Ing National Trust

Minneapolis, MN · Cert 35579

FDIC

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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.

Minneapolis, MN · Cert 35579

FDIC

Q2 2014

$6.8MAssets

n/aLoans

n/aDeposits

$6.4MEquity

Return on Assets (YTD, annualized)

2.36%+590 bps YoY

Net Interest Margin (YTD, annualized)

0.85%-15 bps YoY

Efficiency Ratio (YTD, annualized)

91.97%-1,586 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2013	Q3 2013	Q4 2013	Q1 2014	Q2 2014	YoY Δ	Trend
Earnings
Return on Assets	-3.54%	2.20%	10.55%	-0.38%	2.36%	+590 bps
Return on Equity	-4.27%	2.66%	12.81%	-0.44%	2.69%	+696 bps
Net Interest Margin	1.00%	0.92%	0.79%	0.69%	0.85%	-15 bps
Efficiency Ratio	107.83%	93.92%	78.28%	101.07%	91.97%	-1,586 bps
Non-Interest Burden	6.11%	-2.83%	-14.93%	1.06%	-2.32%	-843 bps
Growth
Asset Growth (YoY)	-1.56%	1.66%	12.44%	7.30%	4.55%	+611 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	353%	343%	275%	307%	329%	-2,422 bps
Equity / Assets	83.80%	82.02%	81.23%	89.06%	93.91%	+1,011 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	68.07%	67.74%	56.00%	37.77%	37.00%	-3,107 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a