6 -46.95 0.46 2 1.29 -0.72 54 -11.08 -4.33 24 Intang Assets % Bank Equity Mortgage Servicing Rights 0.00 0.22 75 0.00 0.17 77 0.00 0.16 79 0.00 0.13 80 0.00 0.09 80 Goodwill 0.00 1.98 61 0.00 2.18 61 0.00 2.18 63 11.35 2.30 87 14.64 3.38 86 Purch Credit Card Relations 0.00 0.05 96 0.00 0.04 96 0.00 0.02 97 0.00 0.02 97 0.00 0.02 97 All Other Intangibles 10.04 0.28 99 9.40 0.32 99 9.27 0.38 98 6.06 0.45 96 7.67 0.56 97 Total Intangibles 10.04 3.07 84 9.40 3.25 82 9.27 3.40 81 17.41 3.50 90 22.32 4.58 90

Risk-Based Capital Tier One RBC to Risk-Wgt Assets 4.40 14.42 0 5.24 13.92 2 6.37 13.00 3 9.79 11.90 19 9.15 11.40 14 Total RBC to Risk-Weight Assets 5.69 15.63 0 6.53 15.18 2 7.66 14.27 3 11.04 13.17 18 10.40 12.60 14 Tier One Leverage Capital 2.84 9.67 0 3.32 9.40 1 4.29 9.02 2 7.45 8.66 22 7.23 8.75 14 Other Capital Ratio: Def Tax Asset to T1 Cap 0.00 1.53 45 0.00 1.61 46 3.99 2.39 68 4.81 2.49 73 2.09 2.55 54

End of Period Capital ($000) Perpetual Preferred 0 0 0 0 0 + Common Stock 390 390 390 390 390 + Surplus 78,904 78,904 78,904 78,904 58,904 + Undivided Profits -56,748 -46,491 -34,057 7,979 8,683 + Accum Other Comp Income 274 280 -220 1,345 712 + Other Equity Capital Comp 0 0 0 0 0 Total Bank Equity Capital 22,820 33,083 45,017 88,618 68,689 Minority Interest Cons Subs 0 0 0 0 0 Total Bank Capital & Min Int 22,820 33,083 45,017 88,618 68,689

Subordinated Notes & Debentures 0 0 0 0 0

Changes in Bank Equity ($000) Balance at Beginning of Period 33,083 45,017 88,618 68,689 62,279 + Net Income -10,257 -12,434 -42,036 4,296 6,869 + Sales or Purchase of Capital 0 0 0 0 0 + Merger & Absorptions 0 0 0 0 0 + Restate due to Acctg Error&Chg 0 0 0 0 0 + Trans with Parent 0 0 0 15,000 0 - Dividends 0 0 0 0 1,000 + Other Comprehensive Income -6 500 -1,565 633 541 Balance at End of Period 22,820 33,083 45,017 88,618 68,689

Intangible Assets Mortgage Servicing Rights 0 0 0 0 0 + Purch Credit Card Relations. 0 0 0 0 0 + Other Intangibles 2,292 3,110 4,175 5,371 5,271 + Goodwill 0 0 0 10,057 10,057 Total Intangibles 2,292 3,110 4,175 15,428 15,328

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Capital Analysis-bOCC Charter # 0 County: ONE Capital Analysis--Page 11APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Risk Based Capital ($000) Tier One Capital Total Equity Capital Adjusted 22,546 32,803 45,237 87,273 67,977 - Ineligible Def Tax Assets 0 0 0 0 0 - Ineligible Intangibles 2,292 3,110 4,175 15,428 15,328 - Cumul Change F.V. Financial Liab 0 0 0 0 0 Net Tier One 20,254 29,693 41,062 71,845 52,649

Tier Two Capital + Qualif Debt and Redeem Pfd 0 0 0 0 0 + Cumulative Preferred Stock 0 0 0 0 0 + Allowable LN&LS Loss Allow 5,895 7,275 8,328 9,187 7,194 + Unrl Gain Mktbl Eqy Sec (45%) 0 0 0 0 0 + Other Tier 2 Capital Comp 0 0 0 0 0 Net Eligible Tier Two 5,895 7,275 8,328 9,187 7,194

Total RBC Before Deductions Tier One & Tier Two 26,149 36,968 49,390 81,032 59,843 Tier Three & Fin Sub Adj 0 0 0 0 0 - Deductions for Total RBC 0 0 0 0 0 Total Risk-Based-Capital 26,149 36,968 49,390 81,032 59,843

Risk-Weighted Assets On-Balance Sheet Category Two - 20% 12,793 3,955 5,519 18,289 20,736 Category Three - 50% 43,990 50,990 69,355 96,991 62,326 Category Four - 100% 401,437 509,649 573,732 593,323 467,647 Total On-Balance Sheet 458,220 564,595 648,606 708,604 550,709 Memo: Category One - 0% 158,824 253,181 246,160 96,121 63,834

Off-Balance Sheet Category Two - 20% 571 572 0 0 0 Category Three - 50% 0 0 0 0 0 Category Four - 100% 12,822 16,829 17,657 26,398 24,859 Total Off-Balance Sheet 13,393 17,401 17,657 26,398 24,859 Memo: Category One - 0% 0 0 0 0 0

Adjustments to Risk-Wgt Assets Risk-Weighted Asset Before Ded 471,613 581,996 666,263 735,002 575,568 - Excess Allowable LN&LS Loss Al 11,704 15,668 21,796 1,256 237 - Allocated Transfer Risk Reserve 0 0 0 0 0 + Mkt Risk Asset & Fin Sub Adj 0 0 0 0 0 Total Risk-Weighted Assets 459,910 566,329 644,468 733,747 575,332

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Income Statement 1-Qtr-AnnOCC Charter # 0 County: ONE One Quarter Annualized Income Analysis--Page 12Public Report

12/31/2012 9/30/2012 6/30/2012 3/31/2012 12/31/2011 Earnings and Profitability BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Percent of Average Assets: Interest Income (TE) 3.78 4.12 28 3.44 4.22 10 3.81 4.26 21 3.57 4.30 11 3.71 4.41 11 - Interest Expense 1.02 0.59 92 1.07 0.64 91 1.10 0.69 89 1.20 0.74 90 1.18 0.80 85 Net Interest Income (TE) 2.77 3.52 9 2.37 3.57 2 2.71 3.56 7 2.38 3.56 3 2.53 3.61 4 + Noninterest Income 0.01 0.83 5 1.07 0.79 72 1.00 0.75 71 1.56 0.75 89 1.66 0.70 92 - Noninterest Expense 4.47 3.01 92 3.71 2.92 84 3.99 2.90 90 3.86 2.89 88 3.89 2.98 85 - Provision: Loan & Lease Losses 0.00 0.31 21 1.48 0.27 96 0.49 0.29 75 1.40 0.29 95 4.80 0.52 98 Pretax Operating Income (TE) -1.69 1.11 3 -1.76 1.24 3 -0.77 1.17 5 -1.32 1.18 2 -4.50 0.83 2 + Realized Gains/Losses Sec 0.00 0.05 58 0.29 0.05 90 0.00 0.06 52 0.00 0.05 57 0.67 0.03 97 Pretax Net Operating Income (TE) -1.69 1.19 3 -1.47 1.33 3 -0.77 1.26 4 -1.32 1.27 2 -3.82 0.87 3 Net Operating Income -1.69 0.88 3 -1.47 0.97 2 -0.77 0.92 4 -1.32 0.92 1 -3.82 0.61 4 Adjusted Net Operating Income -2.10 0.80 4 -1.99 0.96 3 -2.29 0.92 2 -1.55 0.97 2 -3.86 0.55 4 Net Inc Attrib Min Ints 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 Net Income Adjusted Sub S -1.69 0.79 3 -1.47 0.88 2 -0.77 0.83 4 -1.32 0.83 1 -3.82 0.55 4 Net Income -1.69 0.88 3 -1.47 0.97 2 -0.77 0.92 4 -1.32 0.92 1 -3.82 0.61 4

Margin Analysis: Int Inc (TE) to Avg Earn Assets 4.14 4.44 32 3.75 4.53 10 4.14 4.57 24 3.89 4.64 11 3.98 4.76 10 Int Expense to Avg Earn Assets 1.11 0.64 92 1.17 0.69 92 1.19 0.74 90 1.30 0.79 92 1.27 0.86 85 Net Int Inc-TE to Avg Earn Assets 3.03 3.79 10 2.58 3.84 2 2.95 3.83 8 2.59 3.83 2 2.72 3.89 4

Loan & Lease Analysis: Net Loss to Average Total LN&LS 0.65 0.58 68 3.21 0.45 96 3.24 0.48 95 2.62 0.39 95 7.57 0.91 98 Earnings Coverage of Net Loss (X) -4.18 9.22 10 -0.14 9.66 18 -0.14 6.42 18 0.05 4.42 21 0.06 6.74 18 LN&LS Allowance to Net Losses (X) 6.07 5.56 66 1.19 5.59 25 1.17 4.70 24 1.60 4.15 28 0.53 4.38 13

Capitalization Cash Dividends to Net Income 0.00 45.22 40 0.00 19.38 52 0.00 24.61 48 0.00 19.75 53 0.00 30.72 50 Retain Earns to Avg Total Equity -49.83 2.07 2 -41.28 6.03 1 -21.19 4.94 3 -37.69 5.72 1 -90.80 0.92 2

Yield on or Cost of: Total Loan & Leases (TE) 5.61 5.57 55 5.09 5.64 16 5.70 5.66 56 5.32 5.71 25 5.23 5.82 14 Loans in Domestic Offices 5.61 5.55 56 5.09 5.62 17 5.70 5.64 57 5.32 5.69 26 5.23 5.80 14 Real Estate 5.44 5.49 47 4.90 5.57 11 5.54 5.59 49 5.17 5.63 18 5.04 5.75 9 Secured by 1-4 Fam Resi Prop 7.64 5.45 94 5.72 5.52 61 8.21 5.57 96 7.14 5.62 91 7.19 5.74 89 All Other Loans Sec Real Estate 4.56 5.54 7 4.60 5.61 5 4.51 5.60 4 4.40 5.66 3 4.21 5.77 2 Commercial & Industrial 6.47 5.68 79 5.71 5.74 54 6.42 5.78 76 5.77 5.80 53 5.72 5.92 46 Individual 9.42 7.20 84 9.75 7.27 86 10.55 7.24 90 10.32 7.34 89 10.71 7.58 88 Credit Card 8.42 9.84 47 8.56 9.00 48 7.92 9.11 42 8.10 9.84 41 8.25 9.38 43 Agricultural 6.59 5.00 81 4.89 5.06 26 10.86 5.01 97 0.00 5.18 9 0.00 5.28 10 Loans in Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Total Investment Securities (TE) 1.73 2.52 18 1.90 2.65 19 2.04 2.79 19 2.34 2.93 26 2.24 3.01 20 Total Investment Securities (Book) 1.73 2.19 24 1.90 2.32 26 2.04 2.46 27 2.34 2.59 35 2.24 2.69 26 US Treas & Agency (Excl MBS) 0.00 1.63 2 1.32 1.71 34 2.00 1.82 60 1.65 1.90 40 1.35 2.00 25 Mortgage Backed Securities 1.51 2.02 28 1.78 2.27 29 1.93 2.44 27 2.29 2.62 36 2.35 2.77 34 All Other Securities 2.93 3.18 38 3.10 3.22 41 3.47 3.35 55 3.44 3.46 47 4.68 3.61 87 Interest-Bearing Bank Balances 0.22 0.31 26 0.23 0.31 37 0.26 0.30 48 0.21 0.29 33 0.23 0.32 33 Federal Funds Sold & Resales N/A 0.18 N/A N/A 0.18 N/A N/A 0.20 N/A N/A 0.15 N/A N/A 0.18 N/A

Total Interest Bearing Deposits 1.14 0.69 91 1.22 0.74 92 1.23 0.79 90 1.27 0.84 88 1.25 0.92 81 Transaction accounts 0.13 0.28 26 0.14 0.30 28 0.16 0.31 32 0.20 0.33 37 0.22 0.37 39 Other Savings Deposits 0.38 0.32 64 0.36 0.34 58 0.37 0.37 55 0.40 0.39 55 0.36 0.43 45 Time Deps Over $100M 1.41 1.16 73 1.49 1.22 72 1.50 1.29 69 1.51 1.36 64 1.53 1.45 58 All Other Time Deposits 1.82 1.18 90 1.87 1.24 89 1.86 1.30 87 1.92 1.39 84 1.99 1.51 80 Foreign Office Deposits N/A 0.24 N/A N/A 0.24 N/A N/A 0.18 N/A N/A 0.28 N/A N/A 0.19 N/A

Federal Funds Purchased & Repos N/A 0.52 N/A N/A 0.52 N/A N/A 0.55 N/A N/A 0.54 N/A N/A 0.60 N/A Other Borrowed Money 4.31 2.57 86 4.31 2.83 86 4.24 2.84 86 4.18 2.91 84 4.24 2.73 84 Subord Notes & Debentures N/A 5.23 N/A N/A 5.83 N/A N/A 5.15 N/A N/A 4.71 N/A N/A 5.01 N/A All Interest-Bearing Funds 1.24 0.77 90 1.30 0.82 89 1.31 0.88 87 1.42 0.93 88 1.40 1.02 83

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Securitization & Asset Sale-aOCC Charter # 0 County: ONE Securitization & Asset Sale Activities--Page 13Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year

Securitization Activities 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Retained Interest-Only Strips 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Retained Credit Enhancements 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Unused Liquidity Commitments 0.00 0.00 0.00 0.00 0.00 N/A N/A

Sellers Interest in Secs & Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A

Total Retained Credit Exposure 0.00 0.00 0.00 0.00 0.00 N/A N/A

Asset Backed Comml Paper Conduits 0.00 0.00 0.00 0.00 0.00 N/A N/A CR Exp Spons by Bank & Other 0.00 0.00 0.00 0.00 0.00 N/A N/A Liquid Comm by Bank & Other 0.00 0.00 0.00 0.00 0.00 N/A N/A

Activity % Total Assets Securitization Activities 0.00 0.00 0.00 0.00 0.00 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Asset Backed Comml Paper Conduits 0.00 0.00 0.00 0.00 0.00 Cr Exp Spons by Bank & Other 0.00 0.00 0.00 0.00 0.00 Liquid Comm by Bank & Other 0.00 0.00 0.00 0.00 0.00

Percent of Tot Managed Assets on Balance Sheet & Sec Assets 1-4 Family Residential Loans 20.86 20.49 22.85 25.74 22.01 Home Equity Lines 3.37 2.85 2.64 2.47 1.18 Credit Card Receivables 0.87 0.70 0.59 0.50 0.56 Auto Loans 2.13 2.24 2.49 2.79 3.85 Commercial & Industrial Loans 9.88 10.59 10.69 8.58 7.83 All Other Loans and Leases 62.88 63.12 60.74 59.94 64.58

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Securitization & Asset Sale-bOCC Charter # 0 County: ONE Securitization & Asset Sale Activities--Page 13APublic Report

12/31/2012 12/31/2010 12/31/2009 12/31/2008 % Tot Securitization Act by Type Retained Int Only Strips N/A N/A N/A N/A 1-4 Family Residential Loans N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A

Retained Credit Enhancement N/A N/A N/A N/A 1-4 Family Residential Loans N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A

Unused Comm to Provide Liquidity N/A N/A N/A N/A N/A Sellers Int in Secs & LNS % Trust N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A

Percent of Tier 1 Capital Total Retained Credit Exposure 0.00 0.00 0.00 0.00 0.00 Retained Interest-Only Strips 0.00 0.00 0.00 0.00 0.00 Retained Credit Enhancements 0.00 0.00 0.00 0.00 0.00

30-89 Day PD Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total 30-89 Day PD Secur Assets 0.00 0.00 0.00 0.00 0.00

90+ Days PD Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total 90+ Days PD Secur Assets 0.00 0.00 0.00 0.00 0.00

Total Past Due Securitized Assets 0.00 0.00 0.00 0.00 0.00

Net Losses Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total Net Charge Off Secur Asset 0.00 0.00 0.00 0.00 0.00

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Securitization & Asset Sale-cOCC Charter # 0 County: ONE Securitization & Asset Sale Activities--Page 13BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 30-89 Day PD Securitized Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 30-89 Days PD Secur Asset N/A N/A N/A N/A N/A

90+ Day PD Securitized Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 90+ Day PD Secur Asset N/A N/A N/A N/A N/A

Total PD Securitized Asets % N/A N/A N/A N/A N/A

Net Losses on Securitized Assets% 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Net Losses on Securitized Assets N/A N/A N/A N/A N/A

30-89 DAY PD managed assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 30-89 Day PD Manage Asset N/A N/A N/A N/A N/A

90+ DAY PD MANAGED ASSETS % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 90+ Day PD Manage Asset N/A N/A N/A N/A N/A

Total Past Due Managed Assets % N/A N/A N/A N/A N/A

Net Losses on Managed Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Net Losses on Managed Assets N/A N/A N/A N/A N/A

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Fiduciary Services-aOCC Charter # 0 County: ONE Fiduciary & Related Services--Page 14Public Report

12/31/2012 9/30/2012 12/31/2011 12/31/2012 Total Fiduciary and Related Assets '($000)' %Total %MGD '($000)' %Total %MGD '($000)' %Total %MGD %Change Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Foundation & Endowment Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Fiduciary Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A Memo: Accts in Foreign Offices N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: IRA, HSA & Other N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Total Fiduciary and Related Accounts (#) %Total %MGD (#) %Total %MGD (#) %Total %MGD %Change Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Foundation & Endowment Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Number of Accounts N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A Memo: Accts in Foreign Offices N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: IRA, HSA & Other N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Fiduciary and Related Services Income '($000)' %FID IN %Change '($000)' %FID IN %Change '($000)' %FID IN %Change Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Foundation & Endowment Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Related Services N/A N/A N/A N/A N/A N/A N/A N/A N/A Gross Fiduciary and Related Income N/A N/A N/A N/A N/A N/A N/A N/A N/A Less: Expenses N/A N/A N/A N/A N/A N/A N/A N/A N/A Less:Net Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A Plus: Intra-company Credits N/A N/A N/A N/A N/A N/A N/A N/A N/A Net Fiduciary and Related Income N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: Fiduciary Income - Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A Gross Fiduciary Income % Nonint Inc N/A N/A N/A

Fiduciary Income % Fiduciary Assets Bank PCT Bank PCT Bank PCT Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Fiduciary Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: Fiduciary Income Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Assets '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Accounts (#) %Total %Change (#) %Total %Change (#) %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

FDIC Certificate # 111 FRB District/ID_RSSD 6 / 11111 BANK ONE ONE, GA Fiduciary Services-bOCC Charter # 0 County: ONE Fiduciary & Related Services--Page 14APublic Report

Gross Fiduciary Losses - Managed '($000)' %Rev PCT '($000)' %Rev PCT '($000)' %Rev PCT Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A EB & Retirement Related Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Gross Managed Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Gross Fiduciary Losses - Non Managed Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A EB & Retirement Related Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Gross Non Managed Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Net Fiduciary Losses - ALL Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A EB & Retirement Related Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Net Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Corporate Trust and Agency '($000)' #ISS %Change '($000)' #ISS %Change '($000)' #ISS %Change

Corporate and Muni Trusteeships N/A N/A N/A N/A N/A N/A N/A N/A N/A Issues in Default N/A N/A N/A N/A N/A N/A N/A N/A N/A All Other Corporate N/A N/A N/A N/A N/A N/A N/A N/A N/A

Managed Assets in Fiduciary Accts '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Noninterest-Bearing Deposits N/A N/A N/A N/A N/A N/A N/A N/A N/A Interest-Bearing Deposits N/A N/A N/A N/A N/A N/A N/A N/A N/A U.S. Treasury & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A State, County & Municipal N/A N/A N/A N/A N/A N/A N/A N/A N/A Money Market Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Equity Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Common & Collective Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Short-Term Obligations N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Notes and Bonds N/A N/A N/A N/A N/A N/A N/A N/A N/A Unregistered Funds & Private Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Common & Preferred Stocks N/A N/A N/A N/A N/A N/A N/A N/A N/A Real Estate Mortgages N/A N/A N/A N/A N/A N/A N/A N/A N/A Real Estate N/A N/A N/A N/A N/A N/A N/A N/A N/A Miscellaneous Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Managed Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A

Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

Peer Group Descriptions for Fiduciary & Related Services: Peer Number

Memo: Fiduciary Income Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Assets '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Accounts (#) %Total %Change (#) %Total %Change (#) %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

12/31/20119/30/201212/31/2012

Net Interest Income (TE):Avg Assets

Net Income:Avg AssetsFiduciary Activities (inc)

Deposit Service Charges

Noninterest Income:Avg Assets Net from Trading Fees &

Comms (if available)

Foreign Exchange Trading Average Assets per(if available) employee-$MM

Other Non-Interest Income

Personnel Expense:Avg Assets

Non-interest expense: Average Personnel ExpAvg Assets per equiv Emp-$M

Provision for loan & lease Premises, fixed assets:losses: Avg Assets Occupancy Expense: Avg Assets

Avg Assets

Realized G/L Avg Assets per domesicHTM Securities office

Other operating expenses:Avg Assets

Effiency Ratio

Realized G/LAFS Securities

Net Extraordinary Items:Avg Assets

Applicable Income Tax:Avg Assets

Total Loans & Leases Real Estate Loans Real Estate Loans(Yield On) (yield on) Avg Gross Lns & Leases

Interest Income (TE):Avg Earning Assets

Interest Income (TE):Avg Assets

Other Interest Income US Treasury & agency Commercial & Industria Commercial & IndustrialSecurities Loans (yield on) Avg Gross Lns & Leases

Average Earning AssetsAvg Assets

Net Loans and LeasesAvg Assets

Investment Securities Mortgage backed securities Loans to Individuals Loans to Individuals(Yield On) (yield on) (yield on) Avg Gross Lns & Leases

Debt Securities:Avg Assets

Interest-Bearing BankBalances: Avg Assets Interest Bearing Bank All other securities Agriculture Loans Agriculture Loans:

Balances (Yield On) (yield on) (yield on) Avg Gross Lns & LeasesFederal Funds SoldAvg Assets

Trading Acct Securities:Avg Assets

Equity Securities: Federal Funds SoldAvg Assets (Yield On)

Interest ExpenseAvg Assets

Page 2

Transactions Accounts All other time deposits(cost of) (cost of)

Total Interest Bearing Deposits (cost of)

Other savings & deposits Foreign Office Deposits(cost of) (cost of)

Interest ExpenseAvg Earning Assets

Time deps over $100M(cost of)

Federal Funds Purchased& Repos (cost of)

Other Borrowings (+ noteoption) (cost of)

Subord Notes & Debentures (cost of)

Interest-bearing transaction Foreign office depositsaccts:avg assets avg assets

Interest-Bearing Funds Interest-bearing non-trans Other borrowings:Avg Assets accts:avg assets avg assets

Federal funds & repos Subord notes & debenturesavg assets avg assets

Page 3

BANK TWO

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Table of ContentsOCC Charter # 0 County: TWO December 31, 2012 Uniform Bank Performance ReportPublic Report

InformationIntroduction Table of ContentsThis uniform bank performance report covers the operations of a bank and that of a Sectioncomparable group of peer banks. It is provided as a bank management tool by the Federal Cover PageFinancial Institutions Examination Council. Detailed information Summary Ratios--Page 1concerning the content of this report is provided in the Users Guide for the Uniform Income Statement $--Page 2Bank Performance Report found online at www.ffiec.gov. Noninterest Income, Expenses and Yields--Page 3This report has been produced for the use of the federal regulators of financial Balance Sheet $--Page 4institutions in carrying out their supervisory responsibilities. All information contained herein Off Balance Sheet Items--Page 5was obtained from sources deemed reliable however no guarantee is given as to Derivative Instruments--Page 5Athe accuracy of the data. The information contained in this report are not to be construed Derivative Analysis--Page 5Bas a rating or other evaluation of a financial institution by a federal banking regulator. Balance Sheet Percentage Composition--Page 6The quarterly report of condition and income is the principal source of information Analysis of Credit Allowance and Loan Mix--Page 7for this report. Please refer to that document for additional financial information and Analysis of Credit Allowance and Loan Mix--Page 7Aan explanation of the accounting standards that underlie data shown herein. Analysis of Concentrations of Credit--Page 7BFor questions regarding content of reports contact: Analysis of Past Due, Nonaccrual & Restructured--Page 81-888-237-3111 or email: cdr.help@ffiec.gov Analysis of Past Due, Nonaccrual & Restructured--Page 8A

Interest Rate Risk Analysis as a Percent of Assets--Page 9Financial Institution Address: Liquidity & Funding--Page 10TWO BANK Liquidity & Investment Portfolio--Page 10A2222 SECOND AVENUE SOUTHWEST Capital Analysis--Page 11TWO MN Capital Analysis--Page 11A22222- One Quarter Annualized Income Analysis--Page 12

Securitization & Asset Sale Activities--Page 13The Current Federal Regulator is: Securitization & Asset Sale Activities--Page 13AFederal Deposit Insurance Corporation Securitization & Asset Sale Activities--Page 13B

Fiduciary & Related Services--Page 14The bank was established on: 5/1/1955 Fiduciary & Related Services--Page 14A

The current peer group for this bank is: 5Insured commercial banks having assets between $100 million and $300 million, with 3 or more Bank Holding Company Information: full service banking offices and not located in a metropolitan statistical area FRB District / ID_RSSD 9 / 2222222

SECOND FINANCIAL GROUP, INC.TWO, MN

FootNotes:Financial data in the Uniform Bank Performance Report may have been adjusted as a result of information shown in footnotes below. Please refer to theUniform Bank Performance Report Users Guide online for details.

Bank has elected Subchapter S tax treatment during one or more of the quarters listed.The UBPR will display ratio Net Income Adjusted for Subchapter S on Summary Ratios and One Quarter Annualized Income Analysis pages.

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Summary RatiosOCC Charter # 0 County: TWO Summary Ratios--Page 1Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Earnings and Profitability BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Percent of Average Assets: Interest Income (TE) 4.16 4.35 37 4.61 4.50 57 5.13 5.01 58 5.80 5.39 81 6.04 6.09 46 - Interest Expense 0.60 0.65 45 0.88 0.90 49 1.24 1.21 54 1.58 1.62 47 1.98 2.27 26 Net Interest Income (TE) 3.55 3.68 42 3.72 3.60 58 3.89 3.81 57 4.22 3.76 80 4.07 3.82 69 + Noninterest Income 0.71 0.67 60 0.51 0.71 35 0.62 0.70 44 0.67 0.72 48 0.87 0.76 65 - Noninterest Expense 3.82 2.93 89 3.89 2.93 88 4.15 3.02 93 4.24 3.08 93 4.23 3.01 93 - Provision: Loan & Lease Losses 0.14 0.21 45 0.13 0.53 17 1.33 0.47 91 0.32 0.54 44 0.18 0.30 41 Pretax Operating Income (TE) 0.30 1.24 9 0.21 0.89 20 -0.97 1.04 5 0.33 0.89 23 0.52 1.27 15 + Realized Gains/Losses Sec 0.06 0.05 72 0.08 0.05 74 -0.01 0.04 7 0.00 0.03 47 0.00 0.00 17 Pretax Net Operating Income (TE) 0.37 1.30 9 0.29 0.95 21 -0.98 1.08 5 0.33 0.91 21 0.52 1.23 16 Net Operating Income 0.34 1.01 11 0.27 0.67 23 -0.98 0.83 4 0.29 0.70 23 0.48 0.94 21 Adjusted Net Operating Income 0.54 1.02 19 0.12 0.68 21 -0.74 0.92 4 0.33 0.83 20 0.44 1.03 14 Net Inc Attrib to Min Ints 0.00 0.00 99 0.00 0.00 98 0.00 0.00 99 0.00 0.00 99 N/A 0.00 N/A Net Income Adjusted Sub S 0.24 0.86 8 0.19 0.60 20 -0.98 0.71 4 0.22 0.59 21 0.34 0.80 16 Net Income 0.34 1.01 11 0.27 0.67 23 -0.98 0.83 4 0.29 0.70 24 0.48 0.93 21

Margin Analysis: Avg Earning Assets to Avg Assets 93.25 92.23 60 94.40 93.16 64 93.96 92.32 68 93.86 92.70 65 92.59 93.16 37 Avg Int-Bearing Funds to Avg Assets 78.00 73.97 72 80.58 79.79 50 79.94 76.73 70 83.06 77.16 85 78.25 76.94 56 Int Inc (TE) to Avg Earn Assets 4.46 4.73 33 4.88 4.85 51 5.46 5.44 51 6.18 5.81 76 6.53 6.54 50 Int Expense to Avg Earn Assets 0.65 0.71 43 0.94 0.96 47 1.32 1.31 51 1.68 1.75 45 2.13 2.44 27 Net Int Inc-TE to Avg Earn Assets 3.81 4.00 39 3.95 3.88 55 4.14 4.13 50 4.50 4.06 78 4.39 4.10 70

Loan & Lease Analysis: Net Loss to Average Total LN&LS -0.09 0.34 2 0.44 0.80 43 1.47 0.57 88 0.36 0.59 44 0.28 0.32 56 Earnings Coverage of Net Losses (X) N/A 18.14 N/A 1.15 7.50 22 0.33 9.51 5 2.15 8.91 29 2.97 16.46 19 LN&LS Allowance to LN&LS Not HFS 1.91 1.63 69 1.59 1.93 40 1.65 1.59 61 1.19 1.44 33 1.11 1.27 37 LN&LS Allowance to Net Losses (X) N/A 11.49 N/A 3.43 4.85 55 1.07 5.70 9 3.35 5.29 53 4.19 8.86 43 LN&LS Allowance to Total LN&LS 1.90 1.62 68 1.58 1.90 40 1.64 1.58 61 1.19 1.44 34 1.11 1.27 37 Total LN&LS-90+ Days Past Due 0.06 0.11 59 0.01 0.08 49 0.24 0.14 75 0.00 0.18 33 0.08 0.19 51 -Nonaccrual 1.73 1.37 65 1.60 2.64 42 3.83 1.71 85 1.60 1.62 59 2.51 1.15 84 -Total 1.79 1.65 63 1.61 2.79 39 4.07 1.92 84 1.60 1.91 51 2.59 1.43 81

Liquidity Net Non Core Fund Dep New $250M 20.36 -1.31 97 -8.76 5.83 13 -3.22 3.03 26 17.05 19.17 43 21.30 21.94 48 Net Loans & Leases to Assets 57.16 58.95 44 56.13 62.82 29 66.82 63.57 56 75.11 65.30 80 78.59 67.75 83

Capitalization Tier One Leverage Capital 8.48 9.77 20 8.05 9.40 19 8.02 9.38 18 9.15 9.25 55 9.75 9.27 67 Cash Dividends to Net Income 0.00 41.12 18 0.00 28.25 37 0.00 37.95 25 44.85 43.82 50 43.81 55.12 40 Retained Earnings to Avg Total Equity 3.93 4.45 43 3.29 2.74 42 -11.09 3.58 5 1.65 2.26 37 2.83 3.04 44 Rest+Nonac+RE Acq to Eqcap+ALLL 61.16 16.97 93 75.32 31.13 86 53.31 19.55 89 18.78 17.22 61 21.21 11.10 82

Growth Rates Total Assets -1.72 5.18 12 7.52 4.09 70 3.60 2.86 56 1.00 5.36 28 8.95 6.88 65 Tier One Capital 4.15 5.89 37 5.96 5.82 52 -9.63 5.34 5 1.67 5.09 26 2.87 5.09 35 Net Loans & Leases 0.08 1.95 43 -9.69 -0.56 18 -7.83 -0.18 16 -3.47 1.97 23 13.95 7.83 77 Short Term Investments -74.61 35.47 2 11.94 36.82 48 48.18 48.36 64 8.57 99.58 37 51.19 -0.31 78 Short Term Non Core Funding 1,111.74 0.36 99 -84.93 -48.46 5 11.28 -4.90 76 69.39 3.47 95 54.69 12.59 88

Average Total Assets 295,965 291,146 274,565 263,933 257,926 Total Equity Capital 26,181 24,923 22,689 25,468 24,995 Net Income 1,009 777 -2,696 758 1,244

Number of banks in Peer Group 835 1,170 849 845 831

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Income Statement $OCC Charter # 0 County: TWO Income Statement $--Page 2Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Year

Interest and Fees on Loans 10,845 12,131 13,315 14,390 14,410 ########## Income From Lease Financing 0 0 0 0 0 N/A Tax-Exempt 0 0 0 0 0 N/A Estimated Tax Benefit 0 0 0 0 0 N/A Income on Loans & Leases (TE) 10,845 12,131 13,315 14,390 14,410 -10.6

US Treas & Agency (Excl MBS) 661 261 120 191 310 153.26 Mortgage Backed Securities 287 443 43 0 0 -35.21 Estimated Tax Benefit 73 63 0 99 91 16.26 All Other Securities 246 225 238 298 286 9.33 Tax-Exempt Securities Income 143 123 168 194 178 16.26 Investment Interest Income (TE) 1,267 992 401 588 687 27.74

Interest on Due From Banks 173 264 317 311 130 -34.47 Int on Fed Funds Sold & Resales 0 0 0 0 314 N/A Trading Account Income 0 0 0 0 0 N/A Other Interest Income 20 32 41 18 41 -37.5

Total Interest Income (TE) 12,305 13,419 14,074 15,307 15,582 -8.3

Int on Deposits in Foreign Off N/A N/A N/A N/A N/A N/A Interest on Time Dep Over $100M 229 670 1,019 1,440 1,468 -65.82 Interest on All Other Deposits 580 1,526 1,741 1,834 2,836 -61.99 Int on Fed Funds Purch & Repos 675 9 11 9 61 7400 Int Trad Liab & Oth Borrowings 305 370 627 888 732 -17.57 Int on Sub Notes & Debentures 0 0 0 0 0 N/A

Total Interest Expense 1,789 2,575 3,398 4,171 5,097 -30.52

Net Interest Income (TE) 10,516 10,844 10,676 11,136 10,485 -3.02 Non-interest Income 2,107 1,471 1,700 1,761 2,240 43.24 Adjusted Operating Income (TE) 12,623 12,315 12,376 12,897 12,725 2.5

Non-Interest Expense 11,301 11,326 11,390 11,185 10,921 -0.22 Provision: Loan & Lease Losses 425 390 3,660 850 463 8.97 Pretax Operating Income (TE) 897 599 -2,674 862 1,341 49.77

Realized G/L Hld-to-Maturity Sec 0 0 0 0 0 N/A Realized G/L Avail-for Sale Sec 190 246 -17 0 -1 -22.76 Pretax Net Operating Inc (TE) 1,087 845 -2,691 862 1,340 28.66

Applicable Income Taxes 5 5 5 5 5 0 Current Tax Equiv Adjustment 73 63 0 99 91 16.26 Other Tax Equiv Adjustments 0 0 0 0 0 N/A Applicable Income Taxes (TE) 78 68 5 104 96 15.07

Net Operating Income 1,009 777 -2,696 758 1,244 29.86

Net Extraordinary Items 0 0 0 0 0 N/A Net Inc Noncontrolling Minority Interests 0 0 0 0 N/A N/A Net Income 1,009 777 -2,696 758 1,244 29.86

Cash Dividends Declared 0 0 0 340 545 N/A Retained Earnings 1,009 777 -2,696 418 699 29.86 Memo: Net International Income N/A N/A N/A N/A N/A N/A

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Non Int Inc, Exp, YieldsOCC Charter # 0 County: TWO Noninterest Income, Expenses and Yields--Page 3Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Average Assets BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Personnel Expense 1.89 1.57 82 1.88 1.50 82 2.17 1.57 94 2.15 1.60 93 2.24 1.65 92 Occupancy Expense 0.71 0.37 97 0.80 0.37 98 0.82 0.39 98 1.01 0.40 99 1.06 0.42 99 Other Oper Exp (Incl Intangibles) 1.21 0.98 77 1.21 1.04 72 1.16 1.04 66 1.08 1.06 56 0.94 0.93 51 Total Overhead Expense 3.82 2.93 89 3.89 2.93 88 4.15 3.02 93 4.24 3.08 93 4.23 3.01 93 Overhead Less Nonint Inc 3.11 2.22 90 3.38 2.19 94 3.53 2.30 97 3.57 2.34 96 3.37 2.23 95 Other Income & Expense Ratios: Efficiency Ratio 89.52 66.90 92 91.97 67.91 89 92.03 66.81 95 86.72 68.39 89 85.82 65.42 93 Avg Personnel Exp Per Empl($000) 73.72 57.17 92 72.12 65.25 71 75.46 54.20 97 66.72 52.41 94 66.39 51.34 95 Assets Per Employee ($Million) 3.99 3.86 59 4.06 4.62 42 3.63 3.59 56 3.26 3.47 43 3.15 3.32 46

Yield on or Cost of: Total Loan & Leases (TE) 6.23 6.01 66 6.62 5.84 90 6.57 6.41 65 6.82 6.58 69 6.99 7.25 33 Loans in Domestic Offices 6.23 5.99 67 6.62 5.82 90 6.57 6.38 66 6.82 6.56 70 6.99 7.23 34 Real Estate 6.32 5.88 78 6.72 5.76 93 6.70 6.29 77 6.96 6.46 80 7.04 7.11 49 Secured by 1-4 Fam Resi Prop 5.20 6.03 13 5.65 5.76 46 5.39 6.51 8 5.68 6.76 8 5.71 7.26 4 All Other Loans Sec Real Estate 6.64 5.80 88 7.03 5.78 95 7.03 6.17 87 7.29 6.29 90 7.29 7.04 67 Commercial & Industrial 5.90 6.17 42 6.52 5.93 75 5.98 6.52 32 6.19 6.59 38 6.58 7.19 24 Individual 16.57 8.07 99 17.68 7.50 98 18.07 8.35 99 16.27 8.59 99 12.11 8.98 96 Credit Card N/A 9.46 N/A N/A 9.70 N/A N/A 9.27 N/A N/A 9.53 N/A N/A 10.42 N/A Agricultural 5.72 5.71 55 6.19 6.03 60 6.64 6.17 72 6.83 6.30 73 7.13 7.10 53 Loans in Foreign Offices N/A 0.00 N/A N/A 4.62 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Total Investment Securities (TE) 1.80 2.75 14 2.32 3.19 16 2.89 3.77 17 4.67 4.46 59 5.32 5.02 72 Total Investment Securities (Book) 1.70 2.35 16 2.17 2.87 17 2.89 3.33 25 3.88 4.03 37 4.61 4.56 54 US Treas & Agency (Excl MBS) 2.20 1.70 77 1.83 2.10 41 1.98 2.69 21 2.51 3.71 12 3.74 4.65 11 Mortgage Backed Securities 0.92 2.28 5 1.98 3.10 10 2.54 3.73 12 N/A 4.44 N/A N/A 4.85 N/A All Other Securities 2.71 3.17 29 3.65 3.65 46 3.90 3.83 54 5.97 3.99 96 6.17 4.18 95 Interest-Bearing Bank Balances 0.56 0.43 69 0.55 0.33 81 0.79 0.65 66 1.37 1.04 63 3.45 2.43 69 Federal Funds Sold & Resales N/A 0.19 N/A N/A 0.18 N/A N/A 0.18 N/A N/A 0.19 N/A 2.14 2.23 40 Total Interest Bearing Deposits 0.44 0.81 9 0.99 1.03 46 1.38 1.48 40 1.70 2.01 26 2.40 2.89 17 Transaction accounts 0.04 0.26 2 0.18 0.41 27 0.30 0.51 35 0.14 0.65 3 1.73 1.00 86 Other Savings Deposits 0.37 0.35 60 0.95 0.50 91 1.29 0.72 91 1.00 0.94 59 1.29 1.51 36 Time Deps Over $100M 0.87 1.28 15 1.76 1.57 67 2.61 2.08 84 3.44 2.81 89 4.69 3.95 94 All Other Time Deposits 1.33 1.27 57 1.57 1.63 47 1.68 2.12 16 2.48 2.85 21 3.78 3.93 34 Foreign Office Deposits N/A 0.00 N/A N/A 0.23 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Federal Funds Purchased & Repos 1.85 0.36 94 0.36 0.61 40 0.61 0.63 52 0.27 0.77 32 1.73 2.16 27 Other Borrowed Money 3.39 2.71 60 3.35 2.69 58 3.56 3.16 51 3.74 3.20 55 3.90 3.90 45 Subord Notes & Debentures N/A 7.40 N/A N/A 4.86 N/A N/A 8.00 N/A N/A 7.44 N/A N/A 4.52 N/A All Interest-Bearing Funds 0.78 0.88 37 1.10 1.13 47 1.55 1.57 48 1.90 2.09 36 2.53 2.95 20

Non-interest Income & Expenses Fiduciary Activities 0 0 0 0 0 Deposit Service Charges 460 486 513 691 712 Trading, Vent Cap, Securtz Inc 0 0 0 0 0 Inv Banking, Advisory Inc 121 42 33 46 66 Insurance Comm & Fees 696 677 695 732 751 Net Servicing Fees 0 0 0 0 0 Loan & Lse Net Gains/Loss 0 0 0 0 0 Other Net Gains/Losses 131 -186 -29 -204 180 Other Non-interest Income 699 452 488 496 531 Non-interest Income 2,107 1,471 1,700 1,761 2,240 Personnel Expense 5,603 5,481 5,961 5,671 5,776 Occupancy Expense 2,116 2,333 2,255 2,655 2,730 Goodwill Impairment 0 0 0 0 0 Other Intangible Amortiz 0 0 0 0 0 Other Oper Exp(incl Intangibles) 3,582 3,512 3,174 2,859 2,415 Non-Interest Expense 11,301 11,326 11,390 11,185 10,921 Domestic Banking Offices(#) 10 10 10 10 10 Foreign Branches (#) 0 0 0 0 0 Assets Per Domestic Office 30,316 30,848 28,691 27,695 27,419

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Balance Sheet $OCC Charter # 0 County: TWO Balance Sheet $--Page 4Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year Assets: Real Estate Loans 142,005 145,429 160,933 175,691 174,362 -0.78 -2.35 Commercial Loans 28,694 24,588 28,455 30,039 38,840 16.32 16.70 Individual Loans 2,928 2,626 1,913 2,153 2,104 1.53 11.50 Agricultural Loans 731 698 763 856 744 3.84 4.73 Other LN&LS in Domestic Offices 2,535 2,770 3,023 2,092 2,190 -1.67 -8.48 LN&LS in Foreign Offices N/A N/A N/A N/A N/A N/A N/A Loans Held for Sale 431 1,487 1,653 112 0 97.71 -71.02 Loans not Held for Sale 176,212 174,428 193,261 210,422 217,907 1.57 1.02 LN&LS Allowance 3,362 2,772 3,190 2,513 2,413 8.42 21.28 Net Loans & Leases 173,281 173,143 191,724 208,021 215,494 1.57 0.08 U.S. Treasury & Agency Securities 77,340 49,280 20,048 8,988 7,208 12.34 56.94 Municipal Securities 14,725 7,181 6,790 6,411 6,138 13.23 105.06 Foreign Debt Securities 0 0 0 0 0 N/A N/A All Other Securities 0 0 0 0 10 N/A N/A Interest-Bearing Bank Balances 12,707 53,470 48,880 33,111 25,191 -29.83 -76.24 Federal Funds Sold & Resales 0 0 0 0 0 N/A N/A Trading Account Assets 0 0 0 0 0 N/A N/A Total Investments 104,772 109,931 75,718 48,510 38,547 4.81 -4.69 Total Earning Assets 278,053 283,074 267,442 256,531 254,041 2.77 -1.77

Nonint Cash & Due From Banks 8,747 6,619 4,375 6,303 8,250 -8.24 32.15 Premises, Fix Assts, Cap Leases 9,269 9,540 7,197 7,853 8,533 -0.90 -2.84 Other Real Estate Owned 4,884 6,252 4,239 1,888 340 -1.99 -21.88 Dir & Indir Inv RE Ventures 0 0 0 0 0 N/A N/A Inv in Unconsolidated Subs 0 0 0 0 0 N/A N/A Acceptances & Oth Assets 2,209 2,997 3,661 4,375 3,034 -3.03 -26.29 Total Assets 303,162 308,482 286,914 276,950 274,198 2.17 -1.72 Average Assets During Quarter 298,768 302,103 286,181 277,477 256,350 0.41 -1.10

Liabilities: Demand Deposits 43,843 39,669 35,221 8,369 9,915 2.70 10.52 All Now & ATS Accounts 75,788 50,313 47,293 12,603 12,332 12.66 50.63 Money Market Deposit Accounts 63,299 125,328 101,894 84,793 77,441 9.45 -49.49 Other savings Deposits 1,427 1,310 1,718 50,741 46,545 -17.32 8.93 Time Deps At Or Below Insurance Limit 23,062 31,336 35,374 28,265 33,384 -14.39 -26.40 Less: Fully Insured Brokered Deposits 0 0 0 6,039 10,148 N/A N/A Core Deposits 207,419 247,956 221,500 178,732 169,469 5.58 -16.35 Fully Insured Brokered Deposits 0 0 0 6,039 10,148 N/A N/A Time Deps Above Insurance Limit 19,180 19,408 29,289 41,492 40,735 -1.55 -1.17 Deposits in Foreign Offices 0 0 0 0 0 N/A N/A Total Deposits 226,600 267,363 250,789 226,263 220,351 4.94 -15.25 Federal Funds Purch & Resale 49,527 3,980 1,500 1,895 3,179 2.09 1,144.40 Fed Home Loan Bor Mat < 1 Year 0 0 0 7,000 2,000 N/A N/A Fed Home Loan Bor Mat > 1 Year 0 11,000 11,000 15,000 22,000 -100.00 -100.00 Oth Borrowing Mat < 1 Year 0 0 102 107 115 N/A N/A Oth Borrowing Mat > 1 Year 0 0 0 0 0 N/A N/A Acceptances & Other Liabilities 854 1,216 834 1,217 1,558 -8.27 -29.77 Total Liabilities (Incl Mortg) 276,981 283,559 264,225 251,482 249,203 2.44 -2.32 Subordinated Notes & Debentures 0 0 0 0 0 N/A N/A Total Bank Capital & Min Int 26,181 24,923 22,689 25,468 24,995 -0.59 5.05 Total Liabilities & Capital 303,162 308,482 286,914 276,950 274,198 2.17 -1.72

Memoranda: Officers, Shareholder Loans (#) 3 3 3 2 1 Officers, Shareholder Loans ($) 4,865 4,189 6,966 4,683 2,232 7.40 16.14 Held-to-Maturity Securities 0 0 0 0 5,453 N/A N/A Available-for-Sale Securities 92,065 56,461 26,838 15,399 7,903 12.48 63.06 All Brokered Deposits 0 0 2,089 6,039 10,148 N/A N/A

Percent Change

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Off Balance Sheet ItemsOCC Charter # 0 County: TWO Off Balance Sheet Items--Page 5Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year Outstanding (% of Total) BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Home Equity (1-4 Family) 0.77 0.74 61 1.08 1.53 45 1.22 0.79 70 1.55 0.79 76 2.47 0.84 86 Credit Card 0.00 0.13 75 0.00 0.17 69 0.00 0.16 73 0.00 0.19 72 0.00 0.21 70 Commercial RE Secured by RE 2.86 0.95 91 2.99 1.52 83 2.79 0.88 92 0.88 0.99 51 1.13 1.40 48 1-4 Family Residential 0.00 0.26 21 0.00 0.34 16 0.00 0.25 19 0.00 0.30 19 0.00 0.39 17 Comml RE, Oth Const & Land 2.86 0.61 94 2.99 1.03 89 2.79 0.57 95 0.88 0.63 66 1.13 0.92 63 Commercial RE Not Secured by RE 0.00 0.00 92 0.00 0.00 86 0.00 0.00 91 0.00 0.00 91 0.00 0.00 87 All Other 3.54 5.43 39 2.70 5.47 26 3.47 5.22 39 7.78 5.20 76 6.52 5.68 64 Total LN&LS Commitments 7.17 7.96 50 6.77 9.48 32 7.48 7.72 53 10.21 7.88 74 10.12 8.95 64 Securities Underwriting 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

Standby Letters of Credit 0.20 0.20 60 0.14 0.35 31 0.16 0.23 49 0.44 0.24 78 0.58 0.27 81 Amount Conveyed to Others N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A 0.00 0.01 97 Commercial Letters of Credit 0.00 0.01 87 0.00 0.01 85 0.00 0.01 87 0.00 0.01 87 0.00 0.01 86

Assets Securitized or Sold w/Rec 0.00 0.39 82 0.00 0.23 81 0.00 0.38 84 0.00 0.28 86 0.00 0.22 86 Amount of Recourse Exposure 0.00 0.03 83 0.00 0.02 82 0.00 0.02 86 0.00 0.01 87 0.00 0.01 86

Credit Derivatives Bank as Guarantor 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Credit Derivatives Bank as Beneficiary 0.00 0.00 99 0.00 0.01 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

All Oth Off-Balance Sheet Items 0.00 0.06 90 0.00 0.09 86 0.00 0.12 88 0.00 0.11 88 0.00 0.11 89

Off-Balance Sheet Items 7.37 9.64 43 6.92 11.09 26 7.64 9.43 45 10.65 9.56 64 10.70 10.72 58

Outstanding ($000) Home Equity (1-4 Family) 2,334 3,340 3,508 4,284 6,778 10.09 -30.12 Credit Card 0 0 0 0 0 N/A N/A Commercial RE Secured by RE 8,678 9,226 7,993 2,431 3,088 -0.38 -5.94 1-4 Family Residential 0 0 0 0 0 N/A N/A Commercial RE, Oth Const & Land 8,678 9,226 7,993 2,431 3,088 -0.38 -5.94 Commercial RE Not Secured by RE 0 0 0 0 0 N/A N/A All Other 10,727 8,333 9,955 21,556 17,888 -4.26 28.73 Securities Underwriting 0 0 0 0 0 N/A N/A Memo: Unused Commit w/mat GT 1 YR 13,478 14,384 13,019 17,575 15,542 0.10 -6.30

Standby Letters of Credit 597 436 467 1,216 1,593 -8.99 36.93 Amount Conveyed to Others N/A N/A N/A N/A 0 N/A N/A Commercial Letters of Credit 0 0 0 0 0 N/A N/A

Assets Securitized or Sold w/recourse 0 0 0 0 0 N/A N/A Amount of Recourse Exposure 0 0 0 0 0 N/A N/A

Credit Derivatives Bank as Guarantor 0 0 0 0 0 N/A N/A Credit Derivatives Bank as Beneficiary 0 0 0 0 0 N/A N/A

All Oth Off-Balance Sheet Items 0 0 0 0 0 N/A N/A

Off-Balance Sheet Items 22,336 21,335 21,923 29,487 29,347 -1.56 4.69

Percent Change

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Derivative InstrumentsOCC Charter # 0 County: TWO Derivative Instruments--Page 5APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Notional Amount ($000) Derivative Contracts 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0

Derivatives Position Future and Forwards 0 0 0 0 0 Written Options 0 0 0 0 0 Exchange Traded 0 0 0 0 0 Over-the-Counter 0 0 0 0 0 Purchased Options 0 0 0 0 0 Exchange Traded 0 0 0 0 0 Over-the-Counter 0 0 0 0 0 Swaps 0 0 0 0 0

Held-for-Trading 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0 Non-Traded 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0 Memo: Marked-to-Market 0 0 0 0 0

Derivative Contracts (RBC Def) 0 0 0 0 0 One Year or Less 0 0 0 0 0 Over 1 Year to 5 Years 0 0 0 0 0 Over 5 Years 0 0 0 0 0

Gross Negative Fair Value 0 0 0 0 0 Gross Positive Fair Value 0 0 0 0 0 Held-for-Trading 0 0 0 0 0 Non-Traded 0 0 0 0 0 Memo: Marked-to-Market 0 0 0 0 0 Curr Credit Exp on RBC Derivatives Contr 0 0 0 0 0 Credit Losses Off_BS Derivatives N/A N/A N/A N/A N/A

Past Due Derivatives Instruments: Fair Value Carried as Assets 0 0 0 0 0

Impact Nontraded Derivatives Contracts: Increase (Decr) in Interest Inc N/A N/A N/A N/A N/A Increase (Decr) in Interest Exp N/A N/A N/A N/A N/A Increase (Decr) in Nonint ALLOC N/A N/A N/A N/A N/A Increase (Decr) in Net Income N/A N/A N/A N/A N/A

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Derivative AnalysisOCC Charter # 0 County: TWO Derivative Analysis--Page 5BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Notional Amounts BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Interest Rate Contracts N/A 84.02 N/A N/A 98.33 N/A N/A 17.13 N/A N/A 11.51 N/A N/A 2.25 N/A Foreign Exchange Contracts N/A 0.00 N/A N/A 0.84 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Equity, Comm & Oth Contracts N/A 0.16 N/A N/A 0.83 N/A N/A 0.68 N/A N/A 1.38 N/A N/A 1.09 N/A

Derivatives Position Futures and Forwards N/A 26.68 N/A N/A 23.10 N/A N/A 23.25 N/A N/A 20.71 N/A N/A 13.18 N/A Written Options N/A 25.92 N/A N/A 22.58 N/A N/A 25.09 N/A N/A 22.82 N/A N/A 22.70 N/A Exchange Traded N/A 0.94 N/A N/A 0.39 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Over-the-Counter N/A 25.60 N/A N/A 22.36 N/A N/A 25.09 N/A N/A 22.82 N/A N/A 22.70 N/A Purchased Options N/A 0.00 N/A N/A 0.16 N/A N/A 1.42 N/A N/A 3.37 N/A N/A 2.02 N/A Exchange Traded N/A 0.00 N/A N/A 0.75 N/A N/A 0.87 N/A N/A 1.09 N/A N/A 0.00 N/A Over-the-Counter N/A 0.00 N/A N/A 0.00 N/A N/A 0.36 N/A N/A 2.22 N/A N/A 2.02 N/A Swaps N/A 2.43 N/A N/A 6.23 N/A N/A 2.54 N/A N/A 2.30 N/A N/A 6.10 N/A

Held-for-Trading N/A 1.23 N/A N/A 1.66 N/A N/A 1.26 N/A N/A 0.84 N/A N/A 1.05 N/A Interest Rate Contracts N/A 2.07 N/A N/A 1.66 N/A N/A 1.26 N/A N/A 0.84 N/A N/A 1.05 N/A Foreign Exchange Contracts N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Equity, Comm & Oth Contracts N/A 0.15 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Non-Traded N/A 7.37 N/A N/A 6.27 N/A N/A 8.57 N/A N/A 4.93 N/A N/A 3.34 N/A Interest Rate Contracts N/A 6.14 N/A N/A 11.12 N/A N/A 12.37 N/A N/A 8.44 N/A N/A 2.66 N/A Foreign Exchange Contracts N/A 0.00 N/A N/A 0.84 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Equity, Comm & Oth Contracts N/A 0.00 N/A N/A 0.83 N/A N/A 0.68 N/A N/A 1.38 N/A N/A 1.09 N/A Memo: Marked-to-Market N/A 7.37 N/A N/A 6.27 N/A N/A 8.57 N/A N/A 4.93 N/A N/A 3.34 N/A

Derivative Contracts (RBC Def) N/A 34.38 N/A N/A 37.37 N/A N/A 30.38 N/A N/A 27.74 N/A N/A 26.32 N/A One Year or Less N/A 25.42 N/A N/A 23.55 N/A N/A 20.52 N/A N/A 19.58 N/A N/A 16.62 N/A Over 1 Year to 5 Years N/A 0.10 N/A N/A 7.09 N/A N/A 0.76 N/A N/A 3.00 N/A N/A 5.68 N/A Over 5 Years N/A 4.79 N/A N/A 5.34 N/A N/A 2.78 N/A N/A 1.74 N/A N/A 0.34 N/A

Gross Negative Fair Value N/A 0.26 N/A N/A 0.72 N/A N/A 0.22 N/A N/A 0.13 N/A N/A 0.35 N/A Gross Positive Fair Value N/A 0.70 N/A N/A 0.63 N/A N/A 0.47 N/A N/A 0.49 N/A N/A 1.26 N/A

By Tier One Capital: Gross Negative Fair Value (x) 0.00 0.00 96 0.00 0.00 87 0.00 0.00 97 0.00 0.00 97 0.00 0.00 97 Gross Positive Fair Value (x) 0.00 0.00 94 0.00 0.00 83 0.00 0.00 95 0.00 0.00 95 0.00 0.00 95 Held-for-Trading (x) 0.00 0.00 98 0.00 0.02 96 0.00 0.00 98 0.00 0.00 99 0.00 0.00 98 Non-Traded (x) 0.00 0.00 88 0.00 0.04 71 0.00 0.00 89 0.00 0.00 90 0.00 0.00 91 Non-Traded Marked-to-Mkt(x) 0.00 0.00 88 0.00 0.04 71 0.00 0.00 89 0.00 0.00 90 0.00 0.00 91 Current Credit Exposure (x) 0.00 0.00 97 0.00 0.00 92 0.00 0.00 98 0.00 0.00 97 0.00 0.00 97 Credit Losses on Derivatives N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Past Due Derivative Instruments: Fair Value Carried as Assets 0.00 0.00 96 0.00 0.00 99 0.00 0.00 94 0.00 0.00 90 0.00 0.00 92

Other Ratios: Cur Credit Exposure/Risk WT AST 0.00 0.00 97 0.00 0.00 91 0.00 0.00 97 0.00 0.00 97 0.00 0.00 97 Credit Losses on Derivatives/CR Allow N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Impact Nontraded Derivatives Contracts: Incr(Dec) Interest Inc/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Interest Exp/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Nonint ALLOC/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Net Income/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Balance Sheet %OCC Charter # 0 County: TWO Balance Sheet Percentage Composition--Page 6Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Average Assets BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Loans Held For Sale 0.19 0.06 82 0.26 0.19 72 0.18 0.06 83 0.10 0.05 78 0.21 0.04 88 Loans Not Held For Sale 58.16 60.45 40 62.51 64.47 40 72.60 65.54 72 76.48 67.25 78 78.74 68.13 82 Less: LN&LS Allowance 1.01 0.99 56 1.11 1.22 49 0.91 0.98 46 0.86 0.90 47 0.93 0.83 66 Net Loans & Leases 57.35 59.62 41 61.66 63.82 39 71.88 64.67 73 75.72 66.44 78 78.03 67.36 83

Interest-Bearing Bank Balances 10.53 5.15 81 16.60 5.13 94 15.19 3.29 97 11.83 2.01 95 2.78 0.83 86 Federal Funds Sold & Resales 0.00 1.26 34 0.00 0.68 39 0.00 1.58 20 0.00 1.70 9 4.77 2.09 86 Trading Account Assets 0.00 0.01 98 0.00 0.01 97 0.00 0.00 99 0.00 0.01 98 0.00 0.02 97 Held-to-Maturity Securities 0.00 0.95 61 0.00 0.71 60 0.00 0.96 60 1.03 0.96 75 2.58 0.99 82 Available-for-Sale Securities 23.92 21.59 58 14.41 18.88 40 5.67 18.33 13 4.24 18.24 9 3.11 18.26 7

Total Earning Assets 91.80 91.36 54 92.68 91.72 61 92.73 91.26 69 92.82 91.47 69 91.28 91.46 42

Nonint Cash & Due From Banks 2.40 2.87 43 2.00 1.82 64 1.78 2.58 27 2.38 2.72 44 3.83 2.91 82 Premises, Fix Assts & Cap Leases 3.14 1.91 85 2.58 1.78 77 2.69 2.01 75 2.94 2.08 79 3.36 2.12 85 Other Real Estate Owned 1.80 0.54 88 1.65 0.82 78 1.35 0.49 86 0.67 0.34 78 0.41 0.17 81 Dir & Indir Inv RE Ventures 0.00 0.00 98 0.00 0.01 95 0.00 0.00 98 0.00 0.00 96 0.00 0.00 96 Inv in Unconsolidated Subs 0.00 0.00 89 0.00 0.00 86 0.00 0.00 89 0.00 0.00 89 0.00 0.00 89 Acceptances & Other Assets 0.86 2.88 1 1.09 3.31 4 1.46 3.23 7 1.19 3.04 4 1.13 3.06 3 Total Non-Earning Assets 8.20 8.64 45 7.32 8.28 38 7.27 8.74 30 7.18 8.53 30 8.73 8.54 57 Total Assets 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Standby Letters of Credit 0.20 0.20 59 0.16 0.37 31 0.30 0.24 66 0.51 0.26 79 1.02 0.29 91

Liabilities Demand Deposits 13.30 14.48 44 11.48 7.94 76 9.61 11.73 33 3.80 11.33 3 4.88 11.49 6 All NOW & ATS Accounts 22.07 13.45 87 16.60 5.64 93 13.89 12.14 62 3.84 11.40 7 3.88 10.74 9 Money Market Deposit Accounts 24.14 10.93 93 37.04 17.73 90 32.19 9.83 97 29.33 9.22 96 29.21 9.00 97 Other Savings Deposits 0.50 10.03 1 0.48 14.20 5 4.03 8.66 18 17.12 8.32 87 17.78 8.21 88 Time Deps At or Below Insurance Limit 9.36 29.45 0 11.36 29.04 5 11.97 32.28 1 11.10 24.30 3 13.54 25.27 5 Less: Fully Insured Brokered Deposits 0.00 0.66 60 0.00 2.44 33 0.43 0.96 61 3.06 0.95 83 0.78 0.95 69 Core Deposits 69.37 80.21 7 76.96 75.37 51 71.26 75.91 24 62.12 65.77 31 68.51 65.95 58 Fully Insured Brokered Deposits 0.00 0.66 60 0.00 2.44 33 0.43 0.96 61 3.06 0.95 83 0.78 0.95 69 Time Deps Above Insurance Limit 6.47 4.14 79 9.76 4.80 89 12.03 7.13 88 15.10 16.30 45 11.95 15.73 29 Deposits in Foreign Offices 0.00 0.00 99 0.00 0.10 98 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Total Deposits 75.84 85.75 4 86.71 83.91 67 83.72 84.77 38 80.28 83.88 24 81.24 83.44 31

Federal Funds Purch & Repos 12.76 0.49 99 1.19 1.27 61 0.85 0.64 74 1.61 0.80 76 1.87 1.00 75 Total Fed Home Loan Borrowings 2.53 1.93 65 3.74 3.04 61 6.33 3.02 78 8.51 3.71 82 6.88 3.87 73 Total Other Borrowings 0.00 0.01 86 0.01 0.03 71 0.04 0.02 82 0.03 0.03 80 0.05 0.05 77 Memo: Sht Ter N Core Funding 16.12 5.00 97 8.06 9.57 44 12.17 14.95 36 8.10 15.98 10 5.46 16.16 2

