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Letter portraitLegal landscapeQuarterYTD

Bankers Trust Company, National Association

Phoenix, AZ · Cert 58742

FDIC

Q2 2009

$65.9MAssets
$50.1MLoans
$50.4MDeposits
$11.8MEquity
Loan mix
82%RE $32.5M18%C&I $7.2M0%Consumer $0.0MQ2 2008Q2 2009
Deposit mix
89%Interest-bearing $45.0M11%Noninterest $5.3MQ2 2008Q2 2009

NIM

6.74%Q1 ’087.18%Q2 ’085.77%Q2 ’09-6%-34%

Non-interest income vs. expense

38.12%Q1 ’089.12%Q2 ’084.58%Q2 ’09-76%-52%

Executive Summary

  • Earnings: ROA of -4.95%, down 152 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 9.67%.
  • Funding: loans stand at 99.48% of deposits as of Q2 2009.

Financial Results

Return on Assets (quarter, annualized)

-4.95%-152 bps YoY

Net Interest Margin (quarter, annualized)

3.91%-201 bps YoY

Efficiency Ratio (quarter, annualized)

112.17%-4,127 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-3.43%-2.52%-3.08%-3.69%-4.95%-152 bps
Return on Equity-6.90%-7.26%-11.79%-16.90%-25.71%-1,881 bps
Net Interest Margin5.92%4.72%3.97%4.13%3.91%-201 bps
Efficiency Ratio153.44%137.58%119.80%120.31%112.17%-4,127 bps
Non-Interest Burden9.10%6.51%4.78%5.02%4.41%-469 bps
Growth
Asset Growth (YoY)n/an/an/a172.68%97.99%n/a
Loan Growth (YoY)n/an/an/a198.39%72.03%n/a
Deposit Growth (YoY)n/an/an/a1801%218%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%3.29%3.89%9.67%+967 bps
Allowance / Loans1.37%1.49%1.31%1.51%1.50%+13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital45.55%33.23%25.68%23.05%22.28%-2,326 bps
Equity / Assets41.12%29.97%23.03%20.68%17.91%-2,321 bps
Liquidity & Funding
Loans / Deposits183.93%192.71%212%124.93%99.48%-8,445 bps
Liquid Assets / Assets0.00%0.00%0.00%0.12%9.70%+970 bps
CRE / Total Capitaln/an/an/an/an/an/an/a