CB Wealth Management, National Association

Flint, MI · Cert 57422

FDIC

Q1 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: Q1 2011, the quarter ended March 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.

Flint, MI · Cert 57422

FDIC

Q1 2011

$17.4MAssets

n/aLoans

n/aDeposits

$16.3MEquity

Return on Assets (YTD, annualized)

38.41%+1,565 bps YoY

Net Interest Margin (YTD, annualized)

0.57%-10 bps YoY

Efficiency Ratio (YTD, annualized)

59.49%-2,053 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2010	Q2 2010	Q3 2010	Q4 2010	Q1 2011	YoY Δ	Trend
Earnings
Return on Assets	22.76%	18.60%	14.73%	16.03%	38.41%	+1,565 bps
Return on Equity	24.19%	19.96%	15.87%	17.28%	41.24%	+1,705 bps
Net Interest Margin	0.68%	0.64%	0.58%	0.57%	0.57%	-10 bps
Efficiency Ratio	80.02%	83.48%	81.00%	77.13%	59.49%	-2,053 bps
Non-Interest Burden	-22.04%	-17.05%	-18.37%	-21.92%	-37.59%	-1,555 bps
Growth
Asset Growth (YoY)	22.05%	28.90%	19.10%	20.58%	24.14%	+208 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	248%	329%	340%	342%	353%	+10,478 bps
Equity / Assets	94.11%	91.52%	91.94%	92.44%	93.77%	-34 bps
Liquidity & Funding
Loans / Deposits	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 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a