Acceptances & Other Liabilities 0.31 0.57 26 0.30 0.63 17 0.33 0.58 23 0.42 0.66 26 0.51 0.71 32 Total Liabilities (Incl Mortg) 91.44 89.58 87 91.96 89.96 87 91.26 90.03 72 90.86 90.17 58 90.55 90.23 49

Subordinated Notes & Debentures 0.00 0.00 99 0.00 0.05 95 0.00 0.01 99 0.00 0.01 99 0.00 0.01 99 Total Bank Capital & Min Int 8.56 10.41 12 8.04 9.99 12 8.74 9.96 28 9.14 9.82 41 9.45 9.77 50 Total Liabilities & Capital 100.00 100.00 93 100.00 100.00 97 100.00 100.00 93 100.00 100.00 96 100.00 100.00 93

Memo: All Brokered Deposits 0.00 0.81 59 0.57 2.64 45 1.60 1.22 72 3.06 1.35 79 0.78 1.14 67 Insured Brokered Deposits 0.00 0.66 60 0.00 2.44 33 0.00 1.02 55 3.06 0.95 83 0.78 0.95 69

Loans HFS as a % Loans 0.33 0.10 82 0.42 0.30 72 0.25 0.08 82 0.13 0.08 77 0.27 0.05 88

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Allowance & Loan Mix-aOCC Charter # 0 County: TWO Analysis of Credit Allowance and Loan Mix--Page 7Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Analysis Ratios BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Loss Provision to Average Assets 0.14 0.21 45 0.13 0.53 17 1.33 0.47 91 0.32 0.54 44 0.18 0.30 41 Recoveries to Prior Credit Loss 41.49 21.94 79 6.53 12.60 39 28.95 16.07 80 1.72 24.00 5 6.02 36.51 12

Net Loss to Average Total LN&LS -0.09 0.34 2 0.44 0.80 43 1.47 0.57 88 0.36 0.59 44 0.28 0.32 56 Gross Loss to Average Total LN&LS 0.15 0.43 30 0.55 0.91 44 1.58 0.65 87 0.36 0.67 39 0.28 0.39 48 Recoveries to Average Total LN&LS 0.24 0.08 90 0.11 0.09 70 0.11 0.07 72 0.00 0.06 8 0.00 0.06 4

LN&LS Allowance to LN&LS Not HFS 1.91 1.63 69 1.59 1.93 40 1.65 1.59 61 1.19 1.44 33 1.11 1.27 37 LN&LS Allowance to Total LN&LS 1.90 1.62 68 1.58 1.90 40 1.64 1.58 61 1.19 1.44 34 1.11 1.27 37 LN&LS Allowance to Net Losses (X) N/A 11.49 N/A 3.43 4.85 55 1.07 5.70 9 3.35 5.29 53 4.19 8.86 43 LN&LS Allowance to Nonaccrual LN&LS (X) 1.10 2.75 41 0.98 1.33 55 0.43 2.02 13 0.75 1.97 36 0.44 2.77 11

Earnings Coverage of Net Losses (X) N/A 18.14 N/A 1.15 7.50 22 0.33 9.51 5 2.15 8.91 29 2.97 16.46 19

Net Losses by Type of LN&LS Real Estate Loans -0.19 0.30 1 0.61 0.74 56 0.95 0.47 79 0.38 0.42 62 0.32 0.18 75 Loans to Finance Comml Real Estate N/A 0.10 N/A N/A 0.03 N/A N/A 0.10 N/A N/A 6.58 N/A N/A 3.15 N/A Construction & Land Development 0.00 0.58 67 1.60 1.99 61 0.83 1.17 70 1.33 1.00 75 0.00 0.36 68 1-4 Family Construction 0.00 0.08 89 0.00 1.36 63 4.75 0.37 92 16.66 0.48 97 0.00 0.18 80 Other Construction & Land 0.00 0.58 71 1.72 1.92 65 0.56 1.21 70 0.41 1.05 72 0.00 0.26 78 Secured by Farmland 0.00 0.03 87 0.00 0.05 82 0.00 0.02 86 0.00 0.00 90 0.00 0.00 94 Single & Multifamily Mortgage 0.01 0.25 29 1.10 0.61 77 1.61 0.34 93 0.32 0.26 68 1.06 0.13 96 Home Equity Loans -0.22 0.07 2 4.82 0.45 96 3.40 0.13 96 0.59 0.09 89 1.51 0.03 96 1-4 Family Non-Revolving 0.04 0.26 37 0.43 0.63 54 1.17 0.33 89 0.23 0.26 60 0.89 0.13 95 Multifamily Loans 0.00 0.01 93 0.00 0.32 75 0.00 0.07 90 0.00 0.00 94 0.00 0.41 96 Non-Farm Non-Residential Mtg -0.31 0.28 1 0.25 0.47 50 0.78 0.35 79 0.18 0.32 63 0.21 0.12 78 Owner Occupied Nonfarm Nonresidential 0.00 0.21 62 -0.07 0.37 2 0.53 0.28 76 0.00 0.23 63 0.20 0.07 84 Other Nonfarm Nonresidential -0.68 0.23 1 0.61 0.48 71 1.02 0.32 84 0.30 0.24 78 0.22 0.09 85 RE Loans in Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Agricultural Loans 0.00 0.00 87 0.00 0.02 82 0.00 0.06 76 0.00 0.09 73 0.00 0.05 76 Commercial and Industrial Loans 0.45 0.42 70 -0.46 0.97 1 4.54 0.84 93 0.29 0.99 43 0.00 0.52 30 Lease Financing N/A 0.00 N/A N/A 0.00 N/A N/A 0.02 N/A N/A 0.09 N/A N/A 0.00 N/A Loans to Individuals 0.08 0.41 30 0.45 0.69 50 0.08 0.62 20 -0.13 0.80 3 0.78 0.65 65 Credit Card Plans N/A 1.02 N/A N/A 2.00 N/A N/A 1.74 N/A N/A 2.06 N/A N/A 1.62 N/A

All Other Loans & Leases 0.00 0.06 72 -0.14 0.20 4 -0.44 0.18 2 0.00 0.22 63 1.07 0.16 90 Loans to Foreign Governments N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Change: Credit Allowance ($000) Beginning Balance 2,772 3,190 2,513 2,413 2,525 Gross Credit Losses 257 1,017 3,203 760 581 Memo: Loans HFS Write-down 0 0 0 0 0 Recoveries 422 209 220 10 5 Net Credit Losses -165 808 2,983 750 576

Provision: Loan & Lease Losses 425 390 3,660 850 463 Other Adjustments 0 0 0 0 0 LN&LS Allowance 3,362 2,772 3,190 2,513 2,413

Average Total Loans & Leases 174,071 183,339 202,708 210,998 206,190

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Allowance & Loan Mix-bOCC Charter # 0 County: TWO Analysis of Credit Allowance and Loan Mix--Page 7APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Loan Mix, % Average Gross LN&LS BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Construction & Development 8.03 4.46 79 9.87 7.95 66 10.60 5.38 83 12.15 6.25 81 14.57 6.95 84 1-4 Family Construction 0.24 1.08 17 0.70 1.52 31 0.68 1.46 32 0.69 1.90 24 0.31 2.44 11 Other Const & Land Development 7.79 2.98 85 9.17 6.08 73 9.92 3.52 88 11.47 3.89 89 14.26 4.07 92 1-4 Family Residential 18.25 29.02 23 18.06 24.39 33 16.69 28.91 20 15.73 28.62 18 13.22 27.45 15 Home Equity Loans 2.12 1.63 66 3.10 3.43 51 3.90 1.71 81 4.67 1.63 85 5.47 1.54 89 Other Real Estate Loans 55.72 35.72 96 54.51 41.98 83 54.99 34.06 97 53.22 33.00 96 52.83 32.06 96 Farmland 1.96 10.15 22 0.79 3.39 43 0.59 9.12 13 0.65 8.60 15 0.60 7.97 14 Multifamily 1.46 1.36 61 1.37 2.94 30 0.82 1.17 50 0.71 1.03 50 1.05 0.95 62 Non-Farm Non-Residential 52.30 22.52 97 52.35 33.71 89 53.58 22.17 98 51.87 21.90 98 51.17 21.76 99 Owner Occupied Non-Farm Non-Residential 28.51 12.04 95 28.07 16.88 89 26.78 11.53 94 21.07 11.04 86 17.64 10.73 75 Other Non-Farm Non-Residential 23.79 9.20 93 24.28 16.15 79 26.80 9.35 96 30.79 9.62 97 33.53 9.80 97 Total Real Estate 82.00 71.17 73 82.44 77.02 62 82.28 70.41 78 81.11 69.97 78 80.62 68.76 80

Financial Institution Loans 0.21 0.02 97 0.00 0.00 92 0.00 0.05 95 0.00 0.02 95 0.00 0.02 96 Agricultural Loans 0.37 7.48 23 0.29 2.00 52 0.34 7.28 23 0.33 6.75 23 0.30 6.65 21 Commercial & Industrial Loans 14.12 11.58 69 14.23 13.38 59 14.89 12.11 70 16.30 12.65 72 16.79 13.42 71 Loans to Individuals 1.58 6.08 6 1.23 3.51 27 0.99 6.67 1 0.99 7.12 1 1.08 7.58 1 Credit Card Loans 0.00 0.06 74 0.00 0.07 69 0.00 0.06 71 0.00 0.07 69 0.00 0.08 67 Municipal Loans 0.22 0.67 45 0.24 0.59 53 0.24 0.64 45 0.26 0.64 44 0.29 0.62 45 Foreign Office Loans & Leases 0.00 0.00 99 0.00 0.06 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 All Other Loans 1.51 0.18 94 1.57 0.28 91 1.26 0.17 93 1.01 0.19 91 0.93 0.20 91 Lease Financing Receivables 0.00 0.05 80 0.00 0.05 77 0.00 0.06 79 0.00 0.05 79 0.00 0.06 78

Supplemental: Loans to Foreign Governments 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 98 Loans to Finance Comml Real Est 0.00 0.03 83 0.00 0.12 69 0.00 0.04 81 0.00 0.05 79 0.00 0.06 78

Memorandum (% of Avg Tot Loans): Loans & Lease Commitments 12.38 13.74 49 11.74 15.33 35 11.00 12.21 49 13.44 12.16 60 12.95 13.42 51 Officer, Shareholder Loans 2.77 1.93 71 2.35 1.61 70 3.57 1.84 81 2.23 1.85 63 1.04 1.82 40 Officer, Shareholder Loans to Assets 1.60 1.12 70 1.36 1.00 66 2.43 1.17 83 1.69 1.20 69 0.81 1.21 45

Other Real Estate Owned % Assets Construction & Land Development 0.62 0.16 85 0.35 0.35 64 0.28 0.12 80 0.19 0.08 81 0.00 0.03 68 Farmland 0.00 0.01 81 0.00 0.00 81 0.00 0.01 81 0.00 0.00 86 0.00 0.00 92 1-4 Family 0.37 0.11 86 0.43 0.14 87 0.27 0.13 80 0.22 0.10 80 0.09 0.05 74 Multifamily 0.00 0.00 90 0.00 0.01 74 0.00 0.00 89 0.00 0.00 91 0.00 0.00 93 Non-Farm Non-Residential 0.81 0.18 91 0.87 0.23 90 0.80 0.15 94 0.25 0.09 81 0.32 0.06 92 Foreclosed GNMA 0.00 0.00 99 0.00 0.00 99 0.00 0.00 98 0.00 0.00 99 0.00 0.00 99 Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Subtotal 1.80 0.54 88 1.65 0.82 78 1.35 0.49 86 0.67 0.34 78 0.41 0.17 81 Direct and Indirect Inv 0.00 0.00 98 0.00 0.01 95 0.00 0.00 98 0.00 0.00 96 0.00 0.00 96 Total 1.80 0.54 88 1.65 0.88 78 1.35 0.49 86 0.67 0.34 78 0.41 0.18 81

Asset Servicing % Assets Mortgage Servicing w/ Recourse 0.00 0.16 88 0.00 0.05 88 0.00 0.16 89 0.00 0.18 89 0.00 0.14 90 Mortgage Servicing w/o Recourse 0.00 2.38 80 0.00 2.81 71 0.00 1.90 81 0.00 1.76 81 0.00 1.44 80 Other Financial Assets 0.00 0.46 96 0.00 0.28 86 0.00 0.43 96 0.00 1.05 96 0.00 0.65 97 Total 0.00 3.66 74 0.00 4.50 61 0.00 3.24 74 0.00 3.23 74 0.00 2.81 73

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Concentrations of CreditOCC Charter # 0 County: TWO Analysis of Concentrations of Credit--Page 7BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Loan & Leases as a % of Total Capital BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Construction & Development 48.63 25.60 81 52.02 47.28 61 84.50 32.86 89 80.51 39.34 82 114.90 48.59 86 1-4 Family Construction 0.15 6.57 10 1.73 9.06 19 5.91 8.28 47 4.79 10.61 33 4.30 14.97 24 Other Const & Land Development 48.48 16.65 86 50.29 36.14 70 78.59 21.78 92 75.72 25.42 88 110.60 29.47 92 1-4 Family Residential 112.97 166.31 31 124.65 160.13 41 138.06 184.96 35 125.77 192.02 28 95.67 193.10 19 Home Equity Loans 10.05 9.66 62 17.11 22.60 46 26.67 11.53 81 31.15 11.87 83 40.90 11.87 88 Other Real Estate Loans 347.38 211.84 92 365.65 270.93 81 406.41 223.34 95 423.20 228.33 95 425.90 228.07 96 Farmland 12.22 61.11 23 12.93 21.05 56 3.62 59.92 14 5.11 59.05 15 6.04 56.02 18 Multifamily 9.64 8.50 64 9.33 19.94 34 7.41 8.25 57 4.73 7.68 48 6.93 7.17 59 Non-Farm Non-Residential 325.52 131.07 97 343.39 217.93 85 395.38 143.98 98 413.36 150.67 98 412.93 154.15 98 Owner Occupied Non-Farm Non-Residential 179.42 70.08 94 188.45 108.76 87 205.71 76.26 95 176.27 77.86 90 157.88 77.36 85 Other Non-Farm Non-Residential 146.10 53.82 93 154.94 105.77 75 189.66 57.26 96 237.09 64.88 97 255.05 68.53 98 Total Real Estate 508.98 411.59 75 542.32 487.11 66 628.96 451.36 85 629.47 470.40 82 636.47 484.83 79

Financial Institution Loans 6.45 0.12 99 0.00 0.00 94 0.00 0.37 96 0.00 0.16 97 0.00 0.15 97 Agricultural Loans 2.62 43.65 25 2.60 11.88 55 2.98 45.79 27 3.07 45.29 26 2.72 45.20 25 Commercial & Industrial Loans 95.14 67.17 77 90.16 86.19 59 109.38 77.01 76 105.75 84.14 69 139.69 91.95 79 Loans to Individuals 10.49 32.92 10 9.79 20.56 34 7.48 39.82 2 7.71 44.73 2 7.68 48.31 1 Credit Card Loans 0.00 0.32 75 0.00 0.41 70 0.00 0.37 73 0.00 0.43 71 0.00 0.50 69 Municipal Loans 1.26 3.74 46 1.54 3.47 55 1.83 4.21 48 1.87 4.37 47 2.09 4.29 47 Foreign Office Loans & Leases 0.00 0.00 99 0.00 0.32 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 All Other Loans 9.09 1.08 94 10.33 1.73 91 11.81 1.11 94 7.50 1.13 92 7.99 1.26 93 Lease Financing Receivables 0.00 0.32 82 0.00 0.27 79 0.00 0.32 82 0.00 0.31 81 0.00 0.36 80

Supplemental: Loans to Foreign Governments 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.01 99 Loans to Finance Commercial Real Estate 0.00 0.16 85 0.00 0.72 72 0.00 0.19 86 0.00 0.23 84 0.00 0.40 81

Commercial Real Estate Loans as a % of Total Capital: Non-owner OCC Commercial Real Estate 204.37 94.24 90 216.29 181.87 66 281.57 108.85 95 322.32 119.93 95 376.88 134.07 96 Total Commercial Real Estate 383.78 171.30 96 404.74 293.70 77 487.28 192.56 97 498.59 205.58 97 534.76 220.53 97

Commercial Real Estate Loans as a % of Total LN&LS: Construction & Development 7.68 4.37 78 7.93 7.33 59 11.09 5.09 85 10.67 5.80 80 14.45 6.77 84 Non-owner OCC Commercial Real Estate 32.28 16.07 90 32.97 28.33 63 36.96 16.91 92 42.73 17.69 96 47.38 18.94 96 Total Commercial Real Estate 60.62 29.44 96 61.70 46.32 79 63.97 30.02 98 66.10 30.51 98 67.23 31.34 98

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN PD, Nonacc & Rest Loans-aOCC Charter # 0 County: TWO Analysis of Past Due, Nonaccrual & Restructured--Page 8Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 % of Non-Current LN&LS by Loan Type BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Real Estate LNS-90+ Days P/D 0.07 0.10 64 0.00 0.08 54 0.28 0.13 78 0.00 0.17 46 0.10 0.19 57 -Nonaccrual 2.15 1.54 69 1.71 2.95 42 4.21 1.84 83 1.49 1.76 53 2.77 1.21 82 -Total 2.23 1.73 66 1.71 3.10 39 4.49 2.17 82 1.49 2.16 46 2.87 1.57 79 -30-89 DAYS P/D 0.52 1.32 29 1.51 1.00 74 1.73 1.44 65 1.64 1.58 58 2.23 1.51 73

LNS Fin Coml RE-90+ Days P/D N/A 0.00 N/A N/A 0.00 N/A N/A 0.08 N/A N/A 0.00 N/A N/A 0.06 N/A -Nonaccrual N/A 0.61 N/A N/A 0.84 N/A N/A 0.01 N/A N/A 0.09 N/A N/A 0.79 N/A -Total N/A 0.62 N/A N/A 0.84 N/A N/A 0.01 N/A N/A 0.09 N/A N/A 0.00 N/A -30-89 DAYS P/D N/A 0.15 N/A N/A 0.51 N/A N/A 0.42 N/A N/A 0.12 N/A N/A 0.00 N/A

Const & Land Dev-90+ Days P/D 0.00 0.00 93 0.00 0.02 87 1.32 0.01 95 0.00 0.05 88 0.00 0.05 88 -Nonaccrual 0.00 2.63 58 0.00 7.78 27 7.94 4.35 76 2.44 4.30 64 5.42 2.12 81 -Total 0.00 2.77 56 0.00 8.02 25 9.26 4.63 77 2.44 4.71 62 5.42 2.45 79 -30-89 DAYS P/D 0.00 0.52 64 0.00 0.68 50 12.04 0.72 98 1.87 0.84 78 10.50 1.08 94

1-4 Fam Cons & L Dev-90+ Days P/D 0.00 0.22 98 0.00 0.25 96 0.00 0.16 97 0.00 0.32 96 0.00 0.00 94 -Nonaccrual 0.00 0.27 89 0.00 4.21 63 0.00 1.30 82 0.00 1.69 79 0.00 0.89 80 -Total 0.00 0.34 88 0.00 4.47 62 0.00 1.46 80 0.00 1.99 77 0.00 1.13 76 -30-89 DAYS P/D 0.00 0.18 87 0.00 0.25 81 0.00 0.34 84 0.00 0.46 82 32.26 0.96 98

Other Const & Land Dev-90+ Days P/D 0.00 0.00 93 0.00 0.01 90 1.42 0.00 96 0.00 0.03 89 0.00 0.02 91 -Nonaccrual 0.00 3.57 60 0.00 8.07 32 8.54 5.18 75 2.60 5.09 65 5.63 2.22 81 -Total 0.00 3.69 58 0.00 8.31 30 9.96 5.48 76 2.60 5.56 63 5.63 2.56 80 -30-89 DAYS P/D 0.00 0.42 68 0.00 0.66 56 12.95 0.62 97 1.99 0.71 82 9.65 0.67 95

Single & Multi Mtg-90+ Days P/D 0.31 0.13 79 0.00 0.09 61 0.46 0.15 82 0.00 0.18 54 0.63 0.17 85 -Nonaccrual 4.63 1.14 93 1.80 1.92 57 3.73 1.25 88 3.12 1.08 87 2.93 0.70 91 -Total 4.94 1.36 93 1.80 2.09 53 4.19 1.49 88 3.12 1.35 85 3.56 0.96 92 -30-89 DAYS P/D 0.00 1.69 7 0.68 1.12 40 0.35 1.78 15 0.00 1.86 5 0.83 1.74 29

Non-Farm Non-Res Mtg-90+ Days P/D 0.00 0.04 84 0.00 0.04 80 0.00 0.05 82 0.00 0.08 78 0.00 0.12 76 -Nonaccrual 1.62 1.69 61 2.00 2.33 53 3.62 1.84 76 0.81 1.75 48 2.03 1.15 73 -Total 1.62 1.84 57 2.00 2.44 51 3.62 2.07 74 0.81 2.03 44 2.03 1.43 69 -30-89 DAYS P/D 0.81 0.85 62 2.12 0.69 85 0.05 0.98 32 2.14 1.07 77 0.31 0.97 42

Own Occ Non-Farm Non-Res-90+ Days P/D 0.00 0.03 88 0.00 0.03 85 0.00 0.03 87 0.00 0.04 84 0.00 0.08 83 -Nonaccrual 0.00 1.53 44 0.00 2.00 24 2.27 1.64 67 0.56 1.53 55 0.64 0.94 63 -Total 0.00 1.72 41 0.00 2.11 22 2.27 1.81 65 0.56 1.77 52 0.64 1.20 57 -30-89 DAYS P/D 0.00 0.82 46 0.00 0.71 36 0.00 0.94 43 0.00 1.08 41 0.20 0.97 46

Other Non-Farm Non-Res-90+ Days P/D 0.00 0.00 92 0.00 0.01 90 0.00 0.02 90 0.00 0.04 88 0.00 0.05 86 -Nonaccrual 3.61 1.45 80 4.44 2.33 74 5.10 1.70 83 0.99 1.63 66 2.89 1.01 82 -Total 3.61 1.58 79 4.44 2.46 73 5.10 1.97 81 0.99 1.91 62 2.89 1.29 78 -30-89 DAYS P/D 1.80 0.55 84 4.70 0.48 95 0.10 0.66 63 3.73 0.81 87 0.38 0.73 66

Non-Current LN&LS ($000) 90 Days and Over Past Due 113 18 468 10 179 Total Nonaccrual LN&LS 3,057 2,826 7,466 3,367 5,472 Total Non-Current LN&LS 3,170 2,844 7,934 3,377 5,651 LN&LS 30-89 Days Past Due 847 2,244 3,086 3,217 4,348

Gtyd LN&LS 90+ Days P/D 0 0 0 0 0 Gtyd LN&LS on Nonaccrual 0 0 0 0 0 Gtyd LN&LS 30-89 Days P/D 0 0 0 0 0

Restructured LN&LS 90+ Days P/D 0 0 0 0 0 Restructured LN&LS Nonaccrual 0 0 0 0 0 Restructured LN&LS 30-89 Days P/D 0 0 0 0 0

Current 1-4 Family Restru LN&LS 0 0 0 0 0 Current Other Restructured LN&LS 10,128 11,781 2,090 0 0 Loans Secured 1-4 RE in Foreclosure 0 0 0 0 0 Other Real Estate Owned 4,884 6,252 4,239 1,888 340

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN PD, Nonacc & Rest Loans-bOCC Charter # 0 County: TWO Analysis of Past Due, Nonaccrual & Restructured--Page 8APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 % of Non-Current LN&LS by Loan Type BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Coml & Indust LNS-90+ Days P/D 0.00 0.07 76 0.00 0.03 74 0.00 0.08 74 0.00 0.10 69 0.00 0.12 66 -Nonaccrual 0.00 1.03 35 1.39 1.58 61 2.48 1.08 79 2.54 1.07 80 1.69 0.86 77 -Total 0.00 1.23 28 1.39 1.68 59 2.48 1.29 75 2.54 1.32 76 1.69 1.07 72 -30-89 DAYS P/D 0.00 0.87 22 0.00 0.63 18 0.90 0.94 61 0.98 1.20 53 1.15 1.21 58

Loans to Individuals-90+ Days P/D 0.20 0.10 78 0.69 0.05 95 0.52 0.12 88 0.42 0.15 81 0.05 0.16 55 -Nonaccrual 0.00 0.30 42 0.00 0.32 41 0.00 0.34 36 0.00 0.38 33 0.00 0.31 34 -Total 0.20 0.47 45 0.69 0.44 73 0.52 0.52 61 0.42 0.60 50 0.05 0.53 23 -30-89 DAYS P/D 3.79 1.50 87 1.79 1.03 74 2.56 1.61 73 1.67 2.03 45 0.71 2.14 21

Credit Card Plans-90+ Days P/D N/A 0.26 N/A N/A 0.37 N/A N/A 0.26 N/A N/A 0.59 N/A N/A 0.55 N/A -Nonaccrual N/A 0.06 N/A N/A 0.00 N/A N/A 0.01 N/A N/A 0.04 N/A N/A 0.06 N/A -Total N/A 0.31 N/A N/A 0.49 N/A N/A 0.27 N/A N/A 0.63 N/A N/A 0.62 N/A -30-89 DAYS P/D N/A 0.77 N/A N/A 1.16 N/A N/A 0.82 N/A N/A 1.16 N/A N/A 1.35 N/A

Lease Financing-90+ Days P/D N/A 0.04 N/A N/A 0.11 N/A N/A 0.07 N/A N/A 0.00 N/A N/A 0.92 N/A -Nonaccrual N/A 0.00 N/A N/A 0.04 N/A N/A 0.01 N/A N/A 0.01 N/A N/A 0.56 N/A -Total N/A 0.01 N/A N/A 0.05 N/A N/A 0.03 N/A N/A 0.07 N/A N/A 0.03 N/A -30-89 DAYS P/D N/A 0.03 N/A N/A 0.04 N/A N/A 0.01 N/A N/A 0.12 N/A N/A 0.04 N/A

Agricultural LNS-90+ Days P/D 0.00 0.00 92 0.00 0.02 95 0.00 0.01 87 0.00 0.01 84 0.00 0.02 83 -Nonaccrual 0.00 0.05 80 0.00 0.06 81 0.00 0.17 69 0.00 0.23 69 0.00 0.12 72 -Total 0.00 0.07 75 0.00 0.08 79 0.00 0.20 64 0.00 0.32 63 0.00 0.18 63 -30-89 DAYS P/D 0.00 0.09 67 0.00 0.05 76 0.00 0.19 53 0.00 0.28 48 0.00 0.24 50

Other LN&LS-90+ Days P/D 0.02 0.00 91 0.00 0.00 91 0.00 0.01 88 0.03 0.02 86 0.03 0.02 85 -Nonaccrual 0.00 0.08 77 0.00 0.10 78 0.00 0.17 73 0.00 0.18 73 0.00 0.09 77 -Total 0.02 0.12 72 0.00 0.14 73 0.00 0.25 67 0.03 0.32 66 0.03 0.18 69 -30-89 DAYS P/D 0.02 0.20 56 0.00 0.11 64 0.02 0.23 56 0.14 0.38 60 0.20 0.38 63

Total LN&LS-90+ Days Past Due 0.06 0.11 59 0.01 0.08 49 0.24 0.14 75 0.00 0.18 33 0.08 0.19 51 -Nonaccrual 1.73 1.37 65 1.60 2.64 42 3.83 1.71 85 1.60 1.62 59 2.51 1.15 84 -Total 1.79 1.65 63 1.61 2.79 39 4.07 1.92 84 1.60 1.91 51 2.59 1.43 81 -30-89 DAYS P/D 0.48 1.28 27 1.27 0.97 70 1.58 1.39 63 1.53 1.58 55 1.99 1.54 70

Other Pertinent Ratios: Non-Cur LN&LS to-LN&LS Allowance 94.29 98.95 56 102.60 139.20 42 248.71 117.92 86 134.38 130.93 58 234.19 111.83 85 -Equity Capital 12.11 9.41 69 11.41 18.53 46 34.97 12.78 89 13.26 13.26 59 22.61 10.42 84 % Total P/D LN&LS-Incl Nonaccrual 2.27 3.03 45 2.89 3.84 47 5.65 3.42 79 3.13 3.60 49 4.58 3.04 77 Non Curr LNS+OREO to LNS+OREO 4.44 2.57 78 4.99 4.21 69 6.11 2.87 85 2.48 2.65 54 2.75 1.82 76 Non-Curr Restruct Debt/Gr LN&LS 0.00 0.24 61 0.00 0.57 36 0.00 0.09 76 0.00 0.02 85 0.00 0.00 92 Curr+Non-Curr Restruct/GR LN&LS 5.73 0.95 95 6.69 1.71 92 1.07 0.60 73 0.00 0.29 61 0.00 0.07 75 Current Restruct LN&LS 5.73 0.61 98 6.70 1.04 97 1.07 0.43 79 0.00 0.21 65 0.00 0.05 78 Loans Sec 1-4 Fam RE in Forclosure as % Tota 0.00 0.18 63 0.00 0.40 44 0.00 0.23 60 0.00 0.18 63 0.00 0.17 62 Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D 0.00 0.02 94 0.00 0.36 90 0.00 0.03 94 0.00 0.00 94 0.00 1.75 95 Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS 0.00 0.41 88 0.00 0.89 76 0.00 0.62 85 0.00 0.60 85 0.00 0.27 88 Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D 0.00 0.02 93 0.00 0.34 85 0.00 0.12 90 0.00 0.05 91 0.00 0.10 90

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Interest Rate RiskOCC Charter # 0 County: TWO Interest Rate Risk Analysis as a Percent of Assets--Page 9Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Long Assets Insts w/Options BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Mortgage Loans & Pass Thrus 19.72 20.41 50 16.75 17.46 49 13.37 20.18 26 8.49 21.06 10 4.36 21.69 2 Loans & Securities Over 15 Years 0.30 2.96 26 0.48 3.00 22 0.72 2.49 40 0.24 2.78 27 0.20 2.82 26 Loans & Securities 5-15 Years 8.11 5.36 74 7.63 4.81 73 2.13 4.47 37 0.56 4.19 16 1.03 4.17 24

Other Loans and Securities 67.02 59.67 72 57.72 62.02 35 61.37 61.58 49 71.98 62.00 81 78.10 64.10 88 Loans & Securities Over 15 Years 2.21 2.91 51 0.99 2.55 37 1.10 2.17 41 1.08 1.83 45 0.32 1.42 27 Loans & Securities 5-15 Years 19.41 12.41 82 5.73 10.80 24 2.70 10.32 7 2.05 9.52 4 4.00 8.91 17 Total Loans & Securities Over 15 Years 2.52 6.64 32 1.47 6.29 22 1.82 5.29 32 1.32 5.19 28 0.52 4.74 14

CMO'S Total 0.97 1.80 58 0.00 2.61 32 0.00 1.57 41 0.00 1.26 44 0.00 1.18 44 Avg Life Over 3 Years 0.97 0.52 75 0.00 0.91 44 0.00 0.60 56 0.00 0.34 65 0.00 0.41 63

Structured Notes 0.00 0.55 56 3.24 0.66 88 2.16 1.12 78 1.08 0.70 72 0.00 0.17 71 Mortgage Servicing (FV) 0.00 0.01 87 0.00 0.02 77 0.00 0.01 88 0.00 0.01 88 0.00 0.00 88 Total 0.00 0.58 49 3.24 0.71 88 2.16 1.15 77 1.08 0.72 72 0.00 0.19 63

Overall Risk Indicators Available for Sale 30.37 21.65 74 18.30 19.57 50 9.35 18.89 24 5.56 18.26 13 2.88 18.13 7 Held to Maturity 0.00 0.95 64 0.00 0.68 63 0.00 0.91 63 0.00 0.92 61 1.99 0.92 81 Off Balance Sheet 7.37 9.64 43 6.92 11.09 26 7.64 9.43 45 10.65 9.56 64 10.70 10.72 58

Unrealized Appreciation/Depreciation 0.00 0.02 72 0.00 0.02 72 0.00 0.01 75 0.00 0.01 70 -0.01 0.01 5 Unrealized App/Dep % Tier One Cap 0.00 0.24 72 0.00 0.19 72 0.00 0.07 75 0.00 0.14 70 -0.12 0.06 5

Contractual Mat/Reprice Data Loans/Securities Over 3 Year 59.28 40.77 88 34.19 37.91 40 29.70 36.59 34 37.08 37.15 49 38.20 36.22 56 Liabilities Over 3 Year 0.90 3.24 21 1.56 3.70 33 1.59 3.33 35 4.48 2.92 72 9.10 3.11 92 Net Over 3 Year Position 58.37 36.99 92 32.64 33.74 47 28.11 32.88 38 32.59 33.84 47 29.11 32.74 40

Loans/Securities Over 1 Year 76.94 59.64 94 63.24 58.44 61 55.99 57.98 40 61.61 57.97 60 60.53 56.96 60 Liabilities Over 1 Year 4.29 11.48 12 8.38 12.31 32 12.52 12.47 53 17.91 11.59 80 23.65 11.85 92 Net Over 1 Year Position 72.65 47.84 97 54.86 45.50 72 43.47 45.22 44 43.70 46.00 40 36.88 44.74 25

Non-Maturity Deposits 60.81 53.37 74 70.22 50.55 93 64.87 46.22 96 56.51 43.87 89 53.33 41.56 86 Non-Maturity Deps % Long Assets 102.59 144.00 25 205.37 148.54 79 218.40 142.69 84 152.42 131.91 69 139.60 126.74 65 Net Over 3 Year Position -1.53 -12.70 73 -36.03 -12.28 10 -35.17 -9.72 6 -19.43 -6.96 21 -15.13 -5.55 27

As % Tier 1 Capital Structured Notes 0.00 5.73 56 41.12 7.46 90 27.01 11.66 80 11.81 7.63 72 0.00 1.91 71 Mortgage Servicing (FV) 0.00 0.09 87 0.00 0.20 77 0.00 0.08 88 0.00 0.07 88 0.00 0.05 88 Total 0.00 6.08 49 41.12 8.15 90 27.01 12.02 80 11.81 7.95 71 0.00 2.18 63

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Liquidity & FundingOCC Charter # 0 County: TWO Liquidity & Funding--Page 10Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Total Deposits BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Individ, Partnerships, and Corp. 98.40 89.42 97 98.84 90.63 91 98.85 89.29 97 98.78 89.40 97 98.71 89.33 98 U.S. Govt, States & Political Sub in U.S. 1.56 9.90 3 1.07 7.45 14 1.09 9.95 3 1.16 9.90 3 1.18 9.92 2 Comml Banks & Other Dep Inst. in U.S. 0.04 0.23 62 0.10 0.90 53 0.06 0.26 60 0.06 0.24 61 0.11 0.27 67 Banks in Foreign Countries 0.00 0.00 99 0.00 0.08 98 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Foreign Govts and Official Inst. 0.00 0.00 99 0.00 0.04 98 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Total deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Domestic Demand Deposits 19.35 18.25 57 14.84 10.12 75 14.04 14.45 50 3.70 14.05 1 4.50 13.85 4 Domestic Other Transaction Accts 33.45 16.32 94 18.82 6.91 91 18.86 14.86 69 5.57 14.31 10 5.60 13.23 12 Domestic Nontransaction Accts 47.21 64.71 7 66.34 82.20 13 67.10 70.16 38 90.73 71.09 96 89.90 72.42 93 Total Domestic Deposits 100.00 100.00 99 100.00 99.90 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 Deposits in Foreign Offices 0.00 0.00 99 0.00 0.10 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Total Deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Liquidity/Funding Ratios Net Non Core Fund Dep $250M 20.36 -1.31 97 -8.76 5.83 13 -3.22 3.03 26 17.05 19.17 43 21.30 21.94 48 Net Non Core Fund Dep $100M 22.20 10.45 82 -5.60 17.50 7 0.60 16.26 9 14.37 18.84 34 16.76 21.59 35 Core Deposits 68.42 80.66 5 80.38 76.18 66 77.20 79.06 35 64.54 66.51 39 61.81 65.19 34 Short Term Non Core Funding 17.13 4.74 97 1.39 7.65 5 9.91 14.03 27 9.23 15.56 18 5.50 16.30 2 S.T Inv to S.T. Ncore Fund 26.86 321.57 10 1,281.73 139.60 98 172.56 60.50 91 129.59 46.93 90 202.17 33.87 96 S.T. Asset to S.T. Liabilities 72.09 119.18 20 418.07 108.13 97 247.89 94.18 98 173.19 82.26 97 212.48 78.94 99 Net S.T. Liabilities to Assets 5.77 -2.80 76 -21.73 0.23 8 -21.31 2.74 3 -11.67 6.41 7 -14.98 7.89 4 Net Loans & Leases to Deposits 76.47 68.92 69 64.76 75.10 24 76.45 74.84 53 91.94 77.64 83 97.80 82.03 85 Net LN&LS to Core Deposits 83.54 73.73 71 69.83 83.28 24 86.56 81.15 62 116.39 99.69 76 127.16 105.89 78 Brkr Dep Mat < 1 Yr to Brkr Deps N/A 48.85 N/A N/A 59.26 N/A 100.00 50.61 99 65.41 56.43 38 40.49 60.28 18 Brokered Deposits to Deposits 0.00 0.81 64 0.00 2.73 38 0.83 1.32 65 2.67 1.47 76 4.61 1.77 80 Listing Service Dep to Deposits 0.00 0.10 86 0.00 0.74 74 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A List Service and Brkrd Dep to Deps 0.00 1.19 59 0.00 4.10 33 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Sec Bor + sec FFP to Tot Bor + FFP N/A 0.79 N/A 0.00 0.26 89 0.92 1.28 86 0.48 1.14 85 0.48 0.86 85 Recip Brkrd Dep to Tot Brkrd Dep N/A 13.23 N/A N/A 20.00 N/A 0.00 12.93 55 0.00 9.82 58 N/A 0.00 N/A

Total Deposits Individ, Partnerships, and Corp. 222,984 264,250 247,908 223,508 217,513 U.S. Govt, States & Political Sub in U.S. 3,535 2,855 2,735 2,627 2,598 Comml Banks & Other Dep Inst. in U.S. 81 258 146 128 240 Banks in Foreign Countries 0 0 0 0 0 Foreign Govts and Official Inst. 0 0 0 0 0 Total Deposits 226,600 267,363 250,789 226,263 220,351

Domestic Demand Deposits 43,843 39,669 35,221 8,369 9,915 Domestic Other Transaction Accts 75,788 50,313 47,293 12,603 12,332 Domestic Nontransaction Accts 106,969 177,381 168,275 205,291 198,104 Total Domestic Deposits 226,600 267,363 250,789 226,263 220,351 Deposits in Foreign Offices 0 0 0 0 0 Total Deposits 226,600 267,363 250,789 226,263 220,351

Other Liquidity/Funding Data Non Core Liabilities $250M 68,707 34,388 41,891 71,533 78,177 Non Core Liabilities $100M 73,658 41,798 50,393 65,494 68,029 Short Term Non Core Funding 51,923 4,285 28,433 25,551 15,084 Core Deposits 207,419 247,956 221,500 178,732 169,469 Time Deps $250M & Under Mat < 1 Yr 10,723 16,793 N/A N/A N/A Time Deps $250M & Under Mat > 1 Yr 12,339 14,543 N/A N/A N/A Time Deps over $250M Mat < 1 Yr 2,396 305 N/A N/A N/A Time Deps over $250M Mat > 1 Yr 16,784 19,103 N/A N/A N/A Fed Home Loan Bor Mat < 1 Yr 0 0 0 7,000 2,000 Fed Home Loan Bor Mat > 1 Yr 0 11,000 11,000 15,000 22,000 Other Borrowing Mat < 1 Year 0 0 102 107 115 Other Borrowing Mat > 1 Year 0 0 0 0 0 Secured Other Borrowings 0 0 102 107 115 Federal Funds Purchased 0 0 0 0 0 Secured Fed Funds Purchased 0 0 0 0 0 Listing Service Deposits 0 0 N/A N/A N/A Brokered Deposits 0 0 2,089 6,039 10,148 Reciprocal Brokered Deposits 0 0 0 0 N/A

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Liquidity & Inv PortfolioOCC Charter # 0 County: TWO Liquidity & Investment Portfolio--Page 10APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Total Assets BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Short Term Investments 4.60 8.85 30 17.80 7.44 89 17.10 7.38 90 11.96 6.16 85 11.12 4.65 87 Marketable Equity Sec (MES) 0.00 0.00 88 0.00 0.02 73 0.00 0.00 88 0.00 0.00 86 0.00 0.01 87 Net LN&LS & SBLC to Assets 57.35 59.24 43 56.27 63.30 28 66.99 63.89 56 75.55 65.63 80 79.17 68.14 83 Pledged Assets 41.37 21.10 87 25.94 27.92 50 28.81 22.09 68 2.05 17.49 8 N/A 0.00 N/A

Securities Mix % Total Securities US Treas & Govt Agencies 43.67 26.87 72 40.64 24.67 72 26.81 33.15 44 58.37 33.71 76 53.97 34.37 73 Municipal Securities 15.99 34.57 24 12.72 21.29 37 25.30 29.32 43 41.63 27.11 72 45.96 24.98 82 Pass-Through Mtg Backed Secs 37.13 18.42 76 46.64 23.55 79 47.89 16.68 88 0.00 19.23 15 0.00 21.44 14 CMO & REMIC Mtg Backed Secs 3.20 7.52 54 0.00 12.73 32 0.00 7.20 41 0.00 5.92 44 0.00 5.60 44 Commercial Mtg Back Secs 0.00 0.00 92 0.00 0.07 87 0.00 0.00 94 0.00 0.00 94 N/A 0.00 N/A Asset Backed Securities 0.00 0.27 96 0.00 0.22 95 0.00 0.03 98 0.00 0.04 97 0.00 0.06 97 Structured Financial Products 0.00 0.13 96 0.00 0.01 91 0.00 0.12 96 0.00 0.17 96 N/A 0.00 N/A Other Domestic Debt Secs 0.00 0.85 72 0.00 1.22 65 0.00 0.69 74 0.00 0.73 73 0.00 1.00 69 Foreign Debt Securities 0.00 0.05 97 0.00 0.18 96 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Inv Mut Fnd & Oth Mktbl 0.00 0.01 88 0.00 0.13 73 0.00 0.01 88 0.00 0.03 86 0.07 0.03 88 Total 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Liquidity/Securities Ratios: App (Dep) Hi Risk & Struc/T1 Cap 0.00 0.01 69 0.11 0.02 87 0.08 -0.09 87 0.00 -0.03 81 0.00 0.01 79 App (Dep) in AFS sec to AFS Sec 0.93 2.18 22 1.08 2.05 28 1.78 0.56 82 0.44 1.44 22 0.16 1.00 25 App (Dep) in HTM Sec to HTM Sec N/A 2.71 N/A N/A 2.64 N/A N/A 1.01 N/A N/A 1.64 N/A -0.57 0.78 17 App (Dep) in HTM Sec to Eqy Cap 0.00 0.22 72 0.00 0.18 72 0.00 0.06 75 0.00 0.13 70 -0.12 0.06 5 Pledged Securities to Tot Sec 58.82 40.43 75 13.41 44.86 13 19.33 44.78 18 36.85 47.98 35 70.49 50.70 73 Pledged Loans to Total Loans 40.35 17.78 79 41.19 26.00 71 39.75 18.11 79 0.00 10.64 59 N/A 0.00 N/A Loans Held for Sale to Total Loans 0.24 0.11 79 0.85 0.37 79 0.85 0.10 92 0.05 0.06 78 0.00 0.05 78

Short Term Investments 13,945 54,922 49,065 33,111 30,496 Short Term Assets 45,160 88,121 102,469 76,459 77,576 Debt Securities 90+ Days P/D 0 0 0 0 0 Total Non-Current Debt Sec 0 0 0 0 0 Fair Value Structured Notes 0 10,027 6,218 3,001 0 Pledged Securities 54,149 7,570 5,189 5,674 9,414 Pledged Loans & Leases 71,272 72,459 77,479 0 N/A Loans Held for Sale 431 1,487 1,653 112 0

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Capital Analysis-aOCC Charter # 0 County: TWO Capital Analysis--Page 11Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Capital Ratios BANK PG 5 PCT BANK PG 3 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT Percent of Bank Equity: Net Loans & Leases (x) 6.62 5.82 67 6.95 6.37 63 8.45 6.60 83 8.17 6.86 74 8.62 7.18 75 Subord Notes & Debentures 0.00 0.04 99 0.00 0.69 95 0.00 0.06 99 0.00 0.12 99 0.00 0.05 99 Long Term Debt 0.00 0.04 99 0.00 0.69 95 0.00 0.06 99 0.00 0.12 99 0.00 0.05 99 Com RE & Related Ventures 417.37 168.52 96 450.53 285.38 83 559.85 196.10 98 548.65 207.42 97 579.87 221.55 97 Percent of Average Bank Equity: Net Income 3.93 9.58 13 3.29 6.29 26 -11.09 8.15 4 2.99 6.92 23 5.03 9.44 22 Dividends 0.00 4.46 17 0.00 2.88 35 0.00 3.79 22 1.34 4.04 26 2.20 5.60 24 Retained Earnings 3.93 4.45 43 3.29 2.74 42 -11.09 3.58 5 1.65 2.26 37 2.83 3.04 44 Other Capital Ratios: Dividends to Net Operating Income 0.00 43.68 13 0.00 33.98 25 N/A 41.71 N/A 44.85 50.36 41 43.81 57.73 34 Bank Eq Cap + Min Int to Assets 8.64 10.36 14 8.08 10.15 13 7.91 9.86 10 9.20 9.78 42 9.12 9.73 42 Growth Rates: Total Equity Capital 5.05 5.67 46 9.85 8.64 59 -10.91 3.79 4 1.89 5.79 28 3.04 5.53 36 Equity Growth Less Asst Growth 6.77 0.14 84 2.33 3.84 42 -14.51 0.48 4 0.89 -0.01 54 -5.91 -1.37 26 Intang Assets % Bank Equity Mortgage Servicing Rights 0.00 0.08 87 0.00 0.17 77 0.00 0.07 88 0.00 0.06 88 0.00 0.05 88 Goodwill 0.00 1.49 67 0.00 2.18 61 0.00 1.80 66 0.00 1.84 66 0.00 2.13 65 Purch Credit Card Relations 0.00 0.00 99 0.00 0.04 96 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 All Other Intangibles 0.00 0.22 77 0.00 0.32 64 0.00 0.33 74 0.00 0.36 74 0.00 0.42 74 Total Intangibles 0.00 2.23 51 0.00 3.25 39 0.00 2.70 51 0.00 2.76 51 0.00 3.04 50

Risk-Based Capital Tier One RBC to Risk-Wgt Assets 12.37 15.19 22 12.22 13.92 33 10.96 13.97 17 11.03 13.27 26 10.44 12.92 24 Total RBC to Risk-Weight Assets 13.62 16.34 23 13.48 15.18 32 12.21 15.14 19 12.13 14.41 27 11.45 14.00 23 Tier One Leverage Capital 8.48 9.77 20 8.05 9.40 19 8.02 9.38 18 9.15 9.25 55 9.75 9.27 67 Other Capital Ratio: Def Tax Asset to T1 Cap 0.00 0.67 61 0.00 1.61 46 0.00 1.08 52 0.00 1.00 54 0.00 0.99 53

End of Period Capital ($000) Perpetual Preferred 0 0 0 0 0 + Common Stock 300 300 300 300 300 + Surplus 18,190 18,190 17,600 17,350 17,350 + Undivided Profits 6,839 5,829 5,052 7,748 7,332 + Accum Other Comp Income 852 604 -263 70 13 + Other Equity Capital Comp 0 0 0 0 0 Total Bank Equity Capital 26,181 24,923 22,689 25,468 24,995 Minority Interest Cons Subs 0 0 0 0 0 Total Bank Capital & Min Int 26,181 24,923 22,689 25,468 24,995

Subordinated Notes & Debentures 0 0 0 0 0

Changes in Bank Equity ($000) Balance at Beginning of Period 24,923 22,689 25,468 24,994 24,257 + Net Income 1,009 777 -2,696 758 1,244 + Sales or Purchase of Capital 0 0 0 0 0 + Merger & Absorptions 0 0 0 0 0 + Restate due to Acctg Error&Chg 0 0 0 0 0 + Trans with Parent 0 590 250 0 0 - Dividends 0 0 0 340 545 + Other Comprehensive Income 248 867 -333 56 38 Balance at End of Period 26,180 24,923 22,689 25,468 24,994

Intangible Assets Mortgage Servicing Rights 0 0 0 0 0 + Purch Credit Card Relations. 0 0 0 0 0 + Other Intangibles 0 0 0 0 0 + Goodwill 0 0 0 0 0 Total Intangibles 0 0 0 0 0

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Capital Analysis-bOCC Charter # 0 County: TWO Capital Analysis--Page 11APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Risk Based Capital ($000) Tier One Capital Total Equity Capital Adjusted 25,329 24,319 22,952 25,398 24,982 - Ineligible Def Tax Assets 0 0 0 0 0 - Ineligible Intangibles 0 0 0 0 0 - Cumul Change F.V. Financial Liab 0 0 0 0 0 Net Tier One 25,329 24,319 22,952 25,398 24,982

Tier Two Capital + Qualif Debt and Redeem Pfd 0 0 0 0 0 + Cumulative Preferred Stock 0 0 0 0 0 + Allowable LN&LS Loss Allow 2,571 2,497 2,635 2,513 2,413 + Unrl Gain Mktbl Eqy Sec (45%) 0 0 0 0 0 + Other Tier 2 Capital Comp 0 0 0 0 0 Net Eligible Tier Two 2,571 2,497 2,635 2,513 2,413

Total RBC Before Deductions Tier One & Tier Two 27,900 26,816 25,587 27,911 27,395 Tier Three & Fin Sub Adj 0 0 0 0 0 - Deductions for Total RBC 0 0 0 0 0 Total Risk-Based-Capital 27,900 26,816 25,587 27,911 27,395

Risk-Weighted Assets On-Balance Sheet Category Two - 20% 13,329 7,745 4,525 5,962 4,342 Category Three - 50% 20,203 16,465 16,307 15,296 8,545 Category Four - 100% 164,711 167,388 182,243 198,912 217,043 Total On-Balance Sheet 198,243 191,598 203,075 220,170 229,930 Memo: Category One - 0% 33,907 71,605 52,149 20,080 20,752

Off-Balance Sheet Category Two - 20% 0 0 0 0 0 Category Three - 50% 0 0 0 0 0 Category Four - 100% 7,336 7,628 6,977 10,004 9,364 Total Off-Balance Sheet 7,336 7,628 6,977 10,004 9,364 Memo: Category One - 0% 0 0 0 0 0

Adjustments to Risk-Wgt Assets Risk-Weighted Asset Before Ded 205,579 199,226 210,052 230,174 239,294 - Excess Allowable LN&LS Loss Al 791 275 553 0 0 - Allocated Transfer Risk Reserve 0 0 0 0 0 + Mkt Risk Asset & Fin Sub Adj 0 0 0 0 0 Total Risk-Weighted Assets 204,789 198,952 209,500 230,174 239,295

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Income Statement 1-Qtr-AnnOCC Charter # 0 County: TWO One Quarter Annualized Income Analysis--Page 12Public Report

12/31/2012 9/30/2012 6/30/2012 3/31/2012 12/31/2011 Earnings and Profitability BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 3 PCT Percent of Average Assets: Interest Income (TE) 4.24 4.23 50 4.06 4.35 30 4.09 4.39 31 4.24 4.43 38 4.28 4.41 40 - Interest Expense 0.43 0.58 27 0.71 0.63 63 0.63 0.67 46 0.65 0.72 41 0.74 0.80 43 Net Interest Income (TE) 3.81 3.64 63 3.35 3.71 27 3.45 3.71 33 3.59 3.69 44 3.54 3.61 43 + Noninterest Income 0.67 0.68 55 0.70 0.69 57 0.75 0.68 62 0.73 0.66 62 0.27 0.70 21 - Noninterest Expense 4.07 3.02 90 3.66 2.91 85 3.72 2.93 87 3.82 2.91 90 3.63 2.98 78 - Provision: Loan & Lease Losses 0.17 0.21 54 0.20 0.17 65 0.10 0.20 40 0.10 0.20 39 0.00 0.52 12 Pretax Operating Income (TE) 0.25 1.12 13 0.19 1.34 7 0.38 1.28 12 0.39 1.26 11 0.18 0.83 23 + Realized Gains/Losses Sec 0.10 0.03 84 0.16 0.03 87 0.00 0.04 62 0.00 0.03 68 0.00 0.03 58 Pretax Net Operating Income (TE) 0.34 1.17 14 0.35 1.40 8 0.38 1.36 10 0.39 1.32 10 0.18 0.87 21 Net Operating Income 0.31 0.91 15 0.32 1.08 11 0.36 1.05 12 0.37 1.02 13 0.16 0.61 21 Adjusted Net Operating Income 0.66 0.88 33 0.48 1.07 19 0.44 1.09 14 0.57 1.08 20 -0.68 0.55 15 Net Inc Attrib Min Ints 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 98 Net Income Adjusted Sub S 0.23 0.78 14 0.23 0.92 7 0.25 0.89 10 0.26 0.87 10 0.12 0.55 21 Net Income 0.31 0.91 15 0.32 1.08 11 0.36 1.05 12 0.37 1.02 13 0.16 0.61 21

Margin Analysis: Int Inc (TE) to Avg Earn Assets 4.55 4.61 46 4.33 4.73 26 4.39 4.77 28 4.56 4.82 35 4.53 4.76 35 Int Expense to Avg Earn Assets 0.46 0.63 27 0.76 0.68 62 0.68 0.73 45 0.70 0.78 40 0.79 0.86 42 Net Int Inc-TE to Avg Earn Assets 4.09 3.96 57 3.58 4.03 22 3.71 4.02 33 3.86 4.02 40 3.75 3.89 40

Loan & Lease Analysis: Net Loss to Average Total LN&LS -0.31 0.40 1 0.07 0.30 44 0.04 0.28 37 -0.18 0.23 3 1.42 0.91 74 Earnings Coverage of Net Loss (X) -2.10 6.32 17 8.53 8.87 60 21.31 3.31 76 -4.55 0.21 24 0.20 6.74 19 LN&LS Allowance to Net Losses (X) -6.18 4.22 15 24.23 5.75 81 46.61 2.70 91 -9.49 0.64 22 1.09 4.38 26

Capitalization Cash Dividends to Net Income 0.00 63.04 32 0.00 25.85 44 0.00 33.39 39 0.00 26.44 46 0.00 30.72 50 Retain Earns to Avg Total Equity 3.53 1.12 55 3.71 6.28 30 4.18 5.18 39 4.28 5.87 35 2.02 0.92 41

Yield on or Cost of: Total Loan & Leases (TE) 6.11 5.93 63 6.11 6.00 60 6.16 6.04 61 6.55 6.09 78 6.58 5.82 88 Loans in Domestic Offices 6.11 5.91 63 6.11 5.98 61 6.16 6.02 62 6.55 6.07 78 6.58 5.80 88 Real Estate 6.25 5.80 76 6.20 5.86 72 6.15 5.90 67 6.68 5.96 86 6.79 5.75 92 Secured by 1-4 Fam Resi Prop 4.49 5.91 6 4.91 6.01 10 5.41 6.04 22 5.96 6.13 44 5.37 5.74 38 All Other Loans Sec Real Estate 6.74 5.73 87 6.57 5.78 85 6.37 5.83 79 6.89 5.87 89 7.22 5.77 94 Commercial & Industrial 5.58 6.11 35 5.57 6.17 31 6.37 6.17 63 6.08 6.23 48 6.09 5.92 63 Individual 16.37 8.02 98 19.64 8.06 99 13.40 8.15 96 16.87 8.15 99 17.06 7.58 97 Credit Card N/A 9.07 N/A N/A 9.42 N/A N/A 9.41 N/A N/A 9.31 N/A N/A 9.38 N/A Agricultural 5.33 5.64 42 5.71 5.67 55 5.83 5.75 56 6.11 5.85 64 6.30 5.28 68 Loans in Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Total Investment Securities (TE) 2.10 2.57 32 1.67 2.69 12 1.66 2.81 9 1.69 2.97 8 1.81 3.01 10 Total Investment Securities (Book) 1.98 2.17 41 1.56 2.29 12 1.57 2.42 10 1.59 2.56 9 1.70 2.69 9 US Treas & Agency (Excl MBS) 2.55 1.56 88 2.16 1.64 77 2.13 1.73 72 1.85 1.88 50 1.83 2.00 46 Mortgage Backed Securities 1.32 1.88 23 0.73 2.04 7 0.58 2.24 6 0.93 2.59 6 1.15 2.77 3 All Other Securities 2.37 3.02 24 2.66 3.13 28 2.91 3.26 31 3.36 3.38 46 3.51 3.61 43 Interest-Bearing Bank Balances 0.81 0.43 78 0.59 0.42 69 0.49 0.45 64 0.50 0.42 69 0.45 0.32 77 Federal Funds Sold & Resales N/A 0.18 N/A N/A 0.20 N/A N/A 0.19 N/A N/A 0.15 N/A N/A 0.18 N/A

Total Interest Bearing Deposits 0.31 0.72 4 0.36 0.78 5 0.38 0.83 5 0.66 0.89 23 0.82 0.92 39 Transaction accounts 0.02 0.24 0 0.02 0.25 1 0.03 0.27 1 0.10 0.30 15 0.13 0.37 21 Other Savings Deposits 0.19 0.32 29 0.17 0.34 21 0.18 0.36 20 0.69 0.39 85 0.78 0.43 87 Time Deps Over $100M 0.77 1.17 17 0.89 1.25 20 0.90 1.32 16 0.93 1.40 14 1.43 1.45 50 All Other Time Deposits 1.14 1.16 52 1.32 1.23 61 1.36 1.30 57 1.46 1.38 58 1.52 1.51 55 Foreign Office Deposits N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.19 N/A

Federal Funds Purchased & Repos 1.84 0.33 93 1.84 0.32 95 1.89 0.34 95 1.79 0.37 95 0.28 0.60 39 Other Borrowed Money -3.18 2.71 0 6.44 2.73 95 3.38 2.89 59 3.35 3.04 52 3.38 2.73 59 Subord Notes & Debentures N/A 8.06 N/A N/A 7.67 N/A N/A 7.52 N/A N/A 8.29 N/A N/A 5.01 N/A All Interest-Bearing Funds 0.55 0.79 22 0.91 0.85 58 0.81 0.90 39 0.83 0.96 35 0.93 1.02 41

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Securitization & Asset Sale-aOCC Charter # 0 County: TWO Securitization & Asset Sale Activities--Page 13Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year Securitization Activities 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Retained Interest-Only Strips 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Retained Credit Enhancements 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Unused Liquidity Commitments 0.00 0.00 0.00 0.00 0.00 N/A N/A

Sellers Interest in Secs & Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A

Total Retained Credit Exposure 0.00 0.00 0.00 0.00 0.00 N/A N/A

Asset Backed Comml Paper Conduits 0.00 0.00 0.00 0.00 0.00 N/A N/A CR Exp Spons by Bank & Other 0.00 0.00 0.00 0.00 0.00 N/A N/A Liquid Comm by Bank & Other 0.00 0.00 0.00 0.00 0.00 N/A N/A

Activity % Total Assets Securitization Activities 0.00 0.00 0.00 0.00 0.00 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Asset Backed Comml Paper Conduits 0.00 0.00 0.00 0.00 0.00 Cr Exp Spons by Bank & Other 0.00 0.00 0.00 0.00 0.00 Liquid Comm by Bank & Other 0.00 0.00 0.00 0.00 0.00

Percent of Tot Managed Assets on Balance Sheet & Sec Assets 1-4 Family Residential Loans 16.23 16.37 14.61 12.53 6.88 Home Equity Lines 1.58 2.61 3.50 4.12 5.13 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 1.57 1.40 0.90 0.92 0.85 Commercial & Industrial Loans 15.01 13.73 14.35 14.00 17.53 All Other Loans and Leases 65.61 65.89 66.65 68.43 69.60

Percent Change

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Securitization & Asset Sale-bOCC Charter # 0 County: TWO Securitization & Asset Sale Activities--Page 13APublic Report

12/31/2012 12/31/2010 12/31/2009 12/31/2008 % Tot Securitization Act by Type Retained Int Only Strips N/A N/A N/A N/A 1-4 Family Residential Loans N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A

Retained Credit Enhancement N/A N/A N/A N/A 1-4 Family Residential Loans N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A

Unused Comm to Provide Liquidity N/A N/A N/A N/A N/A Sellers Int in Secs & LNS % Trust N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A

Percent of Tier 1 Capital Total Retained Credit Exposure 0.00 0.00 0.00 0.00 0.00 Retained Interest-Only Strips 0.00 0.00 0.00 0.00 0.00 Retained Credit Enhancements 0.00 0.00 0.00 0.00 0.00

30-89 Day PD Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total 30-89 Day PD Secur Assets 0.00 0.00 0.00 0.00 0.00

90+ Days PD Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total 90+ Days PD Secur Assets 0.00 0.00 0.00 0.00 0.00

Total Past Due Securitized Assets 0.00 0.00 0.00 0.00 0.00

Net Losses Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total Net Charge Off Secur Asset 0.00 0.00 0.00 0.00 0.00

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Securitization & Asset Sale-cOCC Charter # 0 County: TWO Securitization & Asset Sale Activities--Page 13BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 30-89 Day PD Securitized Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 30-89 Days PD Secur Asset N/A N/A N/A N/A N/A

90+ Day PD Securitized Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 90+ Day PD Secur Asset N/A N/A N/A N/A N/A

Total PD Securitized Asets % N/A N/A N/A N/A N/A

Net Losses on Securitized Assets% 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Net Losses on Securitized Assets N/A N/A N/A N/A N/A

30-89 DAY PD managed assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 30-89 Day PD Manage Asset N/A N/A N/A N/A N/A

90+ DAY PD MANAGED ASSETS % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 90+ Day PD Manage Asset N/A N/A N/A N/A N/A

Total Past Due Managed Assets % N/A N/A N/A N/A N/A

Net Losses on Managed Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Net Losses on Managed Assets N/A N/A N/A N/A N/A

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Fiduciary Services-aOCC Charter # 0 County: TWO Fiduciary & Related Services--Page 14Public Report

