First Citizens Trust Company, NA

Mason City, IA · Cert 34212

FDIC

Q4 2012

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 2012, the quarter ended December 31, 2012, 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.

Mason City, IA · Cert 34212

FDIC

Q4 2012

$7.0MAssets

n/aLoans

n/aDeposits

$6.9MEquity

Return on Assets (YTD, annualized)

19.29%+432 bps YoY

Net Interest Margin (YTD, annualized)

1.57%-42 bps YoY

Efficiency Ratio (YTD, annualized)

60.15%-658 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2011	Q1 2012	Q2 2012	Q3 2012	Q4 2012	YoY Δ	Trend
Earnings
Return on Assets	14.96%	16.49%	16.66%	18.07%	19.29%	+432 bps
Return on Equity	15.46%	16.97%	17.16%	18.60%	19.84%	+438 bps
Net Interest Margin	1.99%	1.88%	1.78%	1.71%	1.57%	-42 bps
Efficiency Ratio	66.73%	63.08%	62.47%	59.71%	60.15%	-658 bps
Non-Interest Burden	-12.75%	-15.65%	-15.12%	-16.61%	-15.86%	-311 bps
Growth
Asset Growth (YoY)	19.60%	19.55%	19.72%	19.07%	19.25%	-35 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	267%	250%	249%	251%	101.70%	-16,500 bps
Equity / Assets	97.29%	96.95%	97.06%	97.27%	97.48%	+18 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	21.18%	24.62%	27.75%	30.19%	91.39%	+7,021 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a