Bankers Trust Florida, N.A.

Palm Beach, FL · Cert 23592

FDIC

Q4 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Palm Beach, FL · Cert 23592

FDIC

Q4 2007

$21.7MAssets

n/aLoans

n/aDeposits

$15.4MEquity

Return on Assets (YTD, annualized)

3.99%+60 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-30 bps YoY

Efficiency Ratio (YTD, annualized)

74.88%-133 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2006	Q1 2007	Q2 2007	Q3 2007	Q4 2007	YoY Δ	Trend
Earnings
Return on Assets	3.40%	7.61%	5.39%	3.26%	3.99%	+60 bps
Return on Equity	4.44%	9.78%	6.92%	4.23%	5.28%	+84 bps
Net Interest Margin	4.04%	3.21%	3.36%	3.62%	3.74%	-30 bps
Efficiency Ratio	76.21%	45.78%	61.87%	80.29%	74.88%	-133 bps
Non-Interest Burden	-2.98%	-9.93%	-6.86%	-1.73%	-3.80%	-82 bps
Growth
Asset Growth (YoY)	1.55%	5.04%	7.44%	9.83%	11.61%	+1,005 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	217%	229%	310%	224%	153.31%	-6,405 bps
Equity / Assets	75.30%	80.43%	78.10%	74.00%	71.12%	-418 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	48.05%	34.64%	59.88%	51.89%	66.01%	+1,796 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a