12/31/2012 9/30/2012 12/31/2011 Total Fiduciary and Related Assets '($000)' %Total %MGD '($000)' %Total %MGD '($000)' %Total %MGD %Change Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Foundation & Endowment Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Fiduciary Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A Memo: Accts in Foreign Offices N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: IRA, HSA & Other N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Total Fiduciary and Related Accounts (#) %Total %MGD (#) %Total %MGD (#) %Total %MGD %Change Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Foundation & Endowment Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Number of Accounts N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A Memo: Accts in Foreign Offices N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: IRA, HSA & Other N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Fiduciary and Related Services Income '($000)' %FID IN %Change '($000)' %FID IN %Change '($000)' %FID IN %Change Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Foundation & Endowment Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Related Services N/A N/A N/A N/A N/A N/A N/A N/A N/A Gross Fiduciary and Related Income N/A N/A N/A N/A N/A N/A N/A N/A N/A Less: Expenses N/A N/A N/A N/A N/A N/A N/A N/A N/A Less:Net Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A Plus: Intra-company Credits N/A N/A N/A N/A N/A N/A N/A N/A N/A Net Fiduciary and Related Income N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: Fiduciary Income - Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A Gross Fiduciary Income % Nonint Inc N/A N/A N/A

Fiduciary Income % Fiduciary Assets Bank PCT Bank PCT Bank PCT Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Fiduciary Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: Fiduciary Income Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Assets '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Accounts (#) %Total %Change (#) %Total %Change (#) %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

FDIC Certificate # 22222 FRB District/ID_RSSD 9 / 222222 TWO BANK TWO, MN Fiduciary Services-bOCC Charter # 0 County: TWO Fiduciary & Related Services--Page 14APublic Report

Gross Fiduciary Losses - Managed '($000)' %Rev PCT '($000)' %Rev PCT '($000)' %Rev PCT Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A EB & Retirement Related Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Gross Managed Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Gross Fiduciary Losses - Non Managed Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A EB & Retirement Related Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Gross Non Managed Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Net Fiduciary Losses - ALL Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A EB & Retirement Related Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Net Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Corporate Trust and Agency '($000)' #ISS %Change '($000)' #ISS %Change '($000)' #ISS %Change

Corporate and Muni Trusteeships N/A N/A N/A N/A N/A N/A N/A N/A N/A Issues in Default N/A N/A N/A N/A N/A N/A N/A N/A N/A All Other Corporate N/A N/A N/A N/A N/A N/A N/A N/A N/A

Managed Assets in Fiduciary Accts '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Noninterest-Bearing Deposits N/A N/A N/A N/A N/A N/A N/A N/A N/A Interest-Bearing Deposits N/A N/A N/A N/A N/A N/A N/A N/A N/A U.S. Treasury & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A State, County & Municipal N/A N/A N/A N/A N/A N/A N/A N/A N/A Money Market Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Equity Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Common & Collective Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Short-Term Obligations N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Notes and Bonds N/A N/A N/A N/A N/A N/A N/A N/A N/A Unregistered Funds & Private Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Common & Preferred Stocks N/A N/A N/A N/A N/A N/A N/A N/A N/A Real Estate Mortgages N/A N/A N/A N/A N/A N/A N/A N/A N/A Real Estate N/A N/A N/A N/A N/A N/A N/A N/A N/A Miscellaneous Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Managed Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A

Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

Peer Group Descriptions for Fiduciary & Related Services: Peer Number

Memo: Fiduciary Income Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Assets '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Accounts (#) %Total %Change (#) %Total %Change (#) %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

12/31/20119/30/201212/31/2012

Net Interest Income (TE):Avg Assets

Net Income:Avg AssetsFiduciary Activities (inc)

Deposit Service Charges

Noninterest Income:Avg Assets Net from Trading Fees &

Comms (if available)

Foreign Exchange Trading Average Assets per(if available) employee-$MM

Other Non-Interest Income

Personnel Expense:Avg Assets

Non-interest expense: Average Personnel ExpAvg Assets per equiv Emp-$M

Provision for loan & lease Premises, fixed assets:losses: Avg Assets Occupancy Expense: Avg Assets

Avg Assets

Realized G/L Avg Assets per domesicHTM Securities office

Other operating expenses:Avg Assets

Effiency Ratio

Realized G/LAFS Securities

Net Extraordinary Items:Avg Assets

Applicable Income Tax:Avg Assets

Total Loans & Leases Real Estate Loans Real Estate Loans(Yield On) (yield on) Avg Gross Lns & Leases

Interest Income (TE):Avg Earning Assets

Interest Income (TE):Avg Assets

Other Interest Income US Treasury & agency Commercial & Industria Commercial & IndustrialSecurities Loans (yield on) Avg Gross Lns & Leases

Average Earning AssetsAvg Assets

Net Loans and LeasesAvg Assets

Investment Securities Mortgage backed securities Loans to Individuals Loans to Individuals(Yield On) (yield on) (yield on) Avg Gross Lns & Leases

Debt Securities:Avg Assets

Interest-Bearing BankBalances: Avg Assets Interest Bearing Bank All other securities Agriculture Loans Agriculture Loans:

Balances (Yield On) (yield on) (yield on) Avg Gross Lns & LeasesFederal Funds SoldAvg Assets

Trading Acct Securities:Avg Assets

Equity Securities: Federal Funds SoldAvg Assets (Yield On)

Interest ExpenseAvg Assets

Page 2

Transactions Accounts All other time deposits(cost of) (cost of)

Total Interest Bearing Deposits (cost of)

Other savings & deposits Foreign Office Deposits(cost of) (cost of)

Interest ExpenseAvg Earning Assets

Time deps over $100M(cost of)

Federal Funds Purchased& Repos (cost of)

Other Borrowings (+ noteoption) (cost of)

Subord Notes & Debentures (cost of)

Interest-bearing transaction Foreign office depositsaccts:avg assets avg assets

Interest-Bearing Funds Interest-bearing non-trans Other borrowings:Avg Assets accts:avg assets avg assets

Federal funds & repos Subord notes & debenturesavg assets avg assets

Page 3

BANK THREE

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Table of ContentsOCC Charter # 0 County: THREE December 31, 2012 Uniform Bank Performance ReportPublic Report

InformationIntroduction Table of ContentsThis uniform bank performance report covers the operations of a bank and that of a Sectioncomparable group of peer banks. It is provided as a bank management tool by the Federal Cover PageFinancial Institutions Examination Council. Detailed information Summary Ratios--Page 1concerning the content of this report is provided in the Users Guide for the Uniform Income Statement $--Page 2Bank Performance Report found online at www.ffiec.gov. Noninterest Income, Expenses and Yields--Page 3This report has been produced for the use of the federal regulators of financial Balance Sheet $--Page 4institutions in carrying out their supervisory responsibilities. All information contained herein Off Balance Sheet Items--Page 5was obtained from sources deemed reliable however no guarantee is given as to Derivative Instruments--Page 5Athe accuracy of the data. The information contained in this report are not to be construed Derivative Analysis--Page 5Bas a rating or other evaluation of a financial institution by a federal banking regulator. Balance Sheet Percentage Composition--Page 6The quarterly report of condition and income is the principal source of information Analysis of Credit Allowance and Loan Mix--Page 7for this report. Please refer to that document for additional financial information and Analysis of Credit Allowance and Loan Mix--Page 7Aan explanation of the accounting standards that underlie data shown herein. Analysis of Concentrations of Credit--Page 7BFor questions regarding content of reports contact: Analysis of Past Due, Nonaccrual & Restructured--Page 81-888-237-3111 or email: cdr.help@ffiec.gov Analysis of Past Due, Nonaccrual & Restructured--Page 8A

Interest Rate Risk Analysis as a Percent of Assets--Page 9Financial Institution Address: Liquidity & Funding--Page 10THREE BANK Liquidity & Investment Portfolio--Page 10A3333 THREE PARKWAY Capital Analysis--Page 11SUITE 140 Capital Analysis--Page 11ATHREE AL One Quarter Annualized Income Analysis--Page 1235243- Securitization & Asset Sale Activities--Page 13

Securitization & Asset Sale Activities--Page 13AThe Current Federal Regulator is: Securitization & Asset Sale Activities--Page 13BFederal Deposit Insurance Corporation Fiduciary & Related Services--Page 14

Fiduciary & Related Services--Page 14AThe bank was established on: 1/1/2005

The current peer group for this bank is: 4 Bank Holding Company Information:Insured commercial banks having assets between $100 million and $300 million, FRB District / ID_RSSD 6 / 0with 3 or more full service banking offices and located in a metropolitan statistical area

,

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Summary RatiosOCC Charter # 0 County: THREE Summary Ratios--Page 1Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Earnings and Profitability BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Percent of Average Assets: Interest Income (TE) 4.17 4.25 43 4.47 4.56 42 4.77 4.82 45 5.07 4.98 54 6.09 5.85 70 - Interest Expense 1.31 0.63 98 1.64 0.87 98 1.93 1.18 96 2.16 1.96 62 2.58 2.76 34 Net Interest Income (TE) 2.86 3.61 8 2.83 3.69 6 2.85 3.65 9 2.92 2.99 47 3.51 3.08 74 + Noninterest Income 1.44 0.69 88 0.63 0.63 55 0.52 0.64 41 0.46 0.28 77 0.41 0.27 75 - Noninterest Expense 3.68 3.32 70 3.76 3.33 72 3.08 3.34 39 3.28 3.25 51 3.16 3.50 38 - Provision: Loan & Lease Losses 0.62 0.29 83 0.93 0.51 79 0.27 0.78 26 2.28 1.57 70 0.52 1.00 42 Pretax Operating Income (TE) 0.01 0.75 18 -1.23 0.48 12 0.02 0.19 33 -2.18 -1.59 35 0.24 -1.15 77 + Realized Gains/Losses Sec 0.38 0.07 93 0.07 0.05 72 0.10 0.05 75 0.30 0.06 92 0.00 0.01 70 Pretax Net Operating Income (TE) 0.39 0.84 24 -1.16 0.54 11 0.12 0.25 34 -1.89 -1.52 38 0.24 -1.15 76 Net Operating Income 0.39 0.65 29 -1.16 0.37 10 0.12 0.13 34 -1.89 -1.52 37 0.24 -1.07 78 Adjusted Net Operating Income -0.27 0.59 14 -0.73 0.38 15 0.06 0.24 32 -1.28 -1.07 40 0.52 -0.49 75 Net Inc Attrib to Min Ints 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 N/A 0.00 N/A Net Income Adjusted Sub S 0.39 0.56 32 -1.16 0.31 10 0.12 0.07 34 -1.89 -1.53 37 0.24 -1.08 79 Net Income 0.39 0.64 29 -1.16 0.38 10 0.12 0.13 34 -1.89 -1.53 37 0.24 -1.07 78

Margin Analysis: Avg Earning Assets to Avg Assets 96.24 92.37 87 94.74 92.55 72 88.17 92.32 12 95.15 94.34 57 97.60 95.31 79 Avg Int-Bearing Funds to Avg Assets 81.14 74.26 81 81.56 75.75 77 82.39 77.13 75 84.62 80.52 73 87.08 78.63 93 Int Inc (TE) to Avg Earn Assets 4.33 4.62 31 4.72 4.94 34 5.41 5.24 62 5.33 5.28 56 6.24 6.14 58 Int Expense to Avg Earn Assets 1.36 0.69 98 1.73 0.94 98 2.18 1.28 98 2.27 2.08 59 2.64 2.90 30 Net Int Inc-TE to Avg Earn Assets 2.97 3.92 5 2.98 4.00 4 3.23 3.96 12 3.06 3.17 47 3.60 3.24 71

Loan & Lease Analysis: Net Loss to Average Total LN&LS 1.81 0.52 93 0.69 0.82 54 0.43 0.98 37 2.05 1.52 65 0.27 0.53 49 Earnings Coverage of Net Losses (X) 0.49 7.92 18 -0.61 5.85 5 0.88 4.80 31 0.06 0.64 46 3.19 1.23 72 LN&LS Allowance to LN&LS Not HFS 2.31 1.91 72 2.82 1.99 82 1.91 1.97 55 1.75 2.07 42 1.12 1.58 20 LN&LS Allowance to Net Losses (X) 1.12 7.01 6 3.79 5.13 60 4.14 3.92 67 0.88 2.64 24 4.87 12.83 51 LN&LS Allowance to Total LN&LS 2.14 1.89 66 2.73 1.97 81 1.86 1.95 53 1.72 2.06 41 1.10 1.58 20 Total LN&LS-90+ Days Past Due 0.00 0.07 52 0.18 0.09 77 0.00 0.12 45 0.00 0.11 70 0.03 0.08 76 -Nonaccrual 5.62 2.23 88 3.96 2.77 70 2.70 3.09 56 3.85 3.37 62 1.87 1.90 58 -Total 5.62 2.37 87 4.14 2.93 71 2.70 3.30 54 3.85 3.77 61 1.90 2.08 56

Liquidity Net Non Core Fund Dep New $250M 11.17 -1.59 83 9.15 0.90 73 11.44 3.25 72 37.73 33.37 57 57.36 41.44 80 Net Loans & Leases to Assets 68.77 61.73 67 69.39 63.16 65 63.50 65.44 41 81.59 73.35 82 70.77 78.28 18

Capitalization Tier One Leverage Capital 7.16 9.80 9 6.01 9.57 6 6.11 9.16 8 6.43 9.03 17 9.39 10.78 37 Cash Dividends to Net Income 0.00 25.49 44 0.00 20.86 51 0.00 20.86 51 0.00 0.09 92 0.00 -1.37 96 Retained Earnings to Avg Total Equity 5.62 2.96 69 -18.49 0.75 8 1.85 -2.11 45 -23.27 -17.34 32 2.33 -8.88 82 Rest+Nonac+RE Acq to Eqcap+ALLL 82.92 30.13 90 110.46 36.19 91 121.75 41.41 90 77.11 44.98 75 23.27 19.60 63

Growth Rates Total Assets -11.47 3.20 5 -19.55 1.91 1 13.94 1.13 92 -7.09 12.58 9 86.60 27.28 95 Tier One Capital 6.35 4.25 65 -16.47 3.56 8 2.57 1.95 42 -21.81 -2.44 25 12.92 -0.51 84 Net Loans & Leases -12.26 0.95 10 -12.08 -2.12 12 -11.33 -3.09 18 7.11 5.48 56 49.68 33.70 77 Short Term Investments -63.52 37.85 5 -41.05 27.84 18 1,625.37 52.07 98 -80.91 442.55 4 21.35 65.71 65 Short Term Non Core Funding -64.06 -3.64 9 -79.12 -59.10 22 53.26 -11.37 95 -71.98 1.54 1 134.03 73.26 79

Average Total Assets 218,709 242,412 260,820 247,387 188,024 Total Equity Capital 15,323 14,565 16,058 16,288 21,250 Net Income 848 -2,818 315 -4,667 446

Number of banks in Peer Group 719 736 769 139 151

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Income Statement $OCC Charter # 0 County: THREE Income Statement $--Page 2Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Year

Interest and Fees on Loans 8,191 9,745 11,576 11,409 10,638 ########## Income From Lease Financing 0 0 0 0 0 N/A Tax-Exempt 0 0 0 0 0 N/A Estimated Tax Benefit 0 0 0 0 0 N/A Income on Loans & Leases (TE) 8,191 9,745 11,576 11,409 10,638 ##########

US Treas & Agency (Excl MBS) 21 59 202 163 302 -64.41 Mortgage Backed Securities 421 557 480 899 388 -24.42 Estimated Tax Benefit 0 0 0 0 0 N/A All Other Securities 460 449 157 59 43 2.45 Tax-Exempt Securities Income 0 0 0 0 0 N/A Investment Interest Income (TE) 902 1,065 839 1,121 733 -15.31

Interest on Due From Banks 20 19 29 9 0 5.26 Int on Fed Funds Sold & Resales 0 0 0 11 41 N/A Trading Account Income 0 0 0 0 0 N/A Other Interest Income 0 0 0 0 35 N/A

Total Interest Income (TE) 9,113 10,829 12,444 12,550 11,447 -15.85

Int on Deposits in Foreign Off N/A N/A N/A N/A N/A N/A Interest on Time Dep Over $100M 398 556 614 1,553 1,033 -28.42 Interest on All Other Deposits 2,078 3,029 4,007 3,380 3,219 -31.4 Int on Fed Funds Purch & Repos 2 0 0 1 27 N/A Int Trad Liab & Oth Borrowings 388 395 401 402 566 -1.77 Int on Sub Notes & Debentures 0 0 0 0 0 N/A

Total Interest Expense 2,866 3,980 5,022 5,336 4,845 -27.99

Net Interest Income (TE) 6,247 6,849 7,422 7,214 6,602 -8.79 Non-interest Income 3,153 1,523 1,350 1,141 763 107.03 Adjusted Operating Income (TE) 9,400 8,372 8,772 8,355 7,365 12.28

Non-Interest Expense 8,042 9,103 8,025 8,120 5,945 -11.66 Provision: Loan & Lease Losses 1,345 2,258 700 5,636 974 -40.43 Pretax Operating Income (TE) 13 -2,989 47 -5,401 446 100.43

Realized G/L Hld-to-Maturity Sec 0 0 0 0 0 N/A Realized G/L Avail-for Sale Sec 835 171 268 734 0 388.3 Pretax Net Operating Inc (TE) 848 -2,818 315 -4,667 446 130.09

Applicable Income Taxes 0 0 0 0 0 N/A Current Tax Equiv Adjustment 0 0 0 0 0 N/A Other Tax Equiv Adjustments 0 0 0 0 0 N/A Applicable Income Taxes (TE) 0 0 0 0 0 N/A

Net Operating Income 848 -2,818 315 -4,667 446 130.09

Net Extraordinary Items 0 0 0 0 0 N/A Net Inc Noncontrolling Minority Interests 0 0 0 0 N/A N/A Net Income 848 -2,818 315 -4,667 446 130.09

Cash Dividends Declared 0 0 0 0 0 N/A Retained Earnings 848 -2,818 315 -4,667 446 130.09 Memo: Net International Income N/A N/A N/A N/A N/A N/A

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Non Int Inc, Exp, YieldsOCC Charter # 0 County: THREE Noninterest Income, Expenses and Yields--Page 3Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Average Assets BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Personnel Expense 2.01 1.70 77 1.30 1.67 16 1.34 1.65 24 1.58 1.51 55 1.82 1.83 47 Occupancy Expense 0.28 0.43 15 0.22 0.44 6 0.22 0.45 5 0.28 0.46 16 0.29 0.53 13 Other Oper Exp (Incl Intangibles) 1.39 1.16 74 2.23 1.19 94 1.51 1.21 76 1.43 1.25 69 1.06 1.13 50 Total Overhead Expense 3.68 3.32 70 3.76 3.33 72 3.08 3.34 39 3.28 3.25 51 3.16 3.50 38 Overhead Less Nonint Inc 2.24 2.58 31 3.13 2.66 75 2.56 2.65 47 2.82 2.95 42 2.76 3.21 32 Other Income & Expense Ratios: Efficiency Ratio 85.55 76.82 72 108.73 76.82 93 91.48 78.35 78 97.19 101.23 54 80.72 104.87 23 Avg Personnel Exp Per Empl($000) 71.90 64.70 71 71.73 62.01 78 75.87 60.54 86 81.29 79.53 56 69.71 79.98 36 Assets Per Employee ($Million) 3.40 3.97 34 5.33 3.89 87 6.34 3.81 95 5.33 5.62 53 5.62 5.08 65

Yield on or Cost of: Total Loan & Leases (TE) 5.31 5.82 18 5.58 6.02 22 5.86 6.16 30 5.63 5.92 32 6.40 6.60 40 Loans in Domestic Offices 5.31 5.80 20 5.58 6.00 22 5.86 6.14 31 5.63 5.92 32 6.40 6.60 40 Real Estate 5.36 5.76 26 5.67 5.95 32 5.73 6.10 28 6.58 5.97 83 4.69 6.68 1 Secured by 1-4 Fam Resi Prop 5.15 5.69 31 5.78 5.92 47 5.69 6.11 35 6.13 5.84 59 5.88 6.50 31 All Other Loans Sec Real Estate 5.49 5.80 32 5.61 5.97 29 5.75 6.09 31 6.81 6.01 86 3.74 6.72 1 Commercial & Industrial 6.31 6.07 65 5.70 6.29 28 6.37 6.42 53 3.58 6.04 2 6.83 6.54 66 Individual 6.58 7.54 31 5.91 7.85 16 6.17 7.90 16 6.55 6.54 50 7.62 7.02 62 Credit Card N/A 10.25 N/A N/A 9.67 N/A N/A 9.35 N/A N/A 14.64 N/A N/A 6.82 N/A Agricultural N/A 5.75 N/A N/A 6.21 N/A N/A 6.36 N/A N/A 6.66 N/A N/A 6.97 N/A Loans in Foreign Offices N/A 0.00 N/A N/A 5.96 N/A N/A 5.63 N/A N/A 0.00 N/A N/A 0.00 N/A Total Investment Securities (TE) 2.12 2.54 33 2.49 3.07 28 3.03 3.59 28 4.29 3.94 63 5.50 4.88 82 Total Investment Securities (Book) 2.12 2.27 40 2.49 2.80 34 3.03 3.31 35 4.29 3.90 64 5.50 4.84 86 US Treas & Agency (Excl MBS) 1.94 1.67 65 3.09 2.09 83 4.39 2.64 92 3.74 3.54 54 5.29 4.66 77 Mortgage Backed Securities 1.26 2.17 13 1.69 3.02 8 2.18 3.64 9 4.33 4.39 47 5.52 5.21 82 All Other Securities 5.84 3.22 96 5.71 3.60 96 15.70 3.88 99 5.90 3.54 83 7.31 3.86 91 Interest-Bearing Bank Balances 0.16 0.35 23 0.17 0.37 25 0.92 0.51 75 2.85 0.81 91 0.00 2.08 19 Federal Funds Sold & Resales 0.00 0.22 16 0.00 0.23 15 0.00 0.20 13 0.21 0.21 51 2.27 2.07 71 Total Interest Bearing Deposits 1.50 0.78 98 1.93 1.06 99 2.30 1.43 97 2.53 2.44 55 3.15 3.54 23 Transaction accounts 0.12 0.27 24 0.28 0.36 48 1.10 0.47 89 2.25 0.76 94 0.56 1.32 19 Other Savings Deposits 0.56 0.37 80 0.76 0.54 77 1.25 0.75 89 1.22 1.45 33 2.35 2.43 38 Time Deps Over $100M 2.04 1.24 93 2.51 1.55 95 2.83 1.98 93 3.13 2.84 65 3.93 4.15 32 All Other Time Deposits 2.36 1.21 97 2.62 1.56 96 2.80 2.04 92 3.01 3.00 47 3.71 4.16 16 Foreign Office Deposits N/A 0.00 N/A N/A 0.39 N/A N/A 0.50 N/A N/A 0.00 N/A N/A 0.00 N/A

Federal Funds Purchased & Repos 1.47 0.36 92 0.00 0.46 32 0.00 0.53 33 1.05 0.74 69 1.41 2.35 20 Other Borrowed Money 3.23 2.40 60 3.22 2.59 55 2.80 2.77 39 2.88 2.64 53 2.13 3.04 18 Subord Notes & Debentures N/A 5.66 N/A N/A 6.10 N/A N/A 9.98 N/A N/A 5.32 N/A N/A 2.42 N/A All Interest-Bearing Funds 1.62 0.85 98 2.01 1.14 98 2.34 1.52 97 2.55 2.44 55 2.96 3.51 17

Non-interest Income & Expenses Fiduciary Activities 0 0 0 0 0 Deposit Service Charges 161 183 191 166 85 Trading, Vent Cap, Securtz Inc 0 0 0 0 0 Inv Banking, Advisory Inc 0 0 0 0 0 Insurance Comm & Fees 0 0 0 0 0 Net Servicing Fees 0 0 0 0 0 Loan & Lse Net Gains/Loss 0 0 0 0 0 Other Net Gains/Losses -567 -272 -185 -673 -7 Other Non-interest Income 3,559 1,612 1,344 1,648 685 Non-interest Income 3,153 1,523 1,350 1,141 763 Personnel Expense 4,386 3,156 3,490 3,902 3,416 Occupancy Expense 608 545 586 691 538 Goodwill Impairment 0 0 0 0 0 Other Intangible Amortiz 0 0 0 0 0 Other Oper Exp(incl Intangibles) 3,048 5,402 3,949 3,527 1,991 Non-Interest Expense 8,042 9,103 8,025 8,120 5,945 Domestic Banking Offices(#) 3 3 3 3 3 Foreign Branches (#) 0 0 0 0 0 Assets Per Domestic Office 69,220 78,190 97,186 85,299 91,808

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Balance Sheet $OCC Charter # 0 County: THREE Balance Sheet $--Page 4Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year Assets: Real Estate Loans 119,816 133,759 148,789 168,749 151,454 -2.67 -10.42 Commercial Loans 20,091 25,779 33,024 36,304 40,273 -0.22 -22.06 Individual Loans 5,091 6,658 5,680 6,249 5,368 -30.41 -23.54 Agricultural Loans 0 0 0 0 0 N/A N/A Other LN&LS in Domestic Offices 929 1,132 1,150 1,150 0 0.11 -17.93 LN&LS in Foreign Offices N/A N/A N/A N/A N/A N/A N/A Loans Held for Sale 10,787 5,773 4,891 3,674 3,623 19.05 86.85 Loans not Held for Sale 135,140 161,555 183,753 208,778 193,472 -5.11 -16.35 LN&LS Allowance 3,122 4,563 3,509 3,657 2,167 -23.54 -31.58 Net Loans & Leases 142,805 162,765 185,135 208,795 194,928 -3.12 -12.26 U.S. Treasury & Agency Securities 39,441 30,602 48,319 16,341 36,244 -5.57 28.88 Municipal Securities 7,661 7,343 6,500 0 0 0.72 4.33 Foreign Debt Securities 0 0 0 0 0 N/A N/A All Other Securities 1,000 1,000 1,000 1,000 1,000 0.00 0.00 Interest-Bearing Bank Balances 6,025 16,079 28,020 281 507 -14.73 -62.53 Federal Funds Sold & Resales 0 439 0 1,343 8,002 -100.00 -100.00 Trading Account Assets 0 0 0 0 0 N/A N/A Total Investments 54,127 55,463 83,839 18,965 45,753 -5.78 -2.41 Total Earning Assets 196,932 218,228 268,974 227,760 240,681 -3.86 -9.76

Nonint Cash & Due From Banks 618 3,472 3,098 14,705 28,719 -82.43 -82.20 Premises, Fix Assts, Cap Leases 864 974 1,185 1,204 1,341 -4.64 -11.29 Other Real Estate Owned 7,088 9,292 14,312 7,196 1,765 -5.79 -23.72 Dir & Indir Inv RE Ventures 0 0 0 0 0 N/A N/A Inv in Unconsolidated Subs 0 0 0 0 0 N/A N/A Acceptances & Oth Assets 2,158 2,605 3,989 5,032 2,918 12.69 -17.16 Total Assets 207,660 234,571 291,558 255,897 275,424 -5.05 -11.47 Average Assets During Quarter 206,062 230,985 271,993 251,954 220,586 -6.80 -10.79

Liabilities: Demand Deposits 23,881 20,968 39,282 14,159 11,501 -14.45 13.89 All Now & ATS Accounts 28,113 28,528 25,866 49,955 43,135 13.56 -1.45 Money Market Deposit Accounts 13,274 20,493 28,477 33,980 15,517 -18.75 -35.23 Other savings Deposits 30,761 28,777 12,887 14,993 22,284 -4.21 6.89 Time Deps At Or Below Insurance Limit 80,542 105,748 151,410 84,906 64,734 -6.09 -23.84 Less: Fully Insured Brokered Deposits 13,657 21,516 41,374 49,268 46,793 0.00 -36.53 Core Deposits 162,914 182,998 216,548 148,725 110,378 -5.96 -10.98 Fully Insured Brokered Deposits 13,657 21,516 41,374 49,268 46,793 0.00 -36.53 Time Deps Above Insurance Limit 2,485 2,301 3,838 28,387 52,902 0.16 8.00 Deposits in Foreign Offices 0 0 0 0 0 N/A N/A Total Deposits 179,055 206,815 261,759 226,380 210,073 -5.45 -13.42 Federal Funds Purch & Resale 0 0 0 0 0 N/A N/A Fed Home Loan Bor Mat < 1 Year 0 0 0 0 0 N/A N/A Fed Home Loan Bor Mat > 1 Year 12,000 12,000 12,000 12,000 12,000 0.00 0.00 Oth Borrowing Mat < 1 Year 0 0 0 0 0 N/A N/A Oth Borrowing Mat > 1 Year 0 0 0 0 31,000 N/A N/A Acceptances & Other Liabilities 1,282 1,191 1,741 1,229 1,101 -18.45 7.64 Total Liabilities (Incl Mortg) 192,337 220,006 275,500 239,609 254,174 -5.23 -12.58 Subordinated Notes & Debentures 0 0 0 0 0 N/A N/A Total Bank Capital & Min Int 15,323 14,565 16,058 16,288 21,250 -2.83 5.20 Total Liabilities & Capital 207,660 234,571 291,558 255,897 275,424 -5.05 -11.47

Memoranda: Officers, Shareholder Loans (#) 2 2 2 2 1 Officers, Shareholder Loans ($) 5,009 6,205 6,840 6,831 3,971 -18.54 -19.27 Held-to-Maturity Securities 0 0 0 0 0 N/A N/A Available-for-Sale Securities 48,102 38,945 55,819 17,341 37,244 -4.51 23.51 All Brokered Deposits 13,657 21,516 41,374 49,511 46,793 0.00 -36.53

Percent Change

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Off Balance Sheet ItemsOCC Charter # 0 County: THREE Off Balance Sheet Items--Page 5Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year Outstanding (% of Total) BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Home Equity (1-4 Family) 2.75 1.32 79 3.24 1.33 85 2.97 1.35 81 3.13 1.84 75 2.88 2.08 65 Credit Card 0.00 0.08 81 0.00 0.09 79 0.00 0.10 79 0.00 0.01 88 0.00 0.01 89 Commercial RE Secured by RE 1.28 1.59 48 0.00 1.29 6 1.36 1.25 59 4.23 1.73 87 4.41 3.52 62 1-4 Family Residential 0.79 0.52 71 0.00 0.39 20 0.01 0.38 23 0.62 0.42 70 0.99 0.85 61 Comml RE, Oth Const & Land 0.48 0.97 39 0.00 0.80 12 1.35 0.78 75 3.61 1.16 90 3.42 2.44 69 Commercial RE Not Secured by RE 0.00 0.00 92 0.00 0.00 91 0.00 0.00 91 0.00 0.02 84 1.27 0.07 93 All Other 5.47 4.21 70 6.09 4.03 78 2.34 4.07 30 2.78 4.69 38 5.10 5.57 54 Total LN&LS Commitments 9.50 7.91 66 9.33 7.41 70 6.66 7.46 47 10.14 9.45 61 13.66 12.99 57 Securities Underwriting 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

Standby Letters of Credit 0.65 0.20 88 2.09 0.24 98 0.37 0.25 70 1.79 0.26 95 1.77 0.32 92 Amount Conveyed to Others N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A 0.00 0.00 90 Commercial Letters of Credit 0.00 0.01 89 0.00 0.00 89 0.00 0.01 88 0.00 0.03 84 0.00 0.01 86

Assets Securitized or Sold w/Rec 0.74 0.11 90 1.68 0.11 92 1.10 0.09 92 1.29 0.00 95 1.04 0.15 98 Amount of Recourse Exposure 0.74 0.01 96 1.68 0.01 97 1.10 0.01 98 1.29 0.06 97 1.04 0.02 99

Credit Derivatives Bank as Guarantor 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Credit Derivatives Bank as Beneficiary 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

All Oth Off-Balance Sheet Items 0.00 0.09 90 0.00 0.09 90 0.00 0.09 89 0.00 0.05 97 1.82 0.03 98

Off-Balance Sheet Items 10.88 9.23 67 13.11 8.77 81 8.14 8.86 50 13.23 10.31 71 18.28 13.72 73

Outstanding ($000) Home Equity (1-4 Family) 5,717 7,607 8,649 8,011 7,923 -7.33 -24.85 Credit Card 0 0 0 0 0 N/A N/A Commercial RE Secured by RE 2,653 0 3,959 10,834 12,149 95.94 N/A 1-4 Family Residential 1,649 0 35 1,589 2,726 57.50 N/A Commercial RE, Oth Const & Land 1,004 0 3,924 9,245 9,423 227.04 N/A Commercial RE Not Secured by RE 0 0 0 0 3,500 N/A N/A All Other 11,356 14,290 6,823 7,114 14,051 -1.88 -20.53 Securities Underwriting 0 0 0 0 0 N/A N/A Memo: Unused Commit w/mat GT 1 YR 6,736 578 2,048 8,171 317 -6.31 1,065.40

Standby Letters of Credit 1,341 4,906 1,086 4,586 4,877 0.00 -72.67 Amount Conveyed to Others N/A N/A N/A N/A 0 N/A N/A Commercial Letters of Credit 0 0 0 0 0 N/A N/A

Assets Securitized or Sold w/recourse 1,527 3,951 3,215 3,311 2,857 1.60 -61.35 Amount of Recourse Exposure 1,527 3,951 3,215 3,311 2,857 1.60 -61.35

Credit Derivatives Bank as Guarantor 0 0 0 0 0 N/A N/A Credit Derivatives Bank as Beneficiary 0 0 0 0 0 N/A N/A

All Oth Off-Balance Sheet Items 0 0 0 0 5,000 N/A N/A

Off-Balance Sheet Items 22,594 30,754 23,732 33,856 50,357 2.98 -26.53

Percent Change

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Derivative InstrumentsOCC Charter # 0 County: THREE Derivative Instruments--Page 5APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Notional Amount ($000) Derivative Contracts 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0

Derivatives Position Future and Forwards 0 0 0 0 0 Written Options 0 0 0 0 0 Exchange Traded 0 0 0 0 0 Over-the-Counter 0 0 0 0 0 Purchased Options 0 0 0 0 0 Exchange Traded 0 0 0 0 0 Over-the-Counter 0 0 0 0 0 Swaps 0 0 0 0 0

Held-for-Trading 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0 Non-Traded 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0 Memo: Marked-to-Market 0 0 0 0 0

Derivative Contracts (RBC Def) 0 0 0 0 0 One Year or Less 0 0 0 0 0 Over 1 Year to 5 Years 0 0 0 0 0 Over 5 Years 0 0 0 0 0

Gross Negative Fair Value 0 0 0 0 0 Gross Positive Fair Value 0 0 0 0 0 Held-for-Trading 0 0 0 0 0 Non-Traded 0 0 0 0 0 Memo: Marked-to-Market 0 0 0 0 0 Curr Credit Exp on RBC Derivatives Contr 0 0 0 0 0 Credit Losses Off_BS Derivatives N/A N/A N/A N/A N/A

Past Due Derivatives Instruments: Fair Value Carried as Assets N/A N/A N/A N/A N/A

Impact Nontraded Derivatives Contracts: Increase (Decr) in Interest Inc N/A N/A N/A N/A N/A Increase (Decr) in Interest Exp N/A N/A N/A N/A N/A Increase (Decr) in Nonint ALLOC N/A N/A N/A N/A N/A Increase (Decr) in Net Income N/A N/A N/A N/A N/A

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Derivative AnalysisOCC Charter # 0 County: THREE Derivative Analysis--Page 5BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Notional Amounts BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Interest Rate Contracts N/A 99.07 N/A N/A 97.60 N/A N/A 97.94 N/A N/A 99.55 N/A N/A 93.33 N/A Foreign Exchange Contracts N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 6.67 N/A Equity, Comm & Oth Contracts N/A 0.93 N/A N/A 2.40 N/A N/A 2.06 N/A N/A 0.45 N/A N/A 0.00 N/A

Derivatives Position Futures and Forwards N/A 19.63 N/A N/A 24.11 N/A N/A 25.15 N/A N/A 27.92 N/A N/A 27.06 N/A Written Options N/A 23.68 N/A N/A 24.40 N/A N/A 25.32 N/A N/A 22.79 N/A N/A 26.81 N/A Exchange Traded N/A 0.09 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Over-the-Counter N/A 23.55 N/A N/A 24.40 N/A N/A 25.32 N/A N/A 22.79 N/A N/A 26.81 N/A Purchased Options N/A 0.71 N/A N/A 0.14 N/A N/A 1.61 N/A N/A 10.00 N/A N/A 3.33 N/A Exchange Traded N/A 0.06 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Over-the-Counter N/A 0.65 N/A N/A 0.14 N/A N/A 1.61 N/A N/A 10.00 N/A N/A 3.33 N/A Swaps N/A 2.20 N/A N/A 0.93 N/A N/A 0.00 N/A N/A 39.29 N/A N/A 42.80 N/A

Held-for-Trading N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 33.33 N/A N/A 20.00 N/A Interest Rate Contracts N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 33.33 N/A N/A 20.00 N/A Foreign Exchange Contracts N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Equity, Comm & Oth Contracts N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Non-Traded N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 66.67 N/A N/A 80.00 N/A Interest Rate Contracts N/A 11.11 N/A N/A 6.79 N/A N/A 0.00 N/A N/A 66.22 N/A N/A 73.33 N/A Foreign Exchange Contracts N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 6.67 N/A Equity, Comm & Oth Contracts N/A 0.93 N/A N/A 2.40 N/A N/A 2.06 N/A N/A 0.45 N/A N/A 0.00 N/A Memo: Marked-to-Market N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 66.67 N/A N/A 80.00 N/A

Derivative Contracts (RBC Def) N/A 25.67 N/A N/A 30.84 N/A N/A 31.33 N/A N/A 76.08 N/A N/A 66.66 N/A One Year or Less N/A 15.85 N/A N/A 22.84 N/A N/A 24.07 N/A N/A 42.07 N/A N/A 30.44 N/A Over 1 Year to 5 Years N/A 1.73 N/A N/A 1.19 N/A N/A 2.41 N/A N/A 19.30 N/A N/A 19.89 N/A Over 5 Years N/A 4.20 N/A N/A 3.64 N/A N/A 2.73 N/A N/A 14.71 N/A N/A 16.33 N/A

Gross Negative Fair Value N/A 0.42 N/A N/A 0.51 N/A N/A 0.33 N/A N/A 0.66 N/A N/A 1.73 N/A Gross Positive Fair Value N/A 0.56 N/A N/A 0.57 N/A N/A 0.36 N/A N/A 0.85 N/A N/A 1.65 N/A

By Tier One Capital: Gross Negative Fair Value (x) 0.00 0.00 94 0.00 0.00 95 0.00 0.00 96 0.00 0.00 95 0.00 0.01 95 Gross Positive Fair Value (x) 0.00 0.00 93 0.00 0.00 93 0.00 0.00 94 0.00 0.00 93 0.00 0.00 94 Held-for-Trading (x) 0.00 0.01 98 0.00 0.01 98 0.00 0.01 98 0.00 0.01 95 0.00 0.02 97 Non-Traded (x) 0.00 0.01 85 0.00 0.01 88 0.00 0.01 88 0.00 0.00 92 0.00 0.01 91 Non-Traded Marked-to-Mkt(x) 0.00 0.01 85 0.00 0.01 88 0.00 0.01 88 0.00 0.00 92 0.00 0.01 91 Current Credit Exposure (x) 0.00 0.00 97 0.00 0.00 97 0.00 0.00 97 0.00 0.00 95 0.00 0.00 95 Credit Losses on Derivatives N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 1.63 N/A N/A 0.00 N/A

Past Due Derivative Instruments: Fair Value Carried as Assets N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Other Ratios: Cur Credit Exposure/Risk WT AST 0.00 0.01 97 0.00 0.00 97 0.00 0.00 97 0.00 0.01 95 0.00 0.02 95 Credit Losses on Derivatives/CR Allow N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 10.79 N/A N/A 0.00 N/A Impact Nontraded Derivatives Contracts: Incr(Dec) Interest Inc/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Interest Exp/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Nonint ALLOC/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Net Income/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Balance Sheet %OCC Charter # 0 County: THREE Balance Sheet Percentage Composition--Page 6Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Average Assets BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Loans Held For Sale 3.44 0.19 96 1.77 0.14 94 1.47 0.15 94 1.72 0.05 95 0.83 0.05 94 Loans Not Held For Sale 66.57 62.62 59 68.81 64.98 59 72.77 67.45 65 79.02 76.49 61 83.33 78.27 71 Less: LN&LS Allowance 1.78 1.22 82 1.53 1.28 70 1.32 1.24 61 1.03 1.33 31 0.99 1.08 41 Net Loans & Leases 68.23 62.02 66 69.05 64.09 62 72.92 66.61 70 79.71 75.32 71 83.18 77.38 74

Interest-Bearing Bank Balances 5.66 6.28 53 5.72 5.70 56 3.55 4.61 50 0.11 3.41 17 0.09 1.09 31 Federal Funds Sold & Resales 0.04 1.16 44 0.04 1.31 35 0.16 1.66 31 1.61 2.78 40 3.21 4.04 46 Trading Account Assets 0.00 0.02 98 0.00 0.02 98 0.00 0.03 98 0.00 0.00 96 0.00 0.00 98 Held-to-Maturity Securities 0.00 0.61 67 0.00 0.75 65 0.00 0.82 63 0.00 0.16 81 0.00 0.16 83 Available-for-Sale Securities 19.85 18.27 57 17.82 16.68 58 11.97 14.97 44 10.56 8.10 63 7.60 8.24 48

Total Earning Assets 93.78 91.18 78 92.62 91.13 65 88.59 91.06 22 91.99 92.86 37 94.07 93.42 49

Nonint Cash & Due From Banks 1.12 2.40 14 1.40 2.25 22 4.87 2.26 93 3.93 2.09 85 3.84 2.10 87 Premises, Fix Assts & Cap Leases 0.41 2.24 4 0.43 2.24 5 0.44 2.24 5 0.51 1.75 27 0.67 2.04 30 Other Real Estate Owned 3.66 1.07 90 4.32 1.14 92 4.44 1.05 94 1.92 0.86 80 0.27 0.30 62 Dir & Indir Inv RE Ventures 0.00 0.00 99 0.00 0.00 98 0.00 0.01 98 0.00 0.01 97 0.00 0.00 97 Inv in Unconsolidated Subs 0.00 0.00 92 0.00 0.00 91 0.00 0.00 90 0.00 0.00 97 0.00 0.00 96 Acceptances & Other Assets 1.02 2.61 8 1.23 2.78 10 1.67 2.91 20 1.65 1.75 55 1.15 1.60 32 Total Non-Earning Assets 6.22 8.80 21 7.38 8.87 34 11.41 8.94 77 8.01 7.06 62 5.93 6.58 50 Total Assets 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Standby Letters of Credit 1.24 0.22 96 1.07 0.25 93 1.49 0.26 96 1.78 0.26 95 2.14 0.35 95

Liabilities Demand Deposits 10.86 14.44 30 9.19 12.99 29 6.79 11.73 19 4.80 7.92 22 5.32 8.11 28 All NOW & ATS Accounts 12.12 10.48 59 10.20 9.87 55 13.11 9.27 73 12.32 4.47 90 4.84 3.89 69 Money Market Deposit Accounts 7.35 15.51 20 9.07 14.65 29 11.42 13.63 45 11.48 14.45 46 6.31 15.90 13 Other Savings Deposits 14.21 9.06 78 8.38 8.75 60 4.83 8.29 39 7.24 2.13 84 18.76 1.80 96 Time Deps At or Below Insurance Limit 41.55 28.08 88 50.39 30.89 93 48.46 30.80 93 22.99 24.52 45 20.95 25.62 36 Less: Fully Insured Brokered Deposits 7.30 1.12 92 10.93 1.54 94 16.11 1.99 96 20.14 8.02 87 14.00 9.50 68 Core Deposits 78.80 79.74 41 76.30 78.63 32 68.50 74.58 22 38.68 48.10 27 42.18 47.78 28 Fully Insured Brokered Deposits 7.30 1.12 92 10.93 1.54 94 16.11 1.99 96 20.14 8.02 87 14.00 9.50 68 Time Deps Above Insurance Limit 1.18 4.09 10 1.04 4.49 6 3.37 7.40 11 25.48 23.25 60 18.77 20.25 44 Deposits in Foreign Offices 0.00 0.00 99 0.00 0.02 99 0.00 0.02 99 0.00 0.00 99 0.00 0.00 99 Total Deposits 87.28 85.81 56 88.27 85.62 69 87.98 84.93 70 84.29 82.22 57 74.96 79.98 23

Federal Funds Purch & Repos 0.00 0.40 60 0.00 0.43 58 0.00 0.52 55 0.00 0.75 53 1.59 1.21 70 Total Fed Home Loan Borrowings 5.38 2.12 81 4.83 2.51 75 4.99 3.23 67 4.71 4.33 52 7.45 4.26 71 Total Other Borrowings 0.00 0.01 88 0.00 0.02 80 0.00 0.04 75 2.43 0.10 96 5.93 0.04 99 Memo: Sht Ter N Core Funding 1.86 5.40 18 6.18 7.72 40 13.62 16.16 39 18.31 28.50 14 35.63 27.89 77

Acceptances & Other Liabilities 0.57 0.52 63 0.76 0.51 78 0.69 0.52 73 0.68 0.46 77 0.48 0.53 48 Total Liabilities (Incl Mortg) 93.23 89.69 93 93.86 89.98 95 93.67 90.26 94 92.12 89.72 87 90.40 87.67 74

Subordinated Notes & Debentures 0.00 0.02 98 0.00 0.01 98 0.00 0.01 98 0.00 0.03 97 0.00 0.01 98 Total Bank Capital & Min Int 6.77 10.28 6 6.14 10.01 4 6.33 9.73 5 7.88 10.18 13 9.60 12.32 25 Total Liabilities & Capital 100.00 100.00 93 100.00 100.00 91 100.00 100.00 92 100.00 100.00 92 100.00 100.00 93

Memo: All Brokered Deposits 7.30 1.30 91 10.93 1.76 94 16.13 2.38 96 21.20 10.56 79 14.00 10.14 65 Insured Brokered Deposits 7.30 1.12 92 10.93 1.54 94 16.11 2.06 96 20.14 8.02 87 14.00 9.50 68

Loans HFS as a % Loans 4.91 0.29 96 2.51 0.22 94 1.98 0.22 93 2.13 0.09 94 0.99 0.06 94

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Allowance & Loan Mix-aOCC Charter # 0 County: THREE Analysis of Credit Allowance and Loan Mix--Page 7Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Analysis Ratios BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Loss Provision to Average Assets 0.62 0.29 83 0.93 0.51 79 0.27 0.78 26 2.28 1.57 70 0.52 1.00 42 Recoveries to Prior Credit Loss 15.13 15.44 61 19.25 12.06 76 7.94 11.05 54 55.19 9.58 91 1,500.00 21.83 98

Net Loss to Average Total LN&LS 1.81 0.52 93 0.69 0.82 54 0.43 0.98 37 2.05 1.52 65 0.27 0.53 49 Gross Loss to Average Total LN&LS 1.95 0.63 92 0.82 0.93 54 0.61 1.08 44 2.19 1.57 66 0.31 0.54 52 Recoveries to Average Total LN&LS 0.14 0.10 74 0.13 0.09 74 0.18 0.07 85 0.14 0.02 91 0.05 0.01 90

LN&LS Allowance to LN&LS Not HFS 2.31 1.91 72 2.82 1.99 82 1.91 1.97 55 1.75 2.07 42 1.12 1.58 20 LN&LS Allowance to Total LN&LS 2.14 1.89 66 2.73 1.97 81 1.86 1.95 53 1.72 2.06 41 1.10 1.58 20 LN&LS Allowance to Net Losses (X) 1.12 7.01 6 3.79 5.13 60 4.14 3.92 67 0.88 2.64 24 4.87 12.83 51 LN&LS Allowance to Nonaccrual LN&LS (X) 0.38 1.63 11 0.69 1.36 41 0.69 1.20 45 0.45 1.14 26 0.59 1.69 32

Earnings Coverage of Net Losses (X) 0.49 7.92 18 -0.61 5.85 5 0.88 4.80 31 0.06 0.64 46 3.19 1.23 72

Net Losses by Type of LN&LS Real Estate Loans 2.10 0.46 94 0.80 0.74 63 0.22 0.83 33 2.96 1.31 81 0.68 0.45 71 Loans to Finance Comml Real Estate N/A 0.00 N/A 0.00 0.08 91 0.00 0.01 93 0.00 0.18 89 0.00 0.01 96 Construction & Land Development 6.19 0.90 92 5.73 1.83 84 0.59 2.25 52 7.35 3.38 80 0.53 0.86 64 1-4 Family Construction -1.10 0.17 3 49.68 0.99 98 4.05 1.39 84 20.67 1.82 95 1.65 1.11 78 Other Construction & Land 7.77 0.92 93 -1.08 1.91 1 0.00 2.28 49 3.68 3.43 64 0.00 0.59 65 Secured by Farmland 0.00 0.01 91 0.00 0.01 90 0.00 0.01 90 0.00 0.00 94 0.00 0.40 96 Single & Multifamily Mortgage 0.68 0.44 73 0.19 0.64 37 0.38 0.65 53 0.70 0.93 58 0.60 0.32 77 Home Equity Loans 0.65 0.29 80 0.24 0.42 66 0.80 0.38 78 1.07 0.70 70 1.12 0.06 92 1-4 Family Non-Revolving 0.80 0.46 76 0.17 0.65 40 0.11 0.66 34 0.42 0.99 60 0.00 0.26 64 Multifamily Loans 0.00 0.04 89 0.00 0.09 87 0.00 0.15 85 0.00 0.16 86 0.00 0.08 89 Non-Farm Non-Residential Mtg 2.14 0.32 95 0.04 0.47 41 0.00 0.42 42 0.71 0.39 73 0.00 0.06 78 Owner Occupied Nonfarm Nonresidential 3.56 0.23 97 0.07 0.34 57 0.00 0.31 56 0.00 0.22 73 0.00 0.02 88 Other Nonfarm Nonresidential 0.00 0.30 62 0.00 0.51 57 0.00 0.39 61 1.51 0.39 86 0.00 0.06 83 RE Loans in Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Agricultural Loans N/A 0.00 N/A N/A -0.01 N/A N/A 0.04 N/A N/A 0.00 N/A N/A 0.00 N/A Commercial and Industrial Loans 1.15 0.66 76 0.38 0.98 49 1.49 1.45 64 0.11 1.66 31 0.00 0.45 55 Lease Financing N/A -0.44 N/A N/A 0.08 N/A N/A 1.02 N/A N/A 5.97 N/A N/A 0.00 N/A Loans to Individuals 0.00 0.54 35 0.00 0.81 27 0.07 0.89 26 0.97 0.95 72 0.00 0.34 61 Credit Card Plans N/A 1.54 N/A N/A 1.73 N/A N/A 2.11 N/A N/A 6.60 N/A N/A 0.38 N/A

All Other Loans & Leases 0.14 0.12 83 0.14 0.10 83 0.00 0.19 75 0.00 0.16 86 0.00 0.01 91 Loans to Foreign Governments N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Change: Credit Allowance ($000) Beginning Balance 4,563 3,509 3,657 2,167 1,638 Gross Credit Losses 3,003 1,434 1,200 4,433 520 Memo: Loans HFS Write-down 0 0 0 0 0 Recoveries 217 231 352 287 75 Net Credit Losses 2,786 1,203 848 4,146 445

Provision: Loan & Lease Losses 1,345 2,258 700 5,636 974 Other Adjustments 0 0 0 0 0 LN&LS Allowance 3,122 4,563 3,509 3,657 2,167

Average Total Loans & Leases 154,309 174,621 197,601 202,698 166,282

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Allowance & Loan Mix-bOCC Charter # 0 County: THREE Analysis of Credit Allowance and Loan Mix--Page 7APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Loan Mix, % Average Gross LN&LS BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Construction & Development 9.76 7.25 69 9.65 7.97 64 13.26 9.48 73 21.43 15.25 72 30.69 20.02 79 1-4 Family Construction 1.75 1.68 57 1.29 1.78 45 1.94 2.34 51 4.63 3.72 66 9.76 5.70 73 Other Const & Land Development 8.02 5.23 73 8.35 5.82 72 11.32 6.82 78 16.80 10.57 79 22.55 13.28 81 1-4 Family Residential 30.19 27.56 61 26.02 27.11 49 23.64 26.90 43 21.66 20.16 56 17.41 17.26 56 Home Equity Loans 13.89 3.14 98 12.24 3.21 96 10.55 3.29 92 10.05 5.26 81 9.36 4.73 81 Other Real Estate Loans 41.37 42.50 48 43.77 41.60 59 42.61 39.56 61 34.40 41.69 27 29.06 37.28 29 Farmland 1.49 3.17 49 1.63 3.01 53 1.48 2.79 52 0.87 0.91 61 0.16 0.81 51 Multifamily 2.11 2.63 50 2.40 2.43 57 2.08 2.26 53 0.64 2.72 24 0.07 2.21 14 Non-Farm Non-Residential 37.77 34.67 60 39.74 34.30 65 39.04 32.79 67 32.90 36.32 40 28.83 32.53 37 Owner Occupied Non-Farm Non-Residential 22.70 18.66 68 24.63 18.76 73 23.16 18.16 71 17.50 16.40 52 6.00 13.76 17 Other Non-Farm Non-Residential 15.07 15.32 52 15.11 14.91 55 15.88 14.02 59 15.39 18.88 35 24.39 18.14 75 Total Real Estate 81.33 79.85 51 79.44 79.18 47 79.50 78.59 48 77.49 80.08 36 77.15 77.95 40

Financial Institution Loans 0.00 0.00 94 0.00 0.04 95 0.00 0.00 94 0.00 0.00 91 0.00 0.00 93 Agricultural Loans 0.00 1.60 37 0.00 1.52 37 0.00 1.40 39 0.00 0.14 72 0.00 0.22 71 Commercial & Industrial Loans 13.92 12.34 62 16.32 12.72 68 16.92 13.01 70 19.53 16.36 70 20.20 18.09 65 Loans to Individuals 4.10 3.18 68 3.45 3.53 58 3.00 3.86 51 2.72 1.81 70 2.65 1.87 73 Credit Card Loans 0.00 0.03 80 0.00 0.04 79 0.00 0.04 78 0.00 0.00 91 0.00 0.00 90 Municipal Loans 0.00 0.29 56 0.00 0.31 56 0.00 0.32 55 0.00 0.00 91 0.00 0.00 93 Foreign Office Loans & Leases 0.00 0.00 99 0.00 0.01 99 0.00 0.01 99 0.00 0.00 99 0.00 0.00 99 All Other Loans 0.65 0.17 86 0.79 0.18 88 0.57 0.17 86 0.27 0.26 74 0.00 0.27 28 Lease Financing Receivables 0.00 0.05 82 0.00 0.04 83 0.00 0.04 83 0.00 0.00 93 0.00 0.09 95

Supplemental: Loans to Foreign Governments 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Loans to Finance Comml Real Est 0.00 0.07 77 0.13 0.09 82 0.04 0.08 79 3.83 0.75 88 19.86 0.96 97

Memorandum (% of Avg Tot Loans): Loans & Lease Commitments 13.50 13.05 57 12.97 11.84 61 10.37 11.40 47 12.50 13.04 56 20.57 17.10 68 Officer, Shareholder Loans 3.43 2.00 76 3.68 1.87 79 3.65 1.94 78 3.29 3.19 50 2.17 3.67 30 Officer, Shareholder Loans to Assets 2.41 1.24 79 2.65 1.20 83 2.35 1.28 77 2.67 2.32 55 1.44 2.84 27

Other Real Estate Owned % Assets Construction & Land Development 3.13 0.42 95 4.06 0.44 96 3.87 0.40 97 1.70 0.41 89 0.27 0.12 78 Farmland 0.00 0.00 86 0.00 0.00 87 0.00 0.00 89 0.00 0.01 96 0.00 0.00 99 1-4 Family 0.09 0.15 52 0.25 0.19 69 0.54 0.19 85 0.11 0.15 63 0.00 0.06 63 Multifamily 0.00 0.01 85 0.00 0.01 84 0.00 0.01 81 0.00 0.01 87 0.00 0.00 94 Non-Farm Non-Residential 0.45 0.30 71 0.00 0.30 26 0.03 0.24 35 0.10 0.12 67 0.00 0.02 84 Foreclosed GNMA 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 98 Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Subtotal 3.66 1.07 90 4.32 1.14 92 4.44 1.05 94 1.92 0.86 80 0.27 0.30 62 Direct and Indirect Inv 0.00 0.00 99 0.00 0.00 98 0.00 0.01 98 0.00 0.01 97 0.00 0.00 97 Total 3.66 1.07 90 4.32 1.15 92 4.44 1.05 94 1.92 0.87 80 0.27 0.31 62

Asset Servicing % Assets Mortgage Servicing w/ Recourse 0.00 0.00 93 0.00 0.01 93 0.00 0.01 93 0.00 0.00 99 0.00 0.01 98 Mortgage Servicing w/o Recourse 0.00 1.72 84 0.00 1.30 84 0.00 1.04 85 0.00 0.10 95 0.00 0.92 97 Other Financial Assets 0.00 0.06 92 0.00 0.06 92 0.00 0.05 92 0.00 0.45 87 0.00 0.51 89 Total 0.00 3.54 75 0.00 2.88 76 0.00 2.62 76 0.00 0.54 85 0.00 0.73 88

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Concentrations of CreditOCC Charter # 0 County: THREE Analysis of Concentrations of Credit--Page 7BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Loan & Leases as a % of Total Capital BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Construction & Development 74.40 43.44 82 107.17 47.53 90 86.81 59.47 74 197.13 102.11 84 242.27 130.89 80 1-4 Family Construction 13.26 10.45 65 16.67 10.62 72 5.21 13.20 31 45.37 20.74 80 59.32 35.01 74 Other Const & Land Development 61.15 29.23 84 90.50 32.98 91 81.60 41.34 82 151.76 75.45 82 182.95 83.91 86 1-4 Family Residential 284.66 171.58 84 295.07 176.81 83 240.51 187.76 70 257.28 162.03 80 155.82 134.99 65 Home Equity Loans 127.11 19.20 98 138.37 21.31 97 110.54 24.03 96 112.19 41.06 93 81.24 36.21 89 Other Real Estate Loans 361.60 262.96 79 431.15 270.26 87 450.34 278.61 87 436.70 338.30 73 263.83 275.11 50 Farmland 8.97 18.83 50 17.70 18.20 62 15.39 18.45 61 15.79 7.33 75 3.41 5.56 56 Multifamily 20.07 16.85 63 20.67 16.59 64 22.89 16.84 67 21.71 23.29 58 0.50 16.87 19 Non-Farm Non-Residential 332.56 214.23 82 392.77 222.58 88 412.06 231.36 88 399.19 296.00 75 259.92 241.80 58 Owner Occupied Non-Farm Non-Residential 204.67 116.07 86 239.86 123.15 89 252.01 129.55 88 235.69 126.97 82 58.94 99.91 26 Other Non-Farm Non-Residential 127.89 95.33 70 152.91 97.23 78 160.05 100.22 80 163.51 151.71 51 200.98 121.66 76 Total Real Estate 720.65 484.50 90 833.39 500.46 93 777.66 531.25 89 891.11 627.68 86 661.92 565.31 69

Financial Institution Loans 0.00 0.28 96 0.00 0.40 95 0.00 0.26 95 0.00 0.00 94 0.00 0.01 94 Agricultural Loans 0.00 9.28 41 0.00 9.08 41 0.00 8.93 42 0.00 0.59 78 0.00 1.26 74 Commercial & Industrial Loans 120.84 77.45 78 160.62 82.72 87 172.60 90.92 86 191.71 118.73 80 176.01 123.23 75 Loans to Individuals 30.62 18.04 78 41.48 20.76 84 29.69 24.47 67 33.00 13.37 87 23.46 12.53 78 Credit Card Loans 0.00 0.20 81 0.00 0.22 80 0.00 0.23 80 0.00 0.00 93 0.00 0.00 92 Municipal Loans 0.00 1.58 59 0.00 1.72 59 0.00 1.99 58 0.00 0.00 94 0.00 0.00 94 Foreign Office Loans & Leases 0.00 0.00 99 0.00 0.04 99 0.00 0.04 99 0.00 0.00 99 0.00 0.00 99 All Other Loans 5.59 1.00 89 7.05 1.03 91 6.01 1.20 88 6.07 1.84 83 0.00 1.64 38 Lease Financing Receivables 0.00 0.30 84 0.00 0.23 85 0.00 0.26 84 0.00 1.05 95 0.00 0.80 95

Supplemental: Loans to Foreign Governments 0.00 0.02 99 0.00 0.02 99 0.00 0.02 99 0.00 0.00 99 0.00 0.00 99 Loans to Finance Commercial Real Estate 0.00 0.33 81 0.00 0.55 79 2.03 0.49 87 0.00 3.41 65 172.30 5.47 97

Commercial Real Estate Loans as a % of Total Capital: Non-owner OCC Commercial Real Estate 222.36 164.59 74 280.75 170.63 86 271.78 185.58 80 382.34 299.46 73 616.05 302.10 95 Total Commercial Real Estate 427.03 284.19 83 520.62 296.15 89 523.80 317.69 86 618.03 446.77 79 674.98 419.84 90

Commercial Real Estate Loans as a % of Total LN&LS: Construction & Development 8.48 7.13 64 10.28 7.40 71 8.80 8.64 54 17.57 12.96 68 28.13 17.68 81 Non-owner OCC Commercial Real Estate 25.33 26.87 46 26.93 26.65 52 27.57 27.03 54 34.08 38.61 40 71.52 41.93 94 Total Commercial Real Estate 48.65 46.50 53 49.94 46.51 54 53.13 46.58 63 55.09 57.43 43 78.36 58.79 89

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL PD, Nonacc & Rest Loans-aOCC Charter # 0 County: THREE Analysis of Past Due, Nonaccrual & Restructured--Page 8Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 % of Non-Current LN&LS by Loan Type BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Real Estate LNS-90+ Days P/D 0.00 0.07 66 0.22 0.08 81 0.00 0.12 60 0.00 0.07 78 0.04 0.06 82 -Nonaccrual 6.82 2.30 89 4.93 2.90 74 3.28 3.23 59 4.82 3.70 67 2.34 2.20 58 -Total 6.82 2.44 89 5.15 3.24 75 3.28 3.63 57 4.82 3.88 65 2.38 2.39 56 -30-89 DAYS P/D 1.16 0.95 64 2.05 1.06 78 0.09 1.31 12 0.30 1.39 35 2.52 0.95 83

