Trust Industrial Bank

Denver, CO · Cert 35400

FDIC

Q3 2009

$797.7MAssets

n/aLoans

$713.1MDeposits

$78.4MEquity

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

-0.83%-229 bps YoY

Net Interest Margin (quarter, annualized)

0.19%-404 bps YoY

Efficiency Ratio (quarter, annualized)

128.41%+5,039 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2007	Q1 2008	Q2 2008	Q3 2008	Q4 2008	Q1 2009	Q2 2009	Q3 2009	YoY Δ	Trend
Earnings
Return on Assets	1.63%	-0.42%	-0.67%	1.46%	0.23%	0.34%	1.99%¹	-0.83%	-229 bps
Return on Equity	2.15%	-3.73%	-6.08%	13.86%	2.24%	3.21%	19.67%	-8.64%	-2,250 bps
Net Interest Margin	3.49%	4.53%	4.30%	4.23%	4.24%	4.78%	3.64%	0.19%	-404 bps
Efficiency Ratio	41.18%	102.62%	112.68%	78.02%	88.39%	92.29%	90.16%	128.41%	+5,039 bps
Non-Interest Burden	0.81%	4.83%	5.58%	2.37%	3.39%	4.25%	2.88%	1.48%	-89 bps
Growth
Asset Growth (YoY)	9.84%	32348%	32304%	31455%	31126%	-2.67%	-7.41%	-12.94%	-3,146,770 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)	24.69%	111050%	137662%	127670%	117099%	-1.37%	-4.29%	-11.27%	-12,768,154 bps
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	77.01%	39.15%	41.00%	37.11%	33.67%	34.72%	15.73%	16.83%	-2,029 bps
Equity / Assets	74.53%	11.12%	11.01%	10.06%	10.43%	10.74%	9.43%	9.83%	-23 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.00%	83.03%	83.95%	81.35%	76.89%	74.98%	8.82%	9.43%	-7,192 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a