Deposit Insurance National Bank of New Baltimore

New Baltimore, MI · Cert 59022

FDIC

Q4 2009

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: Q4 2009, the quarter ended December 31, 2009, 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.

New Baltimore, MI · Cert 59022

FDIC

Q4 2009

$163.9MAssets

$127.5MLoans

$38.3MDeposits

$1.5MEquity

Return on Assets (YTD, annualized)

-6.91%

Net Interest Margin (YTD, annualized)

3.13%

Efficiency Ratio (YTD, annualized)

201%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2009	YoY Δ	Trend
Earnings
Return on Assets	-6.91%	n/a	n/a
Return on Equity	n/a	n/a	n/a
Net Interest Margin	3.13%	n/a	n/a
Efficiency Ratio	201%	n/a	n/a
Non-Interest Burden	5.49%	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	0.00%	n/a	n/a
Net Charge-Offs / Loans	4.63%	n/a	n/a
Allowance / Loans	4.28%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a
Total Risk-Based Capital	2.69%	n/a	n/a
Equity / Assets	0.92%	n/a	n/a
Liquidity & Funding
Loans / Deposits	333%	n/a	n/a
Liquid Assets / Assets	0.03%	n/a	n/a
CRE / Total Capital	n/a	n/a	n/a