Southwest Trust Company, National Association

Oklahoma City, OK · Cert 33884

FDIC

Q4 2011

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 2011, the quarter ended December 31, 2011, 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.

Oklahoma City, OK · Cert 33884

FDIC

Q4 2011

$54.7MAssets

n/aLoans

n/aDeposits

$54.7MEquity

Return on Assets (YTD, annualized)

0.80%+16 bps YoY

Net Interest Margin (YTD, annualized)

0.52%-53 bps YoY

Efficiency Ratio (YTD, annualized)

32.76%-1,586 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2010	Q1 2011	Q2 2011	Q3 2011	Q4 2011	YoY Δ	Trend
Earnings
Return on Assets	0.64%	0.77%	0.89%	0.86%	0.80%	+16 bps
Return on Equity	0.64%	0.77%	0.89%	0.86%	0.80%	+16 bps
Net Interest Margin	1.05%	0.71%	0.67%	0.58%	0.52%	-53 bps
Efficiency Ratio	48.61%	38.49%	31.24%	30.11%	32.76%	-1,586 bps
Non-Interest Burden	0.02%	-0.55%	-0.78%	-0.80%	-0.77%	-79 bps
Growth
Asset Growth (YoY)	0.63%	0.61%	0.78%	0.79%	0.81%	+17 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	526%	527%	524%	523%	520%	-612 bps
Equity / Assets	99.99%	99.87%	99.96%	99.99%	99.99%	0 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	92.18%	92.23%	92.13%	92.08%	92.03%	-15 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a