LNS Fin Coml RE-90+ Days P/D N/A 0.02 N/A N/A 0.06 N/A 0.00 0.49 96 N/A 0.00 N/A 0.00 0.00 98 -Nonaccrual N/A 1.67 N/A N/A 0.00 N/A 0.00 1.01 95 N/A 0.09 N/A 0.00 0.08 92 -Total N/A 1.69 N/A N/A 0.00 N/A 0.00 0.00 94 N/A 0.09 N/A 0.00 0.08 92 -30-89 DAYS P/D N/A 0.19 N/A N/A 0.56 N/A 0.00 0.60 95 N/A 0.06 N/A 0.00 0.00 92

Const & Land Dev-90+ Days P/D 0.00 0.00 93 0.00 0.00 93 0.00 0.01 90 0.00 0.02 91 0.11 0.00 94 -Nonaccrual 27.15 4.72 92 24.67 6.82 87 12.95 8.39 71 20.76 11.18 73 6.41 5.53 60 -Total 27.15 4.88 92 24.67 7.05 87 12.95 8.60 70 20.76 11.30 73 6.52 5.64 60 -30-89 DAYS P/D 0.00 0.50 67 2.20 0.60 85 0.54 0.88 68 0.00 1.44 66 6.89 0.71 94

1-4 Fam Cons & L Dev-90+ Days P/D 0.00 0.07 97 0.00 0.28 98 0.00 0.19 95 0.00 0.14 96 0.45 0.15 96 -Nonaccrual 0.00 1.25 82 0.00 3.47 72 17.77 4.89 85 52.51 8.89 91 26.16 5.90 87 -Total 0.00 1.33 80 0.00 3.70 71 17.77 5.03 84 52.51 9.04 91 26.61 6.05 87 -30-89 DAYS P/D 0.00 0.15 88 0.00 0.22 86 0.00 0.40 84 0.00 0.49 85 28.13 0.67 97

Other Const & Land Dev-90+ Days P/D 0.00 0.19 95 0.00 0.00 93 0.00 0.00 92 0.00 0.00 94 0.00 0.00 94 -Nonaccrual 33.04 5.25 93 29.22 7.08 88 12.64 9.18 67 11.27 10.85 65 0.00 4.72 53 -Total 33.04 5.44 93 29.22 7.29 88 12.64 9.39 67 11.27 10.94 65 0.00 4.96 51 -30-89 DAYS P/D 0.00 0.42 72 2.61 0.56 87 0.58 0.75 73 0.00 1.16 73 0.00 0.44 76

Single & Multi Mtg-90+ Days P/D 0.00 0.07 73 0.59 0.08 90 0.00 0.12 68 0.00 0.03 90 0.00 0.01 88 -Nonaccrual 0.91 1.80 45 0.52 1.96 31 0.32 2.18 25 0.72 2.06 43 0.00 0.74 57 -Total 0.91 1.95 40 1.11 2.14 40 0.32 2.40 20 0.72 2.37 40 0.00 0.82 55 -30-89 DAYS P/D 2.52 1.12 80 1.33 1.25 60 0.10 1.38 18 0.00 1.29 41 0.00 0.67 55

Non-Farm Non-Res Mtg-90+ Days P/D 0.00 0.02 88 0.00 0.03 86 0.00 0.05 85 0.00 0.01 90 0.00 0.00 94 -Nonaccrual 7.88 2.03 90 3.31 2.54 66 3.26 2.42 66 0.00 1.77 52 0.00 0.61 67 -Total 7.88 2.17 90 3.31 2.73 65 3.26 2.62 64 0.00 1.87 50 0.00 0.83 63 -30-89 DAYS P/D 0.20 0.66 52 2.68 0.81 86 0.00 1.00 35 0.66 0.94 67 0.00 0.62 62

Own Occ Non-Farm Non-Res-90+ Days P/D 0.00 0.01 91 0.00 0.01 91 0.00 0.03 89 0.00 0.00 94 0.00 0.22 96 -Nonaccrual 9.63 1.78 93 5.42 2.13 82 4.30 2.20 75 0.00 1.39 68 0.00 0.54 79 -Total 9.63 1.89 92 5.42 2.28 81 4.30 2.36 73 0.00 1.47 68 0.00 0.69 77 -30-89 DAYS P/D 0.33 0.63 63 4.38 0.73 92 0.00 0.96 47 0.00 0.71 71 0.00 0.39 80

Other Non-Farm Non-Res-90+ Days P/D 0.00 0.00 94 0.00 0.00 92 0.00 0.01 92 0.00 0.00 94 0.00 0.16 97 -Nonaccrual 5.07 1.89 80 0.00 2.54 47 1.63 2.21 63 0.00 1.75 62 0.00 0.45 76 -Total 5.07 2.05 79 0.00 2.73 44 1.63 2.40 61 0.00 1.88 61 0.00 0.60 74 -30-89 DAYS P/D 0.00 0.41 70 0.00 0.55 66 0.00 0.72 62 1.61 0.95 77 0.00 0.43 73

Non-Current LN&LS ($000) 90 Days and Over Past Due 0 300 0 0 61 Total Nonaccrual LN&LS 8,206 6,625 5,095 8,183 3,685 Total Non-Current LN&LS 8,206 6,925 5,095 8,183 3,746 LN&LS 30-89 Days Past Due 2,529 3,287 2,457 908 3,818

Gtyd LN&LS 90+ Days P/D 0 0 0 0 0 Gtyd LN&LS on Nonaccrual 0 0 0 0 0 Gtyd LN&LS 30-89 Days P/D 0 0 0 0 0

Restructured LN&LS 90+ Days P/D 0 0 0 0 0 Restructured LN&LS Nonaccrual 5,938 4,459 2,074 0 0 Restructured LN&LS 30-89 Days P/D 0 0 0 0 0

Current 1-4 Family Restru LN&LS 0 300 0 0 0 Current Other Restructured LN&LS 0 4,911 4,415 0 0 Loans Secured 1-4 RE in Foreclosure 0 0 0 0 0 Other Real Estate Owned 7,088 9,292 14,312 7,196 1,765

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL PD, Nonacc & Rest Loans-bOCC Charter # 0 County: THREE Analysis of Past Due, Nonaccrual & Restructured--Page 8APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 % of Non-Current LN&LS by Loan Type BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Coml & Indust LNS-90+ Days P/D 0.00 0.02 86 0.00 0.04 82 0.00 0.06 79 0.00 0.01 89 0.00 0.01 89 -Nonaccrual 0.15 1.25 43 0.13 1.41 39 0.63 1.77 49 0.14 1.33 44 0.32 0.48 67 -Total 0.15 1.39 41 0.13 1.58 35 0.63 1.97 45 0.14 1.46 42 0.32 0.62 64 -30-89 DAYS P/D 0.16 0.59 44 2.13 0.74 82 5.84 0.92 94 1.12 1.20 71 0.00 0.99 49

Loans to Individuals-90+ Days P/D 0.00 0.03 79 0.00 0.05 74 0.00 0.06 71 0.00 0.00 93 0.00 0.00 90 -Nonaccrual 0.00 0.25 54 0.00 0.33 49 0.00 0.34 51 0.00 0.15 81 0.07 0.01 87 -Total 0.00 0.34 47 0.00 0.46 41 0.00 0.50 42 0.00 0.21 78 0.07 0.03 84 -30-89 DAYS P/D 21.72 0.89 99 0.00 1.02 26 6.81 1.14 96 0.00 0.59 57 0.00 0.28 61

Credit Card Plans-90+ Days P/D N/A 0.13 N/A N/A 0.18 N/A N/A 0.24 N/A N/A 0.18 N/A N/A 0.14 N/A -Nonaccrual N/A 0.15 N/A N/A 0.18 N/A N/A 0.06 N/A N/A 0.00 N/A N/A 0.00 N/A -Total N/A 0.17 N/A N/A 0.23 N/A N/A 0.28 N/A N/A 0.18 N/A N/A 0.14 N/A -30-89 DAYS P/D N/A 0.58 N/A N/A 0.68 N/A N/A 1.00 N/A N/A 0.42 N/A N/A 0.26 N/A

Lease Financing-90+ Days P/D N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.14 N/A N/A 0.09 N/A -Nonaccrual N/A 0.06 N/A N/A 0.01 N/A N/A 0.06 N/A N/A 2.11 N/A N/A 0.49 N/A -Total N/A 0.06 N/A N/A 0.01 N/A N/A 0.11 N/A N/A 2.25 N/A N/A 0.58 N/A -30-89 DAYS P/D N/A 0.05 N/A N/A 0.12 N/A N/A 0.41 N/A N/A 1.49 N/A N/A 0.31 N/A

Agricultural LNS-90+ Days P/D N/A 0.01 N/A N/A 0.00 N/A N/A 0.02 N/A N/A 0.00 N/A N/A 0.00 N/A -Nonaccrual N/A 0.03 N/A N/A 0.12 N/A N/A 0.15 N/A N/A 0.00 N/A N/A 0.00 N/A -Total N/A 0.03 N/A N/A 0.13 N/A N/A 0.25 N/A N/A 0.00 N/A N/A 0.00 N/A -30-89 DAYS P/D N/A 0.03 N/A N/A 0.06 N/A N/A 0.09 N/A N/A 0.00 N/A N/A 0.00 N/A

Other LN&LS-90+ Days P/D 0.00 0.13 95 0.00 0.10 95 0.00 0.00 94 0.00 0.04 97 N/A 0.00 N/A -Nonaccrual 0.00 0.03 89 0.00 0.04 88 0.00 0.07 87 0.00 1.08 96 N/A 0.39 N/A -Total 0.00 0.04 85 0.00 0.07 85 0.00 0.10 83 0.00 0.00 94 N/A 0.39 N/A -30-89 DAYS P/D 0.00 0.09 75 0.00 0.10 76 0.00 0.10 76 0.00 0.01 90 N/A 0.04 N/A

Total LN&LS-90+ Days Past Due 0.00 0.07 52 0.18 0.09 77 0.00 0.12 45 0.00 0.11 70 0.03 0.08 76 -Nonaccrual 5.62 2.23 88 3.96 2.77 70 2.70 3.09 56 3.85 3.37 62 1.87 1.90 58 -Total 5.62 2.37 87 4.14 2.93 71 2.70 3.30 54 3.85 3.77 61 1.90 2.08 56 -30-89 DAYS P/D 1.73 0.98 77 1.96 1.10 79 1.30 1.36 56 0.43 1.47 36 1.94 1.06 77

Other Pertinent Ratios: Non-Cur LN&LS to-LN&LS Allowance 262.84 120.01 88 151.76 140.82 58 145.20 156.37 52 223.76 168.14 69 172.87 120.98 69 -Equity Capital 53.55 15.16 92 47.55 20.27 85 31.73 25.89 72 50.24 32.90 70 17.63 16.31 61 % Total P/D LN&LS-Incl Nonaccrual 7.36 3.46 87 6.10 4.15 74 4.00 4.80 50 4.28 5.54 54 3.84 3.24 65 Non Curr LNS+OREO to LNS+OREO 10.00 3.98 87 9.18 4.79 82 9.56 5.17 81 7.00 5.68 64 2.77 2.86 57 Non-Curr Restruct Debt/Gr LN&LS 4.07 0.63 94 2.66 0.57 89 1.10 0.42 79 0.00 0.22 75 0.00 0.00 93 Curr+Non-Curr Restruct/GR LN&LS 4.07 1.98 80 5.78 1.91 87 3.44 1.57 78 0.00 0.90 45 0.00 0.09 80 Current Restruct LN&LS 0.00 1.18 24 3.11 1.13 85 2.34 0.97 80 0.00 0.59 56 0.00 0.06 83 Loans Sec 1-4 Fam RE in Forclosure as % Tota 0.00 0.29 62 0.00 0.33 61 0.00 0.41 58 0.00 0.35 73 0.00 0.07 87 Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D N/A 1.93 N/A 0.00 0.02 94 N/A 0.00 N/A N/A 2.56 N/A 0.00 1.80 95 Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS 0.00 0.46 85 0.00 0.52 84 0.00 0.56 82 0.00 0.14 91 0.00 0.02 93 Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D 0.00 0.00 94 0.00 0.06 92 0.00 0.06 92 0.00 0.02 94 0.00 0.02 93

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Interest Rate RiskOCC Charter # 0 County: THREE Interest Rate Risk Analysis as a Percent of Assets--Page 9Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Long Assets Insts w/Options BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Mortgage Loans & Pass Thrus 30.11 18.89 83 21.28 18.51 62 21.37 17.76 66 16.03 13.17 62 15.92 12.66 64 Loans & Securities Over 15 Years 14.64 3.16 93 8.32 2.78 86 5.73 2.57 80 8.32 2.02 89 10.55 2.36 91 Loans & Securities 5-15 Years 6.28 4.44 70 7.38 4.62 75 11.23 3.67 90 1.18 1.60 55 1.84 1.57 61

Other Loans and Securities 59.37 59.76 47 62.40 60.43 58 59.38 61.57 41 70.58 67.11 62 67.83 73.15 28 Loans & Securities Over 15 Years 4.84 2.91 73 3.89 2.44 72 4.42 2.07 80 0.03 1.09 36 0.37 0.76 62 Loans & Securities 5-15 Years 6.33 11.65 24 8.50 10.55 42 6.73 9.61 38 10.28 8.17 64 14.43 7.42 79 Total Loans & Securities Over 15 Years 19.49 6.88 89 12.22 5.93 81 10.15 5.04 79 8.35 3.51 82 10.92 3.39 86

CMO'S Total 0.00 1.69 42 1.44 1.82 62 1.34 1.68 63 0.00 0.57 67 0.00 0.46 75 Avg Life Over 3 Years 0.00 0.55 59 1.44 0.62 80 1.34 0.71 76 0.00 0.13 80 0.00 0.08 83

Structured Notes 1.44 0.44 84 0.43 0.80 64 0.34 0.84 60 0.39 0.49 63 0.00 0.02 89 Mortgage Servicing (FV) 0.00 0.01 87 0.00 0.01 88 0.00 0.00 90 0.00 0.03 95 0.00 0.01 96 Total 1.44 0.49 84 0.43 0.83 62 0.34 0.87 58 0.39 0.53 62 0.00 0.03 87

Overall Risk Indicators Available for Sale 23.16 18.26 65 16.60 16.48 52 19.15 14.92 65 6.78 8.62 45 13.52 7.87 76 Held to Maturity 0.00 0.52 71 0.00 0.70 68 0.00 0.77 67 0.00 0.11 85 0.00 0.18 85 Off Balance Sheet 10.88 9.23 67 13.11 8.77 81 8.14 8.86 50 13.23 10.31 71 18.28 13.72 73

Unrealized Appreciation/Depreciation 0.00 0.01 78 0.00 0.01 76 0.00 0.00 80 0.00 0.00 90 0.00 0.00 88 Unrealized App/Dep % Tier One Cap 0.00 0.10 78 0.00 0.15 76 0.00 0.04 80 0.00 0.00 90 0.00 0.01 88

Contractual Mat/Reprice Data Loans/Securities Over 3 Year 43.66 40.16 59 41.42 36.46 62 45.66 34.33 76 47.56 29.24 88 49.82 30.71 87 Liabilities Over 3 Year 12.74 3.09 97 18.80 3.18 99 18.39 2.84 98 15.03 1.89 97 5.11 1.72 85 Net Over 3 Year Position 30.92 36.55 35 22.62 32.70 25 27.26 30.79 41 32.53 26.45 65 44.70 28.40 83

Loans/Securities Over 1 Year 57.62 58.12 46 60.23 57.35 56 64.93 55.78 74 64.12 49.73 85 59.56 48.10 80 Liabilities Over 1 Year 33.70 11.61 98 34.38 11.77 98 26.84 12.34 93 31.77 12.77 95 7.92 9.23 48 Net Over 1 Year Position 23.92 45.99 7 25.85 45.09 10 38.09 42.92 36 32.35 35.85 37 51.64 37.85 79

Non-Maturity Deposits 46.24 54.60 23 42.10 51.07 23 36.53 47.62 19 44.19 34.21 75 33.56 29.62 65 Non-Maturity Deps % Long Assets 105.93 149.87 25 101.65 158.93 23 80.02 157.54 12 92.93 137.12 34 67.37 109.95 25 Net Over 3 Year Position -2.59 -14.43 74 -0.68 -14.53 76 9.12 -13.12 87 3.36 -5.49 67 16.26 0.88 81

As % Tier 1 Capital Structured Notes 20.26 4.54 87 7.21 8.65 69 6.02 9.31 63 6.17 5.79 67 0.00 0.20 89 Mortgage Servicing (FV) 0.00 0.09 87 0.00 0.06 88 0.00 0.05 90 0.00 0.36 95 0.00 0.30 96 Total 20.26 5.05 87 7.21 9.01 68 6.02 9.64 62 6.17 6.17 66 0.00 0.27 87

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Liquidity & FundingOCC Charter # 0 County: THREE Liquidity & Funding--Page 10Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Total Deposits BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Individ, Partnerships, and Corp. 89.04 91.79 32 89.40 91.64 35 89.71 91.54 37 80.58 91.03 17 88.71 91.51 31 U.S. Govt, States & Political Sub in U.S. 6.67 5.98 57 1.42 6.08 23 2.70 6.03 34 12.25 2.55 95 8.67 2.77 87 Comml Banks & Other Dep Inst. in U.S. 4.29 0.95 86 9.18 0.97 92 7.59 1.09 90 7.17 4.19 77 2.63 3.39 64 Banks in Foreign Countries 0.00 0.00 99 0.00 0.02 99 0.00 0.01 99 0.00 0.00 99 0.00 0.00 99 Foreign Govts and Official Inst. 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 98 0.00 0.00 98 Total deposits 100.00 100.00 97 100.00 100.00 98 100.00 100.00 98 100.00 100.00 99 100.00 100.00 99

Domestic Demand Deposits 13.34 17.84 29 10.14 16.24 21 15.01 14.37 57 6.25 9.94 27 5.47 10.18 21 Domestic Other Transaction Accts 15.70 12.63 65 13.79 11.90 62 9.88 11.23 47 22.07 5.95 96 20.53 5.21 94 Domestic Nontransaction Accts 70.96 68.40 59 76.07 71.02 65 75.11 73.61 57 71.68 82.82 15 73.99 83.90 16 Total Domestic Deposits 100.00 100.00 99 100.00 99.97 99 100.00 99.97 99 100.00 100.00 99 100.00 100.00 99 Deposits in Foreign Offices 0.00 0.00 99 0.00 0.03 99 0.00 0.03 99 0.00 0.00 99 0.00 0.00 99 Total Deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Liquidity/Funding Ratios Net Non Core Fund Dep $250M 11.17 -1.59 83 9.15 0.90 73 11.44 3.25 72 37.73 33.37 57 57.36 41.44 80 Net Non Core Fund Dep $100M 20.99 10.91 73 19.61 13.76 64 21.29 16.67 62 37.73 32.15 60 55.16 38.88 86 Core Deposits 78.45 80.29 35 78.01 79.34 37 74.27 78.29 27 58.12 51.40 65 40.08 45.56 31 Short Term Non Core Funding 1.41 5.12 14 3.46 5.77 34 13.34 14.75 46 9.92 25.59 5 32.88 30.88 64 S.T Inv to S.T. Ncore Fund 206.48 346.86 53 203.45 253.99 59 72.04 68.82 61 6.40 38.45 13 9.39 18.77 39 S.T. Asset to S.T. Liabilities 177.27 130.01 76 187.54 111.03 86 86.60 100.86 45 132.17 87.03 84 65.80 77.11 44 Net S.T. Liabilities to Assets -9.32 -3.56 34 -14.70 -0.37 15 4.09 1.87 56 -5.53 7.08 26 13.39 11.91 50 Net Loans & Leases to Deposits 79.75 72.08 67 78.70 73.93 62 70.73 76.71 32 92.23 86.91 68 92.79 97.11 36 Net LN&LS to Core Deposits 87.66 77.49 70 88.94 80.25 69 85.49 84.47 54 140.39 147.37 49 176.60 181.91 59 Brkr Dep Mat < 1 Yr to Brkr Deps 19.45 50.57 17 36.53 52.61 21 53.49 54.59 30 16.52 67.05 7 100.00 78.80 99 Brokered Deposits to Deposits 7.63 1.35 91 10.40 1.74 92 15.81 2.30 94 21.87 10.11 81 22.27 15.27 68 Listing Service Dep to Deposits 4.29 0.88 86 9.06 0.85 92 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A List Service and Brkrd Dep to Deps 11.92 2.69 89 19.47 3.07 93 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Sec Bor + sec FFP to Tot Bor + FFP 0.00 0.44 90 0.00 0.09 91 0.00 2.40 83 0.00 0.30 90 72.09 2.32 95 Recip Brkrd Dep to Tot Brkrd Dep 0.00 13.60 55 0.00 11.30 57 0.00 11.66 54 2.00 19.97 54 N/A 0.00 N/A

Total Deposits Individ, Partnerships, and Corp. 159,433 184,892 234,825 182,416 186,349 U.S. Govt, States & Political Sub in U.S. 11,940 2,930 7,071 27,726 18,205 Comml Banks & Other Dep Inst. in U.S. 7,682 18,993 19,863 16,238 5,519 Banks in Foreign Countries 0 0 0 0 0 Foreign Govts and Official Inst. 0 0 0 0 0 Total Deposits 179,055 206,815 261,759 226,380 210,073

Domestic Demand Deposits 23,881 20,968 39,282 14,159 11,501 Domestic Other Transaction Accts 28,113 28,528 25,866 49,955 43,135 Domestic Nontransaction Accts 127,061 157,319 196,611 162,266 155,437 Total Domestic Deposits 179,055 206,815 261,759 226,380 210,073 Deposits in Foreign Offices 0 0 0 0 0 Total Deposits 179,055 206,815 261,759 226,380 210,073

Other Liquidity/Funding Data Non Core Liabilities $250M 28,142 35,817 57,212 89,655 142,695 Non Core Liabilities $100M 47,588 57,887 82,364 89,655 137,557 Short Term Non Core Funding 2,918 8,119 38,893 25,377 90,573 Core Deposits 162,914 182,998 216,548 148,725 110,378 Time Deps $250M & Under Mat < 1 Yr 24,789 39,141 N/A N/A N/A Time Deps $250M & Under Mat > 1 Yr 55,753 66,607 N/A N/A N/A Time Deps over $250M Mat < 1 Yr 262 260 N/A N/A N/A Time Deps over $250M Mat > 1 Yr 2,223 2,041 N/A N/A N/A Fed Home Loan Bor Mat < 1 Yr 0 0 0 0 0 Fed Home Loan Bor Mat > 1 Yr 12,000 12,000 12,000 12,000 12,000 Other Borrowing Mat < 1 Year 0 0 0 0 0 Other Borrowing Mat > 1 Year 0 0 0 0 31,000 Secured Other Borrowings 0 0 0 0 31,000 Federal Funds Purchased 0 0 0 0 0 Secured Fed Funds Purchased 0 0 0 0 0 Listing Service Deposits 7,682 18,743 N/A N/A N/A Brokered Deposits 13,657 21,516 41,374 49,511 46,793 Reciprocal Brokered Deposits 0 0 0 991 N/A

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Liquidity & Inv PortfolioOCC Charter # 0 County: THREE Liquidity & Investment Portfolio--Page 10APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Total Assets BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Short Term Investments 2.90 9.46 16 7.04 8.69 45 9.61 8.36 63 0.63 9.04 7 3.09 5.40 39 Marketable Equity Sec (MES) 0.00 0.00 89 0.00 0.00 90 0.00 0.00 88 0.00 0.00 93 0.00 0.00 94 Net LN&LS & SBLC to Assets 69.41 62.02 68 71.48 63.48 71 63.87 65.77 41 83.39 73.72 89 72.54 78.76 21 Pledged Assets 27.66 22.11 65 25.05 22.30 60 25.98 22.31 61 43.59 17.14 86 N/A 0.00 N/A

Securities Mix % Total Securities US Treas & Govt Agencies 4.13 25.72 26 4.04 29.19 23 11.30 32.60 29 5.59 36.28 22 23.03 34.93 32 Municipal Securities 15.93 23.77 40 18.85 21.63 48 11.64 21.12 38 0.00 3.79 70 0.00 1.10 82 Pass-Through Mtg Backed Secs 77.86 23.58 93 65.88 22.95 90 68.24 20.29 92 88.65 26.75 87 74.29 30.90 83 CMO & REMIC Mtg Backed Secs 0.00 8.54 41 8.66 9.34 61 7.02 8.93 62 0.00 5.68 63 0.00 4.15 71 Commercial Mtg Back Secs 0.00 0.02 91 0.00 0.00 94 0.00 0.00 94 0.00 0.00 99 N/A 0.00 N/A Asset Backed Securities 0.00 0.44 95 0.00 0.22 96 0.00 0.06 97 0.00 0.00 99 0.00 0.02 98 Structured Financial Products 0.00 0.18 96 0.00 0.08 96 0.00 0.07 96 0.00 0.11 97 N/A 0.00 N/A Other Domestic Debt Secs 2.08 1.02 81 2.57 0.95 84 1.79 0.82 81 5.77 0.21 93 2.69 0.27 90 Foreign Debt Securities 0.00 0.18 96 0.00 0.08 98 0.00 0.07 98 0.00 0.00 99 0.00 0.00 99 Inv Mut Fnd & Oth Mktbl 0.00 0.02 89 0.00 0.01 90 0.00 0.02 88 0.00 0.00 92 0.00 0.00 93 Total 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Liquidity/Securities Ratios: App (Dep) Hi Risk & Struc/T1 Cap -0.02 0.01 6 0.00 0.02 67 0.00 -0.09 83 0.00 -0.06 90 0.00 0.00 90 App (Dep) in AFS sec to AFS Sec 1.82 1.92 50 2.76 1.89 71 -1.48 0.44 13 0.81 0.45 65 2.23 1.53 67 App (Dep) in HTM Sec to HTM Sec N/A 2.11 N/A N/A 2.11 N/A N/A 0.85 N/A N/A 0.68 N/A N/A 0.86 N/A App (Dep) in HTM Sec to Eqy Cap 0.00 0.09 78 0.00 0.14 76 0.00 0.04 80 0.00 0.00 90 0.00 0.01 88 Pledged Securities to Tot Sec 45.86 33.99 67 17.09 35.93 26 11.89 39.67 16 42.26 39.07 47 76.67 41.72 71 Pledged Loans to Total Loans 24.24 21.27 59 31.13 20.81 66 36.64 20.15 72 49.05 16.91 86 N/A 0.00 N/A Loans Held for Sale to Total Loans 7.39 0.35 96 3.45 0.24 94 2.59 0.25 93 1.73 0.10 95 1.84 0.05 94

Short Term Investments 6,025 16,518 28,020 1,624 8,509 Short Term Assets 44,407 73,892 77,081 58,158 70,948 Debt Securities 90+ Days P/D 0 0 0 0 0 Total Non-Current Debt Sec 0 0 0 0 0 Fair Value Structured Notes 2,987 1,000 1,000 1,000 0 Pledged Securities 22,061 6,656 6,637 7,328 28,555 Pledged Loans & Leases 35,379 52,096 69,124 104,214 N/A Loans Held for Sale 10,787 5,773 4,891 3,674 3,623

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Capital Analysis-aOCC Charter # 0 County: THREE Capital Analysis--Page 11Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Capital Ratios BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 2005 PCT BANK PG 2005 PCT Percent of Bank Equity: Net Loans & Leases (x) 9.32 6.20 91 11.18 6.46 94 11.53 7.08 92 12.82 8.36 90 9.17 7.56 73 Subord Notes & Debentures 0.00 0.32 98 0.00 0.21 98 0.00 0.22 98 0.00 0.67 97 0.00 0.22 98 Long Term Debt 0.00 0.32 98 0.00 0.21 98 0.00 0.22 98 0.00 0.67 97 0.00 0.22 98 Com RE & Related Ventures 487.83 282.50 88 614.71 298.28 92 685.95 330.82 92 737.48 478.07 82 734.56 429.44 91 Percent of Average Bank Equity: Net Income 5.62 5.97 46 -18.49 3.08 8 1.85 0.21 37 -23.27 -16.93 32 2.33 -8.65 80 Dividends 0.00 2.32 43 0.00 1.82 47 0.00 1.77 47 0.00 0.08 84 0.00 0.02 93 Retained Earnings 5.62 2.96 69 -18.49 0.75 8 1.85 -2.11 45 -23.27 -17.34 32 2.33 -8.88 82 Other Capital Ratios: Dividends to Net Operating Income 0.00 30.59 35 N/A 28.55 N/A 0.00 30.98 29 N/A 10.12 N/A 0.00 2.65 91 Bank Eq Cap + Min Int to Assets 7.38 10.28 8 6.21 10.14 6 5.51 9.62 6 6.37 9.30 15 7.72 10.94 11 Growth Rates: Total Equity Capital 5.20 4.33 55 -9.30 6.21 10 -1.41 0.98 27 -23.35 -3.65 25 15.18 0.91 84 Equity Growth Less Asst Growth 16.68 0.99 94 10.25 3.62 77 -15.35 -0.95 12 -16.26 -16.25 50 -71.42 -26.93 8 Intang Assets % Bank Equity Mortgage Servicing Rights 0.00 0.07 87 0.00 0.05 88 0.00 0.04 90 0.00 0.27 95 0.00 0.27 96 Goodwill 0.00 0.56 80 0.00 0.64 78 0.00 0.80 79 0.00 0.14 90 0.00 0.23 89 Purch Credit Card Relations 0.00 0.08 96 0.00 0.06 96 0.00 0.03 97 0.00 0.00 94 0.00 0.14 95 All Other Intangibles 0.00 0.08 83 0.00 0.08 82 0.00 0.10 82 0.00 0.01 92 0.00 0.00 93 Total Intangibles 0.00 1.17 63 0.00 1.21 62 0.00 1.35 63 0.00 0.51 79 0.00 0.48 80

Risk-Based Capital Tier One RBC to Risk-Wgt Assets 9.95 14.86 8 8.09 14.41 6 8.28 13.39 8 7.44 11.61 11 10.17 12.68 28 Total RBC to Risk-Weight Assets 11.21 16.06 8 9.36 15.62 6 9.53 14.59 7 8.70 12.89 11 11.24 13.86 26 Tier One Leverage Capital 7.16 9.80 9 6.01 9.57 6 6.11 9.16 8 6.43 9.03 17 9.39 10.78 37 Other Capital Ratio: Def Tax Asset to T1 Cap 0.00 0.96 60 0.00 1.02 59 2.03 1.53 66 0.00 0.96 66 0.00 0.85 67

End of Period Capital ($000) Perpetual Preferred 0 0 0 0 0 + Common Stock 2,101 2,101 2,101 2,101 2,097 + Surplus 19,922 19,890 19,831 19,729 19,583 + Undivided Profits -7,266 -8,115 -5,320 -5,634 -966 + Accum Other Comp Income 566 689 -554 92 536 + Other Equity Capital Comp 0 0 0 0 0 Total Bank Equity Capital 15,323 14,565 16,058 16,288 21,250 Minority Interest Cons Subs 0 0 0 0 0 Total Bank Capital & Min Int 15,323 14,565 16,058 16,288 21,250

Subordinated Notes & Debentures 0 0 0 0 0

Changes in Bank Equity ($000) Balance at Beginning of Period 14,566 16,059 16,288 21,250 18,449 + Net Income 848 -2,818 315 -4,667 446 + Sales or Purchase of Capital 31 81 102 149 1,923 + Merger & Absorptions 0 0 0 0 0 + Restate due to Acctg Error&Chg 0 0 0 0 0 + Trans with Parent 0 0 0 0 0 - Dividends 0 0 0 0 0 + Other Comprehensive Income -123 1,243 -646 -444 432 Balance at End of Period 15,322 14,565 16,059 16,288 21,250

Intangible Assets Mortgage Servicing Rights 0 0 0 0 0 + Purch Credit Card Relations. 0 0 0 0 0 + Other Intangibles 0 0 0 0 0 + Goodwill 0 0 0 0 0 Total Intangibles 0 0 0 0 0

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Capital Analysis-bOCC Charter # 0 County: THREE Capital Analysis--Page 11APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Risk Based Capital ($000) Tier One Capital Total Equity Capital Adjusted 14,757 13,876 16,612 16,196 20,714 - Ineligible Def Tax Assets 0 0 0 0 0 - Ineligible Intangibles 0 0 0 0 0 - Cumul Change F.V. Financial Liab 0 0 0 0 0 Net Tier One 14,757 13,876 16,612 16,196 20,714

Tier Two Capital + Qualif Debt and Redeem Pfd 0 0 0 0 0 + Cumulative Preferred Stock 0 0 0 0 0 + Allowable LN&LS Loss Allow 1,869 2,174 2,521 2,741 2,167 + Unrl Gain Mktbl Eqy Sec (45%) 0 0 0 0 0 + Other Tier 2 Capital Comp 0 0 0 0 0 Net Eligible Tier Two 1,869 2,174 2,521 2,741 2,167

Total RBC Before Deductions Tier One & Tier Two 16,626 16,050 19,133 18,937 22,881 Tier Three & Fin Sub Adj 0 0 0 0 0 - Deductions for Total RBC 0 0 0 0 0 Total Risk-Based-Capital 16,626 16,050 19,133 18,937 22,881

Risk-Weighted Assets On-Balance Sheet Category Two - 20% 1,309 1,679 4,017 1,064 4,724 Category Three - 50% 15,956 15,732 16,131 14,968 8,189 Category Four - 100% 127,449 151,811 178,337 194,498 186,643 Total On-Balance Sheet 144,714 169,223 198,485 210,530 199,557 Memo: Category One - 0% 44,016 46,416 65,218 29,659 50,132

Off-Balance Sheet Category Two - 20% 0 0 0 0 0 Category Three - 50% 763 1,975 1,607 1,655 1,428 Category Four - 100% 4,039 2,742 1,567 6,379 2,598 Total Off-Balance Sheet 4,802 4,717 3,174 8,034 4,026 Memo: Category One - 0% 0 0 0 0 0

Adjustments to Risk-Wgt Assets Risk-Weighted Asset Before Ded 149,517 173,940 201,660 218,564 203,583 - Excess Allowable LN&LS Loss Al 1,253 2,388 988 916 0 - Allocated Transfer Risk Reserve 0 0 0 0 0 + Mkt Risk Asset & Fin Sub Adj 0 0 0 0 0 Total Risk-Weighted Assets 148,264 171,553 200,672 217,649 203,584

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Income Statement 1-Qtr-AnnOCC Charter # 0 County: THREE One Quarter Annualized Income Analysis--Page 12Public Report

12/31/2012 9/30/2012 6/30/2012 3/31/2012 12/31/2011 Earnings and Profitability BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Percent of Average Assets: Interest Income (TE) 4.00 4.15 40 4.16 4.24 45 4.25 4.28 48 4.23 4.34 42 4.50 4.45 53 - Interest Expense 1.29 0.57 99 1.24 0.61 98 1.33 0.65 98 1.39 0.70 98 1.49 0.77 97 Net Interest Income (TE) 2.72 3.58 5 2.92 3.62 10 2.93 3.63 10 2.85 3.63 7 3.01 3.67 11 + Noninterest Income 1.96 0.72 91 1.97 0.71 93 1.00 0.66 78 0.89 0.67 71 0.71 0.66 57 - Noninterest Expense 4.40 3.40 85 3.77 3.32 72 3.43 3.28 59 3.18 3.28 48 2.59 3.40 18 - Provision: Loan & Lease Losses 0.96 0.27 89 0.54 0.23 83 0.45 0.27 77 0.53 0.27 80 1.68 0.56 87 Pretax Operating Income (TE) -0.68 0.69 12 0.58 0.83 34 0.05 0.78 18 0.03 0.78 18 -0.56 0.38 19 + Realized Gains/Losses Sec 0.74 0.05 95 0.00 0.05 62 0.03 0.06 67 0.78 0.04 97 0.00 0.04 66 Pretax Net Operating Income (TE) 0.06 0.79 20 0.58 0.91 32 0.08 0.88 15 0.81 0.85 46 -0.56 0.44 19 Net Operating Income 0.06 0.60 20 0.58 0.69 40 0.08 0.67 15 0.81 0.64 61 -0.56 0.26 18 Adjusted Net Operating Income -1.81 0.52 6 0.92 0.65 60 -0.46 0.66 12 0.15 0.64 24 1.11 0.20 77 Net Inc Attrib Min Ints 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Net Income Adjusted Sub S 0.06 0.52 20 0.58 0.60 42 0.08 0.59 15 0.81 0.56 64 -0.56 0.22 18 Net Income 0.06 0.60 20 0.58 0.69 40 0.08 0.67 15 0.81 0.64 61 -0.56 0.26 18

Margin Analysis: Int Inc (TE) to Avg Earn Assets 4.14 4.51 28 4.32 4.60 33 4.42 4.65 36 4.43 4.72 30 4.70 4.83 42 Int Expense to Avg Earn Assets 1.33 0.61 98 1.29 0.66 97 1.38 0.70 97 1.45 0.76 98 1.56 0.84 97 Net Int Inc-TE to Avg Earn Assets 2.81 3.89 4 3.03 3.93 7 3.04 3.94 6 2.98 3.94 4 3.14 3.99 9

Loan & Lease Analysis: Net Loss to Average Total LN&LS 3.99 0.53 96 0.29 0.42 55 1.40 0.46 86 1.66 0.46 87 0.03 1.02 16 Earnings Coverage of Net Loss (X) 0.10 4.13 30 5.64 -0.53 64 0.51 4.50 34 0.47 6.48 34 54.25 4.98 93 LN&LS Allowance to Net Losses (X) 0.54 3.05 22 9.28 0.99 74 1.78 4.86 36 1.56 4.83 34 95.06 5.09 97

Capitalization Cash Dividends to Net Income 0.00 33.97 55 0.00 13.62 63 0.00 19.74 60 0.00 12.98 66 0.00 24.96 62 Retain Earns to Avg Total Equity 0.77 0.43 40 8.30 4.42 75 1.13 3.46 28 12.41 3.99 91 -8.71 -1.77 21

Yield on or Cost of: Total Loan & Leases (TE) 5.14 5.75 15 5.38 5.81 23 5.44 5.84 25 5.27 5.88 14 5.58 5.98 25 Loans in Domestic Offices 5.14 5.73 15 5.38 5.80 24 5.44 5.82 26 5.27 5.86 15 5.58 5.97 26 Real Estate 5.29 5.69 28 5.37 5.76 26 5.45 5.76 31 5.33 5.82 20 5.83 5.92 45 Secured by 1-4 Fam Resi Prop 4.77 5.61 22 5.48 5.71 45 5.19 5.73 30 5.15 5.75 26 6.10 5.84 63 All Other Loans Sec Real Estate 5.63 5.74 47 5.30 5.81 24 5.60 5.80 39 5.43 5.85 27 5.68 5.94 35 Commercial & Industrial 6.32 6.02 67 6.58 6.08 73 6.32 6.09 62 6.05 6.13 51 5.50 6.29 26 Individual 6.27 7.55 28 7.84 7.46 61 6.39 7.57 30 5.64 7.64 16 5.45 7.93 13 Credit Card N/A 10.33 N/A N/A 10.62 N/A N/A 10.24 N/A N/A 9.90 N/A N/A 9.61 N/A Agricultural N/A 5.20 N/A N/A 5.18 N/A N/A 5.21 N/A N/A 5.21 N/A N/A 5.77 N/A Loans in Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Total Investment Securities (TE) 1.51 2.35 18 2.07 2.46 36 2.61 2.59 52 2.52 2.76 42 2.40 2.82 34 Total Investment Securities (Book) 1.51 2.08 21 2.07 2.20 43 2.61 2.34 64 2.52 2.49 53 2.40 2.58 40 US Treas & Agency (Excl MBS) 1.01 1.49 25 1.42 1.63 42 1.62 1.72 47 3.34 1.87 95 3.32 1.96 91 Mortgage Backed Securities 0.69 1.80 11 1.27 2.06 17 1.70 2.30 22 1.58 2.49 15 1.51 2.62 11 All Other Securities 5.69 3.11 95 6.00 3.17 97 5.90 3.30 96 5.79 3.39 95 5.69 3.50 96 Interest-Bearing Bank Balances 0.13 0.35 23 0.16 0.33 27 0.16 0.34 26 0.17 0.35 27 0.18 0.35 30 Federal Funds Sold & Resales 0.00 0.20 31 0.00 0.22 26 0.00 0.21 27 0.00 0.20 28 0.00 0.23 31

Total Interest Bearing Deposits 1.51 0.70 99 1.42 0.75 97 1.49 0.79 97 1.57 0.86 98 1.73 0.95 97 Transaction accounts 0.13 0.24 32 0.11 0.26 23 0.11 0.27 23 0.12 0.30 25 0.15 0.32 30 Other Savings Deposits 0.41 0.33 70 0.41 0.35 64 0.66 0.38 88 0.74 0.42 88 0.74 0.46 83 Time Deps Over $100M 2.08 1.13 95 2.04 1.20 94 1.99 1.25 92 2.05 1.33 92 2.42 1.42 95 All Other Time Deposits 2.48 1.11 98 2.35 1.18 97 2.29 1.23 97 2.35 1.32 96 2.50 1.43 96 Foreign Office Deposits N/A 0.00 N/A N/A 0.00 N/A N/A 0.33 N/A N/A 0.38 N/A N/A 0.39 N/A

Federal Funds Purchased & Repos 1.47 0.32 92 N/A 0.37 N/A N/A 0.31 N/A N/A 0.30 N/A 0.00 0.40 37 Other Borrowed Money 3.30 2.47 61 3.10 2.51 55 3.27 2.80 56 3.27 2.67 55 3.07 2.65 50 Subord Notes & Debentures N/A 5.45 N/A N/A 5.59 N/A N/A 5.01 N/A N/A 4.58 N/A N/A 5.94 N/A All Interest-Bearing Funds 1.64 0.77 99 1.53 0.82 98 1.61 0.86 98 1.67 0.93 97 1.82 1.02 97

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Securitization & Asset Sale-aOCC Charter # 0 County: THREE Securitization & Asset Sale Activities--Page 13Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year Securitization Activities 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Retained Interest-Only Strips 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Retained Credit Enhancements 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Unused Liquidity Commitments 0.00 0.00 0.00 0.00 0.00 N/A N/A

Sellers Interest in Secs & Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A

Total Retained Credit Exposure 0.00 0.00 0.00 0.00 0.00 N/A N/A

Asset Backed Comml Paper Conduits 0.00 0.00 0.00 0.00 0.00 N/A N/A CR Exp Spons by Bank & Other 0.00 0.00 0.00 0.00 0.00 N/A N/A Liquid Comm by Bank & Other 0.00 0.00 0.00 0.00 0.00 N/A N/A

Activity % Total Assets Securitization Activities 0.00 0.00 0.00 0.00 0.00 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Asset Backed Comml Paper Conduits 0.00 0.00 0.00 0.00 0.00 Cr Exp Spons by Bank & Other 0.00 0.00 0.00 0.00 0.00 Liquid Comm by Bank & Other 0.00 0.00 0.00 0.00 0.00

Percent of Tot Managed Assets on Balance Sheet & Sec Assets 1-4 Family Residential Loans 17.95 15.03 13.18 12.93 8.66 Home Equity Lines 14.48 13.27 11.21 10.00 9.43 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 2.56 3.08 2.56 2.36 0.77 Commercial & Industrial Loans 13.77 15.41 17.51 17.09 20.43 All Other Loans and Leases 51.24 53.21 55.54 57.62 60.71

Percent Change

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Securitization & Asset Sale-bOCC Charter # 0 County: THREE Securitization & Asset Sale Activities--Page 13APublic Report

12/31/2012 12/31/2010 12/31/2009 12/31/2008 % Tot Securitization Act by Type Retained Int Only Strips N/A N/A N/A N/A 1-4 Family Residential Loans N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A

Retained Credit Enhancement N/A N/A N/A N/A 1-4 Family Residential Loans N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A

Unused Comm to Provide Liquidity N/A N/A N/A N/A N/A Sellers Int in Secs & LNS % Trust N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A

Percent of Tier 1 Capital Total Retained Credit Exposure 0.00 0.00 0.00 0.00 0.00 Retained Interest-Only Strips 0.00 0.00 0.00 0.00 0.00 Retained Credit Enhancements 0.00 0.00 0.00 0.00 0.00

30-89 Day PD Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total 30-89 Day PD Secur Assets 0.00 0.00 0.00 0.00 0.00

90+ Days PD Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total 90+ Days PD Secur Assets 0.00 0.00 0.00 0.00 0.00

Total Past Due Securitized Assets 0.00 0.00 0.00 0.00 0.00

Net Losses Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total Net Charge Off Secur Asset 0.00 0.00 0.00 0.00 0.00

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Securitization & Asset Sale-cOCC Charter # 0 County: THREE Securitization & Asset Sale Activities--Page 13BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 30-89 Day PD Securitized Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 30-89 Days PD Secur Asset N/A N/A N/A N/A N/A

90+ Day PD Securitized Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 90+ Day PD Secur Asset N/A N/A N/A N/A N/A

Total PD Securitized Asets % N/A N/A N/A N/A N/A

Net Losses on Securitized Assets% 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Net Losses on Securitized Assets N/A N/A N/A N/A N/A

30-89 DAY PD managed assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 30-89 Day PD Manage Asset N/A N/A N/A N/A N/A

90+ DAY PD MANAGED ASSETS % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 90+ Day PD Manage Asset N/A N/A N/A N/A N/A

Total Past Due Managed Assets % N/A N/A N/A N/A N/A

Net Losses on Managed Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Net Losses on Managed Assets N/A N/A N/A N/A N/A

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Fiduciary Services-aOCC Charter # 0 County: THREE Fiduciary & Related Services--Page 14Public Report

12/31/2012 9/30/2012 12/31/2011 12/31/2012 Total Fiduciary and Related Assets '($000)' %Total %MGD '($000)' %Total %MGD '($000)' %Total %MGD %Change Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Foundation & Endowment Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Fiduciary Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A Memo: Accts in Foreign Offices N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: IRA, HSA & Other N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Total Fiduciary and Related Accounts (#) %Total %MGD (#) %Total %MGD (#) %Total %MGD %Change Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Foundation & Endowment Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Number of Accounts N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A Memo: Accts in Foreign Offices N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: IRA, HSA & Other N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Fiduciary and Related Services Income '($000)' %FID IN %Change '($000)' %FID IN %Change '($000)' %FID IN %Change Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Foundation & Endowment Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Related Services N/A N/A N/A N/A N/A N/A N/A N/A N/A Gross Fiduciary and Related Income N/A N/A N/A N/A N/A N/A N/A N/A N/A Less: Expenses N/A N/A N/A N/A N/A N/A N/A N/A N/A Less:Net Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A Plus: Intra-company Credits N/A N/A N/A N/A N/A N/A N/A N/A N/A Net Fiduciary and Related Income N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: Fiduciary Income - Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A Gross Fiduciary Income % Nonint Inc N/A N/A N/A

Fiduciary Income % Fiduciary Assets Bank PCT Bank PCT Bank PCT Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DC N/A N/A N/A N/A N/A N/A N/A N/A N/A Employee Benefit DB N/A N/A N/A N/A N/A N/A N/A N/A N/A Other EB & Retirement-Related N/A N/A N/A N/A N/A N/A N/A N/A N/A Corporate Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Fiduciary Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A Custody and Safekeeping N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: Fiduciary Income Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Assets '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Accounts (#) %Total %Change (#) %Total %Change (#) %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

FDIC Certificate # 33333 FRB District/ID_RSSD 6 / 3333333 THREE BANK THREE, AL Fiduciary Services-bOCC Charter # 0 County: THREE Fiduciary & Related Services--Page 14APublic Report

Gross Fiduciary Losses - Managed '($000)' %Rev PCT '($000)' %Rev PCT '($000)' %Rev PCT Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A EB & Retirement Related Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Gross Managed Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Gross Fiduciary Losses - Non Managed Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A EB & Retirement Related Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Gross Non Managed Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Net Fiduciary Losses - ALL Personal Trust and Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A EB & Retirement Related Trust & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Inv Mgmt & Inv Advisory Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Fiduciary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Net Losses N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Corporate Trust and Agency '($000)' #ISS %Change '($000)' #ISS %Change '($000)' #ISS %Change

Corporate and Muni Trusteeships N/A N/A N/A N/A N/A N/A N/A N/A N/A Issues in Default N/A N/A N/A N/A N/A N/A N/A N/A N/A All Other Corporate N/A N/A N/A N/A N/A N/A N/A N/A N/A

Managed Assets in Fiduciary Accts '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Noninterest-Bearing Deposits N/A N/A N/A N/A N/A N/A N/A N/A N/A Interest-Bearing Deposits N/A N/A N/A N/A N/A N/A N/A N/A N/A U.S. Treasury & Agency N/A N/A N/A N/A N/A N/A N/A N/A N/A State, County & Municipal N/A N/A N/A N/A N/A N/A N/A N/A N/A Money Market Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Equity Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Common & Collective Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Short-Term Obligations N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Notes and Bonds N/A N/A N/A N/A N/A N/A N/A N/A N/A Unregistered Funds & Private Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Other Common & Preferred Stocks N/A N/A N/A N/A N/A N/A N/A N/A N/A Real Estate Mortgages N/A N/A N/A N/A N/A N/A N/A N/A N/A Real Estate N/A N/A N/A N/A N/A N/A N/A N/A N/A Miscellaneous Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Managed Assets N/A N/A N/A N/A N/A N/A N/A N/A N/A

Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

Peer Group Descriptions for Fiduciary & Related Services: Peer Number

Memo: Fiduciary Income Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Assets '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

Collective/Common Trust Fund Accounts (#) %Total %Change (#) %Total %Change (#) %Total %Change Domestic Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A International/Global Equity N/A N/A N/A N/A N/A N/A N/A N/A N/A Stock/Bond Blend N/A N/A N/A N/A N/A N/A N/A N/A N/A Taxable Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Municipal Bond N/A N/A N/A N/A N/A N/A N/A N/A N/A Short Term/Money Market N/A N/A N/A N/A N/A N/A N/A N/A N/A Specialty/Other N/A N/A N/A N/A N/A N/A N/A N/A N/A Total Trust Funds N/A N/A N/A N/A N/A N/A N/A N/A N/A

12/31/20119/30/201212/31/2012

Net Interest Income (TE):Avg Assets

Net Income:Avg Assets 1.39 3.73 49 '124.05 3.76 68 '11 Fiduciary Activities (inc)

0.39 0.64 29 '12 4.11 3.77 72 '10-1.16 0.38 10 '11 4.12 3.83 70 '090.12 0.13 34 '10 4.65 3.87 88 '08 Deposit Service Charges

-1.89 -1.53 37 '090.24 -1.07 78 '08 Noninterest Income:

Avg Assets Net from Trading Fees &1.44 0.69 88 '12 Comms (if available)0.63 0.63 55 '110.52 0.64 41 '10 Foreign Exchange Trading Average Assets per0.46 0.28 77 '09 (if available) employee-$MM0.41 0.27 75 '08 3.40 3.97 34 '12

Other Non-Interest Income 5.33 3.89 87 '116.34 3.81 95 '105.33 5.62 53 '09

Personnel Expense: 5.62 5.08 65 '08Avg Assets

Non-interest expense: 2.01 1.70 77 '12 Average Personnel ExpAvg Assets 1.30 1.67 16 '11 per equiv Emp-$M

3.68 3.32 70 '12 1.34 1.65 24 '10 71.90 64.70 71 '123.76 3.33 72 '11 1.58 1.51 55 '09 71.73 62.01 78 '113.08 3.34 39 '10 1.82 1.83 47 '08 75.87 60.54 86 '103.28 3.25 51 '09 81.29 79.53 56 '093.16 3.50 38 '08 69.71 79.98 36 '08

Provision for loan & lease Premises, fixed assets:losses: Avg Assets Occupancy Expense: Avg Assets

0.62 0.29 83 '12 Avg Assets 0.41 2.24 4 '120.93 0.51 79 '11 0.28 0.43 15 '12 0.43 2.24 5 '110.27 0.78 26 '10 0.22 0.44 6 '11 0.44 2.24 5 '102.28 1.57 70 '09 0.22 0.45 5 '10 0.51 1.75 27 '090.52 1.00 42 '08 0.28 0.46 16 '09 0.67 2.04 30 '08

0.29 0.53 13 '08Realized G/L Avg Assets per domesicHTM Securities office

0.38 0.07 93 '12 Other operating expenses:0.07 0.05 72 '11 Avg Assets0.10 0.05 75 '10 1.39 1.16 74 '120.30 0.06 92 '09 2.23 1.19 94 '11 Effiency Ratio0.00 0.01 70 '08 1.51 1.21 76 '10

1.43 1.25 69 '09 85.55 76.82 72 '12Realized G/L 1.06 1.13 50 '08 108.73 76.82 93 '11AFS Securities 91.48 78.35 78 '10

97.19 101.23 54 '09Net Extraordinary Items: 80.72 104.87 23 '08Avg Assets

Applicable Income Tax:Avg Assets Net Interest Income+NonInterest Income

or…85.55 to make $100 in revenue

Overhead

Total Loans & Leases Real Estate Loans Real Estate Loans(Yield On) (yield on) Avg Gross Lns & Leases

Interest Income (TE): 5.31 5.82 18 '12 5.36 5.76 26 '12 81.33 79.85 51 '12Avg Earning Assets 5.58 6.02 22 '11 5.67 5.95 32 '11 79.44 79.18 47 '11

Interest Income (TE): 4.33 4.62 31 '12 5.86 6.16 30 '10 5.73 6.10 28 '10 79.50 78.59 48 '10Avg Assets 4.72 4.94 34 '11 5.63 5.92 32 '09 6.58 5.97 83 '09 77.49 80.08 36 '09

4.17 4.25 43 '12 5.41 5.24 62 '10 6.40 6.60 40 '08 4.69 6.68 1 '08 77.15 77.95 40 '084.47 4.56 42 '11 5.33 5.28 56 '094.77 4.82 45 '10 6.24 6.14 58 '08 Other Interest Income US Treasury & agency Commercial & Industria Commercial & Industrial5.07 4.98 54 '09 Securities Loans (yield on) Avg Gross Lns & Leases6.09 5.85 70 '08 Average Earning Assets 1.94 1.67 65 '12 6.31 6.07 65 '12 13.92 12.34 62 '12

Avg Assets 3.09 2.09 83 '11 5.70 6.29 28 '11 16.32 12.72 68 '11Net Loans and Leases 96.24 92.37 87 '12 4.39 2.64 92 '10 6.37 6.42 53 '10 16.92 13.01 70 '10Avg Assets 94.74 92.55 72 '11 3.74 3.54 54 '09 3.58 6.04 2 '09 19.53 16.36 70 '0968.23 62.02 66 '12 88.17 92.32 12 '10 5.29 4.66 77 '08 6.83 6.54 66 '08 20.20 18.09 65 '0869.05 64.09 62 '11 95.15 94.34 57 '0972.92 66.61 70 '10 97.60 95.31 79 '08 Investment Securities Mortgage backed securities Loans to Individuals Loans to Individuals79.71 75.32 71 '09 (Yield On) (yield on) (yield on) Avg Gross Lns & Leases83.18 77.38 74 '08 2.12 2.54 33 '12 1.26 2.17 13 '12 6.58 7.54 31 '12 4.10 3.18 68 '12

2.49 3.07 28 '11 1.69 3.02 8 '11 5.91 7.85 16 '11 3.45 3.53 58 '11Debt Securities: 3.03 3.59 28 '10 2.18 3.64 9 '10 6.17 7.90 16 '10 3.00 3.86 51 '10Avg Assets 4.29 3.94 63 '09 4.33 4.39 47 '09 6.55 6.54 50 '09 2.72 1.81 70 '09

5.50 4.88 82 '08 5.52 5.21 82 '08 7.62 7.02 62 '08 2.65 1.87 73 '08Interest-Bearing BankBalances: Avg Assets Interest Bearing Bank All other securities Agriculture Loans Agriculture Loans:

Balances (Yield On) (yield on) (yield on) Avg Gross Lns & LeasesFederal Funds Sold 0.16 0.35 23 '12 5.84 3.22 96 '12 N/A 5.75 N/A '12 0.00 1.60 37 '12Avg Assets 0.17 0.37 25 '11 5.71 3.60 96 '11 N/A 6.21 N/A '11 0.00 1.52 37 '11

0.92 0.51 75 '10 15.70 3.88 99 '10 N/A 6.36 N/A '10 0.00 1.40 39 '10Trading Acct Securities: 2.85 0.81 91 '09 5.90 3.54 83 '09 N/A 6.66 N/A '09 0.00 0.14 72 '09Avg Assets 0.00 2.08 19 '08 7.31 3.86 91 '08 N/A 6.97 N/A '08 0.00 0.22 71 '08

Equity Securities: Federal Funds SoldAvg Assets (Yield On)

0.00 0.22 16 '120.00 0.23 15 '110.00 0.20 13 '100.21 0.21 51 '092.27 2.07 71 '08

Interest ExpenseAvg Assets

1.31 0.63 98 '121.64 0.87 98 '111.93 1.18 96 '102.16 1.96 62 '092.58 2.76 34 '08

Page 2

Transactions Accounts All other time deposits(cost of) (cost of)

Total Interest Bearing 0.12 0.27 24 '12 2.36 1.21 97 '12Deposits (cost of) 0.28 0.36 48 '11 2.62 1.56 96 '11

1.50 0.78 98 '12 1.10 0.47 89 '10 2.80 2.04 92 '101.93 1.06 99 '11 2.25 0.76 94 '09 3.01 3.00 47 '092.30 1.43 97 '10 0.56 1.32 19 '08 3.71 4.16 16 '082.53 2.44 55 '093.15 3.54 23 '08 Other savings & deposits Foreign Office Deposits

(cost of) (cost of)Interest Expense 0.56 0.37 80 '12 N/A 0.00 N/A '12Avg Earning Assets 0.76 0.54 77 '11 N/A 0.39 N/A '11

1.36 0.69 98 '12 1.25 0.75 89 '10 N/A 0.50 N/A '101.73 0.94 98 '11 1.22 1.45 33 '09 N/A 0.00 N/A '092.18 1.28 98 '10 2.35 2.43 38 '08 N/A 0.00 N/A '082.27 2.08 59 '092.64 2.90 30 '08 Time deps over $100M

(cost of)2.04 1.24 93 '122.51 1.55 95 '112.83 1.98 93 '103.13 2.84 65 '093.93 4.15 32 '08

Federal Funds Purchased& Repos (cost of)

1.47 0.36 92 '120.00 0.46 32 '110.00 0.53 33 '101.05 0.74 69 '091.41 2.35 20 '08

Other Borrowings (+ noteoption) (cost of)

3.23 2.40 60 '123.22 2.59 55 '112.80 2.77 39 '102.88 2.64 53 '092.13 3.04 18 '08

Subord Notes & Debentures (cost of)

N/A 5.66 N/A '12N/A 6.10 N/A '11N/A 9.98 N/A '10N/A 5.32 N/A '09N/A 2.42 N/A '08

Interest-bearing transaction Foreign office depositsaccts:avg assets avg assets15.70 12.63 65 '12 0.00 0.00 99 '1213.79 11.90 62 '11 0.00 0.02 99 '119.88 11.23 47 '10 0.00 0.02 99 '10

22.07 5.95 96 '09 0.00 0.00 99 '0920.53 5.21 94 '08 0.00 0.00 99 '08

Interest-Bearing Funds Interest-bearing non-trans Other borrowings:Avg Assets accts:avg assets avg assets81.14 74.26 81 '12 70.96 68.40 59 '12 0.00 0.00 88 '1281.56 75.75 77 '11 76.07 71.02 65 '11 0.00 0.02 80 '1182.39 77.13 75 '10 75.11 73.61 57 '10 0.00 0.04 75 '1084.62 80.52 73 '09 71.68 82.82 15 '09 2.43 0.10 96 '0987.08 78.63 93 '08 73.99 83.90 16 '08 5.93 0.04 99 '08

Federal funds & repos Subord notes & debenturesavg assets avg assets

0.00 0.40 60 '12 0.00 0.02 98 '120.00 0.43 58 '11 0.00 0.01 98 '110.00 0.52 55 '10 0.00 0.01 98 '100.00 0.75 53 '09 0.00 0.03 97 '091.59 1.21 70 '08 0.00 0.01 98 '08

Page 3

BANK FOUR

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Table of ContentsOCC Charter # 0 County: FOUR December 31, 2012 Uniform Bank Performance ReportPublic Report

InformationIntroduction Table of ContentsThis uniform bank performance report covers the operations of a bank and that of a Sectioncomparable group of peer banks. It is provided as a bank management tool by the Federal Cover PageFinancial Institutions Examination Council. Detailed information Summary Ratios--Page 1concerning the content of this report is provided in the Users Guide for the Uniform Income Statement $--Page 2Bank Performance Report found online at www.ffiec.gov. Noninterest Income, Expenses and Yields--Page 3This report has been produced for the use of the federal regulators of financial Balance Sheet $--Page 4institutions in carrying out their supervisory responsibilities. All information contained herein Off Balance Sheet Items--Page 5was obtained from sources deemed reliable however no guarantee is given as to Derivative Instruments--Page 5Athe accuracy of the data. The information contained in this report are not to be construed Derivative Analysis--Page 5Bas a rating or other evaluation of a financial institution by a federal banking regulator. Balance Sheet Percentage Composition--Page 6The quarterly report of condition and income is the principal source of information Analysis of Credit Allowance and Loan Mix--Page 7for this report. Please refer to that document for additional financial information and Analysis of Credit Allowance and Loan Mix--Page 7Aan explanation of the accounting standards that underlie data shown herein. Analysis of Concentrations of Credit--Page 7BFor questions regarding content of reports contact: Analysis of Past Due, Nonaccrual & Restructured--Page 81-888-237-3111 or email: cdr.help@ffiec.gov Analysis of Past Due, Nonaccrual & Restructured--Page 8A

Interest Rate Risk Analysis as a Percent of Assets--Page 9Financial Institution Address: Liquidity & Funding--Page 10BANK FOUR Liquidity & Investment Portfolio--Page 10A4444 FOUR CIRCLE Capital Analysis--Page 11FOUR TX Capital Analysis--Page 11A44444- One Quarter Annualized Income Analysis--Page 12

Securitization & Asset Sale Activities--Page 13The Current Federal Regulator is: Securitization & Asset Sale Activities--Page 13AFederal Deposit Insurance Corporation Securitization & Asset Sale Activities--Page 13B

Fiduciary & Related Services--Page 14The bank was established on: 1/1/1900 Fiduciary & Related Services--Page 14A

The current peer group for this bank is: 3Insured commercial banks having assets between $300 million and $1 billion Bank Holding Company Information:

FRB District / ID_RSSD 11 / 4444444FootNotes: FOUR BANCORP, INC.Financial data in the Uniform Bank Performance Report may have been adjusted FOUR, TXas a result of information shown in footnotes below. Please refer to theUniform Bank Performance Report Users Guide online for details.

