Warehouse Trust Company LLC, The

New York, NY · Cert 59037

FDIC

Q4 2016

$6.8MAssets

n/aLoans

n/aDeposits

$3.5MEquity

Executive Summary

Return on Assets (quarter, annualized)

104.23%+1,212 bps YoY

Net Interest Margin (quarter, annualized)

0.00%0 bps YoY

Efficiency Ratio (quarter, annualized)

52.75%-1,085 bps YoY

Tier 1 Leverage Ratio

61.88%-653 bps YoY

Discrete quarter, annualized.

Metric	Q1 2015	Q2 2015	Q3 2015	Q4 2015	Q1 2016	Q2 2016	Q3 2016	Q4 2016	YoY Δ	Trend
Earnings
Return on Assets	-0.32%	12.81%	35.10%	92.11%	91.67%	74.58%	119.34%	104.23%	+1,212 bps
Return on Equity	-0.35%	14.10%	42.51%	122.02%	125.07%	96.20%	152.83%	169.51%	+4,749 bps
Net Interest Margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Efficiency Ratio	100.13%	91.35%	66.28%	63.61%	59.63%	58.60%	36.49%	52.75%	-1,085 bps
Non-Interest Burden	0.34%	-20.74%	-111.95%	-153.99%	-164.92%	-143.68%	-246%	-214%	-5,961 bps
Growth
Asset Growth (YoY)	-9.74%	-8.44%	-15.58%	-49.35%	-22.64%	-22.55%	-27.91%	19.96%	+6,931 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)	n/a	n/a	n/a	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	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	96.14%	90.60%	91.40%	68.41%	90.93%	99.75%	76.38%	61.88%	-653 bps
Total Risk-Based Capital	207%	239%	159.15%	211%	148.98%	335%	194.49%	133.99%	-7,723 bps
Equity / Assets	91.97%	89.83%	74.19%	77.82%	70.31%	84.31%	70.36%	51.90%	-2,592 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	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%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a