Horizon Trust and Investment Management, National Association

Michigan City, IN · Cert 34376

FDIC

Q2 2009

$4.3MAssets

n/aLoans

n/aDeposits

$4.2MEquity

Executive Summary

Return on Assets (YTD, annualized)

22.02%-859 bps YoY

Net Interest Margin (YTD, annualized)

1.25%-31 bps YoY

Efficiency Ratio (YTD, annualized)

58.63%-79 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 2007	Q4 2007	Q1 2008	Q2 2008	Q3 2008	Q4 2008	Q1 2009	Q2 2009	YoY Δ	Trend
Earnings
Return on Assets	40.25%	40.20%	30.18%	30.61%	29.70%	28.17%	23.77%	22.02%	-859 bps
Return on Equity	40.55%	40.53%	30.39%	30.85%	29.93%	28.39%	23.97%	22.20%	-865 bps
Net Interest Margin	2.42%	1.84%	1.62%	1.56%	1.43%	1.28%	0.80%	1.25%	-31 bps
Efficiency Ratio	58.00%	56.67%	58.69%	59.42%	58.56%	58.72%	58.27%	58.63%	-79 bps
Non-Interest Burden	-72.01%	-55.71%	-48.37%	-47.39%	-44.26%	-40.89%	-38.02%	-33.95%	+1,344 bps
Growth
Asset Growth (YoY)	52.16%	49.37%	48.17%	44.56%	39.11%	32.36%	31.76%	27.73%	-1,682 bps
Loan Growth (YoY)	n/a	n/a	n/a	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	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	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	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	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	175.24%	160.76%	155.68%	147.56%	142.52%	141.65%	532%	132.54%	-1,502 bps
Equity / Assets	99.53%	98.88%	99.67%	99.16%	99.19%	99.24%	99.11%	99.27%	+11 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	64.49%	66.17%	+6,617 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a