Bank has elected Subchapter S tax treatment during one or more of the quarters listed.The UBPR will display ratio Net Income Adjusted for Subchapter S on Summary Ratios and One Quarter Annualized Income Analysis pages.

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Summary RatiosOCC Charter # 0 County: FOUR Summary Ratios--Page 1Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Earnings and Profitability BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Percent of Average Assets: Interest Income (TE) 4.24 4.23 50 4.36 4.50 37 5.06 4.78 69 5.25 5.13 58 6.40 5.90 85 - Interest Expense 0.44 0.66 22 0.80 0.90 39 1.03 1.22 32 1.49 1.68 34 2.24 2.36 41 Net Interest Income (TE) 3.80 3.56 67 3.56 3.60 44 4.03 3.56 79 3.76 3.45 66 4.16 3.55 83 + Noninterest Income 1.36 0.78 85 1.71 0.71 92 2.22 0.72 94 2.14 0.74 95 1.68 0.77 92 - Noninterest Expense 4.36 2.93 93 4.03 2.93 90 4.16 2.94 91 4.07 2.97 88 4.22 2.91 90 - Provision: Loan & Lease Losses 0.01 0.30 10 0.11 0.53 14 0.61 0.80 52 0.87 1.12 52 0.47 0.62 55 Pretax Operating Income (TE) 0.79 1.16 29 1.14 0.89 53 1.47 0.59 74 0.96 0.15 60 1.15 0.87 52 + Realized Gains/Losses Sec 0.26 0.07 89 0.02 0.05 57 0.00 0.05 35 0.08 0.04 72 0.00 -0.04 53 Pretax Net Operating Income (TE) 1.04 1.25 36 1.16 0.95 52 1.47 0.65 72 1.04 0.18 63 1.15 0.74 55 Net Operating Income 1.02 0.92 59 1.13 0.67 72 1.51 0.44 88 0.98 0.10 75 1.12 0.53 74 Adjusted Net Operating Income 0.91 0.90 48 1.11 0.68 67 1.76 0.56 90 1.08 0.41 70 1.04 0.78 61 Net Inc Attrib to Min Ints 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 N/A 0.00 N/A Net Income Adjusted Sub S 0.69 0.83 35 0.77 0.60 50 0.97 0.38 72 0.69 0.05 63 0.76 0.47 56 Net Income 1.02 0.92 59 1.13 0.67 72 1.51 0.44 88 0.98 0.10 76 1.12 0.53 74

Margin Analysis: Avg Earning Assets to Avg Assets 91.03 93.26 21 91.79 93.16 30 92.39 93.08 38 91.89 93.59 27 94.03 93.86 49 Avg Int-Bearing Funds to Avg Assets 67.58 78.23 11 70.11 79.79 11 72.88 81.05 12 76.38 81.67 19 73.95 80.74 14 Int Inc (TE) to Avg Earn Assets 4.66 4.55 56 4.75 4.85 43 5.47 5.15 70 5.71 5.50 65 6.81 6.30 85 Int Expense to Avg Earn Assets 0.48 0.71 23 0.87 0.96 41 1.11 1.31 33 1.62 1.80 36 2.38 2.52 40 Net Int Inc-TE to Avg Earn Assets 4.17 3.83 72 3.88 3.88 50 4.36 3.84 79 4.09 3.70 70 4.42 3.79 81

Loan & Lease Analysis: Net Loss to Average Total LN&LS 0.20 0.51 36 0.22 0.80 24 0.51 1.01 39 1.03 1.12 60 0.70 0.53 71 Earnings Coverage of Net Losses (X) 6.54 11.79 53 9.43 7.50 73 5.55 5.56 67 2.27 4.74 49 2.84 9.99 32 LN&LS Allowance to LN&LS Not HFS 1.37 1.77 30 1.39 1.93 26 1.39 1.97 25 0.98 1.87 5 1.07 1.43 24 LN&LS Allowance to Net Losses (X) 6.43 7.41 63 6.33 4.85 74 2.51 3.72 52 1.02 3.28 19 1.71 5.96 23 LN&LS Allowance to Total LN&LS 1.36 1.74 31 1.39 1.90 27 1.39 1.94 26 0.98 1.85 6 1.07 1.42 25 Total LN&LS-90+ Days Past Due 1.37 0.07 98 0.51 0.08 92 1.02 0.11 96 1.60 0.15 97 0.01 0.15 37 -Nonaccrual 1.77 1.91 58 1.28 2.64 36 2.37 3.06 51 3.97 2.96 71 1.12 1.84 46 -Total 3.14 2.06 76 1.79 2.79 44 3.39 3.24 62 5.57 3.18 80 1.14 2.07 40

Liquidity Net Non Core Fund Dep New $250M -10.50 3.45 14 -3.42 5.83 21 5.96 9.12 40 26.63 26.41 50 30.55 31.66 48 Net Loans & Leases to Assets 59.30 62.30 39 59.47 62.82 36 64.64 65.77 43 72.14 68.15 60 81.74 71.43 82

Capitalization Tier One Leverage Capital 10.25 9.67 67 9.01 9.40 44 8.96 9.02 50 8.97 8.66 59 9.14 8.75 65 Cash Dividends to Net Income 94.98 32.27 92 40.31 28.25 62 67.21 26.27 84 46.15 30.16 64 112.13 45.37 87 Retained Earnings to Avg Total Equity 0.49 4.49 16 7.38 2.74 77 5.25 0.71 65 6.16 -3.13 80 -1.50 0.24 30 Rest+Nonac+RE Acq to Eqcap+ALLL 21.55 23.05 57 25.36 31.13 55 24.81 35.71 50 36.19 34.15 65 16.35 18.71 59

Growth Rates Total Assets -10.46 5.13 3 6.08 4.09 64 6.80 1.78 75 41.39 4.62 97 5.25 8.75 39 Tier One Capital 0.55 6.44 15 8.19 5.82 66 5.80 3.67 55 45.50 4.57 97 -1.37 5.18 22 Net Loans & Leases -10.72 3.64 9 -2.40 -0.56 42 -4.31 -1.99 40 24.79 -0.10 95 15.67 9.14 75 Short Term Investments -1.23 33.76 37 63.37 36.82 70 124.93 58.11 79 471.39 232.34 82 -83.84 35.08 8 Short Term Non Core Funding -51.53 -2.29 8 -55.99 -48.46 42 12.65 -11.91 84 21.36 -2.97 80 28.96 21.85 66

Average Total Assets 543,405 575,442 522,398 448,812 331,268 Total Equity Capital 56,700 56,675 48,343 47,408 29,687 Net Income 5,522 6,524 7,902 4,394 3,718

Number of banks in Peer Group 1,200 1,170 1,166 1,198 1,191

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Income Statement $OCC Charter # 0 County: FOUR Income Statement $--Page 2Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Year

Interest and Fees on Loans 20,592 21,984 23,175 20,022 17,665 ########## Income From Lease Financing 439 502 569 775 779 ########## Tax-Exempt 219 218 102 185 134 1/0/1900 Estimated Tax Benefit 110 107 49 89 63 2.54 Income on Loans & Leases (TE) 21,141 22,593 23,793 20,886 18,507 -6.43

US Treas & Agency (Excl MBS) 990 1,263 900 331 541 -21.62 Mortgage Backed Securities 545 772 1,041 1,358 1,103 -29.4 Estimated Tax Benefit 26 69 181 248 184 -61.36 All Other Securities 78 141 371 587 392 -44.68 Tax-Exempt Securities Income 53 140 370 517 392 -62.14 Investment Interest Income (TE) 1,639 2,245 2,493 2,524 2,220 -26.97

Interest on Due From Banks 232 207 82 61 1 12.08 Int on Fed Funds Sold & Resales 0 0 0 0 270 N/A Trading Account Income 0 0 0 0 0 N/A Other Interest Income 17 43 49 87 200 -60.47

Total Interest Income (TE) 23,030 25,088 26,418 23,558 21,198 -8.21

Int on Deposits in Foreign Off N/A N/A N/A N/A N/A N/A Interest on Time Dep Over $100M 958 1,746 1,839 2,484 2,474 -45.13 Interest on All Other Deposits 1,211 2,054 2,476 3,119 4,800 -41.04 Int on Fed Funds Purch & Repos 0 0 9 2 13 N/A Int Trad Liab & Oth Borrowings 211 785 1,050 1,070 139 -73.12 Int on Sub Notes & Debentures 0 0 0 0 0 N/A

Total Interest Expense 2,380 4,585 5,374 6,675 7,426 -48.09

Net Interest Income (TE) 20,650 20,503 21,044 16,883 13,772 0.71 Non-interest Income 7,385 9,849 11,572 9,603 5,564 -25.02 Adjusted Operating Income (TE) 28,035 30,352 32,616 26,486 19,336 -7.64

Non-Interest Expense 23,692 23,166 21,721 18,263 13,966 2.27 Provision: Loan & Lease Losses 72 628 3,196 3,917 1,547 -88.54 Pretax Operating Income (TE) 4,271 6,558 7,699 4,306 3,823 -34.88

Realized G/L Hld-to-Maturity Sec 0 0 0 0 0 N/A Realized G/L Avail-for Sale Sec 1,388 142 0 376 0 877.46 Pretax Net Operating Inc (TE) 5,659 6,700 7,699 4,682 3,823 -15.55

Applicable Income Taxes 0 0 -434 -49 -142 N/A Current Tax Equiv Adjustment 137 176 231 337 247 -22.45 Other Tax Equiv Adjustments 0 0 0 0 0 N/A Applicable Income Taxes (TE) 137 176 -202 288 105 -22.45

Net Operating Income 5,522 6,524 7,902 4,394 3,718 -15.36

Net Extraordinary Items 0 0 0 0 0 N/A Net Inc Noncontrolling Minority Interests 0 0 0 0 N/A N/A Net Income 5,522 6,524 7,902 4,394 3,718 -15.36

Cash Dividends Declared 5,245 2,630 5,311 2,028 4,169 99.43 Retained Earnings 277 3,894 2,591 2,366 -451 -92.89 Memo: Net International Income N/A N/A N/A N/A N/A N/A

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Non Int Inc, Exp, YieldsOCC Charter # 0 County: FOUR Noninterest Income, Expenses and Yields--Page 3Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Average Assets BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Personnel Expense 2.04 1.56 86 1.75 1.50 74 1.78 1.47 77 1.83 1.45 81 1.90 1.53 80 Occupancy Expense 0.53 0.36 86 0.49 0.37 80 0.53 0.38 83 0.49 0.39 75 0.55 0.40 82 Other Oper Exp (Incl Intangibles) 1.79 0.99 93 1.79 1.04 92 1.85 1.06 93 1.75 1.09 91 1.76 0.93 93 Total Overhead Expense 4.36 2.93 93 4.03 2.93 90 4.16 2.94 91 4.07 2.97 88 4.22 2.91 90 Overhead Less Nonint Inc 3.00 2.09 91 2.31 2.19 60 1.94 2.17 36 1.93 2.18 35 2.54 2.06 79 Other Income & Expense Ratios: Efficiency Ratio 84.51 66.82 87 76.32 67.91 73 66.60 68.42 49 68.95 71.47 53 72.23 66.05 69 Avg Personnel Exp Per Empl($000) 53.33 68.31 15 49.85 65.25 11 50.67 63.41 15 49.14 62.11 14 49.21 60.94 18 Assets Per Employee ($Million) 2.42 4.71 2 2.79 4.62 5 2.88 4.54 9 2.97 4.60 12 2.74 4.39 10

Yield on or Cost of: Total Loan & Leases (TE) 6.65 5.64 93 6.57 5.84 89 6.36 5.97 77 6.18 6.06 58 7.15 6.77 76 Loans in Domestic Offices 6.62 5.62 92 6.52 5.82 89 6.32 5.95 76 6.09 6.04 54 7.09 6.75 74 Real Estate 6.53 5.58 92 6.35 5.76 86 6.54 5.88 88 6.32 5.99 73 7.11 6.69 78 Secured by 1-4 Fam Resi Prop 7.07 5.55 91 7.62 5.76 95 7.14 5.93 89 6.53 6.09 69 7.75 6.72 84 All Other Loans Sec Real Estate 6.40 5.61 88 6.03 5.78 66 6.38 5.86 81 6.27 5.94 70 6.97 6.72 67 Commercial & Industrial 6.22 5.75 73 6.24 5.93 67 6.17 6.06 60 5.25 6.03 21 6.81 6.84 53 Individual 8.00 7.26 67 8.19 7.50 68 5.57 7.63 12 5.87 7.76 14 8.12 8.16 51 Credit Card 18.48 9.12 90 16.87 9.70 87 18.77 9.01 91 18.13 9.18 90 17.08 9.51 87 Agricultural 6.30 5.81 70 6.39 6.03 68 6.36 6.20 59 5.96 6.27 41 6.79 7.01 44 Loans in Foreign Offices N/A 4.24 N/A N/A 4.62 N/A N/A 6.10 N/A N/A 6.56 N/A N/A 6.44 N/A Total Investment Securities (TE) 1.74 2.71 12 2.21 3.19 13 3.18 3.68 31 4.55 4.44 54 5.51 5.02 82 Total Investment Securities (Book) 1.71 2.38 15 2.15 2.87 16 2.95 3.34 30 4.10 4.13 44 5.05 4.67 78 US Treas & Agency (Excl MBS) 1.27 1.74 29 1.67 2.10 34 2.05 2.58 32 2.75 3.57 25 4.89 4.57 63 Mortgage Backed Securities 4.24 2.34 93 3.77 3.10 77 4.13 3.76 63 4.40 4.58 38 5.23 4.99 71 All Other Securities 2.09 3.27 12 2.58 3.65 13 3.99 3.86 55 4.65 4.10 77 4.82 4.27 77 Interest-Bearing Bank Balances 0.29 0.30 64 0.26 0.33 54 0.31 0.39 61 0.41 0.63 59 100.00 2.22 99 Federal Funds Sold & Resales 0.00 0.17 20 0.00 0.18 17 0.00 0.21 13 0.00 0.24 8 2.61 2.10 85 Total Interest Bearing Deposits 0.60 0.76 31 1.00 1.03 47 1.25 1.40 36 1.80 1.98 37 3.03 2.87 58 Transaction accounts 0.25 0.31 48 0.44 0.41 62 0.60 0.54 64 0.53 0.66 49 0.88 1.09 44 Other Savings Deposits 0.22 0.36 29 0.47 0.50 49 0.57 0.70 40 0.78 0.92 44 1.83 1.56 67 Time Deps Over $100M 0.93 1.26 22 1.43 1.57 40 1.72 2.00 29 2.59 2.79 35 3.57 3.95 20 All Other Time Deposits 0.93 1.28 21 1.32 1.63 26 1.62 2.09 17 2.24 2.89 11 4.24 3.97 72 Foreign Office Deposits N/A 0.25 N/A N/A 0.23 N/A N/A 0.51 N/A N/A 0.81 N/A N/A 2.10 N/A

Federal Funds Purchased & Repos 0.00 0.55 17 0.00 0.61 15 0.18 0.78 19 0.59 0.91 39 1.77 2.32 25 Other Borrowed Money 3.73 2.56 73 3.59 2.69 66 3.59 3.09 57 3.45 3.13 49 3.30 3.67 32 Subord Notes & Debentures N/A 4.65 N/A N/A 4.86 N/A N/A 5.21 N/A N/A 4.65 N/A N/A 5.24 N/A All Interest-Bearing Funds 0.65 0.85 29 1.14 1.13 51 1.41 1.51 42 1.95 2.07 41 3.03 2.94 54

Non-interest Income & Expenses Fiduciary Activities 1,829 1,664 1,549 1,469 1,641 Deposit Service Charges 3,189 3,117 2,877 2,613 2,096 Trading, Vent Cap, Securtz Inc 0 0 0 0 0 Inv Banking, Advisory Inc 0 0 0 0 0 Insurance Comm & Fees 2 6 12 6 19 Net Servicing Fees 0 0 0 0 0 Loan & Lse Net Gains/Loss 306 111 1,856 390 301 Other Net Gains/Losses -1,412 -47 -454 59 79 Other Non-interest Income 3,471 4,998 5,732 5,066 1,428 Non-interest Income 7,385 9,849 11,572 9,603 5,564 Personnel Expense 11,092 10,070 9,323 8,207 6,299 Occupancy Expense 2,874 2,814 2,747 2,189 1,821 Goodwill Impairment 0 0 0 0 0 Other Intangible Amortiz 8 28 32 24 21 Other Oper Exp(incl Intangibles) 9,718 10,254 9,619 7,843 5,825 Non-Interest Expense 23,692 23,166 21,721 18,263 13,966 Domestic Banking Offices(#) 14 14 15 12 7 Foreign Branches (#) 0 0 0 0 0 Assets Per Domestic Office 35,984 40,189 35,358 41,384 50,177

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Balance Sheet $OCC Charter # 0 County: FOUR Balance Sheet $--Page 4Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year

Assets: Real Estate Loans 201,423 216,408 204,561 213,881 151,050 0.52 -6.92 Commercial Loans 58,977 72,325 72,882 69,657 63,901 -3.27 -18.46 Individual Loans 19,775 25,051 28,882 45,243 41,712 -9.46 -21.06 Agricultural Loans 11,529 16,559 27,024 24,665 24,374 -11.01 -30.38 Other LN&LS in Domestic Offices 11,652 9,884 15,431 9,913 10,958 -12.77 17.89 LN&LS in Foreign Offices N/A N/A N/A N/A N/A N/A N/A Loans Held for Sale 411 86 45 306 0 -42.19 377.91 Loans not Held for Sale 302,471 339,223 347,594 361,510 290,197 -1.85 -10.83 LN&LS Allowance 4,132 4,703 4,818 3,542 3,095 -1.31 -12.14 Net Loans & Leases 298,750 334,606 342,821 358,274 287,102 -1.95 -10.72 U.S. Treasury & Agency Securities 86,334 103,730 86,570 61,695 26,418 4.53 -16.77 Municipal Securities 3,399 3,681 7,433 13,247 7,998 -15.47 -7.66 Foreign Debt Securities 0 0 0 0 0 N/A N/A All Other Securities 4,336 4,096 0 0 0 21.56 5.86 Interest-Bearing Bank Balances 57,722 65,750 40,780 17,512 0 -24.56 -12.21 Federal Funds Sold & Resales 0 47 219 175 50 N/A -100.00 Trading Account Assets 0 0 0 0 0 N/A N/A Total Investments 151,791 177,304 135,002 92,629 34,466 -8.94 -14.39 Total Earning Assets 450,541 511,910 477,823 450,903 321,568 -4.43 -11.99

Nonint Cash & Due From Banks 31,449 24,417 23,297 16,342 13,766 12.77 28.80 Premises, Fix Assts, Cap Leases 8,314 9,013 8,764 5,113 4,013 -2.02 -7.76 Other Real Estate Owned 4,607 6,160 4,918 3,996 2,079 -27.38 -25.21 Dir & Indir Inv RE Ventures 0 0 0 0 0 N/A N/A Inv in Unconsolidated Subs 0 0 0 0 0 N/A N/A Acceptances & Oth Assets 8,866 11,146 15,572 20,263 9,816 -8.40 -20.46 Total Assets 503,777 562,646 530,374 496,617 351,242 -3.82 -10.46 Average Assets During Quarter 508,209 579,817 535,415 505,329 340,580 -3.02 -12.35

Liabilities: Demand Deposits 106,210 118,495 97,158 70,666 52,580 -11.24 -10.37 All Now & ATS Accounts 86,938 71,093 57,889 57,766 28,516 5.71 22.29 Money Market Deposit Accounts 62,837 68,412 63,067 56,158 53,743 -0.13 -8.15 Other savings Deposits 24,902 23,311 19,119 15,862 7,816 1.42 6.83 Time Deps At Or Below Insurance Limit 138,674 178,204 188,102 110,247 81,067 -6.53 -22.18 Less: Fully Insured Brokered Deposits 4,858 11,466 15,206 93 6,362 -15.40 -57.63 Core Deposits 414,703 448,049 410,129 310,606 217,360 -4.00 -7.44 Fully Insured Brokered Deposits 4,858 11,466 15,206 93 6,362 -15.40 -57.63 Time Deps Above Insurance Limit 25,110 34,338 31,570 99,343 76,515 -6.57 -26.87 Deposits in Foreign Offices 0 0 0 0 0 N/A N/A Total Deposits 444,672 493,854 456,905 410,042 300,237 -4.29 -9.96 Federal Funds Purch & Resale 0 0 0 0 0 N/A N/A Fed Home Loan Bor Mat < 1 Year 4 10,061 12,500 12,500 12,591 N/A -99.96 Fed Home Loan Bor Mat > 1 Year 166 287 10,614 23,443 5,767 -17.00 -42.16 Oth Borrowing Mat < 1 Year 0 0 0 0 0 N/A N/A Oth Borrowing Mat > 1 Year 0 0 0 0 0 N/A N/A Acceptances & Other Liabilities 2,235 1,769 2,012 3,224 2,960 2.48 26.34 Total Liabilities (Incl Mortg) 447,077 505,971 482,031 449,209 321,555 -4.26 -11.64 Subordinated Notes & Debentures 0 0 0 0 0 N/A N/A Total Bank Capital & Min Int 56,700 56,675 48,343 47,408 29,687 -0.18 0.04 Total Liabilities & Capital 503,777 562,646 530,374 496,617 351,242 -3.82 -10.46

Memoranda: Officers, Shareholder Loans (#) 4 5 4 3 3 Officers, Shareholder Loans ($) 8,852 10,207 13,614 14,883 10,642 -0.65 -13.28 Held-to-Maturity Securities 0 0 0 0 0 N/A N/A Available-for-Sale Securities 94,069 111,507 94,003 74,942 34,416 4.31 -15.64 All Brokered Deposits 4,858 11,466 15,206 1,000 6,362 -15.40 -57.63

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Off Balance Sheet ItemsOCC Charter # 0 County: FOUR Off Balance Sheet Items--Page 5Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year

Outstanding (% of Total) BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Home Equity (1-4 Family) 0.02 1.48 14 0.01 1.53 13 0.01 1.57 13 0.01 1.67 12 0.00 1.82 10 Credit Card 0.65 0.17 83 0.55 0.17 81 0.64 0.19 81 0.75 0.20 82 0.94 0.20 87 Commercial RE Secured by RE 6.38 1.83 95 2.45 1.52 76 2.98 1.48 85 0.76 1.78 25 1.67 2.89 33 1-4 Family Residential 0.69 0.46 72 0.79 0.34 82 0.06 0.35 26 0.16 0.40 36 0.27 0.69 32 Comml RE, Oth Const & Land 5.68 1.17 97 1.66 1.03 74 2.92 0.97 91 0.59 1.18 32 1.40 1.91 42 Commercial RE Not Secured by RE 0.00 0.00 87 0.00 0.00 86 0.00 0.01 85 0.00 0.01 81 0.00 0.02 80 All Other 5.20 5.81 50 5.20 5.47 52 4.71 5.27 50 5.65 5.26 60 7.51 5.81 69 Total LN&LS Commitments 12.24 10.13 67 8.21 9.48 43 8.34 9.33 44 7.17 9.76 33 10.11 11.74 40 Securities Underwriting 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

Standby Letters of Credit 0.27 0.32 53 0.12 0.35 27 0.21 0.38 40 0.17 0.42 32 0.17 0.54 25 Amount Conveyed to Others N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A 0.00 0.00 93 Commercial Letters of Credit 0.00 0.01 87 0.00 0.01 85 0.00 0.01 85 0.00 0.01 85 0.00 0.01 84

Assets Securitized or Sold w/Rec 0.00 0.25 80 0.00 0.23 81 0.00 0.22 82 0.00 0.14 84 0.00 0.12 84 Amount of Recourse Exposure 0.00 0.03 81 0.00 0.02 82 0.00 0.02 83 0.00 0.01 85 0.00 0.01 85

Credit Derivatives Bank as Guarantor 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.01 99 0.00 0.00 99 Credit Derivatives Bank as Beneficiary 0.00 0.03 99 0.00 0.01 99 0.00 0.00 99 0.00 0.01 99 0.00 0.01 99

All Oth Off-Balance Sheet Items 0.69 0.08 90 0.62 0.09 90 0.66 0.12 90 0.00 0.12 85 0.00 0.15 85

Off-Balance Sheet Items 13.20 11.76 62 8.95 11.09 41 9.21 11.13 42 7.34 11.41 26 10.29 13.61 33

Outstanding ($000) Home Equity (1-4 Family) 99 64 45 51 0 1.02 54.69 Credit Card 3,253 3,105 3,398 3,727 3,296 1.24 4.77 Commercial RE Secured by RE 32,125 13,761 15,818 3,750 5,866 -4.19 133.45 1-4 Family Residential 3,498 4,443 338 810 947 -6.55 -21.27 Commercial RE, Oth Const & Land 28,627 9,318 15,480 2,940 4,919 -3.89 207.22 Commercial RE Not Secured by RE 0 0 0 0 0 N/A N/A All Other 26,173 29,267 24,979 28,076 26,362 7.05 -10.57 Securities Underwriting 0 0 0 0 0 N/A N/A Memo: Unused Commit w/mat GT 1 YR 1,911 5,433 8,107 1,959 66 -52.25 -64.83

Standby Letters of Credit 1,364 648 1,124 850 604 27.96 110.49 Amount Conveyed to Others N/A N/A N/A N/A 0 N/A N/A Commercial Letters of Credit 0 0 0 0 0 N/A N/A

Assets Securitized or Sold w/recourse 0 0 0 0 0 N/A N/A Amount of Recourse Exposure 0 0 0 0 0 N/A N/A

Credit Derivatives Bank as Guarantor 0 0 0 0 0 N/A N/A Credit Derivatives Bank as Beneficiary 0 0 0 0 0 N/A N/A

All Oth Off-Balance Sheet Items 3,500 3,500 3,500 0 0 0.00 0.00

Off-Balance Sheet Items 66,514 50,345 48,864 36,454 36,128 1.00 32.12

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Derivative InstrumentsOCC Charter # 0 County: FOUR Derivative Instruments--Page 5APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Notional Amount ($000) Derivative Contracts 411 897 771 0 480 Interest Rate Contracts 411 897 771 0 73 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 407

Derivatives Position Future and Forwards 0 808 723 0 448 Written Options 411 89 48 0 32 Exchange Traded 0 0 0 0 0 Over-the-Counter 411 89 48 0 32 Purchased Options 0 0 0 0 0 Exchange Traded 0 0 0 0 0 Over-the-Counter 0 0 0 0 0 Swaps 0 0 0 0 0

Held-for-Trading 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0 Non-Traded 411 897 771 0 480 Interest Rate Contracts 411 897 771 0 73 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 407 Memo: Marked-to-Market 411 897 771 0 480

Derivative Contracts (RBC Def) 0 808 723 0 82 One Year or Less 0 808 723 0 82 Over 1 Year to 5 Years 0 0 0 0 0 Over 5 Years 0 0 0 0 0

Gross Negative Fair Value 0 0 0 0 0 Gross Positive Fair Value 0 0 0 0 0 Held-for-Trading 0 0 0 0 0 Non-Traded 0 0 0 0 0 Memo: Marked-to-Market 0 0 0 0 0 Curr Credit Exp on RBC Derivatives Contr 0 0 0 0 0 Credit Losses Off_BS Derivatives 0 0 0 0 0

Past Due Derivatives Instruments: Fair Value Carried as Assets 0 0 0 0 0

Impact Nontraded Derivatives Contracts: Increase (Decr) in Interest Inc N/A N/A N/A N/A N/A Increase (Decr) in Interest Exp N/A N/A N/A N/A N/A Increase (Decr) in Nonint ALLOC N/A N/A N/A N/A N/A Increase (Decr) in Net Income N/A N/A N/A N/A N/A

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Derivative AnalysisOCC Charter # 0 County: FOUR Derivative Analysis--Page 5BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Notional Amounts BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Interest Rate Contracts 100.00 98.60 99 100.00 98.33 99 100.00 97.18 99 N/A 97.91 N/A 15.21 82.28 4 Foreign Exchange Contracts 0.00 0.80 98 0.00 0.84 98 0.00 0.64 98 N/A 1.52 N/A 0.00 0.66 98 Equity, Comm & Oth Contracts 0.00 0.60 98 0.00 0.83 98 0.00 2.18 95 N/A 0.00 N/A 84.79 0.12 95

Derivatives Position Futures and Forwards 0.00 24.35 41 90.08 23.10 82 93.77 23.62 84 N/A 23.88 N/A 93.33 19.76 89 Written Options 100.00 23.47 99 9.92 22.58 42 6.23 23.49 40 N/A 23.72 N/A 6.67 25.58 36 Exchange Traded 0.00 0.00 99 0.00 0.39 99 0.00 0.29 99 N/A 0.61 N/A 0.00 0.57 98 Over-the-Counter 100.00 23.47 99 9.92 22.36 43 6.23 23.40 40 N/A 23.54 N/A 6.67 25.40 36 Purchased Options 0.00 0.02 94 0.00 0.16 93 0.00 0.28 92 N/A 0.59 N/A 0.00 1.88 89 Exchange Traded 0.00 0.37 99 0.00 0.75 98 0.00 0.59 99 N/A 1.18 N/A 0.00 0.58 99 Over-the-Counter 0.00 0.00 94 0.00 0.00 93 0.00 0.07 93 N/A 0.12 N/A 0.00 0.82 89 Swaps 0.00 7.14 73 0.00 6.23 72 0.00 6.63 74 N/A 5.71 N/A 0.00 7.83 72

Held-for-Trading 0.00 2.68 86 0.00 1.66 88 0.00 1.24 90 N/A 1.17 N/A 0.00 1.21 90 Interest Rate Contracts 0.00 2.68 86 0.00 1.66 88 0.00 1.24 90 N/A 1.16 N/A 0.00 1.21 90 Foreign Exchange Contracts 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 N/A 0.30 N/A 0.00 0.29 99 Equity, Comm & Oth Contracts 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 N/A 0.00 N/A 0.00 0.00 99 Non-Traded 100.00 7.20 99 100.00 6.27 99 100.00 6.40 99 N/A 4.79 N/A 100.00 9.52 99 Interest Rate Contracts 100.00 9.08 99 100.00 11.12 99 100.00 15.63 99 N/A 18.18 N/A 15.21 18.91 12 Foreign Exchange Contracts 0.00 0.80 98 0.00 0.84 98 0.00 0.64 98 N/A 1.21 N/A 0.00 0.37 98 Equity, Comm & Oth Contracts 0.00 0.60 98 0.00 0.83 98 0.00 2.18 95 N/A 0.00 N/A 84.79 0.12 95 Memo: Marked-to-Market 100.00 7.20 99 100.00 6.27 99 100.00 6.40 99 N/A 4.79 N/A 100.00 9.52 99

Derivative Contracts (RBC Def) 0.00 36.43 19 90.08 37.37 60 93.77 36.19 63 N/A 35.58 N/A 17.08 34.36 30 One Year or Less 0.00 22.87 39 90.08 23.55 80 93.77 23.41 84 N/A 24.47 N/A 17.08 20.67 55 Over 1 Year to 5 Years 0.00 5.37 82 0.00 7.09 81 0.00 6.07 81 N/A 5.16 N/A 0.00 7.52 77 Over 5 Years 0.00 7.21 76 0.00 5.34 80 0.00 5.67 81 N/A 4.85 N/A 0.00 5.19 85

Gross Negative Fair Value 0.00 0.58 53 0.00 0.72 57 0.00 0.60 51 N/A 0.59 N/A 0.00 0.86 48 Gross Positive Fair Value 0.00 0.68 42 0.00 0.63 45 0.00 0.58 40 N/A 0.57 N/A 0.00 0.74 42

By Tier One Capital: Gross Negative Fair Value (x) 0.00 0.00 85 0.00 0.00 87 0.00 0.00 86 0.00 0.00 87 0.00 0.00 85 Gross Positive Fair Value (x) 0.00 0.00 82 0.00 0.00 83 0.00 0.00 83 0.00 0.00 85 0.00 0.00 84 Held-for-Trading (x) 0.00 0.03 95 0.00 0.02 96 0.00 0.02 97 0.00 0.02 97 0.00 0.01 97 Non-Traded (x) 0.01 0.05 71 0.02 0.04 73 0.02 0.04 74 0.00 0.02 74 0.02 0.04 76 Non-Traded Marked-to-Mkt(x) 0.01 0.05 71 0.02 0.04 73 0.02 0.04 74 0.00 0.02 74 0.02 0.04 76 Current Credit Exposure (x) 0.00 0.00 91 0.00 0.00 92 0.00 0.00 92 0.00 0.00 93 0.00 0.00 91 Credit Losses on Derivatives 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

Past Due Derivative Instruments: Fair Value Carried as Assets 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

Other Ratios: Cur Credit Exposure/Risk WT AST 0.00 0.00 91 0.00 0.00 91 0.00 0.00 92 0.00 0.00 92 0.00 0.00 91 Credit Losses on Derivatives/CR Allow 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.02 99 Impact Nontraded Derivatives Contracts: Incr(Dec) Interest Inc/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Interest Exp/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Nonint ALLOC/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Net Income/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Balance Sheet %OCC Charter # 0 County: FOUR Balance Sheet Percentage Composition--Page 6Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Average Assets BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Loans Held For Sale 0.09 0.28 55 0.02 0.19 48 0.05 0.21 51 0.03 0.18 53 0.03 0.12 56 Loans Not Held For Sale 59.21 62.78 36 60.54 64.47 34 70.43 67.52 56 74.42 70.54 58 77.59 72.22 64 Less: LN&LS Allowance 0.81 1.12 25 0.85 1.22 26 0.80 1.24 20 0.75 1.13 21 0.96 0.92 59 Net Loans & Leases 58.49 62.60 35 59.71 63.82 34 69.68 66.81 56 73.70 69.85 59 76.66 71.59 63

Interest-Bearing Bank Balances 13.55 5.64 88 12.69 5.13 89 5.13 4.27 62 5.53 2.35 82 0.00 0.59 10 Federal Funds Sold & Resales 0.01 0.52 48 0.04 0.68 45 0.04 0.87 39 0.03 1.19 23 3.12 1.46 80 Trading Account Assets 0.00 0.01 96 0.00 0.01 97 0.00 0.02 97 0.00 0.04 97 0.00 0.09 95 Held-to-Maturity Securities 0.00 0.68 60 0.00 0.71 60 0.00 0.78 58 0.00 1.09 54 0.00 1.16 53 Available-for-Sale Securities 18.37 19.93 50 18.10 18.88 52 15.66 16.56 51 12.58 15.23 45 11.76 14.83 42

Total Earning Assets 90.42 92.00 26 90.55 91.72 31 90.51 91.63 31 91.85 91.87 47 91.54 91.87 41

Nonint Cash & Due From Banks 4.87 1.96 96 4.27 1.82 95 3.72 1.78 92 3.28 2.03 87 4.10 2.37 92 Premises, Fix Assts & Cap Leases 1.61 1.74 46 1.57 1.78 43 1.41 1.82 37 1.06 1.88 24 1.25 1.92 28 Other Real Estate Owned 1.20 0.70 76 0.98 0.82 65 0.79 0.76 61 0.69 0.52 67 0.53 0.24 81 Dir & Indir Inv RE Ventures 0.00 0.01 95 0.00 0.01 95 0.00 0.01 95 0.00 0.00 91 0.00 0.00 91 Inv in Unconsolidated Subs 0.00 0.00 86 0.00 0.00 86 0.00 0.00 86 0.00 0.00 86 0.00 0.00 88 Acceptances & Other Assets 1.90 3.12 24 2.64 3.31 36 3.57 3.49 53 3.13 3.26 48 2.59 3.25 36 Total Non-Earning Assets 9.58 8.00 73 9.45 8.28 68 9.49 8.37 68 8.15 8.13 52 8.46 8.13 58 Total Assets 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Standby Letters of Credit 0.16 0.34 34 0.16 0.37 32 0.16 0.41 28 0.17 0.47 27 0.19 0.59 24

Liabilities Demand Deposits 21.23 9.19 91 20.36 7.94 93 16.47 6.86 94 14.01 6.33 92 16.24 6.46 95 All NOW & ATS Accounts 14.97 6.23 89 11.98 5.64 84 11.27 5.03 86 9.20 4.48 84 8.64 3.97 87 Money Market Deposit Accounts 11.88 18.36 34 11.79 17.73 35 11.44 16.37 37 12.35 15.58 45 15.52 15.59 56 Other Savings Deposits 4.51 15.35 24 3.80 14.20 22 3.38 13.05 22 2.89 11.92 21 2.28 11.53 18 Time Deps At or Below Insurance Limit 29.61 26.10 65 33.18 29.04 65 30.58 29.83 54 24.14 22.28 56 23.67 22.56 53 Less: Fully Insured Brokered Deposits 1.52 1.89 63 2.75 2.44 66 1.38 3.20 52 0.29 3.98 37 0.38 3.84 39 Core Deposits 80.68 76.88 65 78.36 75.37 57 71.76 70.80 48 62.30 59.05 58 65.97 58.65 70 Fully Insured Brokered Deposits 1.52 1.89 63 2.75 2.44 66 1.38 3.20 52 0.29 3.98 37 0.38 3.84 39 Time Deps Above Insurance Limit 5.69 4.42 70 5.76 4.80 68 10.40 7.60 77 20.82 16.98 71 21.44 15.79 78 Deposits in Foreign Offices 0.00 0.07 99 0.00 0.10 98 0.00 0.11 98 0.00 0.11 98 0.00 0.21 98 Total Deposits 87.88 84.43 74 86.87 83.91 68 83.53 83.10 48 83.41 81.89 56 87.79 80.38 87

Federal Funds Purch & Repos 0.00 1.08 41 0.00 1.27 38 0.65 1.35 52 0.00 1.52 29 0.24 1.95 28 Total Fed Home Loan Borrowings 1.16 2.53 44 3.51 3.04 59 5.76 3.88 66 7.24 4.93 67 1.98 5.71 26 Total Other Borrowings 0.00 0.01 80 0.00 0.03 67 0.00 0.07 63 0.00 0.14 59 0.01 0.11 63 Memo: Sht Ter N Core Funding 7.56 7.13 60 12.12 9.57 71 20.81 17.57 67 20.92 20.53 54 20.39 20.36 55

Acceptances & Other Liabilities 0.39 0.63 31 0.35 0.63 23 0.52 0.64 42 0.80 0.69 67 1.04 0.74 81 Total Liabilities (Incl Mortg) 89.44 89.65 41 90.73 89.96 63 90.45 90.27 48 91.46 90.62 64 91.06 90.45 55

Subordinated Notes & Debentures 0.00 0.03 96 0.00 0.05 95 0.00 0.00 94 0.00 0.00 94 0.00 0.00 93 Total Bank Capital & Min Int 10.56 10.32 59 9.27 9.99 37 9.55 9.68 52 8.55 9.32 37 8.94 9.49 45 Total Liabilities & Capital 100.00 100.00 96 100.00 100.00 97 100.00 100.00 96 100.00 100.00 96 100.00 100.00 97

Memo: All Brokered Deposits 1.52 2.05 61 2.75 2.64 64 1.41 3.68 49 0.33 4.97 33 0.38 4.20 37 Insured Brokered Deposits 1.52 1.89 63 2.75 2.44 66 1.71 3.36 54 0.29 3.98 37 0.38 3.84 39

Loans HFS as a % Loans 0.16 0.45 54 0.04 0.30 48 0.07 0.31 51 0.04 0.26 52 0.04 0.17 55

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Allowance & Loan Mix-aOCC Charter # 0 County: FOUR Analysis of Credit Allowance and Loan Mix--Page 7Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Analysis Ratios BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Loss Provision to Average Assets 0.01 0.30 10 0.11 0.53 14 0.61 0.80 52 0.87 1.12 52 0.47 0.62 55 Recoveries to Prior Credit Loss 26.52 16.10 76 11.52 12.60 58 12.62 10.79 67 11.63 17.41 47 18.32 30.09 43

Net Loss to Average Total LN&LS 0.20 0.51 36 0.22 0.80 24 0.51 1.01 39 1.03 1.12 60 0.70 0.53 71 Gross Loss to Average Total LN&LS 0.29 0.62 36 0.30 0.91 26 0.64 1.11 43 1.09 1.20 59 0.77 0.58 71 Recoveries to Average Total LN&LS 0.08 0.09 61 0.08 0.09 58 0.12 0.08 76 0.07 0.06 67 0.07 0.05 75

LN&LS Allowance to LN&LS Not HFS 1.37 1.77 30 1.39 1.93 26 1.39 1.97 25 0.98 1.87 5 1.07 1.43 24 LN&LS Allowance to Total LN&LS 1.36 1.74 31 1.39 1.90 27 1.39 1.94 26 0.98 1.85 6 1.07 1.42 25 LN&LS Allowance to Net Losses (X) 6.43 7.41 63 6.33 4.85 74 2.51 3.72 52 1.02 3.28 19 1.71 5.96 23 LN&LS Allowance to Nonaccrual LN&LS (X) 0.77 1.76 35 1.08 1.33 58 0.58 1.22 35 0.25 1.13 5 0.94 1.69 48

Earnings Coverage of Net Losses (X) 6.54 11.79 53 9.43 7.50 73 5.55 5.56 67 2.27 4.74 49 2.84 9.99 32

Net Losses by Type of LN&LS Real Estate Loans 0.12 0.45 33 0.07 0.74 16 0.27 0.91 31 0.13 0.97 21 0.34 0.39 64 Loans to Finance Comml Real Estate N/A 0.00 N/A N/A 0.03 N/A N/A 0.73 N/A N/A 0.27 N/A N/A 0.00 N/A Construction & Land Development 0.00 1.06 46 0.07 1.99 39 0.14 2.59 33 0.00 2.46 27 0.00 0.86 40 1-4 Family Construction 0.00 0.46 74 0.00 1.36 63 0.00 1.69 54 0.00 2.35 45 0.00 0.81 58 Other Construction & Land 0.00 1.05 53 0.08 1.92 46 0.18 2.46 43 0.00 2.14 38 0.00 0.71 54 Secured by Farmland 0.00 0.04 84 0.00 0.05 82 0.00 0.06 80 0.00 0.02 86 0.00 0.00 92 Single & Multifamily Mortgage -0.01 0.40 4 0.05 0.61 20 0.22 0.68 37 0.00 0.65 12 0.00 0.26 24 Home Equity Loans 0.00 0.30 53 0.00 0.45 49 0.00 0.44 47 0.00 0.43 47 N/A 0.15 N/A 1-4 Family Non-Revolving -0.01 0.40 6 0.06 0.63 23 0.24 0.70 40 0.00 0.69 15 0.00 0.25 29 Multifamily Loans 0.00 0.16 81 0.00 0.32 75 0.00 0.39 74 0.00 0.28 78 0.00 0.05 88 Non-Farm Non-Residential Mtg 0.21 0.34 56 0.09 0.47 37 0.37 0.49 55 0.22 0.35 57 0.59 0.12 89 Owner Occupied Nonfarm Nonresidential 0.50 0.27 77 0.18 0.37 56 0.00 0.39 4 -0.01 0.27 3 0.88 0.08 94 Other Nonfarm Nonresidential 0.00 0.32 51 0.00 0.48 44 0.72 0.47 74 0.47 0.34 74 0.00 0.10 69 RE Loans in Foreign Offices N/A 0.07 N/A N/A 0.00 N/A N/A -85.65 N/A N/A 41.86 N/A N/A 0.00 N/A

Agricultural Loans -0.74 0.01 1 0.49 0.02 94 -0.11 0.06 2 0.11 0.05 84 -0.01 0.01 8 Commercial and Industrial Loans 0.09 0.65 38 0.64 0.97 55 0.93 1.17 58 3.96 1.44 86 0.74 0.70 65 Lease Financing 4.89 0.01 97 -0.57 0.00 5 1.33 0.11 92 2.65 0.41 90 2.62 0.14 92 Loans to Individuals 0.45 0.57 55 0.30 0.69 41 0.92 0.97 60 0.85 1.24 46 0.86 0.86 57 Credit Card Plans 0.54 1.62 35 1.20 2.00 45 6.26 2.59 86 1.70 3.12 39 2.72 2.42 63

All Other Loans & Leases -0.49 0.25 2 0.34 0.20 82 0.43 0.27 80 0.15 0.43 70 1.52 0.27 89 Loans to Foreign Governments N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Change: Credit Allowance ($000) Beginning Balance 4,703 4,818 3,542 3,095 3,353 Gross Credit Losses 913 1,018 2,387 3,701 1,986 Memo: Loans HFS Write-down 0 0 0 0 0 Recoveries 270 275 467 231 181 Net Credit Losses 643 743 1,920 3,470 1,805

Provision: Loan & Lease Losses 72 628 3,196 3,917 1,547 Other Adjustments 0 0 0 0 0 LN&LS Allowance 4,132 4,703 4,818 3,542 3,095

Average Total Loans & Leases 317,945 343,658 374,067 338,234 258,723

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Allowance & Loan Mix-bOCC Charter # 0 County: FOUR Analysis of Credit Allowance and Loan Mix--Page 7APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Loan Mix, % Average Gross LN&LS BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Construction & Development 8.43 6.89 65 8.26 7.95 58 7.10 9.68 42 7.62 12.70 33 5.32 15.25 19 1-4 Family Construction 1.89 1.40 69 1.61 1.52 58 1.55 2.02 47 1.32 3.11 29 0.78 4.44 14 Other Const & Land Development 6.53 5.17 65 6.65 6.08 60 5.54 7.33 44 6.30 9.17 40 4.54 10.27 27 1-4 Family Residential 12.10 25.16 17 12.47 24.39 18 12.09 24.09 16 10.53 23.82 14 9.14 22.52 14 Home Equity Loans 0.03 3.24 11 0.04 3.43 11 0.04 3.47 11 0.05 3.48 11 0.00 3.16 8 Other Real Estate Loans 44.06 41.92 57 40.37 41.98 45 38.77 40.45 45 39.62 37.74 59 37.81 35.51 60 Farmland 4.80 3.52 68 5.91 3.39 74 5.87 3.08 75 6.35 2.64 80 8.00 2.32 86 Multifamily 1.16 3.04 25 0.78 2.94 18 0.78 2.77 19 0.52 2.57 14 0.03 2.32 4 Non-Farm Non-Residential 38.09 33.38 63 33.68 33.71 50 32.11 32.74 49 32.75 30.84 58 29.78 29.31 54 Owner Occupied Non-Farm Non-Residential 15.94 16.57 48 16.14 16.88 48 15.51 16.35 47 16.83 15.34 61 19.82 14.36 78 Other Non-Farm Non-Residential 22.16 16.06 73 17.54 16.15 58 16.60 15.69 57 15.92 14.78 58 9.96 14.31 33 Total Real Estate 64.58 76.58 20 61.10 77.02 14 57.95 77.23 10 57.76 77.54 9 52.26 76.89 6

Financial Institution Loans 0.00 0.00 93 0.00 0.00 92 0.00 0.00 93 0.00 0.00 92 0.00 0.00 92 Agricultural Loans 4.16 2.09 79 6.26 2.00 83 7.27 1.79 86 7.25 1.54 88 8.84 1.40 91 Commercial & Industrial Loans 19.27 13.63 77 20.21 13.38 80 18.54 13.30 77 19.10 13.41 77 23.04 14.09 84 Loans to Individuals 7.09 3.43 83 7.67 3.51 84 11.91 3.73 91 12.05 3.77 91 11.04 3.92 89 Credit Card Loans 0.17 0.07 80 0.16 0.07 79 0.15 0.07 78 0.15 0.07 78 0.19 0.07 80 Municipal Loans 1.23 0.57 78 1.10 0.59 75 0.62 0.54 69 0.74 0.51 72 0.81 0.44 76 Foreign Office Loans & Leases 0.00 0.07 98 0.00 0.06 99 0.00 0.05 99 0.00 0.05 99 0.00 0.08 99 All Other Loans 1.56 0.29 90 1.76 0.28 92 1.66 0.30 91 0.33 0.31 71 0.43 0.32 73 Lease Financing Receivables 2.10 0.05 96 1.90 0.05 97 2.05 0.05 97 2.76 0.05 97 3.58 0.06 97

Supplemental: Loans to Foreign Governments 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Loans to Finance Comml Real Est 0.00 0.10 70 0.00 0.12 69 0.00 0.13 69 0.00 0.16 66 0.00 0.15 67

Memorandum (% of Avg Tot Loans): Loans & Lease Commitments 20.81 16.65 70 13.96 15.33 45 12.89 14.34 45 9.81 14.46 29 13.21 16.71 35 Officer, Shareholder Loans 2.99 1.67 76 3.09 1.61 77 3.97 1.60 86 4.10 1.61 86 3.96 1.68 85 Officer, Shareholder Loans to Assets 1.76 0.96 75 1.81 1.00 76 2.57 1.06 85 3.00 1.11 87 3.03 1.19 86

Other Real Estate Owned % Assets Construction & Land Development 0.50 0.28 75 0.34 0.35 63 0.37 0.33 65 0.26 0.24 66 0.00 0.09 44 Farmland 0.00 0.00 82 0.00 0.00 81 0.00 0.00 81 0.00 0.00 87 0.00 0.00 91 1-4 Family 0.13 0.11 68 0.14 0.14 63 0.02 0.13 27 0.09 0.10 59 0.06 0.05 68 Multifamily 0.00 0.01 77 0.00 0.01 74 0.00 0.01 73 0.00 0.01 80 0.00 0.00 86 Non-Farm Non-Residential 0.56 0.21 84 0.49 0.23 80 0.39 0.18 79 0.34 0.10 86 0.47 0.04 97 Foreclosed GNMA 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Subtotal 1.20 0.70 76 0.98 0.82 65 0.79 0.76 61 0.69 0.52 67 0.53 0.24 81 Direct and Indirect Inv 0.00 0.01 95 0.00 0.01 95 0.00 0.01 95 0.00 0.00 91 0.00 0.00 91 Total 1.20 0.71 76 0.98 0.88 64 0.79 0.77 61 0.69 0.53 67 0.53 0.25 80

Asset Servicing % Assets Mortgage Servicing w/ Recourse 0.00 0.06 88 0.00 0.05 88 0.00 0.04 89 0.00 0.02 91 0.00 0.02 91 Mortgage Servicing w/o Recourse 0.00 3.21 70 0.00 2.81 71 0.00 2.45 72 0.00 2.23 73 0.00 1.64 73 Other Financial Assets 0.00 0.26 86 0.00 0.28 86 0.00 0.30 86 0.00 0.28 86 0.00 0.26 87 Total 0.00 4.94 60 0.00 4.50 61 0.00 4.22 63 0.00 3.62 64 0.00 3.01 64

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Concentrations of CreditOCC Charter # 0 County: FOUR Analysis of Concentrations of Credit--Page 7BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Loan & Leases as a % of Total Capital BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Construction & Development 45.85 41.06 60 51.72 47.28 61 50.60 60.61 50 54.25 84.93 39 50.51 111.47 28 1-4 Family Construction 7.59 8.79 54 11.89 9.06 68 9.26 11.36 51 12.10 17.91 45 5.56 29.48 16 Other Const & Land Development 38.26 30.42 64 39.83 36.14 61 41.34 46.58 53 42.15 63.48 42 44.95 78.35 38 1-4 Family Residential 61.51 157.94 14 74.29 160.13 19 83.18 168.53 20 90.24 180.61 20 71.83 174.60 15 Home Equity Loans 0.11 19.91 11 0.21 22.60 11 0.26 25.22 12 0.40 27.49 11 0.00 26.28 9 Other Real Estate Loans 252.68 259.26 49 259.43 270.93 49 257.13 282.38 44 293.85 291.43 54 319.36 279.58 64 Farmland 27.17 21.58 68 28.69 21.05 68 42.26 20.82 77 43.10 19.72 78 60.98 17.80 86 Multifamily 13.56 19.45 45 4.64 19.94 17 5.28 20.21 20 6.02 20.53 21 1.23 17.73 9 Non-Farm Non-Residential 211.96 205.09 55 226.10 217.93 56 209.58 228.29 47 244.73 238.11 54 257.15 230.43 62 Owner Occupied Non-Farm Non-Residential 88.44 101.44 44 99.24 108.76 47 106.40 113.46 48 116.68 118.77 51 123.86 112.76 59 Other Non-Farm Non-Residential 123.52 100.47 65 126.86 105.77 64 103.18 111.00 52 128.04 115.86 60 133.29 112.52 64 Total Real Estate 360.04 470.30 24 385.44 487.11 28 390.91 524.80 23 438.34 569.83 24 441.71 591.13 21

Financial Institution Loans 0.00 0.00 94 0.00 0.00 94 0.00 0.00 94 0.00 0.68 95 0.00 0.77 95 Agricultural Loans 20.61 12.26 76 29.49 11.88 82 51.64 11.30 88 50.55 11.06 88 71.28 9.98 92 Commercial & Industrial Loans 97.43 85.16 65 121.83 86.19 75 132.87 90.55 77 138.14 97.36 76 179.42 104.14 84 Loans to Individuals 35.35 19.47 81 44.62 20.56 86 55.19 23.16 87 92.72 26.05 93 121.98 27.22 95 Credit Card Loans 0.94 0.40 79 0.94 0.41 78 1.06 0.47 78 1.11 0.50 78 1.46 0.48 81 Municipal Loans 7.99 3.26 80 6.99 3.47 76 6.40 3.58 74 4.62 3.65 69 7.44 3.25 79 Foreign Office Loans & Leases 0.00 0.31 99 0.00 0.32 99 0.00 0.24 99 0.00 0.24 99 0.00 0.42 99 All Other Loans 8.69 1.80 89 7.23 1.73 87 15.55 1.98 93 2.87 2.08 75 2.68 2.31 71 Lease Financing Receivables 12.14 0.23 96 10.38 0.27 96 13.94 0.29 97 17.45 0.34 97 29.36 0.44 98

Supplemental: Loans to Foreign Governments 0.00 0.00 99 0.00 0.00 99 0.00 0.01 99 0.00 0.00 99 0.00 0.04 99 Loans to Finance Commercial Real Estate 0.00 0.60 73 0.00 0.72 72 0.00 0.79 72 0.00 0.99 70 0.00 1.05 71

Commercial Real Estate Loans as a % of Total Capital: Non-owner OCC Commercial Real Estate 182.93 169.04 57 183.22 181.87 54 159.07 202.85 40 188.32 233.72 41 185.03 260.09 34 Total Commercial Real Estate 271.36 274.35 50 282.46 293.70 49 265.47 321.04 38 305.00 356.34 41 308.90 380.15 36

Commercial Real Estate Loans as a % of Total LN&LS: Construction & Development 8.47 6.63 67 8.56 7.33 62 7.62 8.80 49 7.32 11.33 36 5.95 14.47 22 Non-owner OCC Commercial Real Estate 33.79 27.35 68 30.32 28.33 57 23.94 29.52 37 25.40 31.41 36 21.80 33.71 25 Total Commercial Real Estate 50.12 44.74 61 46.74 46.32 50 39.96 47.34 34 41.13 48.39 34 36.40 49.54 24

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX PD, Nonacc & Rest Loans-aOCC Charter # 0 County: FOUR Analysis of Past Due, Nonaccrual & Restructured--Page 8Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 % of Non-Current LN&LS by Loan Type BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Real Estate LNS-90+ Days P/D 1.40 0.06 98 0.74 0.08 95 1.66 0.11 98 2.64 0.14 98 0.00 0.14 43 -Nonaccrual 2.43 2.13 65 1.78 2.95 43 3.71 3.43 63 5.95 3.32 79 0.34 2.06 19 -Total 3.83 2.28 78 2.51 3.10 52 5.37 3.61 74 8.60 3.55 87 0.35 2.29 15 -30-89 DAYS P/D 0.46 0.87 39 3.38 1.00 93 0.70 1.21 40 2.87 1.41 84 0.23 1.41 12

LNS Fin Coml RE-90+ Days P/D N/A 0.01 N/A N/A 0.00 N/A N/A 0.02 N/A N/A 0.29 N/A N/A 0.00 N/A -Nonaccrual N/A 0.93 N/A N/A 0.84 N/A N/A 0.00 N/A N/A 0.03 N/A N/A 0.99 N/A -Total N/A 0.94 N/A N/A 0.84 N/A N/A 0.00 N/A N/A 0.05 N/A N/A 0.99 N/A -30-89 DAYS P/D N/A 0.07 N/A N/A 0.51 N/A N/A 0.17 N/A N/A 0.00 N/A N/A 0.00 N/A

Const & Land Dev-90+ Days P/D 0.00 0.01 90 2.01 0.02 97 2.49 0.06 96 7.74 0.09 99 0.00 0.11 75 -Nonaccrual 6.49 5.11 68 6.00 7.78 56 16.69 8.62 76 25.11 8.26 88 0.00 4.60 26 -Total 6.49 5.33 67 8.01 8.02 60 19.18 8.91 78 32.85 8.58 92 0.00 4.97 23 -30-89 DAYS P/D 0.00 0.49 56 2.29 0.68 85 0.17 0.91 50 7.86 1.41 93 0.00 1.64 30

1-4 Fam Cons & L Dev-90+ Days P/D 0.00 0.18 97 0.00 0.25 96 0.00 0.01 93 0.00 0.04 90 0.00 0.08 87 -Nonaccrual 0.00 1.49 76 0.00 4.21 63 33.15 6.25 89 43.96 6.93 94 0.00 4.34 50 -Total 0.00 1.67 74 0.00 4.47 62 33.15 6.54 89 43.96 7.33 94 0.00 4.80 46 -30-89 DAYS P/D 0.00 0.22 84 0.00 0.25 81 0.95 0.56 80 0.68 1.16 68 0.00 1.66 54

Other Const & Land Dev-90+ Days P/D 0.00 0.00 91 2.61 0.01 97 3.05 0.03 97 9.97 0.05 99 0.00 0.06 82 -Nonaccrual 7.78 5.51 70 7.79 8.07 60 13.00 8.37 69 19.69 8.06 81 0.00 4.12 37 -Total 7.78 5.72 69 10.40 8.31 65 16.05 8.65 74 29.66 8.35 90 0.00 4.43 34 -30-89 DAYS P/D 0.00 0.43 61 2.97 0.66 88 0.00 0.79 51 9.92 1.23 94 0.00 1.35 43

Single & Multi Mtg-90+ Days P/D 2.16 0.07 99 0.78 0.09 94 1.78 0.11 98 0.57 0.12 88 0.03 0.12 58 -Nonaccrual 0.83 1.43 42 1.08 1.92 44 2.40 2.09 65 1.91 1.92 63 0.33 1.11 35 -Total 2.99 1.59 79 1.86 2.09 55 4.18 2.27 78 2.48 2.13 66 0.36 1.31 28 -30-89 DAYS P/D 1.56 1.11 68 2.97 1.12 88 1.09 1.29 49 2.77 1.48 79 1.24 1.34 52

Non-Farm Non-Res Mtg-90+ Days P/D 1.60 0.03 97 0.46 0.04 93 1.67 0.05 98 2.79 0.07 98 0.00 0.07 73 -Nonaccrual 2.43 1.82 67 1.28 2.33 42 1.51 2.45 46 4.06 2.10 78 0.04 1.08 27 -Total 4.04 1.94 79 1.74 2.44 47 3.19 2.59 63 6.85 2.27 88 0.04 1.24 22 -30-89 DAYS P/D 0.15 0.63 40 3.90 0.69 93 0.57 0.86 53 0.88 0.95 58 0.00 0.87 19

Own Occ Non-Farm Non-Res-90+ Days P/D 3.84 0.01 99 0.32 0.03 91 3.21 0.03 98 3.33 0.05 98 0.00 0.04 82 -Nonaccrual 3.91 1.65 81 1.21 2.00 49 1.24 2.11 51 6.41 1.81 88 0.08 0.97 41 -Total 7.76 1.77 92 1.53 2.11 52 4.46 2.26 77 9.74 1.95 94 0.08 1.11 37 -30-89 DAYS P/D 0.20 0.63 49 3.51 0.71 91 1.11 0.80 70 1.67 0.91 76 0.00 0.91 33

Other Non-Farm Non-Res-90+ Days P/D 0.00 0.01 91 0.57 0.01 95 0.09 0.01 90 2.30 0.04 97 0.00 0.05 84 -Nonaccrual 1.37 1.66 61 1.33 2.33 53 1.79 2.36 56 1.92 2.03 62 0.00 0.91 48 -Total 1.37 1.76 59 1.91 2.46 56 1.88 2.49 56 4.22 2.23 75 0.00 1.08 43 -30-89 DAYS P/D 0.12 0.45 59 4.20 0.48 94 0.00 0.71 48 0.15 0.82 50 0.00 0.69 45

Non-Current LN&LS ($000) 90 Days and Over Past Due 4,150 1,735 3,546 5,797 38 Total Nonaccrual LN&LS 5,379 4,361 8,271 14,442 3,280 Total Non-Current LN&LS 9,529 6,096 11,817 20,239 3,318 LN&LS 30-89 Days Past Due 2,517 8,675 3,484 9,931 1,685

Gtyd LN&LS 90+ Days P/D 1,860 1,116 1,120 3,960 0 Gtyd LN&LS on Nonaccrual 4,557 3,807 5,291 7,172 0 Gtyd LN&LS 30-89 Days P/D 236 1,490 186 2,166 0

Restructured LN&LS 90+ Days P/D 121 1,114 0 0 0 Restructured LN&LS Nonaccrual 3,136 1,690 0 0 0 Restructured LN&LS 30-89 Days P/D 0 0 0 0 0

Current 1-4 Family Restru LN&LS 1 8 0 0 0 Current Other Restructured LN&LS 2,999 3,921 0 0 0 Loans Secured 1-4 RE in Foreclosure 0 0 0 0 0 Other Real Estate Owned 4,607 6,160 4,918 3,996 2,079

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX PD, Nonacc & Rest Loans-bOCC Charter # 0 County: FOUR Analysis of Past Due, Nonaccrual & Restructured--Page 8APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 % of Non-Current LN&LS by Loan Type BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Coml & Indust LNS-90+ Days P/D 1.89 0.03 98 0.10 0.03 85 0.13 0.06 83 0.13 0.08 78 0.01 0.08 65 -Nonaccrual 0.88 1.11 60 0.72 1.58 48 0.95 1.73 50 1.55 1.54 62 4.50 0.87 93 -Total 2.77 1.22 79 0.82 1.68 48 1.08 1.91 49 1.69 1.73 61 4.52 1.05 92 -30-89 DAYS P/D 1.26 0.59 79 0.55 0.63 58 1.40 0.81 75 3.99 1.04 90 0.82 1.06 53

Loans to Individuals-90+ Days P/D 0.59 0.04 94 0.30 0.05 89 0.13 0.06 79 0.10 0.08 74 0.02 0.09 60 -Nonaccrual 0.00 0.24 44 0.10 0.32 51 0.09 0.35 50 0.00 0.36 37 0.00 0.28 40 -Total 0.59 0.36 75 0.40 0.44 61 0.23 0.47 48 0.10 0.51 35 0.02 0.43 30 -30-89 DAYS P/D 3.19 0.92 90 2.46 1.03 82 1.76 1.16 69 1.62 1.40 62 0.89 1.46 38

Credit Card Plans-90+ Days P/D 0.19 0.25 69 0.38 0.37 72 3.96 0.38 95 1.66 0.47 85 2.61 0.49 92 -Nonaccrual 0.00 0.00 93 0.00 0.00 94 0.00 0.00 94 0.00 0.01 91 0.00 0.01 92 -Total 0.19 0.31 65 0.38 0.49 68 3.96 0.47 94 1.66 0.64 82 2.61 0.64 88 -30-89 DAYS P/D 1.90 1.03 76 1.70 1.16 71 3.60 1.12 90 3.50 1.49 82 3.61 1.58 82

Lease Financing-90+ Days P/D 1.33 0.43 98 0.00 0.11 96 0.00 0.17 95 0.00 0.00 93 0.00 0.01 91 -Nonaccrual 0.00 0.02 89 0.00 0.04 87 0.00 0.10 84 6.65 0.18 95 0.00 0.13 84 -Total 1.33 0.04 94 0.00 0.05 86 0.00 0.15 83 6.65 0.28 95 0.00 0.24 81 -30-89 DAYS P/D 0.37 0.07 87 4.50 0.04 97 3.22 0.13 96 3.29 0.27 92 1.07 0.35 84

Agricultural LNS-90+ Days P/D 0.92 0.00 99 0.00 0.02 95 0.00 0.00 92 0.00 0.00 91 0.00 0.00 92 -Nonaccrual 0.00 0.04 82 0.00 0.06 81 0.00 0.13 78 0.00 0.11 78 0.00 0.03 83 -Total 0.92 0.06 92 0.00 0.08 79 0.01 0.16 76 0.00 0.16 75 0.00 0.05 79 -30-89 DAYS P/D 2.25 0.06 97 0.67 0.05 92 0.55 0.10 87 0.31 0.15 80 1.40 0.12 93

Other LN&LS-90+ Days P/D 0.51 0.00 97 0.00 0.00 91 0.00 0.00 89 0.00 0.02 85 0.00 0.01 86 -Nonaccrual 0.00 0.07 79 0.00 0.10 78 0.00 0.13 77 0.33 0.15 84 0.00 0.05 81 -Total 0.51 0.11 88 0.00 0.14 73 0.01 0.19 72 0.33 0.26 80 0.00 0.11 73 -30-89 DAYS P/D 1.24 0.12 92 0.45 0.11 86 0.85 0.19 87 0.27 0.26 73 1.23 0.22 88

Total LN&LS-90+ Days Past Due 1.37 0.07 98 0.51 0.08 92 1.02 0.11 96 1.60 0.15 97 0.01 0.15 37 -Nonaccrual 1.77 1.91 58 1.28 2.64 36 2.37 3.06 51 3.97 2.96 71 1.12 1.84 46 -Total 3.14 2.06 76 1.79 2.79 44 3.39 3.24 62 5.57 3.18 80 1.14 2.07 40 -30-89 DAYS P/D 0.83 0.90 57 2.55 0.97 90 1.00 1.18 52 2.73 1.42 83 0.58 1.43 26

Other Pertinent Ratios: Non-Cur LN&LS to-LN&LS Allowance 230.61 115.05 85 129.62 139.20 52 245.27 154.02 78 571.40 162.11 97 107.21 137.72 45 -Equity Capital 16.81 12.73 72 10.76 18.53 44 24.44 23.76 65 42.69 25.73 78 11.18 16.79 49 % Total P/D LN&LS-Incl Nonaccrual 3.97 3.07 71 4.34 3.84 65 4.39 4.52 59 8.30 4.75 81 1.71 3.62 27 Non Curr LNS+OREO to LNS+OREO 4.60 3.20 73 3.55 4.21 54 4.75 4.62 61 6.63 4.27 76 1.85 2.63 48 Non-Curr Restruct Debt/Gr LN&LS 1.07 0.50 79 0.82 0.57 70 0.00 0.42 50 0.00 0.19 63 0.00 0.02 82 Curr+Non-Curr Restruct/GR LN&LS 2.06 1.49 69 1.98 1.71 63 0.00 1.35 21 0.00 0.86 35 0.00 0.13 62 Current Restruct LN&LS 0.99 0.91 61 1.16 1.04 62 0.00 0.83 29 0.00 0.58 42 0.00 0.08 69 Loans Sec 1-4 Fam RE in Forclosure as % Tota 0.00 0.30 48 0.00 0.40 44 0.00 0.46 43 0.00 0.45 44 0.00 0.26 54 Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D 44.82 0.36 96 64.32 0.36 97 31.58 0.06 96 68.31 0.00 98 0.00 0.04 93 Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS 84.72 0.91 99 87.30 0.89 99 63.97 0.67 99 49.66 0.40 99 0.00 0.40 81 Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D 9.38 0.40 94 17.18 0.34 95 5.34 0.44 91 21.81 0.17 98 0.00 0.16 85

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Interest Rate RiskOCC Charter # 0 County: FOUR Interest Rate Risk Analysis as a Percent of Assets--Page 9Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Long Assets Insts w/Options BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Mortgage Loans & Pass Thrus 8.17 18.21 17 9.12 17.46 22 10.64 16.57 30 12.86 16.59 38 9.79 16.83 26 Loans & Securities Over 15 Years 2.53 3.64 52 3.22 3.00 63 3.19 2.76 64 4.20 2.90 70 3.36 2.90 66 Loans & Securities 5-15 Years 2.68 4.88 38 2.68 4.81 40 3.26 3.77 55 3.27 3.38 57 1.93 3.35 43

Other Loans and Securities 68.74 61.89 70 69.03 62.02 72 69.64 63.75 69 70.97 64.59 71 79.35 67.53 84 Loans & Securities Over 15 Years 6.87 2.96 81 5.27 2.55 80 3.28 2.25 69 3.68 2.04 75 2.26 1.61 70 Loans & Securities 5-15 Years 18.06 12.39 77 15.41 10.80 74 12.14 9.79 66 6.01 9.17 33 4.25 8.64 21 Total Loans & Securities Over 15 Years 9.40 7.43 66 8.48 6.29 69 6.47 5.75 64 7.88 5.64 70 5.62 5.13 64

CMO'S Total 0.05 2.37 35 0.63 2.61 45 1.64 2.22 61 1.52 1.91 63 2.86 1.75 73 Avg Life Over 3 Years 0.00 0.82 45 0.00 0.91 44 0.02 0.93 49 0.02 0.72 53 0.44 0.73 65

Structured Notes 3.77 0.37 94 6.76 0.66 95 2.55 0.68 87 1.71 0.42 86 0.00 0.11 74 Mortgage Servicing (FV) 0.00 0.02 75 0.00 0.02 77 0.00 0.02 79 0.00 0.01 80 0.00 0.01 80 Total 3.77 0.44 94 6.76 0.71 95 2.55 0.73 86 1.71 0.46 86 0.00 0.14 60

Overall Risk Indicators Available for Sale 18.67 19.84 50 19.82 19.57 55 17.72 17.39 56 15.09 15.61 55 9.80 14.66 34 Held to Maturity 0.00 0.66 63 0.00 0.68 63 0.00 0.70 61 0.00 0.97 59 0.00 1.11 56 Off Balance Sheet 13.20 11.76 62 8.95 11.09 41 9.21 11.13 42 7.34 11.41 26 10.29 13.61 33

Unrealized Appreciation/Depreciation 0.00 0.02 71 0.00 0.02 72 0.00 0.00 77 0.00 0.01 71 0.00 0.00 76 Unrealized App/Dep % Tier One Cap 0.00 0.19 71 0.00 0.19 72 0.00 0.05 77 0.00 0.13 71 0.00 0.02 76

Contractual Mat/Reprice Data Loans/Securities Over 3 Year 40.51 41.92 46 37.08 37.91 48 33.04 35.44 43 34.15 35.98 44 31.32 35.26 39 Liabilities Over 3 Year 0.78 3.66 19 0.41 3.70 14 0.36 3.51 15 0.51 3.08 22 1.76 3.29 42 Net Over 3 Year Position 39.73 37.84 54 36.68 33.74 57 32.68 31.42 53 33.65 32.40 52 29.56 31.43 44

Loans/Securities Over 1 Year 53.78 59.48 31 55.22 58.44 39 53.11 56.23 38 55.80 55.19 50 52.76 53.66 46 Liabilities Over 1 Year 4.38 11.72 15 3.99 12.31 12 6.62 13.37 23 8.67 12.14 37 7.19 12.14 32 Net Over 1 Year Position 49.41 47.04 54 51.24 45.50 63 46.49 42.19 58 47.12 42.31 61 45.58 40.80 61

Non-Maturity Deposits 55.76 54.69 51 50.00 50.55 48 44.73 46.18 45 40.36 43.10 43 40.61 39.55 56 Non-Maturity Deps % Long Assets 137.65 143.32 55 134.83 148.54 52 135.36 148.36 53 118.18 134.32 48 129.69 124.50 61 Net Over 3 Year Position -15.25 -12.57 43 -12.91 -12.28 48 -11.69 -10.34 46 -6.21 -6.96 51 -9.30 -4.19 38

As % Tier 1 Capital Structured Notes 36.48 3.93 93 73.39 7.46 95 28.20 7.87 85 18.75 5.17 85 0.00 1.24 74 Mortgage Servicing (FV) 0.00 0.25 75 0.00 0.20 77 0.00 0.19 79 0.00 0.16 80 0.00 0.11 80 Total 36.48 4.66 93 73.39 8.15 95 28.20 8.58 85 18.75 5.66 84 0.00 1.63 60

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Liquidity & FundingOCC Charter # 0 County: FOUR Liquidity & Funding--Page 10Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Total Deposits BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Individ, Partnerships, and Corp. 88.71 90.78 35 89.74 90.63 41 90.84 90.65 46 89.78 91.00 39 93.17 91.38 54 U.S. Govt, States & Political Sub in U.S. 11.29 7.41 73 10.17 7.45 67 9.00 7.19 63 10.10 6.99 70 6.51 6.91 52 Comml Banks & Other Dep Inst. in U.S. 0.00 0.90 35 0.10 0.90 53 0.16 1.04 57 0.12 0.97 52 0.32 0.76 65 Banks in Foreign Countries 0.00 0.08 98 0.00 0.08 98 0.00 0.07 98 0.00 0.11 98 0.00 0.21 97 Foreign Govts and Official Inst. 0.00 0.00 99 0.00 0.04 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 97 Total deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 98 100.00 100.00 98 100.00 100.00 99

Domestic Demand Deposits 23.89 11.81 88 23.99 10.12 92 21.26 8.62 94 17.23 7.87 92 17.51 7.72 93 Domestic Other Transaction Accts 19.55 7.69 91 14.40 6.91 83 12.67 6.17 83 14.09 5.76 89 9.50 4.94 83 Domestic Nontransaction Accts 56.56 79.60 8 61.61 82.20 8 66.07 84.58 8 68.68 85.83 7 72.99 86.85 10 Total Domestic Deposits 100.00 99.90 99 100.00 99.90 99 100.00 99.86 99 100.00 99.87 99 100.00 99.76 99 Deposits in Foreign Offices 0.00 0.10 99 0.00 0.10 99 0.00 0.14 99 0.00 0.13 98 0.00 0.24 98 Total Deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Liquidity/Funding Ratios Net Non Core Fund Dep $250M -10.50 3.45 14 -3.42 5.83 21 5.96 9.12 40 26.63 26.41 50 30.55 31.66 48 Net Non Core Fund Dep $100M 4.21 14.16 23 12.22 17.50 34 21.81 21.27 51 26.63 25.39 52 30.55 30.37 51 Core Deposits 82.32 77.52 71 79.63 76.18 62 77.33 74.51 56 62.54 60.92 52 61.88 57.46 59 Short Term Non Core Funding 4.92 6.75 40 9.08 7.65 68 21.90 16.05 77 20.76 19.03 60 24.18 21.29 65 S.T Inv to S.T. Ncore Fund 284.74 178.23 75 139.74 139.60 64 37.64 49.93 49 18.85 36.40 35 4.00 20.69 23 S.T. Asset to S.T. Liabilities 107.17 125.55 48 87.70 108.13 43 68.61 97.31 32 57.85 84.67 28 50.43 78.34 24 Net S.T. Liabilities to Assets -2.02 -2.92 50 4.37 0.23 60 12.24 2.57 74 17.08 6.48 78 21.17 8.68 82 Net Loans & Leases to Deposits 67.18 73.97 32 67.75 75.10 30 75.03 78.86 37 87.38 82.64 59 95.63 89.27 64 Net LN&LS to Core Deposits 72.04 81.04 31 74.68 83.28 33 83.59 89.29 39 115.35 114.99 55 132.09 129.05 60 Brkr Dep Mat < 1 Yr to Brkr Deps 100.00 55.89 99 87.51 59.26 57 90.07 63.64 61 100.00 68.03 99 100.00 71.00 99 Brokered Deposits to Deposits 1.09 2.26 57 2.32 2.73 63 3.33 3.79 60 0.24 5.23 35 2.12 6.76 45 Listing Service Dep to Deposits 0.00 0.66 74 0.00 0.74 74 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A List Service and Brkrd Dep to Deps 1.09 3.40 51 2.32 4.10 57 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Sec Bor + sec FFP to Tot Bor + FFP 0.00 0.52 88 0.00 0.26 89 0.00 1.27 76 0.00 1.04 78 0.00 1.68 76 Recip Brkrd Dep to Tot Brkrd Dep 100.00 19.76 99 100.00 20.00 99 100.00 18.68 99 100.00 15.74 99 N/A 0.00 N/A

Total Deposits Individ, Partnerships, and Corp. 394,484 443,162 415,064 368,152 279,724 U.S. Govt, States & Political Sub in U.S. 50,188 50,209 41,111 41,394 19,546 Comml Banks & Other Dep Inst. in U.S. 0 483 730 496 967 Banks in Foreign Countries 0 0 0 0 0 Foreign Govts and Official Inst. 0 0 0 0 0 Total Deposits 444,672 493,854 456,905 410,042 300,237

Domestic Demand Deposits 106,210 118,495 97,158 70,666 52,580 Domestic Other Transaction Accts 86,938 71,093 57,889 57,766 28,516 Domestic Nontransaction Accts 251,524 304,266 301,858 281,610 219,141 Total Domestic Deposits 444,672 493,854 456,905 410,042 300,237 Deposits in Foreign Offices 0 0 0 0 0 Total Deposits 444,672 493,854 456,905 410,042 300,237

Other Liquidity/Funding Data Non Core Liabilities $250M 30,138 56,152 69,890 135,379 101,235 Non Core Liabilities $100M 86,730 126,005 139,462 135,379 101,235 Short Term Non Core Funding 24,771 51,103 116,127 103,084 84,944 Core Deposits 414,703 448,049 410,129 310,606 217,360 Time Deps $250M & Under Mat < 1 Yr 121,870 158,703 N/A N/A N/A Time Deps $250M & Under Mat > 1 Yr 16,804 19,501 N/A N/A N/A Time Deps over $250M Mat < 1 Yr 19,909 31,008 N/A N/A N/A Time Deps over $250M Mat > 1 Yr 5,201 3,330 N/A N/A N/A Fed Home Loan Bor Mat < 1 Yr 4 10,061 12,500 12,500 12,591 Fed Home Loan Bor Mat > 1 Yr 166 287 10,614 23,443 5,767 Other Borrowing Mat < 1 Year 0 0 0 0 0 Other Borrowing Mat > 1 Year 0 0 0 0 0 Secured Other Borrowings 0 0 0 0 0 Federal Funds Purchased 0 0 0 0 0 Secured Fed Funds Purchased 0 0 0 0 0 Listing Service Deposits 0 0 N/A N/A N/A Brokered Deposits 4,858 11,466 15,206 1,000 6,362 Reciprocal Brokered Deposits 4,858 11,466 15,206 1,000 N/A

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Liquidity & Inv PortfolioOCC Charter # 0 County: FOUR Liquidity & Investment Portfolio--Page 10APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Total Assets BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Short Term Investments 14.00 7.87 81 12.69 7.44 78 8.24 6.89 64 3.91 5.95 39 0.97 3.70 24 Marketable Equity Sec (MES) 0.86 0.03 97 0.73 0.02 97 0.00 0.02 72 0.00 0.03 71 0.00 0.03 68 Net LN&LS & SBLC to Assets 59.57 62.74 39 59.59 63.30 36 64.85 66.26 43 72.31 68.69 59 81.91 72.11 80 Pledged Assets 65.42 27.24 94 62.73 27.92 93 65.57 28.72 93 14.91 25.10 34 N/A 0.00 N/A

Securities Mix % Total Securities US Treas & Govt Agencies 81.95 23.59 93 78.24 24.67 92 65.23 28.80 83 41.05 28.68 66 16.86 26.94 42 Municipal Securities 3.61 23.79 21 3.30 21.29 22 7.91 20.67 32 17.68 19.86 47 23.24 19.68 57 Pass-Through Mtg Backed Secs 9.56 22.76 32 11.61 23.55 35 17.58 21.01 50 31.20 23.14 63 30.74 25.46 58 CMO & REMIC Mtg Backed Secs 0.27 11.28 35 3.17 12.73 44 9.28 11.97 59 10.07 11.13 63 29.17 10.51 81 Commercial Mtg Back Secs 0.00 0.18 84 0.00 0.07 87 0.00 0.03 89 0.00 0.02 90 N/A 0.00 N/A Asset Backed Securities 0.00 0.03 91 0.00 0.22 95 0.00 0.20 96 0.00 0.10 96 0.00 0.00 93 Structured Financial Products 0.00 0.01 92 0.00 0.01 91 0.00 0.01 90 0.00 0.01 90 N/A 0.00 N/A Other Domestic Debt Secs 0.00 1.43 62 0.00 1.22 65 0.00 0.99 67 0.00 0.99 65 0.00 1.37 58 Foreign Debt Securities 0.00 0.00 93 0.00 0.18 96 0.00 0.09 97 0.00 0.07 97 0.00 0.04 96 Inv Mut Fnd & Oth Mktbl 4.61 0.17 96 3.67 0.13 95 0.00 0.15 71 0.00 0.19 70 0.00 0.27 68 Total 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Liquidity/Securities Ratios: App (Dep) Hi Risk & Struc/T1 Cap -0.02 0.01 6 -0.03 0.02 6 -0.63 -0.05 7 0.00 -0.03 85 0.00 0.01 81 App (Dep) in AFS sec to AFS Sec 4.69 2.17 91 4.44 2.05 92 -0.13 0.36 35 1.08 1.06 47 1.68 0.47 73 App (Dep) in HTM Sec to HTM Sec N/A 2.86 N/A N/A 2.64 N/A N/A 1.08 N/A N/A 1.48 N/A N/A 0.04 N/A App (Dep) in HTM Sec to Eqy Cap 0.00 0.18 71 0.00 0.18 72 0.00 0.05 77 0.00 0.13 71 0.00 0.02 76 Pledged Securities to Tot Sec 78.80 42.48 88 62.96 44.86 73 73.08 48.81 78 98.81 53.41 97 72.17 59.44 63 Pledged Loans to Total Loans 84.34 26.06 93 83.34 26.00 92 80.27 26.15 92 0.00 20.35 36 N/A 0.00 N/A Loans Held for Sale to Total Loans 0.14 0.55 53 0.03 0.37 50 0.01 0.37 50 0.08 0.22 61 0.00 0.16 58

Short Term Investments 70,532 71,412 43,711 19,433 3,401 Short Term Assets 151,955 175,197 141,881 116,419 75,656 Debt Securities 90+ Days P/D 0 0 0 0 0 Total Non-Current Debt Sec 0 0 0 0 0 Fair Value Structured Notes 18,989 37,999 13,197 8,486 0 Pledged Securities 74,130 70,204 68,698 74,051 24,838 Pledged Loans & Leases 255,464 282,769 279,054 0 N/A Loans Held for Sale 411 86 45 306 0

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Capital Analysis-aOCC Charter # 0 County: FOUR Capital Analysis--Page 11Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Capital Ratios BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Percent of Bank Equity: Net Loans & Leases (x) 5.27 6.18 31 5.90 6.37 42 7.09 7.04 51 7.56 7.61 49 9.67 7.92 77 Subord Notes & Debentures 0.00 0.31 96 0.00 0.69 95 0.00 0.73 95 0.00 0.00 94 0.00 0.01 94 Long Term Debt 0.00 0.31 96 0.00 0.69 95 0.00 0.73 95 0.00 0.00 94 0.00 0.01 94 Com RE & Related Ventures 262.49 262.72 52 286.09 285.38 54 291.81 324.95 47 316.15 360.50 44 361.41 380.71 48 Percent of Average Bank Equity: Net Income 9.70 8.67 59 12.36 6.29 78 16.01 3.92 91 11.44 0.32 80 12.36 5.52 77 Dividends 9.21 3.47 84 4.98 2.88 73 10.76 2.49 92 5.28 2.81 75 13.86 4.46 92 Retained Earnings 0.49 4.49 16 7.38 2.74 77 5.25 0.71 65 6.16 -3.13 80 -1.50 0.24 30 Other Capital Ratios: Dividends to Net Operating Income 94.98 35.24 91 40.31 33.98 55 67.21 34.06 79 46.15 48.53 46 112.13 58.25 84 Bank Eq Cap + Min Int to Assets 11.26 10.32 71 10.07 10.15 52 9.11 9.61 42 9.55 9.23 59 8.45 9.25 39 Growth Rates: Total Equity Capital 0.04 6.41 12 17.24 8.64 81 1.97 2.73 37 59.69 4.92 97 -1.95 4.57 23 Equity Growth Less Asst Growth 10.51 0.74 88 11.15 3.84 78 -4.83 0.46 25 18.30 -0.72 90 -7.21 -4.33 34 Intang Assets % Bank Equity Mortgage Servicing Rights 0.00 0.22 75 0.00 0.17 77 0.00 0.16 79 0.00 0.13 80 0.00 0.09 80 Goodwill 0.23 1.98 63 0.23 2.18 63 0.26 2.18 65 0.27 2.30 65 0.43 3.38 61 Purch Credit Card Relations 0.00 0.05 96 0.00 0.04 96 0.00 0.02 97 0.00 0.02 97 0.00 0.02 97 All Other Intangibles 0.00 0.28 64 0.01 0.32 65 0.07 0.38 67 0.14 0.45 68 0.17 0.56 67 Total Intangibles 0.23 3.07 42 0.24 3.25 43 0.34 3.40 46 0.41 3.50 49 0.60 4.58 49

Risk-Based Capital Tier One RBC to Risk-Wgt Assets 16.76 14.42 77 14.78 13.92 64 13.44 13.00 62 13.16 11.90 71 11.16 11.40 56 Total RBC to Risk-Weight Assets 18.00 15.63 77 16.02 15.18 64 14.69 14.27 62 14.19 13.17 69 12.27 12.60 54 Tier One Leverage Capital 10.25 9.67 67 9.01 9.40 44 8.96 9.02 50 8.97 8.66 59 9.14 8.75 65 Other Capital Ratio: Def Tax Asset to T1 Cap 0.00 1.53 45 0.00 1.61 46 0.00 2.39 39 0.00 2.49 40 0.00 2.55 36

End of Period Capital ($000) Perpetual Preferred 0 0 0 0 0 + Common Stock 1,000 1,000 1,000 1,000 1,000 + Surplus 42,500 42,500 42,500 42,500 28,200 + Undivided Profits 11,208 10,932 7,037 4,446 2,080 + Accum Other Comp Income 1,992 2,243 -2,194 -538 -1,593 + Other Equity Capital Comp 0 0 0 0 0 Total Bank Equity Capital 56,700 56,675 48,343 47,408 29,687 Minority Interest Cons Subs 0 0 0 0 0 Total Bank Capital & Min Int 56,700 56,675 48,343 47,408 29,687

Subordinated Notes & Debentures 0 0 0 0 0

Changes in Bank Equity ($000) Balance at Beginning of Period 56,675 48,343 47,408 29,687 30,278 + Net Income 5,522 6,524 7,902 4,394 3,718 + Sales or Purchase of Capital 0 0 0 0 0 + Merger & Absorptions 0 0 0 0 0 + Restate due to Acctg Error&Chg 0 0 0 0 0 + Trans with Parent 0 0 0 14,300 0 - Dividends 5,245 2,630 5,311 2,028 4,169 + Other Comprehensive Income -252 4,438 -1,656 1,055 -140 Balance at End of Period 56,700 56,675 48,343 47,408 29,687

Intangible Assets Mortgage Servicing Rights 0 0 0 0 0 + Purch Credit Card Relations. 0 0 0 0 0 + Other Intangibles 0 8 36 67 51 + Goodwill 128 128 127 128 128 Total Intangibles 128 136 163 195 179

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Capital Analysis-bOCC Charter # 0 County: FOUR Capital Analysis--Page 11APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Risk Based Capital ($000) Tier One Capital Total Equity Capital Adjusted 52,208 51,932 48,037 45,446 31,280 - Ineligible Def Tax Assets 0 0 0 0 0 - Ineligible Intangibles 128 135 163 195 179 - Cumul Change F.V. Financial Liab 0 0 0 0 0 Net Tier One 52,080 51,797 47,874 45,251 31,101

Tier Two Capital + Qualif Debt and Redeem Pfd 0 0 0 0 0 + Cumulative Preferred Stock 0 0 0 0 0 + Allowable LN&LS Loss Allow 3,864 4,349 4,455 3,542 3,096 + Unrl Gain Mktbl Eqy Sec (45%) 0 0 0 0 0 + Other Tier 2 Capital Comp 0 0 0 0 0 Net Eligible Tier Two 3,864 4,349 4,455 3,542 3,096

Total RBC Before Deductions Tier One & Tier Two 55,944 56,146 52,329 48,793 34,197 Tier Three & Fin Sub Adj 0 0 0 0 0 - Deductions for Total RBC 0 0 0 0 0 Total Risk-Based-Capital 55,944 56,146 52,329 48,793 34,197

Risk-Weighted Assets On-Balance Sheet Category Two - 20% 21,602 27,162 25,062 26,070 11,546 Category Three - 50% 16,068 19,527 20,479 20,794 13,122 Category Four - 100% 270,967 300,660 305,700 295,119 253,200 Total On-Balance Sheet 308,637 347,349 351,242 341,983 277,868 Memo: Category One - 0% 92,454 86,947 63,077 32,109 16,414

Off-Balance Sheet Category Two - 20% 0 0 0 0 0 Category Three - 50% 0 0 0 0 0 Category Four - 100% 2,320 3,365 5,178 1,830 637 Total Off-Balance Sheet 2,320 3,365 5,178 1,830 637 Memo: Category One - 0% 0 0 0 0 0

Adjustments to Risk-Wgt Assets Risk-Weighted Asset Before Ded 310,957 350,714 356,420 343,813 278,505 - Excess Allowable LN&LS Loss Al 268 354 363 0 0 - Allocated Transfer Risk Reserve 0 0 0 0 0 + Mkt Risk Asset & Fin Sub Adj 0 0 0 0 0 Total Risk-Weighted Assets 310,690 350,361 356,058 343,813 278,506

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Income Statement 1-Qtr-AnnOCC Charter # 0 County: FOUR One Quarter Annualized Income Analysis--Page 12Public Report

12/31/2012 9/30/2012 6/30/2012 3/31/2012 12/31/2011 Earnings and Profitability BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT Percent of Average Assets: Interest Income (TE) 4.32 4.12 63 4.30 4.22 55 4.22 4.26 46 4.13 4.30 36 4.31 4.41 42 - Interest Expense 0.32 0.59 17 0.40 0.64 20 0.49 0.69 26 0.52 0.74 24 0.66 0.80 34 Net Interest Income (TE) 4.00 3.52 79 3.89 3.57 71 3.72 3.56 60 3.62 3.56 53 3.65 3.61 52 + Noninterest Income 1.00 0.83 67 0.75 0.79 53 1.44 0.75 87 2.13 0.75 94 1.66 0.70 92 - Noninterest Expense 4.10 3.01 87 5.02 2.92 95 4.21 2.90 92 4.14 2.89 93 4.06 2.98 88 - Provision: Loan & Lease Losses 0.34 0.31 64 -0.07 0.27 2 -0.16 0.29 1 -0.04 0.29 2 0.24 0.52 38 Pretax Operating Income (TE) 0.56 1.11 23 -0.31 1.24 7 1.11 1.17 44 1.65 1.18 72 1.02 0.83 47 + Realized Gains/Losses Sec 0.00 0.05 63 1.01 0.05 98 0.00 0.06 52 0.04 0.05 71 0.00 0.03 58 Pretax Net Operating Income (TE) 0.56 1.19 20 0.70 1.33 20 1.11 1.26 40 1.69 1.27 70 1.02 0.87 45 Net Operating Income 0.54 0.88 27 0.68 0.97 31 1.09 0.92 63 1.66 0.92 85 0.99 0.61 64 Adjusted Net Operating Income 0.49 0.80 29 0.55 0.96 25 0.98 0.92 52 1.52 0.97 79 0.86 0.55 52 Net Inc Attrib Min Ints 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 Net Income Adjusted Sub S 0.37 0.79 18 0.47 0.88 19 0.73 0.83 40 1.12 0.83 71 0.67 0.55 44 Net Income 0.54 0.88 27 0.68 0.97 31 1.09 0.92 63 1.66 0.92 85 0.99 0.61 64

Margin Analysis: Int Inc (TE) to Avg Earn Assets 4.74 4.44 69 4.74 4.53 62 4.63 4.57 52 4.53 4.64 42 4.74 4.76 49 Int Expense to Avg Earn Assets 0.35 0.64 17 0.45 0.69 21 0.54 0.74 27 0.57 0.79 25 0.72 0.86 35 Net Int Inc-TE to Avg Earn Assets 4.39 3.79 84 4.30 3.84 77 4.09 3.83 66 3.96 3.83 59 4.02 3.89 59

Loan & Lease Analysis: Net Loss to Average Total LN&LS 0.64 0.58 67 0.09 0.45 34 -0.09 0.48 5 0.19 0.39 48 0.64 0.91 54 Earnings Coverage of Net Loss (X) 2.27 9.22 40 -7.70 9.66 12 -18.36 6.42 11 15.12 4.42 73 3.30 6.74 54 LN&LS Allowance to Net Losses (X) 2.11 5.56 40 15.17 5.59 79 -15.53 4.70 10 7.25 4.15 65 2.17 4.38 47

Capitalization Cash Dividends to Net Income 125.99 45.22 85 64.08 19.38 86 83.17 24.61 88 104.82 19.75 95 104.17 30.72 87 Retain Earns to Avg Total Equity -1.25 2.07 25 2.23 6.03 20 1.77 4.94 23 -0.83 5.72 11 -0.42 0.92 30

Yield on or Cost of: Total Loan & Leases (TE) 6.73 5.57 93 6.71 5.64 93 6.58 5.66 91 6.58 5.71 91 6.77 5.82 92 Loans in Domestic Offices 6.69 5.55 93 6.70 5.62 93 6.57 5.64 91 6.54 5.69 90 6.72 5.80 91 Real Estate 6.58 5.49 92 6.77 5.57 93 6.41 5.59 90 6.36 5.63 88 6.78 5.75 91 Secured by 1-4 Fam Resi Prop 7.05 5.45 90 7.12 5.52 91 6.99 5.57 89 7.14 5.62 91 4.89 5.74 19 All Other Loans Sec Real Estate 6.47 5.54 88 6.69 5.61 91 6.27 5.60 85 6.18 5.66 81 7.26 5.77 94 Commercial & Industrial 6.27 5.68 74 6.13 5.74 69 6.15 5.78 69 6.32 5.80 74 5.86 5.92 54 Individual 8.37 7.20 73 7.15 7.27 50 8.11 7.24 70 8.37 7.34 73 8.30 7.58 69 Credit Card 18.25 9.84 89 18.08 9.00 90 19.18 9.11 90 18.38 9.84 89 17.11 9.38 86 Agricultural 6.43 5.00 77 6.05 5.06 66 6.32 5.01 76 6.37 5.18 73 6.37 5.28 69 Loans in Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Total Investment Securities (TE) 1.49 2.52 12 1.61 2.65 11 1.77 2.79 12 2.02 2.93 15 1.92 3.01 12 Total Investment Securities (Book) 1.47 2.19 14 1.57 2.32 14 1.76 2.46 14 1.98 2.59 19 1.90 2.69 14 US Treas & Agency (Excl MBS) 1.05 1.63 24 1.11 1.71 25 1.32 1.82 30 1.55 1.90 37 1.49 2.00 31 Mortgage Backed Securities 4.73 2.02 96 4.11 2.27 92 4.09 2.44 92 4.19 2.62 91 3.90 2.77 85 All Other Securities 1.38 3.18 5 1.86 3.22 9 2.97 3.35 31 2.80 3.46 23 1.30 3.61 3 Interest-Bearing Bank Balances 0.31 0.31 65 0.30 0.31 65 0.28 0.30 58 0.27 0.29 65 0.28 0.32 55 Federal Funds Sold & Resales N/A 0.18 N/A 0.00 0.18 31 0.00 0.20 27 0.00 0.15 32 0.00 0.18 30

Total Interest Bearing Deposits 0.48 0.69 24 0.58 0.74 31 0.63 0.79 33 0.70 0.84 35 0.82 0.92 40 Transaction accounts 0.22 0.28 48 0.23 0.30 50 0.25 0.31 48 0.28 0.33 53 0.29 0.37 50 Other Savings Deposits 0.18 0.32 27 0.19 0.34 25 0.25 0.37 35 0.26 0.39 33 0.30 0.43 35 Time Deps Over $100M 0.77 1.16 18 0.89 1.22 23 0.98 1.29 26 1.04 1.36 25 1.26 1.45 37 All Other Time Deposits 0.75 1.18 16 0.93 1.24 24 0.94 1.30 21 1.08 1.39 24 1.19 1.51 25 Foreign Office Deposits N/A 0.24 N/A N/A 0.24 N/A N/A 0.18 N/A N/A 0.28 N/A N/A 0.19 N/A

Federal Funds Purchased & Repos N/A 0.52 N/A N/A 0.52 N/A N/A 0.55 N/A 0.00 0.54 17 0.00 0.60 16 Other Borrowed Money 4.44 2.57 88 3.69 2.83 70 3.74 2.84 72 3.72 2.91 71 3.63 2.73 67 Subord Notes & Debentures N/A 5.23 N/A N/A 5.83 N/A N/A 5.15 N/A N/A 4.71 N/A N/A 5.01 N/A All Interest-Bearing Funds 0.48 0.77 19 0.59 0.82 26 0.72 0.88 32 0.78 0.93 35 0.96 1.02 44

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Securitization & Asset Sale-aOCC Charter # 0 County: FOUR Securitization & Asset Sale Activities--Page 13Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year

Securitization Activities 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Retained Interest-Only Strips 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Retained Credit Enhancements 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Unused Liquidity Commitments 0.00 0.00 0.00 0.00 0.00 N/A N/A

Sellers Interest in Secs & Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A

Total Retained Credit Exposure 0.00 0.00 0.00 0.00 0.00 N/A N/A

Asset Backed Comml Paper Conduits 0.00 0.00 0.00 0.00 0.00 N/A N/A CR Exp Spons by Bank & Other 0.00 0.00 0.00 0.00 0.00 N/A N/A Liquid Comm by Bank & Other 0.00 0.00 0.00 0.00 0.00 N/A N/A

Activity % Total Assets Securitization Activities 0.00 0.00 0.00 0.00 0.00 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Asset Backed Comml Paper Conduits 0.00 0.00 0.00 0.00 0.00 Cr Exp Spons by Bank & Other 0.00 0.00 0.00 0.00 0.00 Liquid Comm by Bank & Other 0.00 0.00 0.00 0.00 0.00

Percent of Tot Managed Assets on Balance Sheet & Sec Assets 1-4 Family Residential Loans 11.32 12.23 12.44 12.06 8.41 Home Equity Lines 0.02 0.04 0.04 0.05 0.00 Credit Card Receivables 0.17 0.16 0.16 0.15 0.17 Auto Loans 6.35 7.21 8.12 12.30 14.11 Commercial & Industrial Loans 17.97 20.10 19.94 18.55 21.01 All Other Loans and Leases 64.17 60.27 59.30 56.88 56.29

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Securitization & Asset Sale-bOCC Charter # 0 County: FOUR Securitization & Asset Sale Activities--Page 13APublic Report

12/31/2012 12/31/2010 12/31/2009 12/31/2008 % Tot Securitization Act by Type Retained Int Only Strips N/A N/A N/A N/A 1-4 Family Residential Loans N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A

Retained Credit Enhancement N/A N/A N/A N/A 1-4 Family Residential Loans N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A

Unused Comm to Provide Liquidity N/A N/A N/A N/A N/A Sellers Int in Secs & LNS % Trust N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A

Percent of Tier 1 Capital Total Retained Credit Exposure 0.00 0.00 0.00 0.00 0.00 Retained Interest-Only Strips 0.00 0.00 0.00 0.00 0.00 Retained Credit Enhancements 0.00 0.00 0.00 0.00 0.00

30-89 Day PD Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total 30-89 Day PD Secur Assets 0.00 0.00 0.00 0.00 0.00

90+ Days PD Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total 90+ Days PD Secur Assets 0.00 0.00 0.00 0.00 0.00

Total Past Due Securitized Assets 0.00 0.00 0.00 0.00 0.00

Net Losses Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total Net Charge Off Secur Asset 0.00 0.00 0.00 0.00 0.00

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Securitization & Asset Sale-cOCC Charter # 0 County: FOUR Securitization & Asset Sale Activities--Page 13BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 30-89 Day PD Securitized Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 30-89 Days PD Secur Asset N/A N/A N/A N/A N/A

90+ Day PD Securitized Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 90+ Day PD Secur Asset N/A N/A N/A N/A N/A

Total PD Securitized Asets % N/A N/A N/A N/A N/A

Net Losses on Securitized Assets% 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Net Losses on Securitized Assets N/A N/A N/A N/A N/A

30-89 DAY PD managed assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 30-89 Day PD Manage Asset N/A N/A N/A N/A N/A

90+ DAY PD MANAGED ASSETS % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 90+ Day PD Manage Asset N/A N/A N/A N/A N/A

Total Past Due Managed Assets % N/A N/A N/A N/A N/A

Net Losses on Managed Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Net Losses on Managed Assets N/A N/A N/A N/A N/A

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Fiduciary Services-aOCC Charter # 0 County: FOUR Fiduciary & Related Services--Page 14Public Report

12/31/2012 9/30/2012 12/31/2011 12/31/2012 Total Fiduciary and Related Assets '($000)' %Total %MGD '($000)' %Total %MGD '($000)' %Total %MGD %Change Personal Trust and Agency 65,642 18.75 99 59,854 16.30 99 57,445 16.06 99 14.27 Employee Benefit DC 51,681 14.76 2 51,324 13.97 2 48,722 13.62 1 6.07 Employee Benefit DB 7,840 2.24 100 7,375 2.01 100 6,874 1.92 100 14.05 Other EB & Retirement-Related 7,158 2.04 79 7,283 1.98 80 6,930 1.94 82 3.29 Corporate Trust and Agency 27,792 7.94 100 27,404 7.46 100 21,486 6.01 100 29.35 Inv Mgmt & Inv Advisory Agency 185,422 52.97 89 209,204 56.96 89 212,138 59.31 92 -12.59 Foundation & Endowment Trust & Agency 4,413 1.26 100 4,364 1.19 100 4,087 1.14 100 7.98 Other Fiduciary 119 0.03 100 467 0.13 100 0 0.00 N/A N/A Total Fiduciary Assets 350,067 100.00 79 367,275 100.00 79 357,682 100.00 81 -2.13 Custody and Safekeeping 82,575 79,482 79,344 4.07 Memo: Accts in Foreign Offices N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: IRA, HSA & Other 31,321 8.95 17 31,233 8.50 17 31,927 8.93 17 -1.90

Total Fiduciary and Related Accounts (#) %Total %MGD (#) %Total %MGD (#) %Total %MGD %Change Personal Trust and Agency 78 17.45 95 70 15.18 94 71 16.51 94 9.86 Employee Benefit DC 8 1.79 13 9 1.95 11 8 1.86 13 0.00 Employee Benefit DB 1 0.22 100 1 0.22 100 1 0.23 100 0.00 Other EB & Retirement-Related 44 9.84 70 43 9.33 72 44 10.23 73 0.00 Corporate Trust and Agency 162 36.24 100 165 35.79 100 156 36.28 100 3.85 Inv Mgmt & Inv Advisory Agency 132 29.53 76 140 30.37 78 146 33.95 78 -9.59 Foundation & Endowment Trust & Agency 4 0.89 100 4 0.87 100 4 0.93 100 0.00 Other Fiduciary 18 4.03 100 29 6.29 100 0 0.00 N/A N/A Total Number of Accounts 447 100.00 87 461 100.00 88 430 100.00 87 3.95 Custody and Safekeeping 901 858 855 5.38 Memo: Accts in Foreign Offices N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: IRA, HSA & Other 562 125.73 5 575 124.73 5 603 140.23 5 -6.80

Fiduciary and Related Services Income '($000)' %FID IN %Change '($000)' %FID IN %Change '($000)' %FID IN %Change Personal Trust and Agency 343 18.75 13 255 18.99 13 304 18.27 -11 Employee Benefit DC 17 0.93 55 11 0.82 22 11 0.66 -8 Employee Benefit DB 0 0.00 N/A 0 0.00 N/A 0 0.00 N/A Other EB & Retirement-Related 74 4.05 10 55 4.10 10 67 4.03 24 Corporate Trust and Agency 892 48.77 9 645 48.03 11 815 48.98 9 Inv Mgmt & Inv Advisory Agency 445 24.33 7 334 24.87 8 416 25.00 14 Foundation & Endowment Trust & Agency 28 1.53 22 21 1.56 24 23 1.38 N/A Other Fiduciary 0 0.00 N/A 0 0.00 N/A 0 0.00 N/A Custody and Safekeeping 30 1.64 7 22 1.64 0 28 1.68 8 Other Related Services 0 0.00 N/A 0 0.00 N/A 0 0.00 N/A Gross Fiduciary and Related Income 1,829 100.00 10 1,343 100.00 11 1,664 100.00 7 Less: Expenses 1,190 65.06 4 N/A N/A N/A 1,141 68.57 -1 Less:Net Losses 0 0.00 N/A N/A N/A N/A 0 0.00 N/A Plus: Intra-company Credits 0 0.00 N/A N/A N/A N/A 0 0.00 N/A Net Fiduciary and Related Income 639 34.94 22 N/A N/A N/A 523 31.43 33 Memo: Fiduciary Income - Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A Gross Fiduciary Income % Nonint Inc 24.77 21.97 16.90

Fiduciary Income % Fiduciary Assets Bank TRST304 PCT Bank TRST304 PCT Bank TRST304 PCT Personal Trust and Agency 0.52 0.69 28 0.57 1 31 0.53 0.71 26.00 Employee Benefit DC 0.03 0.38 7 0.03 0 7 0.02 0.45 6.00 Employee Benefit DB 0.00 0.33 17 0.00 0 14 0.00 0.37 11.00 Other EB & Retirement-Related 1.03 0.55 94 1.01 1 93 0.97 0.62 90.00 Corporate Trust and Agency 3.21 5.42 80 3.14 9 83 3.79 5.05 79.00 Inv Mgmt & Inv Advisory Agency 0.24 0.58 11 0.21 1 8 0.20 0.58 6.00 Other Fiduciary 0.00 8.14 43 0.00 4 47 N/A 2.12 N/A Total Fiduciary Assets 0.52 0.58 38 0.49 1 29 0.47 0.58 28.00 Custody and Safekeeping 0.04 0.16 17 0.04 0 19 0.04 0.14 20.00 Memo: Fiduciary Income Foreign N/A 0.00 N/A N/A 0 N/A N/A 0.00 N/A

Collective/Common Trust Fund Assets '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Domestic Equity 0 N/A N/A 0 N/A N/A 0 N/A N/A International/Global Equity 0 N/A N/A 0 N/A N/A 0 N/A N/A Stock/Bond Blend 0 N/A N/A 0 N/A N/A 0 N/A N/A Taxable Bond 0 N/A N/A 0 N/A N/A 0 N/A N/A Municipal Bond 0 N/A N/A 0 N/A N/A 0 N/A N/A Short Term/Money Market 0 N/A N/A 0 N/A N/A 0 N/A N/A Specialty/Other 0 N/A N/A 0 N/A N/A 0 N/A N/A Total Trust Funds 0 N/A N/A 0 N/A N/A 0 N/A N/A

Collective/Common Trust Fund Accounts (#) %Total %Change (#) %Total %Change (#) %Total %Change Domestic Equity 0 N/A N/A 0 N/A N/A 0 N/A N/A International/Global Equity 0 N/A N/A 0 N/A N/A 0 N/A N/A Stock/Bond Blend 0 N/A N/A 0 N/A N/A 0 N/A N/A Taxable Bond 0 N/A N/A 0 N/A N/A 0 N/A N/A Municipal Bond 0 N/A N/A 0 N/A N/A 0 N/A N/A Short Term/Money Market 0 N/A N/A 0 N/A N/A 0 N/A N/A Specialty/Other 0 N/A N/A 0 N/A N/A 0 N/A N/A Total Trust Funds 0 N/A N/A 0 N/A N/A 0 N/A N/A

FDIC Certificate # 4444 FRB District/ID_RSSD 11 / 444444 BANK FOUR FOUR, TX Fiduciary Services-bOCC Charter # 0 County: FOUR Fiduciary & Related Services--Page 14APublic Report

Gross Fiduciary Losses - Managed '($000)' %Rev TRST304 PCT '($000)' %Rev TRST304 PCT '($000)' %Rev TRST304 PCT Personal Trust and Agency 0.00 0.00 0 81.00 N/A N/A 0.11 N/A 0 0.00 0.05 77 EB & Retirement Related Trust & Agency 0.00 0.00 0 89.00 N/A N/A 0.24 N/A 0 0.00 0.01 88 Inv Mgmt & Inv Advisory Agency 0.00 0.00 0 91.00 N/A N/A 0.00 N/A 0 0.00 0.01 89 Other Fiduciary 0.00 0.00 2 96.00 N/A N/A 0.00 N/A 0 0.00 0.00 94 Total Gross Managed Losses 0.00 0.00 0 73.00 N/A N/A 0.06 N/A 0 0.00 0.08 67

Gross Fiduciary Losses - Non Managed Personal Trust and Agency 0.00 0.00 0 98.00 N/A N/A 0.00 N/A 0 0.00 0.01 97 EB & Retirement Related Trust & Agency 0.00 0.00 0 94.00 N/A N/A 0.00 N/A 0 0.00 0.00 91 Inv Mgmt & Inv Advisory Agency 0.00 0.00 0 97.00 N/A N/A 0.10 N/A 0 0.00 0.12 97 Other Fiduciary 0.00 0.00 0 95.00 N/A N/A 0.00 N/A 0 0.00 0.04 96 Total Gross Non Managed Losses 0.00 0.00 0 89.00 N/A N/A 0.01 N/A 0 0.00 0.01 87

Net Fiduciary Losses - ALL Personal Trust and Agency 0.00 0.00 0 82.00 N/A N/A 0.02 N/A 0 0.00 0.06 76 EB & Retirement Related Trust & Agency 0.00 0.00 0 85.00 N/A N/A 0.24 N/A 0 0.00 0.04 83 Inv Mgmt & Inv Advisory Agency 0.00 0.00 0 90.00 N/A N/A 0.00 N/A 0 0.00 0.02 87 Other Fiduciary 0.00 0.00 0 92.00 N/A N/A 0.00 N/A 0 0.00 0.01 92 Total Net Losses 0.00 0.00 0 70.00 N/A N/A 0.06 N/A 0 0.00 0.12 65

Corporate Trust and Agency '($000)' #ISS %Change '($000)' #ISS %Change '($000)' #ISS %Change

Corporate and Muni Trusteeships ####### 147.00 4 N/A N/A N/A 225,404.00 141.00 11 Issues in Default ####### N/A -20 N/A N/A N/A 30,580.00 N/A N/A All Other Corporate N/A 0.00 N/A N/A N/A N/A N/A 0.00 N/A

Managed Assets in Fiduciary Accts '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Noninterest-Bearing Deposits 191.00 0.07 -75 N/A N/A N/A 751 0.26 3,029.17 Interest-Bearing Deposits ####### N/A -29 N/A N/A N/A 29,393 N/A 10.04 U.S. Treasury & Agency ####### 18.77 25 N/A N/A N/A 41,390 14.23 3.71 State, County & Municipal 1,297.00 0.47 -83 N/A N/A N/A 7,731 2.66 -19.08 Money Market Mutual Funds 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A Equity Mutual Funds 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A Other Mutual Funds 8,875.00 3.21 -41 N/A N/A N/A 15,151 5.21 11.18 Common & Collective Funds 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A Other Short-Term Obligations 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A Other Notes and Bonds 262.00 0.09 291 N/A N/A N/A 67 0.02 -75.09 Unregistered Funds & Private Equity 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A Other Common & Preferred Stocks ####### 24.16 -7 N/A N/A N/A 71,728 24.67 14.67 Real Estate Mortgages 4,330.00 1.57 -31 N/A N/A N/A 6,235 2.14 77.13 Real Estate ####### 12.07 -1 N/A N/A N/A 33,716 11.59 5.16 Miscellaneous Assets ####### 32.05 5 N/A N/A N/A 84,625 29.10 2.34 Total Managed Assets ####### 100.00 -5 N/A N/A N/A 290,787 100.00 7.33

Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A

Peer Group Descriptions for Fiduciary & Related Services: er NumberTrust Assets between $250 million and $1 billion TRST304

Memo: Fiduciary Income Foreign N/A 0.00 N/A N/A 0 N/A N/A 0.00 N/A

Collective/Common Trust Fund Assets '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Domestic Equity 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A International/Global Equity 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Stock/Bond Blend 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Taxable Bond 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Municipal Bond 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Short Term/Money Market 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Specialty/Other 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Total Trust Funds 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A

Collective/Common Trust Fund Accounts (#) %Total %Change (#) %Total %Change (#) %Total %Change Domestic Equity 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A International/Global Equity 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Stock/Bond Blend 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Taxable Bond 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Municipal Bond 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Short Term/Money Market 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Specialty/Other 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A Total Trust Funds 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A

12/31/20119/30/201212/31/2012

Net Interest Income (TE):Avg Assets

Net Income:Avg Assets 1.79 3.73 49 '124.05 3.76 68 '11 Fiduciary Activities (inc)

1.02 0.92 59 '12 4.11 3.77 72 '101.13 0.67 72 '11 4.12 3.83 70 '091.51 0.44 88 '10 4.65 3.87 88 '08 Deposit Service Charges0.98 0.10 76 '091.12 0.53 74 '08 Noninterest Income:

Avg Assets Net from Trading Fees &1.36 0.78 85 '12 Comms (if available)1.71 0.71 92 '112.22 0.72 94 '10 Foreign Exchange Trading Average Assets per2.14 0.74 95 '09 (if available) employee-$MM1.68 0.77 92 '08 2.42 4.71 2 '12

Other Non-Interest Income 2.79 4.62 5 '112.88 4.54 9 '102.97 4.60 12 '09

Personnel Expense: 2.74 4.39 10 '08Avg Assets

Non-interest expense: 2.04 1.56 86 '12 Average Personnel ExpAvg Assets 1.75 1.50 74 '11 per equiv Emp-$M

4.36 2.93 93 '12 1.78 1.47 77 '10 53.33 68.31 15 '124.03 2.93 90 '11 1.83 1.45 81 '09 49.85 65.25 11 '114.16 2.94 91 '10 1.90 1.53 80 '08 50.67 63.41 15 '104.07 2.97 88 '09 49.14 62.11 14 '094.22 2.91 90 '08 49.21 60.94 18 '08

Provision for loan & lease Premises, fixed assets:losses: Avg Assets Occupancy Expense: Avg Assets

0.01 0.30 10 '12 Avg Assets 1.61 1.74 46 '120.11 0.53 14 '11 0.53 0.36 86 '12 1.57 1.78 43 '110.61 0.80 52 '10 0.49 0.37 80 '11 1.41 1.82 37 '100.87 1.12 52 '09 0.53 0.38 83 '10 1.06 1.88 24 '090.47 0.62 55 '08 0.49 0.39 75 '09 1.25 1.92 28 '08

0.55 0.40 82 '08Realized G/L Avg Assets per domesicHTM Securities office

0.26 0.07 89 '12 Other operating expenses:0.02 0.05 57 '11 Avg Assets0.00 0.05 35 '10 1.79 0.99 93 '120.08 0.04 72 '09 1.79 1.04 92 '11 Effiency Ratio0.00 -0.04 53 '08 1.85 1.06 93 '10

1.75 1.09 91 '09 84.51 66.82 87 '12Realized G/L 1.76 0.93 93 '08 76.32 67.91 73 '11AFS Securities 66.60 68.42 49 '10

68.95 71.47 53 '09Net Extraordinary Items: 72.23 66.05 69 '08Avg Assets

Applicable Income Tax:Avg Assets Net Interest Income+NonInterest Income

or…84.51 to make $100 in revenue

Overhead

Total Loans & Leases Real Estate Loans Real Estate Loans(Yield On) (yield on) Avg Gross Lns & Leases

Interest Income (TE): 6.65 5.64 93 '12 6.53 5.58 92 '12 64.58 76.58 20 '12Avg Earning Assets 6.57 5.84 89 '11 6.35 5.76 86 '11 61.10 77.02 14 '11

Interest Income (TE): 4.66 4.55 56 '12 6.36 5.97 77 '10 6.54 5.88 88 '10 57.95 77.23 10 '10Avg Assets 4.75 4.85 43 '11 6.18 6.06 58 '09 6.32 5.99 73 '09 57.76 77.54 9 '09

4.24 4.23 50 '12 5.47 5.15 70 '10 7.15 6.77 76 '08 7.11 6.69 78 '08 52.26 76.89 6 '084.36 4.50 37 '11 5.71 5.50 65 '095.06 4.78 69 '10 6.81 6.30 85 '08 Other Interest Income US Treasury & agency Commercial & Industria Commercial & Industrial5.25 5.13 58 '09 Securities Loans (yield on) Avg Gross Lns & Leases6.40 5.90 85 '08 Average Earning Assets 1.27 1.74 29 '12 6.22 5.75 73 '12 19.27 13.63 77 '12

Avg Assets 1.67 2.10 34 '11 6.24 5.93 67 '11 20.21 13.38 80 '11Net Loans and Leases 91.03 93.26 21 '12 2.05 2.58 32 '10 6.17 6.06 60 '10 18.54 13.30 77 '10Avg Assets 91.79 93.16 30 '11 2.75 3.57 25 '09 5.25 6.03 21 '09 19.10 13.41 77 '0958.49 62.60 35 '12 92.39 93.08 38 '10 4.89 4.57 63 '08 6.81 6.84 53 '08 23.04 14.09 84 '0859.71 63.82 34 '11 91.89 93.59 27 '0969.68 66.81 56 '10 94.03 93.86 49 '08 Investment Securities Mortgage backed securities Loans to Individuals Loans to Individuals73.70 69.85 59 '09 (Yield On) (yield on) (yield on) Avg Gross Lns & Leases76.66 71.59 63 '08 1.74 2.71 12 '12 4.24 2.34 93 '12 8.00 7.26 67 '12 7.09 3.43 83 '12

2.21 3.19 13 '11 3.77 3.10 77 '11 8.19 7.50 68 '11 7.67 3.51 84 '11Debt Securities: 3.18 3.68 31 '10 4.13 3.76 63 '10 5.57 7.63 12 '10 11.91 3.73 91 '10Avg Assets 4.55 4.44 54 '09 4.40 4.58 38 '09 5.87 7.76 14 '09 12.05 3.77 91 '09

5.51 5.02 82 '08 5.23 4.99 71 '08 8.12 8.16 51 '08 11.04 3.92 89 '08Interest-Bearing BankBalances: Avg Assets Interest Bearing Bank All other securities Agriculture Loans Agriculture Loans:

Balances (Yield On) (yield on) (yield on) Avg Gross Lns & LeasesFederal Funds Sold 0.29 0.30 64 '12 2.09 3.27 12 '12 6.30 5.81 70 '12 4.16 2.09 79 '12Avg Assets 0.26 0.33 54 '11 2.58 3.65 13 '11 6.39 6.03 68 '11 6.26 2.00 83 '11

0.31 0.39 61 '10 3.99 3.86 55 '10 6.36 6.20 59 '10 7.27 1.79 86 '10Trading Acct Securities: 0.41 0.63 59 '09 4.65 4.10 77 '09 5.96 6.27 41 '09 7.25 1.54 88 '09Avg Assets 100.00 2.22 99 '08 4.82 4.27 77 '08 6.79 7.01 44 '08 8.84 1.40 91 '08

Equity Securities: Federal Funds SoldAvg Assets (Yield On)

0.00 0.17 20 '120.00 0.18 17 '110.00 0.21 13 '100.00 0.24 8 '092.61 2.10 85 '08

Interest ExpenseAvg Assets

0.44 0.66 22 '120.80 0.90 39 '111.03 1.22 32 '101.49 1.68 34 '092.24 2.36 41 '08

Page 2

Transactions Accounts All other time deposits(cost of) (cost of)

Total Interest Bearing 0.25 0.31 48 '12 0.93 1.28 21 '12Deposits (cost of) 0.44 0.41 62 '11 1.32 1.63 26 '11

0.60 0.76 31 '12 0.60 0.54 64 '10 1.62 2.09 17 '101.00 1.03 47 '11 0.53 0.66 49 '09 2.24 2.89 11 '091.25 1.40 36 '10 0.88 1.09 44 '08 4.24 3.97 72 '081.80 1.98 37 '093.03 2.87 58 '08 Other savings & deposits Foreign Office Deposits

(cost of) (cost of)Interest Expense 0.22 0.36 29 '12 N/A 0.25 N/A '12Avg Earning Assets 0.47 0.50 49 '11 N/A 0.23 N/A '11

0.48 0.71 23 '12 0.57 0.70 40 '10 N/A 0.51 N/A '100.87 0.96 41 '11 0.78 0.92 44 '09 N/A 0.81 N/A '091.11 1.31 33 '10 1.83 1.56 67 '08 N/A 2.10 N/A '081.62 1.80 36 '092.38 2.52 40 '08 Time deps over $100M

(cost of)0.93 1.26 22 '121.43 1.57 40 '111.72 2.00 29 '102.59 2.79 35 '093.57 3.95 20 '08

Federal Funds Purchased& Repos (cost of)

0.00 0.55 17 '120.00 0.61 15 '110.18 0.78 19 '100.59 0.91 39 '091.77 2.32 25 '08

Other Borrowings (+ noteoption) (cost of)

3.73 2.56 73 '123.59 2.69 66 '113.59 3.09 57 '103.45 3.13 49 '093.30 3.67 32 '08

Subord Notes & Debentures (cost of)

N/A 4.65 N/A '12N/A 4.86 N/A '11N/A 5.21 N/A '10N/A 4.65 N/A '09N/A 5.24 N/A '08

Interest-bearing transaction Foreign office depositsaccts:avg assets avg assets19.55 7.69 91 '12 0.00 0.07 99 '1214.40 6.91 83 '11 0.00 0.10 98 '1112.67 6.17 83 '10 0.00 0.11 98 '1014.09 5.76 89 '09 0.00 0.11 98 '099.50 4.94 83 '08 0.00 0.21 98 '08

Interest-Bearing Funds Interest-bearing non-trans Other borrowings:Avg Assets accts:avg assets avg assets67.58 78.23 11 '12 56.56 79.60 8 '12 0.00 0.25 80 '1270.11 79.79 11 '11 61.61 82.20 8 '11 0.00 0.03 67 '1172.88 81.05 12 '10 66.07 84.58 8 '10 0.00 0.07 63 '1076.38 81.67 19 '09 68.68 85.83 7 '09 0.00 0.14 59 '0973.95 80.74 14 '08 72.99 86.85 10 '08 0.01 0.11 63 '08

Federal funds & repos Subord notes & debenturesavg assets avg assets

0.00 1.08 41 '12 0.00 0.03 96 '120.00 1.27 38 '11 0.00 0.05 95 '110.65 1.35 52 '10 0.00 0.00 94 '100.00 1.52 29 '09 0.00 0.00 94 '090.24 1.95 28 '08 0.00 0.00 93 '08

Page 3

BANK FIVE

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Table of ContentsOCC Charter # 0 County: FIVE December 31, 2012 Uniform Bank Performance ReportPublic Report

InformationIntroduction Table of ContentsThis uniform bank performance report covers the operations of a bank and that of a Sectioncomparable group of peer banks. It is provided as a bank management tool by the Federal Cover PageFinancial Institutions Examination Council. Detailed information Summary Ratios--Page 1concerning the content of this report is provided in the Users Guide for the Uniform Income Statement $--Page 2Bank Performance Report found online at www.ffiec.gov. Noninterest Income, Expenses and Yields--Page 3This report has been produced for the use of the federal regulators of financial Balance Sheet $--Page 4institutions in carrying out their supervisory responsibilities. All information contained herein Off Balance Sheet Items--Page 5was obtained from sources deemed reliable however no guarantee is given as to Derivative Instruments--Page 5Athe accuracy of the data. The information contained in this report are not to be construed Derivative Analysis--Page 5Bas a rating or other evaluation of a financial institution by a federal banking regulator. Balance Sheet Percentage Composition--Page 6The quarterly report of condition and income is the principal source of information Analysis of Credit Allowance and Loan Mix--Page 7for this report. Please refer to that document for additional financial information and Analysis of Credit Allowance and Loan Mix--Page 7Aan explanation of the accounting standards that underlie data shown herein. Analysis of Concentrations of Credit--Page 7BFor questions regarding content of reports contact: Analysis of Past Due, Nonaccrual & Restructured--Page 81-888-237-3111 or email: cdr.help@ffiec.gov Analysis of Past Due, Nonaccrual & Restructured--Page 8A

Interest Rate Risk Analysis as a Percent of Assets--Page 9Financial Institution Address: Liquidity & Funding--Page 10FIVE BANK Liquidity & Investment Portfolio--Page 10A5555 E 55TH ST Capital Analysis--Page 11FIVE TX Capital Analysis--Page 11A55555- One Quarter Annualized Income Analysis--Page 12

Securitization & Asset Sale Activities--Page 13The Current Federal Regulator is: Securitization & Asset Sale Activities--Page 13AFederal Deposit Insurance Corporation Securitization & Asset Sale Activities--Page 13B

Fiduciary & Related Services--Page 14The bank was established on: 9/3/1947 Fiduciary & Related Services--Page 14A

The current peer group for this bank is: 4Insured commercial banks having assets between $100 million and $300 million, with 3 or Bank Holding Company Information:more full service banking offices and located in a metropolitan statistical area FRB District / ID_RSSD 11 / 0

FootNotes:Financial data in the Uniform Bank Performance Report may have been adjusted as a result of information shown in footnotes below. Please refer to theUniform Bank Performance Report Users Guide online for details.

Bank has elected Subchapter S tax treatment during one or more of the quarters listed.The UBPR will display ratio Net Income Adjusted for Subchapter S on Summary Ratios and One Quarter Annualized Income Analysis pages.

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Summary RatiosOCC Charter # 0 County: FIVE Summary Ratios--Page 1Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Earnings and Profitability BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Percent of Average Assets: Interest Income (TE) 3.88 4.25 26 4.36 4.56 35 4.86 4.82 52 5.06 5.22 37 5.76 6.00 31 - Interest Expense 0.09 0.63 1 0.22 0.87 2 0.38 1.18 2 0.48 1.65 1 1.12 2.31 2 Net Interest Income (TE) 3.79 3.61 62 4.14 3.69 81 4.48 3.65 91 4.58 3.58 92 4.63 3.69 91 + Noninterest Income 1.62 0.69 91 1.49 0.63 91 1.50 0.64 93 1.30 0.66 89 1.16 0.70 84 - Noninterest Expense 3.71 3.32 72 3.83 3.33 75 4.20 3.34 85 4.36 3.29 89 4.36 3.24 90 - Provision: Loan & Lease Losses 0.14 0.29 35 0.16 0.51 25 0.20 0.78 19 0.21 0.94 16 0.15 0.56 23 Pretax Operating Income (TE) 1.56 0.75 85 1.64 0.48 88 1.58 0.19 88 1.32 0.01 79 1.29 0.61 68 + Realized Gains/Losses Sec 0.00 0.07 37 0.02 0.05 52 0.00 0.05 45 0.21 0.04 90 0.00 -0.01 63 Pretax Net Operating Income (TE) 1.56 0.84 82 1.65 0.54 88 1.58 0.25 87 1.53 0.03 86 1.29 0.54 70 Net Operating Income 1.54 0.65 91 1.63 0.37 93 1.56 0.13 93 1.51 -0.01 94 1.29 0.40 85 Adjusted Net Operating Income 1.67 0.59 91 1.75 0.38 93 1.71 0.24 94 1.67 0.24 94 1.44 0.62 87 Net Inc Attrib to Min Ints 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 N/A 0.00 N/A Net Income Adjusted Sub S 1.03 0.56 81 1.09 0.31 88 1.04 0.07 87 1.01 -0.06 86 0.85 0.34 71 Net Income 1.54 0.64 91 1.63 0.38 93 1.56 0.13 93 1.51 -0.01 94 1.29 0.41 85

Margin Analysis: Avg Earning Assets to Avg Assets 92.17 92.37 44 90.42 92.55 25 89.16 92.32 17 94.00 92.92 62 91.92 93.43 26 Avg Int-Bearing Funds to Avg Assets 45.94 74.26 0 50.28 75.75 1 54.15 77.13 1 54.12 77.38 0 52.65 76.61 0 Int Inc (TE) to Avg Earn Assets 4.21 4.62 25 4.82 4.94 41 5.45 5.24 64 5.39 5.62 33 6.26 6.42 39 Int Expense to Avg Earn Assets 0.10 0.69 1 0.24 0.94 2 0.42 1.28 2 0.52 1.78 0 1.22 2.47 2 Net Int Inc-TE to Avg Earn Assets 4.11 3.92 63 4.58 4.00 84 5.02 3.96 94 4.87 3.85 90 5.04 3.96 91

Loan & Lease Analysis: Net Loss to Average Total LN&LS 0.00 0.52 10 0.08 0.82 12 0.08 0.98 10 0.08 0.99 10 0.00 0.48 3 Earnings Coverage of Net Losses (X) 790.40 7.92 99 37.22 5.85 93 35.88 4.80 94 32.17 4.95 94 N/A 11.45 N/A LN&LS Allowance to LN&LS Not HFS 1.49 1.91 33 1.46 1.99 30 1.31 1.97 25 1.18 1.71 26 1.00 1.39 22 LN&LS Allowance to Net Losses (X) 423.80 7.01 99 18.41 5.13 91 17.83 3.92 94 16.02 3.98 92 N/A 7.55 N/A LN&LS Allowance to Total LN&LS 1.40 1.89 30 1.42 1.97 29 1.30 1.95 25 1.16 1.70 25 0.99 1.38 21 Total LN&LS-90+ Days Past Due 0.75 0.07 95 0.19 0.09 77 0.32 0.12 81 0.34 0.17 77 0.56 0.19 83 -Nonaccrual 0.33 2.23 15 0.12 2.77 6 0.00 3.09 3 0.04 2.66 5 0.00 1.88 4 -Total 1.08 2.37 35 0.30 2.93 8 0.32 3.30 7 0.38 2.95 10 0.56 2.18 22

Liquidity Net Non Core Fund Dep New $250M -19.10 -1.59 11 -12.89 0.90 13 -3.52 3.25 28 14.75 21.87 30 14.31 26.18 21 Net Loans & Leases to Assets 58.24 61.73 37 56.75 63.16 27 61.42 65.44 35 64.50 68.04 36 60.50 71.38 18

Capitalization Tier One Leverage Capital 6.92 9.80 8 7.71 9.57 15 8.38 9.16 33 9.55 9.09 63 9.20 9.34 54 Cash Dividends to Net Income 82.71 25.49 88 71.14 20.86 89 89.46 20.86 95 74.13 25.18 85 76.62 38.09 77 Retained Earnings to Avg Total Equity 3.39 2.96 47 5.63 0.75 73 1.72 -2.11 44 3.87 -3.30 68 2.97 0.13 57 Rest+Nonac+RE Acq to Eqcap+ALLL 24.60 30.13 52 15.33 36.19 32 12.09 41.41 21 0.25 32.56 2 0.36 19.35 4

Growth Rates Total Assets 15.88 3.20 90 13.70 1.91 91 13.67 1.13 91 0.97 4.87 33 21.15 6.07 91 Tier One Capital 3.93 4.25 46 6.28 3.56 64 -2.43 1.95 23 7.02 2.29 69 2.65 3.09 45 Net Loans & Leases 18.92 0.95 92 5.05 -2.12 78 8.24 -3.09 87 7.65 0.25 78 40.64 6.93 97 Short Term Investments 43.11 37.85 65 165.84 27.84 89 339.95 52.07 92 -49.73 167.78 11 50.31 8.64 75 Short Term Non Core Funding -34.65 -3.64 25 -74.69 -59.10 29 -3.12 -11.37 64 -4.09 -1.52 48 17.27 17.52 56

Average Total Assets 236,430 204,989 179,085 173,228 156,739 Total Equity Capital 18,663 18,027 16,170 17,641 17,174 Net Income 3,632 3,347 2,798 2,617 2,027

Number of banks in Peer Group 719 736 769 779 812

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Income Statement $OCC Charter # 0 County: FIVE Income Statement $--Page 2Public Report

Percent Change12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Year

Interest and Fees on Loans 8,041 7,339 7,118 6,588 6,429 1/9/1900 Income From Lease Financing 0 0 0 0 0 N/A Tax-Exempt 0 0 0 0 0 N/A Estimated Tax Benefit 0 0 0 0 0 N/A Income on Loans & Leases (TE) 8,041 7,339 7,118 6,588 6,429 9.57

US Treas & Agency (Excl MBS) 182 676 591 1,117 1,309 -73.08 Mortgage Backed Securities 421 457 626 815 1,085 -7.88 Estimated Tax Benefit 64 40 32 30 0 59.49 All Other Securities 356 350 297 202 68 1.71 Tax-Exempt Securities Income 134 85 71 68 68 57.65 Investment Interest Income (TE) 1,023 1,523 1,546 2,164 2,462 -32.8

Interest on Due From Banks 95 52 20 5 0 82.69 Int on Fed Funds Sold & Resales 0 0 1 12 126 N/A Trading Account Income 0 0 0 0 0 N/A Other Interest Income 16 15 10 4 4 6.67

Total Interest Income (TE) 9,175 8,929 8,695 8,773 9,021 2.76

Int on Deposits in Foreign Off N/A N/A N/A N/A N/A N/A Interest on Time Dep Over $100M 131 244 362 430 873 -46.31 Interest on All Other Deposits 89 202 310 409 885 -55.94 Int on Fed Funds Purch & Repos 0 0 4 1 0 N/A Int Trad Liab & Oth Borrowings 0 0 0 0 0 N/A Int on Sub Notes & Debentures 0 0 0 0 0 N/A

Total Interest Expense 220 446 676 840 1,758 -50.67

Net Interest Income (TE) 8,955 8,483 8,019 7,933 7,263 5.57 Non-interest Income 3,833 3,046 2,695 2,255 1,824 25.84 Adjusted Operating Income (TE) 12,788 11,529 10,714 10,188 9,087 10.92

Non-Interest Expense 8,772 7,841 7,525 7,552 6,836 11.87 Provision: Loan & Lease Losses 320 333 359 357 230 -3.9 Pretax Operating Income (TE) 3,696 3,355 2,830 2,279 2,021 10.17

Realized G/L Hld-to-Maturity Sec 0 0 0 0 0 N/A Realized G/L Avail-for Sale Sec 0 32 0 368 6 -100 Pretax Net Operating Inc (TE) 3,696 3,387 2,830 2,647 2,027 9.13

Applicable Income Taxes 0 0 0 0 0 N/A Current Tax Equiv Adjustment 64 40 32 30 0 59.49 Other Tax Equiv Adjustments 0 0 0 0 0 N/A Applicable Income Taxes (TE) 64 40 32 30 0 59.49

Net Operating Income 3,632 3,347 2,798 2,617 2,027 8.52

Net Extraordinary Items 0 0 0 0 0 N/A Net Inc Noncontrolling Minority Interests 0 0 0 0 N/A N/A Net Income 3,632 3,347 2,798 2,617 2,027 8.52

Cash Dividends Declared 3,004 2,381 2,503 1,940 1,553 26.17 Retained Earnings 628 966 295 677 474 -34.99 Memo: Net International Income N/A N/A N/A N/A N/A N/A

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Non Int Inc, Exp, YieldsOCC Charter # 0 County: FIVE Noninterest Income, Expenses and Yields--Page 3Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Average Assets BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Personnel Expense 2.37 1.70 90 2.35 1.67 92 2.52 1.65 95 2.56 1.65 96 2.66 1.73 95 Occupancy Expense 0.35 0.43 31 0.41 0.44 45 0.48 0.45 58 0.48 0.46 57 0.44 0.47 44 Other Oper Exp (Incl Intangibles) 0.99 1.16 37 1.06 1.19 43 1.20 1.21 56 1.31 1.16 71 1.26 1.01 78 Total Overhead Expense 3.71 3.32 72 3.83 3.33 75 4.20 3.34 85 4.36 3.29 89 4.36 3.24 90 Overhead Less Nonint Inc 2.09 2.58 23 2.34 2.66 33 2.70 2.65 56 3.06 2.60 75 3.20 2.50 83 Other Income & Expense Ratios: Efficiency Ratio 68.59 76.82 34 68.01 76.82 33 70.23 78.35 40 74.12 78.56 48 75.23 73.87 56 Avg Personnel Exp Per Empl($000) 65.89 64.70 58 66.04 62.01 66 65.48 60.54 70 61.68 59.04 63 60.42 57.77 63 Assets Per Employee ($Million) 3.01 3.97 20 3.03 3.89 23 2.82 3.81 18 2.38 3.78 5 2.46 3.56 11

Yield on or Cost of: Total Loan & Leases (TE) 5.82 5.82 53 6.14 6.02 62 6.13 6.16 50 6.22 6.30 48 7.25 7.01 68 Loans in Domestic Offices 5.82 5.80 53 6.14 6.00 63 6.13 6.14 51 6.22 6.28 50 7.25 6.99 68 Real Estate 5.43 5.76 30 6.31 5.95 72 6.30 6.10 64 6.27 6.26 53 6.93 6.92 53 Secured by 1-4 Fam Resi Prop 5.05 5.69 27 5.28 5.92 25 5.93 6.11 45 7.00 6.36 74 7.33 6.92 65 All Other Loans Sec Real Estate 5.63 5.80 40 6.88 5.97 91 6.53 6.09 72 5.83 6.21 30 6.66 6.95 36 Commercial & Industrial 5.93 6.07 50 5.97 6.29 41 5.58 6.42 19 5.93 6.38 35 7.33 7.15 62 Individual 8.18 7.54 68 6.90 7.85 33 6.84 7.90 27 7.69 7.98 44 8.34 8.38 49 Credit Card N/A 10.25 N/A N/A 9.67 N/A N/A 9.35 N/A N/A 9.45 N/A N/A 10.40 N/A Agricultural N/A 5.75 N/A N/A 6.21 N/A N/A 6.36 N/A N/A 6.43 N/A N/A 7.05 N/A Loans in Foreign Offices N/A 0.00 N/A N/A 5.96 N/A N/A 5.63 N/A N/A 6.38 N/A N/A 7.04 N/A Total Investment Securities (TE) 2.52 2.54 52 3.25 3.07 57 3.92 3.59 63 4.39 4.34 51 5.10 4.94 61 Total Investment Securities (Book) 2.36 2.27 55 3.16 2.80 67 3.84 3.31 73 4.33 4.07 62 5.10 4.63 82 US Treas & Agency (Excl MBS) 1.62 1.67 48 2.71 2.09 74 3.50 2.64 75 4.16 3.59 65 5.34 4.58 84 Mortgage Backed Securities 2.57 2.17 71 3.49 3.02 72 4.02 3.64 65 4.60 4.48 55 4.92 4.91 48 All Other Securities 2.75 3.22 29 3.93 3.60 64 4.27 3.88 72 4.26 4.01 67 3.90 4.16 38 Interest-Bearing Bank Balances 0.25 0.35 43 0.28 0.37 55 0.53 0.51 64 0.27 0.81 44 N/A 2.28 N/A Federal Funds Sold & Resales N/A 0.22 N/A N/A 0.23 N/A 0.78 0.20 93 0.22 0.20 56 1.80 2.13 19 Total Interest Bearing Deposits 0.20 0.78 1 0.43 1.06 4 0.70 1.43 4 0.90 2.05 2 2.13 2.96 11 Transaction accounts 0.02 0.27 1 0.04 0.36 1 0.07 0.47 3 0.05 0.60 1 0.09 0.97 0 Other Savings Deposits 0.06 0.37 0 0.19 0.54 7 0.34 0.75 12 0.51 1.02 14 1.47 1.67 41 Time Deps Over $100M 0.67 1.24 7 0.96 1.55 8 1.69 1.98 28 1.81 2.81 5 3.42 3.98 15 All Other Time Deposits 0.37 1.21 0 0.87 1.56 6 0.86 2.04 1 1.50 2.85 1 3.09 3.97 4 Foreign Office Deposits N/A 0.00 N/A N/A 0.39 N/A N/A 0.50 N/A N/A 1.14 N/A N/A 2.83 N/A

Federal Funds Purchased & Repos N/A 0.36 N/A N/A 0.46 N/A 0.82 0.53 67 1.52 0.71 83 0.00 2.11 10 Other Borrowed Money N/A 2.40 N/A N/A 2.59 N/A N/A 2.77 N/A N/A 2.97 N/A N/A 3.71 N/A Subord Notes & Debentures N/A 5.66 N/A N/A 6.10 N/A N/A 9.98 N/A N/A 5.87 N/A N/A 7.09 N/A All Interest-Bearing Funds 0.20 0.85 1 0.43 1.14 3 0.70 1.52 4 0.90 2.13 2 2.13 3.01 9

Non-interest Income & Expenses Fiduciary Activities 913 852 815 732 509 Deposit Service Charges 671 629 648 677 644 Trading, Vent Cap, Securtz Inc 0 0 0 0 0 Inv Banking, Advisory Inc 0 0 0 0 0 Insurance Comm & Fees 0 0 0 0 0 Net Servicing Fees 0 0 0 0 0 Loan & Lse Net Gains/Loss 1,155 562 540 488 263 Other Net Gains/Losses 0 -7 0 -16 -1 Other Non-interest Income 1,094 1,010 692 374 409 Non-interest Income 3,833 3,046 2,695 2,255 1,824 Personnel Expense 5,601 4,821 4,518 4,441 4,169 Occupancy Expense 830 846 854 837 694 Goodwill Impairment 0 0 0 0 0 Other Intangible Amortiz 47 47 47 47 31 Other Oper Exp(incl Intangibles) 2,294 2,127 2,106 2,227 1,942 Non-Interest Expense 8,772 7,841 7,525 7,552 6,836 Domestic Banking Offices(#) 5 5 5 5 5 Foreign Branches (#) 0 0 0 0 0 Assets Per Domestic Office 51,246 44,223 38,894 34,217 33,887

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Balance Sheet $OCC Charter # 0 County: FIVE Balance Sheet $--Page 4Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year Assets: Real Estate Loans 71,089 53,185 46,935 47,475 37,279 7.55 33.66 Commercial Loans 70,909 63,889 62,831 54,193 56,788 4.91 10.99 Individual Loans 9,258 10,184 11,167 9,781 9,442 -6.85 -9.09 Agricultural Loans 0 0 0 0 0 N/A N/A Other LN&LS in Domestic Offices 90 26 79 203 21 26.76 246.15 LN&LS in Foreign Offices N/A N/A N/A N/A N/A N/A N/A Loans Held for Sale 8,670 3,389 1,400 1,501 1,633 182.69 155.83 Loans not Held for Sale 142,676 123,895 119,612 110,151 101,897 1.45 15.16 LN&LS Allowance 2,119 1,804 1,569 1,298 1,022 4.44 17.46 Net Loans & Leases 149,227 125,480 119,443 110,354 102,508 5.33 18.92 U.S. Treasury & Agency Securities 29,615 36,605 37,704 38,071 45,709 12.36 -19.10 Municipal Securities 14,252 5,665 2,028 1,797 1,735 32.66 151.58 Foreign Debt Securities 0 0 0 0 0 N/A N/A All Other Securities 3,610 6,177 6,826 4,853 0 -36.15 -41.56 Interest-Bearing Bank Balances 36,002 27,243 10,148 2,003 0 -20.59 32.15 Federal Funds Sold & Resales 0 0 0 0 4,840 N/A N/A Trading Account Assets 0 0 0 0 0 N/A N/A Total Investments 83,479 75,690 56,706 46,724 52,284 -5.24 10.29 Total Earning Assets 232,706 201,170 176,149 157,078 154,792 1.28 15.68

Nonint Cash & Due From Banks 9,804 7,317 5,470 5,002 7,725 47.05 33.99 Premises, Fix Assts, Cap Leases 6,630 6,497 6,622 6,832 5,521 3.67 2.05 Other Real Estate Owned 0 0 72 0 63 N/A N/A Dir & Indir Inv RE Ventures 0 0 0 0 0 N/A N/A Inv in Unconsolidated Subs 0 0 0 0 0 N/A N/A Acceptances & Oth Assets 7,094 6,131 6,161 2,173 1,337 8.72 15.71 Total Assets 256,234 221,115 194,474 171,085 169,438 2.76 15.88 Average Assets During Quarter 257,215 222,100 192,667 173,280 168,102 5.55 15.81

Liabilities: Demand Deposits 123,426 97,114 78,552 57,839 64,355 5.41 27.09 All Now & ATS Accounts 9,862 9,760 7,037 9,435 6,278 25.57 1.05 Money Market Deposit Accounts 61,240 53,763 51,311 47,227 42,349 -0.05 13.91 Other savings Deposits 10,770 7,721 5,357 3,630 3,592 5.28 39.49 Time Deps At Or Below Insurance Limit 27,178 27,614 30,315 9,467 8,768 -1.75 -1.58 Less: Fully Insured Brokered Deposits 0 0 0 0 0 N/A N/A Core Deposits 232,476 195,972 172,572 127,598 125,342 3.73 18.63 Fully Insured Brokered Deposits 0 0 0 0 0 N/A N/A Time Deps Above Insurance Limit 4,050 6,188 4,881 24,017 26,313 -23.66 -34.55 Deposits in Foreign Offices 0 0 0 0 0 N/A N/A Total Deposits 236,526 202,160 177,453 151,615 151,655 3.10 17.00 Federal Funds Purch & Resale 0 0 0 1,220 0 N/A N/A Fed Home Loan Bor Mat < 1 Year 0 0 0 0 0 N/A N/A Fed Home Loan Bor Mat > 1 Year 0 0 0 0 0 N/A N/A Oth Borrowing Mat < 1 Year 0 0 0 0 0 N/A N/A Oth Borrowing Mat > 1 Year 0 0 0 0 0 N/A N/A Acceptances & Other Liabilities 1,045 928 851 609 608 15.22 12.61 Total Liabilities (Incl Mortg) 237,571 203,088 178,304 153,444 152,263 3.15 16.98 Subordinated Notes & Debentures 0 0 0 0 0 N/A N/A Total Bank Capital & Min Int 18,663 18,027 16,170 17,641 17,174 -1.93 3.53 Total Liabilities & Capital 256,234 221,115 194,474 171,085 169,437 2.76 15.88

Memoranda: Officers, Shareholder Loans (#) 2 2 3 3 4 Officers, Shareholder Loans ($) 2,637 3,183 6,156 5,342 5,198 -0.42 -17.15 Held-to-Maturity Securities 5 6 8 9 10 -16.67 -16.67 Available-for-Sale Securities 47,472 48,441 46,550 44,712 47,434 11.05 -2.00 All Brokered Deposits 0 0 0 0 0 N/A N/A

Percent Change

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Off Balance Sheet ItemsOCC Charter # 0 County: FIVE Off Balance Sheet Items--Page 5Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year Outstanding (% of Total) BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Home Equity (1-4 Family) 0.00 1.32 16 0.00 1.33 18 0.00 1.35 17 0.00 1.39 15 0.00 1.51 16 Credit Card 0.00 0.08 81 0.00 0.09 79 0.00 0.10 79 0.00 0.11 78 0.00 0.12 76 Commercial RE Secured by RE 4.67 1.59 91 3.38 1.29 89 4.37 1.25 94 1.49 1.57 55 1.54 2.48 38 1-4 Family Residential 0.00 0.52 19 0.00 0.39 20 0.00 0.38 20 0.00 0.46 16 0.00 0.73 12 Comml RE, Oth Const & Land 4.67 0.97 95 3.38 0.80 96 4.37 0.78 96 1.49 0.93 71 1.54 1.49 56 Commercial RE Not Secured by RE 0.00 0.00 92 0.00 0.00 91 0.00 0.00 91 0.00 0.00 90 0.00 0.01 87 All Other 13.39 4.21 97 9.73 4.03 91 9.10 4.07 90 11.19 4.31 95 10.57 4.77 91 Total LN&LS Commitments 18.06 7.91 95 13.11 7.41 89 13.47 7.46 90 12.68 8.07 84 12.10 9.66 70 Securities Underwriting 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

Standby Letters of Credit 0.00 0.20 17 0.00 0.24 16 0.00 0.25 16 0.00 0.28 15 0.00 0.35 15 Amount Conveyed to Others N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A 0.00 0.01 95 Commercial Letters of Credit 0.28 0.01 95 0.29 0.00 96 0.31 0.01 95 0.29 0.01 95 0.10 0.01 90

Assets Securitized or Sold w/Rec 11.96 0.11 97 3.90 0.11 94 0.00 0.09 88 0.00 0.08 88 0.00 0.07 89 Amount of Recourse Exposure 11.96 0.01 99 3.90 0.01 98 0.00 0.01 89 0.00 0.00 89 0.00 0.00 90

Credit Derivatives Bank as Guarantor 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.01 99 Credit Derivatives Bank as Beneficiary 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99

All Oth Off-Balance Sheet Items 0.00 0.09 90 0.00 0.09 90 0.00 0.09 89 0.00 0.09 89 0.00 0.06 90

Off-Balance Sheet Items 30.30 9.23 97 17.31 8.77 89 13.78 8.86 81 12.97 9.49 77 12.20 11.10 61

Outstanding ($000) Home Equity (1-4 Family) 0 0 0 0 0 N/A N/A Credit Card 0 0 0 0 0 N/A N/A Commercial RE Secured by RE 11,966 7,469 8,494 2,552 2,602 -15.42 60.21 1-4 Family Residential 0 0 0 0 0 N/A N/A Commercial RE, Oth Const & Land 11,966 7,469 8,494 2,552 2,602 -15.42 60.21 Commercial RE Not Secured by RE 0 0 0 0 0 N/A N/A All Other 34,303 21,520 17,701 19,144 17,906 11.36 59.40 Securities Underwriting 0 0 0 0 0 N/A N/A Memo: Unused Commit w/mat GT 1 YR 797 2,131 2,191 545 626 -46.51 -62.60

Standby Letters of Credit 0 0 0 0 0 N/A N/A Amount Conveyed to Others N/A N/A N/A N/A 0 N/A N/A Commercial Letters of Credit 715 647 603 493 169 -2.99 10.51

Assets Securitized or Sold w/recourse 30,649 8,630 0 0 0 53.18 255.14 Amount of Recourse Exposure 30,649 8,630 0 0 0 53.18 255.14

Credit Derivatives Bank as Guarantor 0 0 0 0 0 N/A N/A Credit Derivatives Bank as Beneficiary 0 0 0 0 0 N/A N/A

All Oth Off-Balance Sheet Items 0 0 0 0 0 N/A N/A

Off-Balance Sheet Items 77,633 38,266 26,798 22,189 20,677 18.17 102.88

Percent Change

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Derivative InstrumentsOCC Charter # 0 County: FIVE Derivative Instruments--Page 5APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Notional Amount ($000) Derivative Contracts 14,552 5,749 0 0 0 Interest Rate Contracts 14,552 5,749 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0

Derivatives Position Future and Forwards 7,922 3,388 0 0 0 Written Options 6,630 2,361 0 0 0 Exchange Traded 0 0 0 0 0 Over-the-Counter 6,630 2,361 0 0 0 Purchased Options 0 0 0 0 0 Exchange Traded 0 0 0 0 0 Over-the-Counter 0 0 0 0 0 Swaps 0 0 0 0 0

Held-for-Trading 14,552 5,749 0 0 0 Interest Rate Contracts 14,552 5,749 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0 Non-Traded 0 0 0 0 0 Interest Rate Contracts 0 0 0 0 0 Foreign Exchange Contracts 0 0 0 0 0 Equity, Comm & Oth Contracts 0 0 0 0 0 Memo: Marked-to-Market 0 0 0 0 0

Derivative Contracts (RBC Def) 7,922 2,361 0 0 0 One Year or Less 7,922 2,361 0 0 0 Over 1 Year to 5 Years 0 0 0 0 0 Over 5 Years 0 0 0 0 0

Gross Negative Fair Value 0 0 0 0 0 Gross Positive Fair Value 173 65 0 0 0 Held-for-Trading 173 65 0 0 0 Non-Traded 0 0 0 0 0 Memo: Marked-to-Market 0 0 0 0 0 Curr Credit Exp on RBC Derivatives Contr 0 0 0 0 0 Credit Losses Off_BS Derivatives N/A N/A N/A N/A N/A

Past Due Derivatives Instruments: Fair Value Carried as Assets N/A N/A N/A N/A N/A

Impact Nontraded Derivatives Contracts: Increase (Decr) in Interest Inc N/A N/A N/A N/A N/A Increase (Decr) in Interest Exp N/A N/A N/A N/A N/A Increase (Decr) in Nonint ALLOC N/A N/A N/A N/A N/A Increase (Decr) in Net Income N/A N/A N/A N/A N/A

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Derivative AnalysisOCC Charter # 0 County: FIVE Derivative Analysis--Page 5BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Notional Amounts BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Interest Rate Contracts 100.00 99.07 99 100.00 97.60 98 N/A 97.94 N/A N/A 97.65 N/A N/A 0.00 N/A Foreign Exchange Contracts 0.00 0.00 99 0.00 0.00 98 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Equity, Comm & Oth Contracts 0.00 0.93 97 0.00 2.40 95 N/A 2.06 N/A N/A 2.35 N/A N/A 0.00 N/A

Derivatives Position Futures and Forwards 54.44 19.63 66 58.93 24.11 70 N/A 25.15 N/A N/A 19.42 N/A N/A 19.88 N/A Written Options 45.56 23.68 55 41.07 24.40 48 N/A 25.32 N/A N/A 26.26 N/A N/A 24.43 N/A Exchange Traded 0.00 0.09 98 0.00 0.00 98 N/A 0.00 N/A N/A 0.39 N/A N/A 0.00 N/A Over-the-Counter 45.56 23.55 55 41.07 24.40 48 N/A 25.32 N/A N/A 26.92 N/A N/A 24.43 N/A Purchased Options 0.00 0.71 90 0.00 0.14 92 N/A 1.61 N/A N/A 0.00 N/A N/A 2.04 N/A Exchange Traded 0.00 0.06 98 0.00 0.00 98 N/A 0.00 N/A N/A 1.18 N/A N/A 1.22 N/A Over-the-Counter 0.00 0.65 91 0.00 0.14 92 N/A 1.61 N/A N/A 1.93 N/A N/A 2.01 N/A Swaps 0.00 2.20 79 0.00 0.93 83 N/A 0.00 N/A N/A 0.00 N/A N/A 2.66 N/A

Held-for-Trading 100.00 0.00 99 100.00 0.00 98 N/A 0.00 N/A N/A 0.00 N/A N/A 2.44 N/A Interest Rate Contracts 100.00 0.00 99 100.00 0.00 98 N/A 0.00 N/A N/A 0.00 N/A N/A 2.44 N/A Foreign Exchange Contracts 0.00 0.00 99 0.00 0.00 98 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Equity, Comm & Oth Contracts 0.00 0.00 99 0.00 0.00 98 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Non-Traded 0.00 0.00 6 0.00 0.00 8 N/A 0.00 N/A N/A 0.00 N/A N/A 97.56 N/A Interest Rate Contracts 0.00 11.11 7 0.00 6.79 10 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Foreign Exchange Contracts 0.00 0.00 99 0.00 0.00 98 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Equity, Comm & Oth Contracts 0.00 0.93 97 0.00 2.40 95 N/A 2.06 N/A N/A 2.35 N/A N/A 0.00 N/A Memo: Marked-to-Market 0.00 0.00 6 0.00 0.00 8 N/A 0.00 N/A N/A 0.00 N/A N/A 97.56 N/A

Derivative Contracts (RBC Def) 54.44 25.67 50 41.07 30.84 36 N/A 31.33 N/A N/A 24.33 N/A N/A 28.49 N/A One Year or Less 54.44 15.85 69 41.07 22.84 54 N/A 24.07 N/A N/A 17.96 N/A N/A 20.54 N/A Over 1 Year to 5 Years 0.00 1.73 87 0.00 1.19 85 N/A 2.41 N/A N/A 1.92 N/A N/A 5.04 N/A Over 5 Years 0.00 4.20 86 0.00 3.64 88 N/A 2.73 N/A N/A 1.35 N/A N/A 2.14 N/A

Gross Negative Fair Value 0.00 0.42 64 0.00 0.51 64 N/A 0.33 N/A N/A 0.33 N/A N/A 0.89 N/A Gross Positive Fair Value 1.19 0.56 78 1.13 0.57 78 N/A 0.36 N/A N/A 0.35 N/A N/A 0.29 N/A

By Tier One Capital: Gross Negative Fair Value (x) 0.00 0.00 94 0.00 0.00 95 0.00 0.00 96 0.00 0.00 96 0.00 0.00 95 Gross Positive Fair Value (x) 0.01 0.00 97 0.00 0.00 97 0.00 0.00 94 0.00 0.00 95 0.00 0.00 96 Held-for-Trading (x) 0.82 0.01 99 0.34 0.01 99 0.00 0.01 98 0.00 0.00 99 0.00 0.00 99 Non-Traded (x) 0.00 0.01 85 0.00 0.01 88 0.00 0.01 88 0.00 0.00 89 0.00 0.00 90 Non-Traded Marked-to-Mkt(x) 0.00 0.01 85 0.00 0.01 88 0.00 0.01 88 0.00 0.00 89 0.00 0.00 90 Current Credit Exposure (x) 0.00 0.00 97 0.00 0.00 97 0.00 0.00 97 0.00 0.00 97 0.00 0.00 98 Credit Losses on Derivatives N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Past Due Derivative Instruments: Fair Value Carried as Assets N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Other Ratios: Cur Credit Exposure/Risk WT AST 0.00 0.01 97 0.00 0.00 97 0.00 0.00 97 0.00 0.00 97 0.00 0.00 98 Credit Losses on Derivatives/CR Allow N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Impact Nontraded Derivatives Contracts: Incr(Dec) Interest Inc/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Interest Exp/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Nonint ALLOC/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Incr(Dec) Net Income/Net Inc N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Balance Sheet %OCC Charter # 0 County: FIVE Balance Sheet Percentage Composition--Page 6Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Average Assets BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Loans Held For Sale 1.68 0.19 93 0.72 0.14 89 0.79 0.15 88 0.91 0.13 91 0.87 0.09 93 Loans Not Held For Sale 57.09 62.62 32 58.44 64.98 29 64.45 67.45 38 60.61 70.37 20 56.24 71.68 12 Less: LN&LS Allowance 0.83 1.22 25 0.82 1.28 23 0.79 1.24 21 0.67 1.06 16 0.59 0.90 14 Net Loans & Leases 57.94 62.02 34 58.34 64.09 30 64.45 66.61 38 60.86 69.60 22 56.53 71.04 13

Interest-Bearing Bank Balances 15.17 6.28 88 9.53 5.70 75 3.03 4.61 45 0.92 2.30 40 0.00 0.69 13 Federal Funds Sold & Resales 0.00 1.16 41 0.00 1.31 31 0.29 1.66 35 2.00 1.98 56 3.38 2.26 71 Trading Account Assets 0.00 0.02 98 0.00 0.02 98 0.00 0.03 98 0.00 0.03 98 0.00 0.03 98 Held-to-Maturity Securities 0.00 0.61 68 0.00 0.75 66 0.00 0.82 64 0.01 0.96 62 0.01 1.05 61 Available-for-Sale Securities 18.26 18.27 53 23.01 16.68 71 23.39 14.97 75 27.88 13.32 86 31.47 13.60 90

Total Earning Assets 91.38 91.18 48 90.88 91.13 43 91.16 91.06 48 91.67 91.48 49 91.38 91.64 43

Nonint Cash & Due From Banks 3.14 2.40 74 2.87 2.25 74 2.93 2.26 75 3.66 2.49 83 4.63 2.72 91 Premises, Fix Assts & Cap Leases 2.73 2.24 64 3.22 2.24 75 3.76 2.24 85 3.74 2.31 83 3.06 2.36 71 Other Real Estate Owned 0.00 1.07 4 0.02 1.14 5 0.01 1.05 5 0.03 0.62 14 0.03 0.30 24 Dir & Indir Inv RE Ventures 0.00 0.00 99 0.00 0.00 98 0.00 0.01 98 0.00 0.01 95 0.00 0.02 96 Inv in Unconsolidated Subs 0.00 0.00 92 0.00 0.00 91 0.00 0.00 90 0.00 0.00 91 0.00 0.00 91 Acceptances & Other Assets 2.75 2.61 56 3.00 2.78 58 2.14 2.91 35 0.90 2.65 4 0.90 2.60 4 Total Non-Earning Assets 8.62 8.80 51 9.12 8.87 56 8.84 8.94 51 8.33 8.50 50 8.62 8.36 56 Total Assets 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Standby Letters of Credit 0.00 0.22 14 0.00 0.25 14 0.00 0.26 13 0.00 0.32 12 0.08 0.39 24

Liabilities Demand Deposits 46.09 14.44 99 41.71 12.99 99 36.76 11.73 99 35.62 11.18 99 37.01 11.45 99 All NOW & ATS Accounts 3.79 10.48 15 4.06 9.87 19 4.30 9.27 23 4.39 8.35 28 3.84 7.98 23 Money Market Deposit Accounts 24.09 15.51 79 24.63 14.65 83 26.78 13.63 89 27.69 12.44 92 25.81 12.16 89 Other Savings Deposits 3.98 9.06 26 3.33 8.75 25 2.38 8.29 21 2.13 7.65 20 1.89 7.76 19 Time Deps At or Below Insurance Limit 11.58 28.08 5 14.76 30.89 7 13.53 30.80 5 5.20 22.56 1 4.97 23.18 1 Less: Fully Insured Brokered Deposits 0.00 1.12 54 0.00 1.54 49 0.00 1.99 46 0.00 2.37 44 0.00 2.11 46 Core Deposits 89.53 79.74 96 88.49 78.63 94 83.75 74.58 90 75.03 62.47 88 73.52 62.97 82 Fully Insured Brokered Deposits 0.00 1.12 54 0.00 1.54 49 0.00 1.99 46 0.00 2.37 44 0.00 2.11 46 Time Deps Above Insurance Limit 2.25 4.09 30 2.77 4.49 35 6.10 7.40 40 13.99 17.49 34 15.90 16.54 50 Deposits in Foreign Offices 0.00 0.00 99 0.00 0.02 99 0.00 0.02 99 0.00 0.02 99 0.00 0.03 99 Total Deposits 91.78 85.81 94 91.25 85.62 93 89.85 84.93 84 89.02 83.57 85 89.42 82.94 89

Federal Funds Purch & Repos 0.00 0.40 60 0.00 0.43 58 0.14 0.52 61 0.57 0.67 65 0.00 0.92 35 Total Fed Home Loan Borrowings 0.00 2.12 35 0.00 2.51 31 0.00 3.23 27 0.00 4.33 21 0.00 4.40 21 Total Other Borrowings 0.00 0.01 88 0.00 0.02 80 0.00 0.04 75 0.00 0.04 77 0.00 0.04 75 Memo: Sht Ter N Core Funding 2.25 5.40 23 4.68 7.72 27 14.00 16.16 42 14.55 18.45 34 15.90 18.10 43

Acceptances & Other Liabilities 0.39 0.52 42 0.37 0.51 38 0.38 0.52 36 0.33 0.56 17 0.41 0.64 23 Total Liabilities (Incl Mortg) 92.16 89.69 88 91.63 89.98 81 90.37 90.26 46 89.91 90.30 35 89.83 90.11 35

Subordinated Notes & Debentures 0.00 0.02 98 0.00 0.01 98 0.00 0.01 98 0.00 0.01 98 0.00 0.02 97 Total Bank Capital & Min Int 7.84 10.28 11 8.38 10.01 18 9.63 9.73 53 10.09 9.68 65 10.17 9.87 64 Total Liabilities & Capital 100.00 100.00 93 100.00 100.00 91 100.00 100.00 92 100.00 100.00 7 100.00 100.00 8

Memo: All Brokered Deposits 0.00 1.30 52 0.00 1.76 48 0.00 2.38 45 0.00 3.13 41 0.00 2.40 44 Insured Brokered Deposits 0.00 1.12 54 0.00 1.54 49 0.00 2.06 47 0.00 2.37 44 0.00 2.11 46

Loans HFS as a % Loans 2.86 0.29 94 1.22 0.22 90 1.22 0.22 88 1.48 0.18 93 1.52 0.12 95

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Allowance & Loan Mix-aOCC Charter # 0 County: FIVE Analysis of Credit Allowance and Loan Mix--Page 7Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Analysis Ratios BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Loss Provision to Average Assets 0.14 0.29 35 0.16 0.51 25 0.20 0.78 19 0.21 0.94 16 0.15 0.56 23 Recoveries to Prior Credit Loss 1.75 15.44 14 16.16 12.06 72 13.41 11.05 69 2.63 18.11 20 37.14 28.22 68

Net Loss to Average Total LN&LS 0.00 0.52 10 0.08 0.82 12 0.08 0.98 10 0.08 0.99 10 0.00 0.48 3 Gross Loss to Average Total LN&LS 0.01 0.63 2 0.10 0.93 10 0.09 1.08 6 0.08 1.05 7 0.04 0.54 9 Recoveries to Average Total LN&LS 0.00 0.10 5 0.01 0.09 20 0.01 0.07 15 0.00 0.05 6 0.04 0.04 63

LN&LS Allowance to LN&LS Not HFS 1.49 1.91 33 1.46 1.99 30 1.31 1.97 25 1.18 1.71 26 1.00 1.39 22 LN&LS Allowance to Total LN&LS 1.40 1.89 30 1.42 1.97 29 1.30 1.95 25 1.16 1.70 25 0.99 1.38 21 LN&LS Allowance to Net Losses (X) 423.80 7.01 99 18.41 5.13 91 17.83 3.92 94 16.02 3.98 92 N/A 7.55 N/A LN&LS Allowance to Nonaccrual LN&LS (X) 4.25 1.63 88 12.27 1.36 96 N/A 1.20 N/A 27.62 1.34 97 340.67 1.82 99

Earnings Coverage of Net Losses (X) 790.40 7.92 99 37.22 5.85 93 35.88 4.80 94 32.17 4.95 94 N/A 11.45 N/A

Net Losses by Type of LN&LS Real Estate Loans 0.00 0.46 14 0.06 0.74 17 0.14 0.83 26 0.12 0.80 28 0.00 0.34 21 Loans to Finance Comml Real Estate N/A 0.00 N/A N/A 0.08 N/A N/A 0.01 N/A N/A 0.23 N/A N/A 0.20 N/A Construction & Land Development 0.00 0.90 55 0.00 1.83 44 0.00 2.25 39 0.00 1.98 40 0.00 0.71 53 1-4 Family Construction 0.00 0.17 82 0.00 0.99 71 0.00 1.39 64 0.00 1.79 58 0.00 0.50 67 Other Construction & Land N/A 0.92 N/A N/A 1.91 N/A N/A 2.28 N/A N/A 1.75 N/A 0.00 0.59 67 Secured by Farmland N/A 0.01 N/A N/A 0.01 N/A N/A 0.01 N/A 0.00 0.00 93 N/A 0.10 N/A Single & Multifamily Mortgage 0.00 0.44 24 0.16 0.64 35 0.35 0.65 51 0.00 0.59 24 0.00 0.25 36 Home Equity Loans N/A 0.29 N/A N/A 0.42 N/A N/A 0.38 N/A N/A 0.36 N/A N/A 0.12 N/A 1-4 Family Non-Revolving 0.00 0.46 29 0.16 0.65 38 0.35 0.66 53 0.00 0.57 29 0.00 0.24 42 Multifamily Loans 0.00 0.04 89 N/A 0.09 N/A N/A 0.15 N/A N/A 0.10 N/A N/A 0.00 N/A Non-Farm Non-Residential Mtg 0.00 0.32 42 0.00 0.47 36 0.00 0.42 42 0.20 0.33 65 0.00 0.12 67 Owner Occupied Nonfarm Nonresidential 0.00 0.23 59 0.00 0.34 52 0.00 0.31 56 0.20 0.19 74 0.00 0.07 79 Other Nonfarm Nonresidential 0.00 0.30 62 0.00 0.51 57 0.00 0.39 61 N/A 0.39 N/A 0.00 0.08 80 RE Loans in Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Agricultural Loans N/A 0.00 N/A N/A -0.01 N/A N/A 0.04 N/A N/A 0.12 N/A N/A 0.05 N/A Commercial and Industrial Loans 0.01 0.66 40 0.11 0.98 37 0.00 1.45 24 0.01 1.62 19 -0.01 0.67 11 Lease Financing N/A -0.44 N/A N/A 0.08 N/A N/A 1.02 N/A N/A 0.64 N/A N/A 0.03 N/A Loans to Individuals -0.01 0.54 16 0.04 0.81 28 0.23 0.89 35 0.27 1.06 30 0.02 0.83 18 Credit Card Plans N/A 1.54 N/A N/A 1.73 N/A N/A 2.11 N/A N/A 2.76 N/A N/A 1.85 N/A

All Other Loans & Leases 0.00 0.12 77 0.00 0.10 79 0.00 0.19 75 0.00 0.25 75 0.00 0.16 76 Loans to Foreign Governments N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Change: Credit Allowance ($000) Beginning Balance 1,804 1,569 1,298 1,022 843 Gross Credit Losses 7 114 99 82 38 Memo: Loans HFS Write-down 0 0 0 0 0 Recoveries 2 16 11 1 39 Net Credit Losses 5 98 88 81 -1

Provision: Loan & Lease Losses 320 333 359 357 230 Other Adjustments 0 0 0 0 -52 LN&LS Allowance 2,119 1,804 1,569 1,298 1,022

Average Total Loans & Leases 138,135 119,533 116,047 105,923 88,648

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Allowance & Loan Mix-bOCC Charter # 0 County: FIVE Analysis of Credit Allowance and Loan Mix--Page 7APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Loan Mix, % Average Gross LN&LS BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Construction & Development 3.76 7.25 28 2.81 7.97 17 2.74 9.48 13 1.79 11.71 7 2.36 13.94 8 1-4 Family Construction 3.76 1.68 84 2.81 1.78 72 2.74 2.34 63 1.79 3.47 36 2.07 4.90 28 Other Const & Land Development 0.00 5.23 4 0.00 5.82 4 0.00 6.82 4 0.00 7.84 4 0.29 8.57 6 1-4 Family Residential 15.55 27.56 20 15.42 27.11 20 15.27 26.90 20 13.95 26.37 19 11.12 25.04 17 Home Equity Loans 0.00 3.14 13 0.00 3.21 13 0.00 3.29 13 0.00 3.13 12 0.00 2.80 12 Other Real Estate Loans 24.76 42.50 10 23.28 41.60 10 22.27 39.56 10 23.57 37.09 14 20.97 34.80 12 Farmland 0.00 3.17 21 0.00 3.01 20 0.00 2.79 20 0.02 2.61 22 0.00 2.34 22 Multifamily 0.27 2.63 11 0.00 2.43 6 0.00 2.26 7 0.00 2.13 7 0.00 1.93 8 Non-Farm Non-Residential 24.49 34.67 26 23.28 34.30 24 22.27 32.79 24 23.54 30.71 30 20.97 28.89 27 Owner Occupied Non-Farm Non-Residential 15.54 18.66 38 18.36 18.76 48 18.19 18.16 51 23.54 16.99 77 18.14 15.74 61 Other Non-Farm Non-Residential 8.95 15.32 25 4.92 14.91 13 4.08 14.02 11 0.00 12.98 2 2.83 12.48 8 Total Real Estate 44.07 79.85 1 41.51 79.18 1 40.28 78.59 1 39.31 77.94 1 34.45 76.91 0

Financial Institution Loans 0.00 0.00 94 0.00 0.04 95 0.00 0.00 94 0.00 0.03 95 0.00 0.02 96 Agricultural Loans 0.00 1.60 37 0.00 1.52 37 0.00 1.40 39 0.00 1.36 38 0.00 1.33 38 Commercial & Industrial Loans 48.59 12.34 99 49.95 12.72 99 50.70 13.01 99 51.20 13.53 99 55.28 14.21 99 Loans to Individuals 7.28 3.18 86 8.45 3.53 87 8.88 3.86 87 9.26 4.01 87 9.98 4.37 87 Credit Card Loans 0.00 0.03 80 0.00 0.04 79 0.00 0.04 78 0.00 0.04 77 0.00 0.04 74 Municipal Loans 0.00 0.29 56 0.00 0.31 56 0.00 0.32 55 0.00 0.30 54 0.00 0.31 52 Foreign Office Loans & Leases 0.00 0.00 99 0.00 0.01 99 0.00 0.01 99 0.00 0.01 99 0.00 0.01 99 All Other Loans 0.06 0.17 55 0.09 0.18 64 0.13 0.17 66 0.23 0.18 75 0.29 0.19 75 Lease Financing Receivables 0.00 0.05 82 0.00 0.04 83 0.00 0.04 83 0.00 0.04 81 0.00 0.03 82

Supplemental: Loans to Foreign Governments 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Loans to Finance Comml Real Est 0.00 0.07 77 0.00 0.09 76 0.00 0.08 76 0.00 0.09 75 0.00 0.10 76

Memorandum (% of Avg Tot Loans): Loans & Lease Commitments 31.39 13.05 97 23.09 11.84 93 21.97 11.40 92 20.01 11.89 88 20.51 13.74 83 Officer, Shareholder Loans 1.79 2.00 52 2.54 1.87 66 5.16 1.94 89 4.93 1.92 87 5.20 1.92 89 Officer, Shareholder Loans to Assets 1.03 1.24 51 1.44 1.20 62 3.17 1.28 87 3.12 1.31 85 3.07 1.37 83

Other Real Estate Owned % Assets Construction & Land Development 0.00 0.42 27 0.00 0.44 27 0.00 0.40 29 0.00 0.24 37 0.00 0.09 51 Farmland 0.00 0.00 86 0.00 0.00 87 0.00 0.00 89 0.00 0.00 91 0.00 0.00 95 1-4 Family 0.00 0.15 21 0.02 0.19 26 0.01 0.19 21 0.00 0.13 22 0.00 0.08 32 Multifamily 0.00 0.01 85 0.00 0.01 84 0.00 0.01 81 0.00 0.01 86 0.00 0.00 91 Non-Farm Non-Residential 0.00 0.30 25 0.00 0.30 26 0.00 0.24 27 0.03 0.14 47 0.03 0.06 64 Foreclosed GNMA 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Subtotal 0.00 1.07 4 0.02 1.14 5 0.01 1.05 5 0.03 0.62 14 0.03 0.30 24 Direct and Indirect Inv 0.00 0.00 99 0.00 0.00 98 0.00 0.01 98 0.00 0.01 95 0.00 0.02 96 Total 0.00 1.07 4 0.02 1.15 5 0.01 1.05 5 0.03 0.62 13 0.03 0.30 23

Asset Servicing % Assets Mortgage Servicing w/ Recourse 0.00 0.00 93 0.00 0.01 93 0.00 0.01 93 0.00 0.01 93 0.00 0.00 93 Mortgage Servicing w/o Recourse 0.00 1.72 84 0.00 1.30 84 0.00 1.04 85 0.00 0.84 85 0.00 0.72 85 Other Financial Assets 0.00 0.06 92 0.00 0.06 92 0.00 0.05 92 0.00 0.03 93 0.00 0.02 93 Total 0.00 3.54 75 0.00 2.88 76 0.00 2.62 76 0.00 2.07 77 0.00 1.87 77

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Concentrations of CreditOCC Charter # 0 County: FIVE Analysis of Concentrations of Credit--Page 7BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Loan & Leases as a % of Total Capital BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Construction & Development 43.18 43.44 55 15.84 47.53 20 16.13 59.47 15 14.54 75.61 10 7.39 96.45 5 1-4 Family Construction 43.18 10.45 93 15.84 10.62 72 16.13 13.20 64 14.54 18.29 50 7.39 31.25 19 Other Const & Land Development 0.00 29.23 5 0.00 32.98 5 0.00 41.34 5 0.00 50.90 5 0.00 58.27 6 1-4 Family Residential 131.37 171.58 40 111.00 176.81 30 98.10 187.76 21 94.41 192.44 19 76.24 185.45 15 Home Equity Loans 0.00 19.20 14 0.00 21.31 14 0.00 24.03 14 0.00 24.12 13 0.00 22.22 14 Other Real Estate Loans 182.43 262.96 25 154.21 270.26 17 150.11 278.61 15 156.66 277.64 17 142.15 259.81 14 Farmland 0.00 18.83 23 0.00 18.20 22 0.00 18.45 22 0.00 18.24 23 0.00 16.90 24 Multifamily 5.46 16.85 29 0.00 16.59 7 0.00 16.84 8 0.00 16.35 8 0.00 14.75 10 Non-Farm Non-Residential 176.97 214.23 43 154.21 222.58 30 150.11 231.36 28 156.66 230.78 29 142.15 215.92 26 Owner Occupied Non-Farm Non-Residential 102.58 116.07 46 115.86 123.15 49 150.11 129.55 64 156.66 127.97 65 142.15 112.14 64 Other Non-Farm Non-Residential 74.39 95.33 41 38.35 97.23 20 0.00 100.22 2 0.00 98.43 2 0.00 91.88 3 Total Real Estate 356.98 484.50 22 281.06 500.46 8 264.33 531.25 5 265.61 554.63 4 225.78 561.22 3

Financial Institution Loans 0.00 0.28 96 0.00 0.40 95 0.00 0.26 95 0.00 0.28 97 0.00 0.21 97 Agricultural Loans 0.00 9.28 41 0.00 9.08 41 0.00 8.93 42 0.00 9.27 42 0.00 8.96 41 Commercial & Industrial Loans 356.08 77.45 99 337.63 82.72 98 353.86 90.92 98 303.19 97.15 97 343.94 102.39 98 Loans to Individuals 46.49 18.04 89 53.82 20.76 89 62.89 24.47 88 54.72 27.18 83 57.19 28.43 83 Credit Card Loans 0.00 0.20 81 0.00 0.22 80 0.00 0.23 80 0.00 0.25 79 0.00 0.29 77 Municipal Loans 0.00 1.58 59 0.00 1.72 59 0.00 1.99 58 0.00 1.90 58 0.00 2.14 56 Foreign Office Loans & Leases 0.00 0.00 99 0.00 0.04 99 0.00 0.04 99 0.00 0.03 99 0.00 0.04 99 All Other Loans 0.45 1.00 61 0.14 1.03 46 0.44 1.20 59 1.14 1.11 73 0.13 1.23 30 Lease Financing Receivables 0.00 0.30 84 0.00 0.23 85 0.00 0.26 84 0.00 0.28 83 0.00 0.27 84

Supplemental: Loans to Foreign Governments 0.00 0.02 99 0.00 0.02 99 0.00 0.02 99 0.00 0.02 99 0.00 0.02 99 Loans to Finance Commercial Real Estate 0.00 0.33 81 0.00 0.55 79 0.00 0.49 79 0.00 0.46 80 0.00 0.65 79

Commercial Real Estate Loans as a % of Total Capital: Non-owner OCC Commercial Real Estate 123.03 164.59 34 54.19 170.63 9 16.13 185.58 2 14.54 201.00 2 7.39 215.62 1 Total Commercial Real Estate 225.61 284.19 36 170.06 296.15 20 166.24 317.69 18 171.20 334.12 17 149.54 343.73 13

Commercial Real Estate Loans as a % of Total LN&LS: Construction & Development 5.68 7.13 43 2.36 7.40 17 2.37 8.64 14 2.33 10.43 10 1.18 13.03 4 Non-owner OCC Commercial Real Estate 16.19 26.87 21 8.06 26.65 7 2.37 27.03 1 2.33 27.78 1 1.18 29.48 0 Total Commercial Real Estate 29.69 46.50 20 25.28 46.51 14 24.39 46.58 13 27.41 46.51 16 23.85 47.02 11

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX PD, Nonacc & Rest Loans-aOCC Charter # 0 County: FIVE Analysis of Past Due, Nonaccrual & Restructured--Page 8Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 % of Non-Current LN&LS by Loan Type BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Real Estate LNS-90+ Days P/D 1.60 0.07 98 0.00 0.08 63 0.00 0.12 60 0.00 0.16 55 0.20 0.19 69 -Nonaccrual 0.56 2.30 22 0.00 2.90 6 0.00 3.23 5 0.10 2.79 9 0.00 1.97 9 -Total 2.16 2.44 52 0.00 3.24 4 0.00 3.63 3 0.10 3.24 6 0.20 2.26 12 -30-89 DAYS P/D 1.78 0.95 77 0.00 1.06 10 0.24 1.31 19 0.00 1.47 6 0.10 1.44 10

LNS Fin Coml RE-90+ Days P/D N/A 0.02 N/A N/A 0.06 N/A N/A 0.49 N/A N/A 0.02 N/A N/A 0.02 N/A -Nonaccrual N/A 1.67 N/A N/A 0.00 N/A N/A 1.01 N/A N/A 0.00 N/A N/A 0.01 N/A -Total N/A 1.69 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.01 N/A N/A 0.03 N/A -30-89 DAYS P/D N/A 0.19 N/A N/A 0.56 N/A N/A 0.60 N/A N/A 0.00 N/A N/A 0.01 N/A

Const & Land Dev-90+ Days P/D 0.00 0.00 93 0.00 0.00 93 0.00 0.01 90 0.00 0.07 86 0.00 0.11 84 -Nonaccrual 0.00 4.72 46 0.00 6.82 39 0.00 8.39 34 0.00 7.15 32 0.00 4.22 39 -Total 0.00 4.88 43 0.00 7.05 37 0.00 8.60 32 0.00 7.51 30 0.00 4.65 36 -30-89 DAYS P/D 0.00 0.50 67 0.00 0.60 63 3.98 0.88 87 0.00 1.34 50 2.95 1.42 76

1-4 Fam Cons & L Dev-90+ Days P/D 0.00 0.07 97 0.00 0.28 98 0.00 0.19 95 0.00 0.01 94 0.00 0.06 90 -Nonaccrual 0.00 1.25 82 0.00 3.47 72 0.00 4.89 67 0.00 5.82 61 0.00 3.62 61 -Total 0.00 1.33 80 0.00 3.70 71 0.00 5.03 66 0.00 6.21 59 0.00 4.13 59 -30-89 DAYS P/D 0.00 0.15 88 0.00 0.22 86 3.98 0.40 91 0.00 0.97 75 2.95 1.39 79

Other Const & Land Dev-90+ Days P/D N/A 0.19 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.03 N/A N/A 0.03 N/A -Nonaccrual N/A 5.25 N/A N/A 7.08 N/A N/A 9.18 N/A N/A 6.70 N/A N/A 3.81 N/A -Total N/A 5.44 N/A N/A 7.29 N/A N/A 9.39 N/A N/A 7.11 N/A N/A 4.13 N/A -30-89 DAYS P/D N/A 0.42 N/A N/A 0.56 N/A N/A 0.75 N/A N/A 1.13 N/A N/A 1.06 N/A

Single & Multi Mtg-90+ Days P/D 0.00 0.07 73 0.00 0.08 70 0.00 0.12 68 0.00 0.14 63 0.00 0.14 63 -Nonaccrual 1.45 1.80 56 0.00 1.96 16 0.00 2.18 17 0.28 1.75 27 0.00 1.17 22 -Total 1.45 1.95 52 0.00 2.14 14 0.00 2.40 12 0.28 2.02 20 0.00 1.43 17 -30-89 DAYS P/D 1.08 1.12 55 0.00 1.25 18 0.00 1.38 16 0.00 1.63 14 0.00 1.48 14

Non-Farm Non-Res Mtg-90+ Days P/D 3.23 0.02 98 0.00 0.03 86 0.00 0.05 85 0.00 0.09 82 0.32 0.07 87 -Nonaccrual 0.00 2.03 27 0.00 2.54 24 0.00 2.42 27 0.00 1.81 31 0.00 1.22 43 -Total 3.23 2.17 70 0.00 2.73 22 0.00 2.62 23 0.00 2.13 27 0.32 1.45 41 -30-89 DAYS P/D 2.75 0.66 88 0.00 0.81 38 0.00 1.00 35 0.00 1.05 35 0.00 0.98 36

Own Occ Non-Farm Non-Res-90+ Days P/D 0.60 0.01 94 0.00 0.01 91 0.00 0.03 89 0.00 0.04 88 0.32 0.04 90 -Nonaccrual 0.00 1.78 40 0.00 2.13 39 0.00 2.20 40 0.00 1.57 46 0.00 0.94 57 -Total 0.60 1.89 46 0.00 2.28 36 0.00 2.36 38 0.00 1.86 43 0.32 1.17 55 -30-89 DAYS P/D 0.00 0.63 55 0.00 0.73 51 0.00 0.96 47 0.00 0.99 48 0.00 0.85 51

Other Non-Farm Non-Res-90+ Days P/D 6.86 0.00 99 0.00 0.00 92 N/A 0.01 N/A N/A 0.02 N/A N/A 0.01 N/A -Nonaccrual 0.00 1.89 52 0.00 2.54 47 N/A 2.21 N/A N/A 1.59 N/A N/A 1.01 N/A -Total 6.86 2.05 85 0.00 2.73 44 N/A 2.40 N/A N/A 1.84 N/A N/A 1.18 N/A -30-89 DAYS P/D 6.55 0.41 95 0.00 0.55 66 N/A 0.72 N/A N/A 0.75 N/A N/A 0.68 N/A

Non-Current LN&LS ($000) 90 Days and Over Past Due 1,140 239 383 375 581 Total Nonaccrual LN&LS 499 147 0 47 3 Total Non-Current LN&LS 1,639 386 383 422 584 LN&LS 30-89 Days Past Due 1,464 59 297 256 243

Gtyd LN&LS 90+ Days P/D 0 159 175 0 0 Gtyd LN&LS on Nonaccrual 0 0 0 0 0 Gtyd LN&LS 30-89 Days P/D 0 15 79 0 0

Restructured LN&LS 90+ Days P/D 1,017 0 0 0 0 Restructured LN&LS Nonaccrual 395 0 0 0 0 Restructured LN&LS 30-89 Days P/D 0 0 0 0 0

Current 1-4 Family Restru LN&LS 0 0 0 0 0 Current Other Restructured LN&LS 3,597 2,894 2,072 0 0 Loans Secured 1-4 RE in Foreclosure 0 0 0 0 0 Other Real Estate Owned 0 0 72 0 63

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX PD, Nonacc & Rest Loans-bOCC Charter # 0 County: FIVE Analysis of Past Due, Nonaccrual & Restructured--Page 8APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 % of Non-Current LN&LS by Loan Type BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Coml & Indust LNS-90+ Days P/D 0.00 0.02 86 0.37 0.04 91 0.57 0.06 90 0.68 0.08 91 0.89 0.10 91 -Nonaccrual 0.00 1.25 36 0.00 1.41 33 0.00 1.77 31 0.00 1.46 32 0.00 0.95 35 -Total 0.00 1.39 33 0.37 1.58 44 0.57 1.97 44 0.68 1.70 47 0.89 1.20 58 -30-89 DAYS P/D 0.17 0.59 45 0.08 0.74 37 0.23 0.92 42 0.26 1.08 35 0.14 1.12 28

Loans to Individuals-90+ Days P/D 0.00 0.03 79 0.00 0.05 74 0.21 0.06 84 0.06 0.09 73 0.00 0.09 64 -Nonaccrual 1.12 0.25 89 1.44 0.33 88 0.00 0.34 51 0.00 0.31 49 0.03 0.26 53 -Total 1.12 0.34 86 1.44 0.46 85 0.21 0.50 52 0.06 0.48 42 0.03 0.43 39 -30-89 DAYS P/D 0.84 0.89 60 0.05 1.02 28 0.32 1.14 35 1.16 1.35 51 1.37 1.48 53

Credit Card Plans-90+ Days P/D N/A 0.13 N/A N/A 0.18 N/A N/A 0.24 N/A N/A 0.21 N/A N/A 0.44 N/A -Nonaccrual N/A 0.15 N/A N/A 0.18 N/A N/A 0.06 N/A N/A 0.39 N/A N/A 0.09 N/A -Total N/A 0.17 N/A N/A 0.23 N/A N/A 0.28 N/A N/A 0.25 N/A N/A 0.52 N/A -30-89 DAYS P/D N/A 0.58 N/A N/A 0.68 N/A N/A 1.00 N/A N/A 1.18 N/A N/A 1.20 N/A

Lease Financing-90+ Days P/D N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.20 N/A N/A 0.36 N/A -Nonaccrual N/A 0.06 N/A N/A 0.01 N/A N/A 0.06 N/A N/A 0.01 N/A N/A 0.02 N/A -Total N/A 0.06 N/A N/A 0.01 N/A N/A 0.11 N/A N/A 0.05 N/A N/A 0.07 N/A -30-89 DAYS P/D N/A 0.05 N/A N/A 0.12 N/A N/A 0.41 N/A N/A 0.19 N/A N/A 0.27 N/A

Agricultural LNS-90+ Days P/D N/A 0.01 N/A N/A 0.00 N/A N/A 0.02 N/A N/A 0.00 N/A N/A 0.01 N/A -Nonaccrual N/A 0.03 N/A N/A 0.12 N/A N/A 0.15 N/A N/A 0.13 N/A N/A 0.07 N/A -Total N/A 0.03 N/A N/A 0.13 N/A N/A 0.25 N/A N/A 0.15 N/A N/A 0.11 N/A -30-89 DAYS P/D N/A 0.03 N/A N/A 0.06 N/A N/A 0.09 N/A N/A 0.29 N/A N/A 0.15 N/A

Other LN&LS-90+ Days P/D 0.00 0.13 95 0.00 0.10 95 0.00 0.00 94 0.00 0.00 93 0.00 0.00 91 -Nonaccrual 0.00 0.03 89 0.00 0.04 88 0.00 0.07 87 0.00 0.05 87 0.00 0.01 91 -Total 0.00 0.04 85 0.00 0.07 85 0.00 0.10 83 0.00 0.09 82 0.00 0.03 84 -30-89 DAYS P/D 0.00 0.09 75 0.00 0.10 76 0.00 0.10 76 0.00 0.23 72 0.00 0.16 72

Total LN&LS-90+ Days Past Due 0.75 0.07 95 0.19 0.09 77 0.32 0.12 81 0.34 0.17 77 0.56 0.19 83 -Nonaccrual 0.33 2.23 15 0.12 2.77 6 0.00 3.09 3 0.04 2.66 5 0.00 1.88 4 -Total 1.08 2.37 35 0.30 2.93 8 0.32 3.30 7 0.38 2.95 10 0.56 2.18 22 -30-89 DAYS P/D 0.97 0.98 59 0.05 1.10 8 0.25 1.36 15 0.23 1.52 10 0.23 1.53 13

Other Pertinent Ratios: Non-Cur LN&LS to-LN&LS Allowance 77.35 120.01 38 21.40 140.82 8 24.41 156.37 8 32.51 164.43 12 57.14 149.26 25 -Equity Capital 8.78 15.16 45 2.14 20.27 11 2.37 25.89 9 2.39 22.69 12 3.40 16.54 18 % Total P/D LN&LS-Incl Nonaccrual 2.05 3.46 36 0.35 4.15 3 0.56 4.80 5 0.61 4.61 4 0.80 3.81 10 Non Curr LNS+OREO to LNS+OREO 1.08 3.98 18 0.30 4.79 3 0.38 5.17 4 0.38 4.22 5 0.62 2.87 16 Non-Curr Restruct Debt/Gr LN&LS 0.93 0.63 70 0.00 0.57 49 0.00 0.42 61 0.00 0.13 73 0.00 0.01 88 Curr+Non-Curr Restruct/GR LN&LS 3.31 1.98 73 2.27 1.91 64 1.71 1.57 63 0.00 0.85 45 0.00 0.18 69 Current Restruct LN&LS 2.38 1.18 76 2.27 1.13 76 1.71 0.97 72 0.00 0.61 51 0.00 0.12 72 Loans Sec 1-4 Fam RE in Forclosure as % Tota 0.00 0.29 62 0.00 0.33 61 0.00 0.41 58 0.00 0.36 59 0.00 0.25 64 Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D 0.00 1.93 95 66.53 0.02 96 45.69 0.00 96 0.00 1.30 96 0.00 0.05 93 Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS 0.00 0.46 85 0.00 0.52 84 N/A 0.56 N/A 0.00 0.68 83 0.00 0.60 85 Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D 0.00 0.00 94 25.42 0.06 98 26.60 0.06 98 0.00 0.09 90 0.00 0.10 90

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Interest Rate RiskOCC Charter # 0 County: FIVE Interest Rate Risk Analysis as a Percent of Assets--Page 9Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Long Assets Insts w/Options BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Mortgage Loans & Pass Thrus 15.86 18.89 41 15.97 18.51 43 16.55 17.76 48 20.02 17.91 62 20.74 18.37 62 Loans & Securities Over 15 Years 0.08 3.16 15 1.53 2.78 48 0.25 2.57 25 0.21 2.70 26 1.38 2.70 51 Loans & Securities 5-15 Years 5.75 4.44 66 6.31 4.62 69 7.65 3.67 81 9.63 3.32 88 10.03 3.40 89

Other Loans and Securities 61.54 59.76 54 63.44 60.43 62 69.62 61.57 76 71.35 63.22 77 68.36 66.36 52 Loans & Securities Over 15 Years 0.01 2.91 12 0.27 2.44 21 0.31 2.07 25 0.03 1.80 16 0.89 1.40 51 Loans & Securities 5-15 Years 4.74 11.65 17 11.60 10.55 59 13.21 9.61 70 7.13 9.18 41 17.65 8.57 89 Total Loans & Securities Over 15 Years 0.10 6.88 5 1.80 5.93 30 0.56 5.04 13 0.24 4.84 10 2.26 4.46 42

CMO'S Total 0.00 1.69 42 0.00 1.82 43 0.00 1.68 46 0.00 1.23 49 0.00 1.18 49 Avg Life Over 3 Years 0.00 0.55 59 0.00 0.62 55 0.00 0.71 56 0.00 0.38 65 0.00 0.43 66

Structured Notes 0.00 0.44 64 7.93 0.80 95 9.95 0.84 96 1.17 0.56 78 0.00 0.14 74 Mortgage Servicing (FV) 0.00 0.01 87 0.00 0.01 88 0.00 0.00 90 0.00 0.00 90 0.00 0.00 90 Total 0.00 0.49 55 7.93 0.83 95 9.95 0.87 96 1.17 0.59 77 0.00 0.15 68

Overall Risk Indicators Available for Sale 18.53 18.26 53 21.91 16.48 65 23.94 14.92 75 26.13 13.46 83 27.99 13.41 86 Held to Maturity 0.00 0.52 71 0.00 0.70 68 0.00 0.77 67 0.01 0.90 65 0.01 0.99 63 Off Balance Sheet 30.30 9.23 97 17.31 8.77 89 13.78 8.86 81 12.97 9.49 77 12.20 11.10 61

Unrealized Appreciation/Depreciation 0.00 0.01 78 0.00 0.01 76 0.00 0.00 80 0.00 0.01 76 0.00 0.00 77 Unrealized App/Dep % Tier One Cap 0.00 0.10 78 0.00 0.15 76 0.00 0.04 80 0.00 0.09 76 0.00 0.05 77

Contractual Mat/Reprice Data Loans/Securities Over 3 Year 27.20 40.16 21 30.54 36.46 36 34.92 34.33 54 42.05 35.65 67 48.24 35.15 80 Liabilities Over 3 Year 0.00 3.09 5 0.00 3.18 5 0.00 2.84 5 0.00 2.50 5 0.00 2.59 4 Net Over 3 Year Position 27.20 36.55 27 30.54 32.70 44 34.92 30.79 61 42.05 32.53 74 48.24 32.10 85

Loans/Securities Over 1 Year 42.19 58.12 11 50.92 57.35 31 53.83 55.78 42 56.06 55.74 49 58.58 54.72 60 Liabilities Over 1 Year 0.00 11.61 0 0.00 11.77 0 0.11 12.34 0 0.00 11.33 0 0.00 11.15 0 Net Over 1 Year Position 42.19 45.99 37 50.92 45.09 63 53.71 42.92 76 56.06 43.94 79 58.58 43.08 86

Non-Maturity Deposits 80.12 54.60 98 76.14 51.07 98 73.15 47.62 97 69.05 44.13 96 68.80 41.23 97 Non-Maturity Deps % Long Assets 294.55 149.87 93 249.35 158.93 85 209.46 157.54 75 164.22 138.30 69 142.62 131.70 67 Net Over 3 Year Position -52.92 -14.43 1 -45.61 -14.53 4 -38.23 -13.12 8 -27.00 -8.44 16 -20.56 -5.98 22

As % Tier 1 Capital Structured Notes 0.00 4.54 64 102.31 8.65 96 120.03 9.31 96 12.11 6.30 76 0.00 1.46 74 Mortgage Servicing (FV) 0.00 0.09 87 0.00 0.06 88 0.00 0.05 90 0.00 0.04 90 0.00 0.02 90 Total 0.00 5.05 55 102.31 9.01 96 120.03 9.64 96 12.11 6.69 75 0.00 1.66 68

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Liquidity & FundingOCC Charter # 0 County: FIVE Liquidity & Funding--Page 10Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Total Deposits BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Individ, Partnerships, and Corp. 99.08 91.79 86 98.90 91.64 85 99.02 91.54 85 97.95 91.30 81 98.61 91.64 83 U.S. Govt, States & Political Sub in U.S. 0.92 5.98 20 1.10 6.08 22 0.98 6.03 22 2.05 6.40 27 1.39 6.48 22 Comml Banks & Other Dep Inst. in U.S. 0.00 0.95 46 0.00 0.97 46 0.00 1.09 45 0.00 1.23 45 0.00 0.92 48 Banks in Foreign Countries 0.00 0.00 99 0.00 0.02 99 0.00 0.01 99 0.00 0.03 99 0.00 0.05 99 Foreign Govts and Official Inst. 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 98 Total deposits 100.00 100.00 97 100.00 100.00 98 100.00 100.00 98 100.00 100.00 99 100.00 100.00 99

Domestic Demand Deposits 52.18 17.84 99 48.04 16.24 99 44.27 14.37 99 38.15 13.54 98 42.44 13.53 99 Domestic Other Transaction Accts 4.17 12.63 14 4.83 11.90 20 3.97 11.23 14 6.22 10.63 31 4.14 9.84 21 Domestic Nontransaction Accts 43.65 68.40 4 47.13 71.02 4 51.77 73.61 4 55.63 75.04 6 53.43 75.95 3 Total Domestic Deposits 100.00 100.00 99 100.00 99.97 99 100.00 99.97 99 100.00 99.97 99 100.00 99.96 99 Deposits in Foreign Offices 0.00 0.00 99 0.00 0.03 99 0.00 0.03 99 0.00 0.03 99 0.00 0.04 99 Total Deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Liquidity/Funding Ratios Net Non Core Fund Dep $250M -19.10 -1.59 11 -12.89 0.90 13 -3.52 3.25 28 14.75 21.87 30 14.31 26.18 21 Net Non Core Fund Dep $100M -9.69 10.91 11 -2.42 13.76 13 8.30 16.67 27 14.75 21.31 31 14.31 25.54 22 Core Deposits 90.73 80.29 98 88.63 79.34 92 88.74 78.29 94 74.58 63.96 84 73.98 61.87 85 Short Term Non Core Funding 1.58 5.12 17 2.80 5.77 28 12.57 14.75 42 14.75 17.35 41 15.53 18.82 40 S.T Inv to S.T. Ncore Fund 1,007.00 346.86 85 459.84 253.99 79 43.78 68.82 41 9.64 46.06 16 18.39 28.61 49 S.T. Asset to S.T. Liabilities 326.60 130.01 95 221.06 111.03 91 153.94 100.86 83 120.03 85.75 80 98.10 80.90 70 Net S.T. Liabilities to Assets -27.61 -3.56 5 -18.45 -0.37 11 -9.67 1.87 21 -4.06 6.07 21 0.39 8.02 28 Net Loans & Leases to Deposits 63.09 72.08 27 62.07 73.93 20 67.31 76.71 24 72.79 81.08 25 67.59 86.95 12 Net LN&LS to Core Deposits 64.19 77.49 23 64.03 80.25 17 69.21 84.47 19 86.49 109.44 21 81.78 119.61 12 Brkr Dep Mat < 1 Yr to Brkr Deps N/A 50.57 N/A N/A 52.61 N/A N/A 54.59 N/A N/A 65.88 N/A N/A 63.38 N/A Brokered Deposits to Deposits 0.00 1.35 58 0.00 1.74 54 0.00 2.30 50 0.00 3.32 48 0.00 3.88 48 Listing Service Dep to Deposits 0.00 0.88 74 0.00 0.85 75 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A List Service and Brkrd Dep to Deps 0.00 2.69 48 0.00 3.07 47 N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Sec Bor + sec FFP to Tot Bor + FFP N/A 0.44 N/A N/A 0.09 N/A N/A 2.40 N/A 0.00 0.78 85 N/A 0.76 N/A Recip Brkrd Dep to Tot Brkrd Dep N/A 13.60 N/A N/A 11.30 N/A N/A 11.66 N/A N/A 13.25 N/A N/A 0.00 N/A

Total Deposits Individ, Partnerships, and Corp. 234,343 199,931 175,710 148,504 149,542 U.S. Govt, States & Political Sub in U.S. 2,183 2,229 1,743 3,111 2,113 Comml Banks & Other Dep Inst. in U.S. 0 0 0 0 0 Banks in Foreign Countries 0 0 0 0 0 Foreign Govts and Official Inst. 0 0 0 0 0 Total Deposits 236,526 202,160 177,453 151,615 151,655

Domestic Demand Deposits 123,426 97,114 78,552 57,839 64,355 Domestic Other Transaction Accts 9,862 9,760 7,037 9,435 6,278 Domestic Nontransaction Accts 103,238 95,286 91,864 84,341 81,022 Total Domestic Deposits 236,526 202,160 177,453 151,615 151,655 Deposits in Foreign Offices 0 0 0 0 0 Total Deposits 236,526 202,160 177,453 151,615 151,655

Other Liquidity/Funding Data Non Core Liabilities $250M 4,050 6,188 4,881 25,237 26,313 Non Core Liabilities $100M 22,128 24,267 24,450 25,237 26,313 Short Term Non Core Funding 4,044 6,188 24,450 25,237 26,313 Core Deposits 232,476 195,972 172,572 127,598 125,342 Time Deps $250M & Under Mat < 1 Yr 27,179 27,518 N/A N/A N/A Time Deps $250M & Under Mat > 1 Yr -1 96 N/A N/A N/A Time Deps over $250M Mat < 1 Yr 4,044 6,188 N/A N/A N/A Time Deps over $250M Mat > 1 Yr 6 0 N/A N/A N/A Fed Home Loan Bor Mat < 1 Yr 0 0 0 0 0 Fed Home Loan Bor Mat > 1 Yr 0 0 0 0 0 Other Borrowing Mat < 1 Year 0 0 0 0 0 Other Borrowing Mat > 1 Year 0 0 0 0 0 Secured Other Borrowings 0 0 0 0 0 Federal Funds Purchased 0 0 0 1,220 0 Secured Fed Funds Purchased 0 0 0 0 0 Listing Service Deposits 0 0 N/A N/A N/A Brokered Deposits 0 0 0 0 0 Reciprocal Brokered Deposits 0 0 0 0 N/A

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Liquidity & Inv PortfolioOCC Charter # 0 County: FIVE Liquidity & Investment Portfolio--Page 10APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Percent of Total Assets BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Short Term Investments 15.89 9.46 80 12.87 8.69 73 5.50 8.36 34 1.42 6.80 12 2.86 4.35 45 Marketable Equity Sec (MES) 0.00 0.00 89 0.00 0.00 90 0.00 0.00 88 0.00 0.01 87 0.00 0.01 85 Net LN&LS & SBLC to Assets 58.24 62.02 36 56.75 63.48 27 61.42 65.77 34 64.50 68.40 35 60.50 71.87 18 Pledged Assets 1.61 22.11 5 3.17 22.30 9 3.75 22.31 10 5.67 18.85 23 N/A 0.00 N/A

Securities Mix % Total Securities US Treas & Govt Agencies 30.81 25.72 61 45.57 29.19 70 48.62 32.60 69 44.83 33.56 63 48.80 32.98 68 Municipal Securities 30.02 23.77 61 11.69 21.63 37 4.36 21.12 26 4.02 20.31 28 3.66 19.21 28 Pass-Through Mtg Backed Secs 31.57 23.58 63 29.99 22.95 60 32.36 20.29 68 40.30 21.55 75 47.54 24.00 77 CMO & REMIC Mtg Backed Secs 0.00 8.54 41 0.00 9.34 42 0.00 8.93 46 0.00 7.41 49 0.00 6.90 48 Commercial Mtg Back Secs 0.00 0.02 91 0.00 0.00 94 0.00 0.00 94 0.00 0.00 94 N/A 0.00 N/A Asset Backed Securities 0.00 0.44 95 0.00 0.22 96 0.00 0.06 97 0.00 0.13 97 0.00 0.20 97 Structured Financial Products 0.00 0.18 96 0.00 0.08 96 0.00 0.07 96 0.00 0.09 96 N/A 0.00 N/A Other Domestic Debt Secs 7.60 1.02 90 12.75 0.95 94 14.66 0.82 95 10.85 0.78 94 0.00 0.94 73 Foreign Debt Securities 0.00 0.18 96 0.00 0.08 98 0.00 0.07 98 0.00 0.13 98 0.00 0.09 98 Inv Mut Fnd & Oth Mktbl 0.00 0.02 89 0.00 0.01 90 0.00 0.02 88 0.00 0.04 87 0.00 0.05 85 Total 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Liquidity/Securities Ratios: App (Dep) Hi Risk & Struc/T1 Cap 0.00 0.01 74 0.42 0.02 96 -4.70 -0.09 1 0.05 -0.03 90 0.00 0.01 82 App (Dep) in AFS sec to AFS Sec 1.60 1.92 45 1.54 1.89 43 -0.33 0.44 29 1.98 1.20 69 3.13 0.83 94 App (Dep) in HTM Sec to HTM Sec 0.00 2.11 25 0.00 2.11 25 0.00 0.85 40 0.00 1.28 35 0.00 0.19 40 App (Dep) in HTM Sec to Eqy Cap 0.00 0.09 78 0.00 0.14 76 0.00 0.04 80 0.00 0.09 76 0.00 0.05 77 Pledged Securities to Tot Sec 8.67 33.99 17 14.46 35.93 22 15.66 39.67 20 21.68 43.95 25 28.03 46.19 30 Pledged Loans to Total Loans 0.00 21.27 32 0.00 20.81 32 0.00 20.15 33 0.00 14.66 50 N/A 0.00 N/A Loans Held for Sale to Total Loans 5.73 0.35 95 2.66 0.24 93 1.16 0.25 86 1.34 0.16 92 1.58 0.12 95

Short Term Investments 40,723 28,455 10,704 2,433 4,840 Short Term Assets 101,973 74,511 53,694 41,655 34,412 Debt Securities 90+ Days P/D 0 0 0 0 0 Total Non-Current Debt Sec 0 0 0 0 0 Fair Value Structured Notes 0 17,600 18,592 2,009 0 Pledged Securities 4,117 7,003 7,291 9,696 13,299 Pledged Loans & Leases 0 0 0 0 N/A Loans Held for Sale 8,670 3,389 1,400 1,501 1,633

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Capital Analysis-aOCC Charter # 0 County: FIVE Capital Analysis--Page 11Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Capital Ratios BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Percent of Bank Equity: Net Loans & Leases (x) 8.00 6.20 81 6.96 6.46 61 7.39 7.08 58 6.26 7.37 29 5.97 7.57 24 Subord Notes & Debentures 0.00 0.32 98 0.00 0.21 98 0.00 0.22 98 0.00 0.10 98 0.00 0.28 98 Long Term Debt 0.00 0.32 98 0.00 0.21 98 0.00 0.22 98 0.00 0.10 98 0.00 0.28 98 Com RE & Related Ventures 234.90 282.50 41 178.51 298.28 23 182.99 330.82 22 173.46 341.22 18 144.14 347.12 13 Percent of Average Bank Equity: Net Income 19.58 5.97 96 19.51 3.08 97 16.27 0.21 94 14.97 -0.65 92 12.69 4.06 84 Dividends 16.19 2.32 97 13.88 1.82 97 14.55 1.77 98 11.09 2.13 95 9.72 3.23 87 Retained Earnings 3.39 2.96 47 5.63 0.75 73 1.72 -2.11 44 3.87 -3.30 68 2.97 0.13 57 Other Capital Ratios: Dividends to Net Operating Income 82.71 30.59 87 71.14 28.55 85 89.46 30.98 92 74.13 41.67 77 76.62 53.20 69 Bank Eq Cap + Min Int to Assets 7.28 10.28 8 8.15 10.14 14 8.31 9.62 25 10.31 9.55 68 10.14 9.74 66 Growth Rates: Total Equity Capital 3.53 4.33 43 11.48 6.21 74 -8.34 0.98 16 2.72 2.90 44 10.74 3.32 81 Equity Growth Less Asst Growth -12.35 0.99 8 -2.21 3.62 24 -22.01 -0.95 8 1.75 -2.98 61 -10.41 -2.98 22 Intang Assets % Bank Equity Mortgage Servicing Rights 0.00 0.07 87 0.00 0.05 88 0.00 0.04 90 0.00 0.03 90 0.00 0.02 90 Goodwill 0.00 0.56 80 0.00 0.64 78 0.00 0.80 79 0.00 0.91 78 0.00 1.20 76 Purch Credit Card Relations 0.00 0.08 96 0.00 0.06 96 0.00 0.03 97 0.00 0.05 96 0.00 0.04 97 All Other Intangibles 0.59 0.08 90 0.87 0.08 91 1.26 0.10 92 1.43 0.12 91 1.74 0.16 91 Total Intangibles 0.59 1.17 70 0.87 1.21 71 1.26 1.35 74 1.43 1.44 75 1.74 1.74 76

Risk-Based Capital Tier One RBC to Risk-Wgt Assets 9.68 14.86 7 11.14 14.41 18 11.56 13.39 29 13.41 12.65 66 13.55 12.42 71 Total RBC to Risk-Weight Assets 10.83 16.06 7 12.31 15.62 17 12.73 14.59 29 14.51 13.81 65 14.49 13.53 70 Tier One Leverage Capital 6.92 9.80 8 7.71 9.57 15 8.38 9.16 33 9.55 9.09 63 9.20 9.34 54 Other Capital Ratio: Def Tax Asset to T1 Cap 0.00 0.96 60 0.00 1.02 59 0.00 1.53 49 0.00 1.54 49 0.00 1.67 45

End of Period Capital ($000) Perpetual Preferred 0 0 0 0 0 + Common Stock 2,042 2,042 2,042 2,042 1,999 + Surplus 11,765 11,765 11,767 11,765 11,449 + Undivided Profits 4,854 4,227 3,259 2,966 2,288 + Accum Other Comp Income 746 737 -154 868 1,438 + Other Equity Capital Comp -744 -744 -744 0 0 Total Bank Equity Capital 18,663 18,027 16,170 17,641 17,174 Minority Interest Cons Subs 0 0 0 0 0 Total Bank Capital & Min Int 18,663 18,027 16,170 17,641 17,174

Subordinated Notes & Debentures 0 0 0 0 0

Changes in Bank Equity ($000) Balance at Beginning of Period 18,027 16,170 17,641 17,174 15,508 + Net Income 3,632 3,347 2,798 2,617 2,027 + Sales or Purchase of Capital 0 0 -744 359 223 + Merger & Absorptions 0 0 0 0 0 + Restate due to Acctg Error&Chg 0 0 0 0 0 + Trans with Parent 0 0 0 0 0 - Dividends 3,004 2,381 2,503 1,940 1,553 + Other Comprehensive Income 8 891 -1,022 -569 969 Balance at End of Period 18,663 18,027 16,170 17,641 17,174

Intangible Assets Mortgage Servicing Rights 0 0 0 0 0 + Purch Credit Card Relations. 0 0 0 0 0 + Other Intangibles 110 157 204 252 299 + Goodwill 0 0 0 0 0 Total Intangibles 110 157 204 252 299

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Capital Analysis-bOCC Charter # 0 County: FIVE Capital Analysis--Page 11APublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 Risk Based Capital ($000) Tier One Capital Total Equity Capital Adjusted 17,917 17,290 16,324 16,773 15,736 - Ineligible Def Tax Assets 0 0 0 0 0 - Ineligible Intangibles 110 157 204 252 299 - Cumul Change F.V. Financial Liab 0 0 0 0 0 Net Tier One 17,807 17,133 16,120 16,521 15,437

Tier Two Capital + Qualif Debt and Redeem Pfd 0 0 0 0 0 + Cumulative Preferred Stock 0 0 0 0 0 + Allowable LN&LS Loss Allow 2,107 1,790 1,636 1,353 1,074 + Unrl Gain Mktbl Eqy Sec (45%) 0 0 0 0 0 + Other Tier 2 Capital Comp 0 0 0 0 0 Net Eligible Tier Two 2,107 1,790 1,636 1,353 1,074

Total RBC Before Deductions Tier One & Tier Two 19,914 18,923 17,756 17,874 16,511 Tier Three & Fin Sub Adj 0 0 0 0 0 - Deductions for Total RBC 0 0 0 0 0 Total Risk-Based-Capital 19,914 18,923 17,756 17,874 16,511

Risk-Weighted Assets On-Balance Sheet Category Two - 20% 18,404 9,836 8,886 8,060 11,289 Category Three - 50% 10,623 10,394 8,709 8,414 6,294 Category Four - 100% 139,025 123,720 120,672 106,315 96,030 Total On-Balance Sheet 168,052 143,950 138,267 122,789 113,613 Memo: Category One - 0% 5,205 28,334 13,469 7,820 3,658

Off-Balance Sheet Category Two - 20% 0 0 0 0 0 Category Three - 50% 15,324 0 0 0 0 Category Four - 100% 542 9,825 1,217 372 347 Total Off-Balance Sheet 15,866 9,825 1,217 372 347 Memo: Category One - 0% 0 0 0 0 0

Adjustments to Risk-Wgt Assets Risk-Weighted Asset Before Ded 183,918 153,775 139,484 123,161 113,960 - Excess Allowable LN&LS Loss Al 126 88 0 0 0 - Allocated Transfer Risk Reserve 0 0 0 0 0 + Mkt Risk Asset & Fin Sub Adj 0 0 0 0 0 Total Risk-Weighted Assets 183,793 153,688 139,485 123,161 113,960

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Income Statement 1-Qtr-AnnOCC Charter # 0 County: FIVE One Quarter Annualized Income Analysis--Page 12Public Report

12/31/2012 9/30/2012 6/30/2012 3/31/2012 12/31/2011 Earnings and Profitability BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT Percent of Average Assets: Interest Income (TE) 3.61 4.15 18 3.76 4.24 22 3.97 4.28 31 4.24 4.34 42 4.09 4.45 26 - Interest Expense 0.06 0.57 0 0.09 0.61 1 0.10 0.65 1 0.12 0.70 1 0.15 0.77 1 Net Interest Income (TE) 3.55 3.58 49 3.67 3.62 54 3.87 3.63 67 4.11 3.63 82 3.94 3.67 68 + Noninterest Income 1.85 0.72 91 1.49 0.71 88 1.62 0.66 91 1.49 0.67 90 1.43 0.66 87 - Noninterest Expense 3.78 3.40 70 3.68 3.32 70 3.70 3.28 71 3.67 3.28 71 3.59 3.40 64 - Provision: Loan & Lease Losses 0.14 0.27 45 0.11 0.23 42 0.12 0.27 39 0.17 0.27 45 0.15 0.56 34 Pretax Operating Income (TE) 1.48 0.69 80 1.37 0.83 71 1.67 0.78 85 1.77 0.78 89 1.63 0.38 85 + Realized Gains/Losses Sec 0.00 0.05 63 0.00 0.05 62 0.00 0.06 60 0.00 0.04 68 0.00 0.04 66 Pretax Net Operating Income (TE) 1.48 0.79 77 1.37 0.91 68 1.67 0.88 82 1.77 0.85 87 1.63 0.44 83 Net Operating Income 1.45 0.60 87 1.35 0.69 82 1.64 0.67 90 1.74 0.64 93 1.61 0.26 91 Adjusted Net Operating Income 1.59 0.52 88 1.45 0.65 82 1.77 0.66 90 1.91 0.64 93 1.72 0.20 91 Net Inc Attrib Min Ints 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Net Income Adjusted Sub S 0.98 0.52 74 0.91 0.60 68 1.10 0.59 83 1.16 0.56 88 1.08 0.22 83 Net Income 1.45 0.60 87 1.35 0.69 82 1.64 0.67 90 1.74 0.64 93 1.61 0.26 91

Margin Analysis: Int Inc (TE) to Avg Earn Assets 3.91 4.51 18 4.06 4.60 20 4.30 4.65 29 4.65 4.72 46 4.43 4.83 26 Int Expense to Avg Earn Assets 0.07 0.61 0 0.09 0.66 1 0.11 0.70 1 0.14 0.76 1 0.16 0.84 1 Net Int Inc-TE to Avg Earn Assets 3.84 3.89 48 3.97 3.93 54 4.19 3.94 67 4.52 3.94 83 4.27 3.99 68

Loan & Lease Analysis: Net Loss to Average Total LN&LS 0.00 0.53 21 0.02 0.42 28 0.00 0.46 23 -0.01 0.46 16 0.07 1.02 21 Earnings Coverage of Net Loss (X) N/A 4.13 N/A 127.14 -0.53 96 N/A 4.50 N/A -518.00 6.48 1 42.43 4.98 92 LN&LS Allowance to Net Losses (X) N/A 3.05 N/A 72.46 0.99 95 N/A 4.86 N/A -237.00 4.83 2 19.61 5.09 88

Capitalization Cash Dividends to Net Income 120.04 33.97 86 38.41 13.62 78 135.26 19.74 96 32.45 12.98 77 68.42 24.96 81 Retain Earns to Avg Total Equity -3.97 0.43 23 10.81 4.42 86 -7.11 3.46 9 13.67 3.99 93 6.28 -1.77 75

Yield on or Cost of: Total Loan & Leases (TE) 5.67 5.75 48 5.84 5.81 53 5.84 5.84 53 5.95 5.88 57 6.08 5.98 60 Loans in Domestic Offices 5.67 5.73 48 5.84 5.80 55 5.84 5.82 54 5.95 5.86 59 6.08 5.97 60 Real Estate 4.24 5.69 1 6.09 5.76 72 5.64 5.76 43 5.95 5.82 58 6.19 5.92 68 Secured by 1-4 Fam Resi Prop 4.07 5.61 6 5.68 5.71 52 4.28 5.73 7 6.24 5.75 70 4.83 5.84 18 All Other Loans Sec Real Estate 4.34 5.74 2 6.31 5.81 75 6.31 5.80 77 5.76 5.85 44 7.03 5.94 90 Commercial & Industrial 5.85 6.02 49 5.95 6.08 49 5.95 6.09 49 5.98 6.13 48 6.00 6.29 44 Individual 14.40 7.55 95 6.22 7.46 27 6.27 7.57 28 6.48 7.64 29 6.56 7.93 27 Credit Card N/A 10.33 N/A N/A 10.62 N/A N/A 10.24 N/A N/A 9.90 N/A N/A 9.61 N/A Agricultural N/A 5.20 N/A N/A 5.18 N/A N/A 5.21 N/A N/A 5.21 N/A N/A 5.77 N/A Loans in Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A Total Investment Securities (TE) 1.83 2.35 31 2.30 2.46 46 2.69 2.59 55 3.31 2.76 73 2.98 2.82 58 Total Investment Securities (Book) 1.65 2.08 28 2.14 2.20 46 2.52 2.34 61 3.18 2.49 82 2.87 2.58 64 US Treas & Agency (Excl MBS) 0.57 1.49 12 0.63 1.63 11 0.96 1.72 17 3.00 1.87 88 2.57 1.96 74 Mortgage Backed Securities 2.06 1.80 63 2.40 2.06 67 2.84 2.30 75 3.00 2.49 73 2.93 2.62 67 All Other Securities 2.06 3.11 16 2.62 3.17 28 3.00 3.30 35 3.81 3.39 66 3.37 3.50 42 Interest-Bearing Bank Balances 0.26 0.35 47 0.23 0.33 39 0.24 0.34 44 0.25 0.35 49 0.25 0.35 47 Federal Funds Sold & Resales N/A 0.20 N/A N/A 0.22 N/A N/A 0.21 N/A N/A 0.20 N/A N/A 0.23 N/A

Total Interest Bearing Deposits 0.14 0.70 1 0.19 0.75 1 0.23 0.79 2 0.26 0.86 2 0.30 0.95 2 Transaction accounts 0.04 0.24 8 0.00 0.26 2 0.00 0.27 3 0.04 0.30 4 0.00 0.32 3 Other Savings Deposits 0.04 0.33 0 0.06 0.35 1 0.06 0.38 0 0.07 0.42 1 0.09 0.46 2 Time Deps Over $100M 0.40 1.13 2 1.32 1.20 64 0.64 1.25 7 0.68 1.33 7 0.79 1.42 8 All Other Time Deposits 0.38 1.11 2 0.19 1.18 0 0.53 1.23 3 0.62 1.32 4 0.69 1.43 5 Foreign Office Deposits N/A 0.00 N/A N/A 0.00 N/A N/A 0.33 N/A N/A 0.38 N/A N/A 0.39 N/A

Federal Funds Purchased & Repos N/A 0.32 N/A N/A 0.37 N/A N/A 0.31 N/A N/A 0.30 N/A N/A 0.40 N/A Other Borrowed Money N/A 2.47 N/A N/A 2.51 N/A N/A 2.80 N/A N/A 2.67 N/A N/A 2.65 N/A Subord Notes & Debentures N/A 5.45 N/A N/A 5.59 N/A N/A 5.01 N/A N/A 4.58 N/A N/A 5.94 N/A All Interest-Bearing Funds 0.14 0.77 1 0.19 0.82 1 0.23 0.86 2 0.26 0.93 2 0.30 1.02 2

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Securitization & Asset Sale-aOCC Charter # 0 County: FIVE Securitization & Asset Sale Activities--Page 13Public Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 1 Quarter 1 Year Securitization Activities 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Retained Interest-Only Strips 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Retained Credit Enhancements 0.00 0.00 0.00 0.00 0.00 N/A N/A 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Auto Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 N/A N/A

Unused Liquidity Commitments 0.00 0.00 0.00 0.00 0.00 N/A N/A

Sellers Interest in Secs & Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A Home Equity Lines 0.00 0.00 0.00 0.00 0.00 N/A N/A Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 N/A N/A Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 N/A N/A

Total Retained Credit Exposure 0.00 0.00 0.00 0.00 0.00 N/A N/A

Asset Backed Comml Paper Conduits 0.00 0.00 0.00 0.00 0.00 N/A N/A CR Exp Spons by Bank & Other 0.00 0.00 0.00 0.00 0.00 N/A N/A Liquid Comm by Bank & Other 0.00 0.00 0.00 0.00 0.00 N/A N/A

Activity % Total Assets Securitization Activities 0.00 0.00 0.00 0.00 0.00 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Asset Backed Comml Paper Conduits 0.00 0.00 0.00 0.00 0.00 Cr Exp Spons by Bank & Other 0.00 0.00 0.00 0.00 0.00 Liquid Comm by Bank & Other 0.00 0.00 0.00 0.00 0.00

Percent of Tot Managed Assets on Balance Sheet & Sec Assets 1-4 Family Residential Loans 17.29 16.50 14.39 15.11 12.16 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 6.12 8.00 9.23 8.76 9.12 Commercial & Industrial Loans 46.85 50.19 51.92 48.54 54.85 All Other Loans and Leases 29.74 25.30 24.46 27.59 23.87

Percent Change

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Securitization & Asset Sale-bOCC Charter # 0 County: FIVE Securitization & Asset Sale Activities--Page 13APublic Report

12/31/2012 12/31/2010 12/31/2009 12/31/2008 % Tot Securitization Act by Type Retained Int Only Strips N/A N/A N/A N/A 1-4 Family Residential Loans N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A

Retained Credit Enhancement N/A N/A N/A N/A 1-4 Family Residential Loans N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A

Unused Comm to Provide Liquidity N/A N/A N/A N/A N/A Sellers Int in Secs & LNS % Trust N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A

Percent of Tier 1 Capital Total Retained Credit Exposure 0.00 0.00 0.00 0.00 0.00 Retained Interest-Only Strips 0.00 0.00 0.00 0.00 0.00 Retained Credit Enhancements 0.00 0.00 0.00 0.00 0.00

30-89 Day PD Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total 30-89 Day PD Secur Assets 0.00 0.00 0.00 0.00 0.00

90+ Days PD Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total 90+ Days PD Secur Assets 0.00 0.00 0.00 0.00 0.00

Total Past Due Securitized Assets 0.00 0.00 0.00 0.00 0.00

Net Losses Securitized Assets 1-4 Family Residential Loans 0.00 0.00 0.00 0.00 0.00 Home Equity Lines 0.00 0.00 0.00 0.00 0.00 Credit Card Receivables 0.00 0.00 0.00 0.00 0.00 Auto Loans 0.00 0.00 0.00 0.00 0.00 Commercial & Industrial Loans 0.00 0.00 0.00 0.00 0.00 All Other Loans and Leases 0.00 0.00 0.00 0.00 0.00 Total Net Charge Off Secur Asset 0.00 0.00 0.00 0.00 0.00

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Securitization & Asset Sale-cOCC Charter # 0 County: FIVE Securitization & Asset Sale Activities--Page 13BPublic Report

12/31/2012 12/31/2011 12/31/2010 12/31/2009 12/31/2008 30-89 Day PD Securitized Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 30-89 Days PD Secur Asset N/A N/A N/A N/A N/A

90+ Day PD Securitized Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 90+ Day PD Secur Asset N/A N/A N/A N/A N/A

Total PD Securitized Asets % N/A N/A N/A N/A N/A

Net Losses on Securitized Assets% 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Auto Loans N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Net Losses on Securitized Assets N/A N/A N/A N/A N/A

30-89 DAY PD managed assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 30-89 Day PD Manage Asset N/A N/A N/A N/A N/A

90+ DAY PD MANAGED ASSETS % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Total 90+ Day PD Manage Asset N/A N/A N/A N/A N/A

Total Past Due Managed Assets % N/A N/A N/A N/A N/A

Net Losses on Managed Assets % 1-4 Family Residential Loans N/A N/A N/A N/A N/A Home Equity Lines N/A N/A N/A N/A N/A Credit Card Receivables N/A N/A N/A N/A N/A Commercial & Industrial Loans N/A N/A N/A N/A N/A All Other Loans and Leases N/A N/A N/A N/A N/A Net Losses on Managed Assets N/A N/A N/A N/A N/A

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Fiduciary Services-aOCC Charter # 0 County: FIVE Fiduciary & Related Services--Page 14Public Report

12/31/2012 9/30/2012 12/31/2011 12/31/2012 Total Fiduciary and Related Assets '($000)' %Total %MGD '($000)' %Total %MGD '($000)' %Total %MGD %Change Personal Trust and Agency 48,959 34.47 97 N/A N/A N/A 46,517 42.63 97 5.25 Employee Benefit DC 23,385 16.46 29 N/A N/A N/A 23,706 21.72 31 -1.35 Employee Benefit DB 0 0.00 N/A N/A N/A N/A 0 0.00 N/A N/A Other EB & Retirement-Related 13,452 9.47 2 N/A N/A N/A 11,713 10.73 2 14.85 Corporate Trust and Agency 0 0.00 N/A N/A N/A N/A 0 0.00 N/A N/A Inv Mgmt & Inv Advisory Agency 53,002 37.31 76 N/A N/A N/A 24,104 22.09 88 119.89 Foundation & Endowment Trust & Agency 3,243 2.28 68 N/A N/A N/A 3,088 2.83 66 5.02 Other Fiduciary 0 0.00 N/A N/A N/A N/A 0 0.00 N/A N/A Total Fiduciary Assets 142,041 100.00 68 N/A N/A N/A 109,128 100.00 70 30.16 Custody and Safekeeping 1,067 N/A 1,537 -30.58 Memo: Accts in Foreign Offices N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: IRA, HSA & Other 13,452 9.47 2 N/A N/A N/A 11,713 10.73 2 14.85

Total Fiduciary and Related Accounts (#) %Total %MGD (#) %Total %MGD (#) %Total %MGD %Change Personal Trust and Agency 81 45.51 95 N/A N/A N/A 81 46.29 95 0.00 Employee Benefit DC 18 10.11 50 N/A N/A N/A 20 11.43 55 -10.00 Employee Benefit DB 0 0.00 N/A N/A N/A N/A 0 0.00 N/A N/A Other EB & Retirement-Related 26 14.61 12 N/A N/A N/A 20 11.43 15 30.00 Corporate Trust and Agency 0 0.00 N/A N/A N/A N/A 0 0.00 N/A N/A Inv Mgmt & Inv Advisory Agency 47 26.40 89 N/A N/A N/A 48 27.43 88 -2.08 Foundation & Endowment Trust & Agency 6 3.37 67 N/A N/A N/A 6 3.43 67 0.00 Other Fiduciary 0 0.00 N/A N/A N/A N/A 0 0.00 N/A N/A Total Number of Accounts 178 100.00 76 N/A N/A N/A 175 100.00 78 1.71 Custody and Safekeeping 1 N/A 1 0.00 Memo: Accts in Foreign Offices N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Memo: IRA, HSA & Other 26 14.61 12 N/A N/A N/A 20 11.43 15 30.00

Fiduciary and Related Services Income '($000)' %FID IN %Change '($000)' %FID IN %Change '($000)' %FID IN %Change Personal Trust and Agency 442 48.41 0 N/A N/A N/A 442 51.88 0 Employee Benefit DC 130 14.24 0 N/A N/A N/A 130 15.26 13 Employee Benefit DB 0 0.00 N/A N/A N/A N/A 0 0.00 N/A Other EB & Retirement-Related 83 9.09 36 N/A N/A N/A 61 7.16 11 Corporate Trust and Agency 0 0.00 N/A N/A N/A N/A 0 0.00 N/A Inv Mgmt & Inv Advisory Agency 231 25.30 20 N/A N/A N/A 193 22.65 8 Foundation & Endowment Trust & Agency 24 2.63 0 N/A N/A N/A 24 2.82 4 Other Fiduciary 0 0.00 N/A N/A N/A N/A 0 0.00 N/A Custody and Safekeeping 3 0.33 50 N/A N/A N/A 2 0.23 -33 Other Related Services 0 0.00 N/A N/A N/A N/A 0 0.00 N/A Gross Fiduciary and Related Income 913 100.00 7 N/A N/A N/A 852 100.00 5 Less: Expenses 607 66.48 11 N/A N/A N/A 547 64.20 -17 Less:Net Losses 0 0.00 N/A N/A N/A N/A 0 0.00 N/A Plus: Intra-company Credits 0 0.00 N/A N/A N/A N/A 0 0.00 N/A Net Fiduciary and Related Income 306 33.52 0 N/A N/A N/A 305 35.80 94 Memo: Fiduciary Income - Foreign N/A N/A N/A N/A N/A N/A N/A N/A N/A Gross Fiduciary Income % Nonint Inc 23.82 N/A 27.97

Fiduciary Income % Fiduciary Assets Bank TRST305 PCT Bank PCT Bank TRST305 PCT Personal Trust and Agency 1 0.72 70 N/A N/A N/A 1 0.72 75.00 Employee Benefit DC 1 0.39 68 N/A N/A N/A 1 0.39 69.00 Employee Benefit DB N/A 0.30 N/A N/A N/A N/A N/A 0.26 N/A Other EB & Retirement-Related 1 0.47 60 N/A N/A N/A 1 0.49 45.00 Corporate Trust and Agency N/A 2.43 N/A N/A N/A N/A N/A 1.94 N/A Inv Mgmt & Inv Advisory Agency 0 0.57 26 N/A N/A N/A 1 0.57 73.00 Other Fiduciary N/A 1.10 N/A N/A N/A N/A N/A 15.57 N/A Total Fiduciary Assets 1 0.46 68 N/A N/A N/A 1 0.45 79.00 Custody and Safekeeping 0 0.16 74 N/A N/A N/A 0 0.16 50.00 Memo: Fiduciary Income Foreign N/A 0.00 N/A N/A N/A N/A N/A 0.00 N/A

Collective/Common Trust Fund Assets '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Domestic Equity 0 N/A N/A N/A N/A N/A 0 N/A N/A International/Global Equity 0 N/A N/A N/A N/A N/A 0 N/A N/A Stock/Bond Blend 0 N/A N/A N/A N/A N/A 0 N/A N/A Taxable Bond 0 N/A N/A N/A N/A N/A 0 N/A N/A Municipal Bond 0 N/A N/A N/A N/A N/A 0 N/A N/A Short Term/Money Market 0 N/A N/A N/A N/A N/A 0 N/A N/A Specialty/Other 0 N/A N/A N/A N/A N/A 0 N/A N/A Total Trust Funds 0 N/A N/A N/A N/A N/A 0 N/A N/A

Collective/Common Trust Fund Accounts (#) %Total %Change (#) %Total %Change (#) %Total %Change Domestic Equity 0 N/A N/A N/A N/A N/A 0 N/A N/A International/Global Equity 0 N/A N/A N/A N/A N/A 0 N/A N/A Stock/Bond Blend 0 N/A N/A N/A N/A N/A 0 N/A N/A Taxable Bond 0 N/A N/A N/A N/A N/A 0 N/A N/A Municipal Bond 0 N/A N/A N/A N/A N/A 0 N/A N/A Short Term/Money Market 0 N/A N/A N/A N/A N/A 0 N/A N/A Specialty/Other 0 N/A N/A N/A N/A N/A 0 N/A N/A Total Trust Funds 0 N/A N/A N/A N/A N/A 0 N/A N/A

FDIC Certificate # 55555 FRB District/ID_RSSD 11 / 555555 FIVE BANK FIVE, TX Fiduciary Services-bOCC Charter # 0 County: FIVE Fiduciary & Related Services--Page 14APublic Report

Gross Fiduciary Losses - Managed '($000)' %Rev TRST305 PCT '($000)' %Rev PCT '($000)' %Rev TRST305 PCT Personal Trust and Agency 0.00 0.00 0 96.00 N/A N/A N/A N/A 0 0.00 0.00 93 EB & Retirement Related Trust & Agency 0.00 0.00 0 99.00 N/A N/A N/A N/A 0 0.00 0.23 97 Inv Mgmt & Inv Advisory Agency 0.00 0.00 0 97.00 N/A N/A N/A N/A 0 0.00 0.15 95 Other Fiduciary 0.00 0.00 0 99.00 N/A N/A N/A N/A 0 0.00 0.00 99 Total Gross Managed Losses 0.00 0.00 0 94.00 N/A N/A N/A N/A 0 0.00 0.01 91

Gross Fiduciary Losses - Non Managed Personal Trust and Agency 0.00 0.00 0 99.00 N/A N/A N/A N/A 0 0.00 0.15 97 EB & Retirement Related Trust & Agency 0.00 0.00 1 98.00 N/A N/A N/A N/A 0 0.00 0.15 97 Inv Mgmt & Inv Advisory Agency 0.00 0.00 0 99.00 N/A N/A N/A N/A 0 0.00 0.00 99 Other Fiduciary 0.00 0.00 0 98.00 N/A N/A N/A N/A 0 0.00 0.13 97 Total Gross Non Managed Losses 0.00 0.00 0 98.00 N/A N/A N/A N/A 0 0.00 0.16 95

Net Fiduciary Losses - ALL Personal Trust and Agency 0.00 0.00 0 97.00 N/A N/A N/A N/A 0 0.00 0.00 92 EB & Retirement Related Trust & Agency 0.00 0.00 1 98.00 N/A N/A N/A N/A 0 0.00 0.38 96 Inv Mgmt & Inv Advisory Agency 0.00 0.00 0 97.00 N/A N/A N/A N/A 0 0.00 0.15 95 Other Fiduciary 0.00 0.00 0 98.00 N/A N/A N/A N/A 0 0.00 0.13 97 Total Net Losses 0.00 0.00 0 95.00 N/A N/A N/A N/A 0 0.00 0.02 88

Corporate Trust and Agency '($000)' #ISS %Change '($000)' #ISS %Change '($000)' #ISS %Change

Corporate and Muni Trusteeships 0.00 0.00 N/A N/A N/A N/A 0.00 0.00 N/A Issues in Default 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A All Other Corporate N/A 0.00 N/A N/A N/A N/A N/A 0.00 N/A

Managed Assets in Fiduciary Accts '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Noninterest-Bearing Deposits 45.00 0.05 10 N/A N/A N/A 41 0.05 105.00 Interest-Bearing Deposits 22,665.00 N/A 15 N/A N/A N/A 19,626 N/A 4.29 U.S. Treasury & Agency 355.00 0.37 -90 N/A N/A N/A 3,508 4.62 -48.53 State, County & Municipal 1,594.00 1.64 -6 N/A N/A N/A 1,688 2.22 47.42 Money Market Mutual Funds 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A Equity Mutual Funds 6,934.00 7.15 -13 N/A N/A N/A 7,973 10.49 -12.15 Other Mutual Funds 4,474.00 4.61 25 N/A N/A N/A 3,566 4.69 21.83 Common & Collective Funds 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A Other Short-Term Obligations 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A Other Notes and Bonds 3,077.00 3.17 -7 N/A N/A N/A 3,293 4.33 -1.29 Unregistered Funds & Private Equity 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A Other Common & Preferred Stocks 29,294.00 30.20 80 N/A N/A N/A 16,249 21.38 -2.76 Real Estate Mortgages 812.00 0.84 -8 N/A N/A N/A 879 1.16 -7.96 Real Estate 25,067.00 25.85 57 N/A N/A N/A 16,015 21.08 25.70 Miscellaneous Assets 2,672.00 2.76 -15 N/A N/A N/A 3,151 4.15 51.27 Total Managed Assets 96,989.00 100.00 28 N/A N/A N/A 75,989 100.00 1.83

Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds 0.00 0.00 N/A N/A N/A N/A 0 0.00 N/A

Peer Group Descriptions for Fiduciary & Related Services: Peer NumberTrust Assets less than $250 million TRST305

Memo: Fiduciary Income Foreign N/A 0.00 N/A N/A N/A N/A N/A 0.00 N/A

Collective/Common Trust Fund Assets '($000)' %Total %Change '($000)' %Total %Change '($000)' %Total %Change Domestic Equity 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A International/Global Equity 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Stock/Bond Blend 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Taxable Bond 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Municipal Bond 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Short Term/Money Market 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Specialty/Other 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Total Trust Funds 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A

Collective/Common Trust Fund Accounts (#) %Total %Change (#) %Total %Change (#) %Total %Change Domestic Equity 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A International/Global Equity 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Stock/Bond Blend 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Taxable Bond 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Municipal Bond 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Short Term/Money Market 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Specialty/Other 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A Total Trust Funds 0.00 N/A N/A N/A N/A N/A 0.00 N/A N/A

12/31/20119/30/201212/31/2012

Net Interest Income (TE):Avg Assets

Net Income:Avg Assets 0.99 3.73 49 '124.05 3.76 68 '11 Fiduciary Activities (inc)

1.54 0.64 91 '12 4.11 3.77 72 '101.63 0.38 93 '11 4.12 3.83 70 '091.56 0.13 93 '10 4.65 3.87 88 '08 Deposit Service Charges1.51 -0.01 94 '091.29 0.41 85 '08 Noninterest Income:

Avg Assets Net from Trading Fees &1.62 0.69 91 '12 Comms (if available)1.49 0.63 91 '111.50 0.64 93 '10 Foreign Exchange Trading Average Assets per1.30 0.66 89 '09 (if available) employee-$MM1.16 0.70 84 '08 3.01 3.97 20 '12

Other Non-Interest Income 3.03 3.89 23 '112.82 3.81 18 '102.38 3.78 5 '09

Personnel Expense: 2.46 3.56 11 '08Avg Assets

Non-interest expense: 2.37 1.70 90 '12 Average Personnel ExpAvg Assets 2.35 1.67 92 '11 per equiv Emp-$M

3.71 3.32 72 '12 2.52 1.65 95 '10 65.89 64.70 58 '123.83 3.33 75 '11 2.56 1.65 96 '09 66.04 62.01 66 '114.20 3.34 85 '10 2.66 1.73 95 '08 65.48 60.54 70 '104.36 3.29 89 '09 61.68 59.04 63 '094.36 3.24 90 '08 60.42 57.77 63 '08

Provision for loan & lease Premises, fixed assets:losses: Avg Assets Occupancy Expense: Avg Assets

0.14 0.29 35 '12 Avg Assets 2.73 2.24 64 '120.16 0.51 25 '11 0.35 0.43 31 '12 3.22 2.24 75 '110.20 0.78 19 '10 0.41 0.44 45 '11 3.76 2.24 85 '100.21 0.94 16 '09 0.48 0.45 58 '10 3.74 2.31 83 '090.15 0.56 23 '08 0.48 0.46 57 '09 3.06 2.36 71 '08

0.44 0.47 44 '08Realized G/L Avg Assets per domesicHTM Securities office

0.00 0.07 37 '12 Other operating expenses:0.02 0.05 52 '11 Avg Assets0.00 0.05 45 '10 0.99 1.16 37 '120.21 0.04 90 '09 1.06 1.19 43 '11 Effiency Ratio0.00 -0.01 63 '08 1.20 1.21 56 '10

1.31 1.16 71 '09 68.59 76.82 34 '12Realized G/L 1.26 1.01 78 '08 68.01 76.82 33 '11AFS Securities 70.23 78.35 40 '10

74.12 78.56 48 '09Net Extraordinary Items: 75.23 73.87 56 '08Avg Assets

Applicable Income Tax:Avg Assets Net Interest Income+NonInterest Income

or…68.59 to make $100 in revenue

Overhead

Total Loans & Leases Real Estate Loans Real Estate Loans(Yield On) (yield on) Avg Gross Lns & Leases

Interest Income (TE): 5.82 5.82 53 '12 5.43 5.76 30 '12 44.07 79.85 1 '12Avg Earning Assets 6.14 6.02 62 '11 6.31 5.95 72 '11 41.51 79.18 1 '11

Interest Income (TE): 4.21 4.62 25 '12 6.13 6.16 50 '10 6.30 6.10 64 '10 40.28 78.59 1 '10Avg Assets 4.82 4.94 41 '11 6.22 6.30 48 '09 6.27 6.26 53 '09 39.31 77.94 1 '09

3.88 4.25 26 '12 5.45 5.24 64 '10 7.25 7.01 68 '08 6.93 6.92 53 '08 34.45 76.91 0 '084.36 4.56 35 '11 5.39 5.62 33 '094.86 4.82 52 '10 6.26 6.42 39 '08 Other Interest Income US Treasury & agency Commercial & Industria Commercial & Industrial5.06 5.22 37 '09 Securities Loans (yield on) Avg Gross Lns & Leases5.76 6.00 31 '08 Average Earning Assets 1.62 1.67 48 '12 5.93 6.07 50 '12 48.59 12.34 99 '12

Avg Assets 2.71 2.09 74 '11 5.97 6.29 41 '11 49.95 12.72 99 '11Net Loans and Leases 92.17 92.37 44 '12 3.50 2.64 75 '10 5.58 6.42 19 '10 50.70 13.01 99 '10Avg Assets 90.42 92.55 25 '11 4.16 3.59 65 '09 5.93 6.38 35 '09 51.20 13.53 99 '0957.94 62.02 34 '12 89.16 92.32 17 '10 5.34 4.58 84 '08 7.33 7.15 62 '08 55.28 14.21 99 '0858.34 64.09 30 '11 94.00 92.92 62 '0964.45 66.61 38 '10 91.92 93.43 26 '08 Investment Securities Mortgage backed securities Loans to Individuals Loans to Individuals60.86 69.60 22 '09 (Yield On) (yield on) (yield on) Avg Gross Lns & Leases56.53 71.04 13 '08 2.52 2.54 52 '12 2.57 2.17 71 '12 8.18 7.54 68 '12 7.28 3.18 86 '12

3.25 3.07 57 '11 3.49 3.02 72 '11 6.90 7.85 33 '11 8.45 3.53 87 '11Debt Securities: 3.92 3.59 63 '10 4.02 3.64 65 '10 6.84 7.90 27 '10 8.88 3.86 87 '10Avg Assets 4.39 4.34 51 '09 4.60 4.48 55 '09 7.69 7.98 44 '09 9.26 4.01 87 '09

5.10 4.94 61 '08 4.92 4.91 48 '08 8.34 8.38 49 '08 9.98 4.37 87 '08Interest-Bearing BankBalances: Avg Assets Interest Bearing Bank All other securities Agriculture Loans Agriculture Loans:

Balances (Yield On) (yield on) (yield on) Avg Gross Lns & LeasesFederal Funds Sold 0.25 0.35 43 '12 2.75 3.22 29 '12 N/A 5.75 N/A '12 0.00 1.60 37 '12Avg Assets 0.28 0.37 55 '11 3.93 3.60 64 '11 N/A 6.21 N/A '11 0.00 1.52 37 '11

0.53 0.51 64 '10 4.27 3.88 72 '10 N/A 6.36 N/A '10 0.00 1.40 39 '10Trading Acct Securities: 0.27 0.81 44 '09 4.26 4.01 67 '09 N/A 6.43 N/A '09 0.00 1.36 38 '09Avg Assets N/A 2.28 N/A '08 3.90 4.16 38 '08 N/A 7.05 N/A '08 0.00 1.33 38 '08

Equity Securities: Federal Funds SoldAvg Assets (Yield On)

N/A 0.22 N/A '12N/A 0.23 N/A '110.78 0.20 93 '100.22 0.20 56 '091.80 2.13 19 '08

Interest ExpenseAvg Assets

0.09 0.63 1 '120.22 0.87 2 '110.38 1.18 2 '100.48 1.65 1 '091.12 2.31 2 '08

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Transactions Accounts All other time deposits(cost of) (cost of)

Total Interest Bearing 0.02 0.27 1 '12 0.37 1.21 0 '12Deposits (cost of) 0.04 0.36 1 '11 0.87 1.56 6 '11

0.20 0.78 1 '12 0.07 0.47 3 '10 0.86 2.04 1 '100.43 1.06 4 '11 0.05 0.60 1 '09 1.50 2.85 1 '090.70 1.43 4 '10 0.09 0.97 0 '08 3.09 3.97 4 '080.90 2.05 2 '092.13 2.96 11 '08 Other savings & deposits Foreign Office Deposits

(cost of) (cost of)Interest Expense 0.06 0.37 0 '12 N/A 0.00 N/A '12Avg Earning Assets 0.19 0.54 7 '11 N/A 0.39 N/A '11

0.10 0.69 1 '12 0.34 0.75 12 '10 N/A 0.50 N/A '100.24 0.94 2 '11 0.51 1.02 14 '09 N/A 1.14 N/A '090.42 1.28 2 '10 1.47 1.67 41 '08 N/A 2.83 N/A '080.52 1.78 0 '091.22 2.47 2 '08 Time deps over $100M

(cost of)0.67 1.24 7 '120.96 1.55 8 '111.69 1.98 28 '101.81 2.81 5 '093.42 3.98 15 '08

Federal Funds Purchased& Repos (cost of)

N/A 0.36 N/A '12N/A 0.46 N/A '110.82 0.53 67 '101.52 0.71 83 '090.00 2.11 10 '08

Other Borrowings (+ noteoption) (cost of)

N/A 2.40 N/A '12N/A 2.59 N/A '11N/A 2.77 N/A '10N/A 2.97 N/A '09N/A 3.71 N/A '08

Subord Notes & Debentures (cost of)

N/A 5.66 N/A '12N/A 6.10 N/A '11N/A 9.98 N/A '10N/A 5.87 N/A '09N/A 7.09 N/A '08

Interest-bearing transaction Foreign office depositsaccts:avg assets avg assets

4.17 12.63 14 '12 0.00 0.00 99 '124.83 11.90 20 '11 0.00 0.02 99 '113.97 11.23 14 '10 0.00 0.02 99 '106.22 10.63 31 '09 0.00 0.02 99 '094.14 9.84 21 '08 0.00 0.03 99 '08

Interest-Bearing Funds Interest-bearing non-trans Other borrowings:Avg Assets accts:avg assets avg assets45.94 74.26 0 '12 43.65 68.40 4 '12 0.00 0.00 88 '1250.28 75.75 1 '11 47.13 71.02 4 '11 0.00 0.02 80 '1154.15 77.13 1 '10 51.77 73.61 4 '10 0.00 0.04 75 '1054.12 77.38 0 '09 55.63 75.04 6 '09 0.00 0.04 77 '0952.65 76.61 0 '08 53.43 75.95 3 '08 0.00 0.04 75 '08

Federal funds & repos Subord notes & debenturesavg assets avg assets

0.00 0.40 60 '12 0.00 0.02 98 '120.00 0.43 58 '11 0.00 0.01 98 '110.14 0.52 61 '10 0.00 0.01 98 '100.57 0.67 65 '09 0.00 0.01 98 '090.00 0.92 35 '08 0.00 0.02 97 '08

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