Stifel Trust Company, National Association

Saint Louis, MO · Cert 59065

FDIC

Q4 2015

$8.8MAssets

n/aLoans

n/aDeposits

$8.5MEquity

Executive Summary

Return on Assets (quarter, annualized)

0.85%+111 bps YoY

Net Interest Margin (quarter, annualized)

0.43%+12 bps YoY

Efficiency Ratio (quarter, annualized)

96.02%-456 bps YoY

Tier 1 Leverage Ratio

91.84%

Discrete quarter, annualized.

Metric	Q1 2014	Q2 2014	Q3 2014	Q4 2014	Q1 2015	Q2 2015	Q3 2015	Q4 2015	YoY Δ	Trend
Earnings
Return on Assets	-4.18%	-2.76%	-2.46%	-0.27%	-0.13%	0.35%	0.18%	0.85%	+111 bps
Return on Equity	-4.41%	-2.90%	-2.59%	-0.28%	-0.14%	0.38%	0.19%	0.90%	+118 bps
Net Interest Margin	0.35%	0.35%	0.31%	0.31%	0.30%	0.35%	0.35%	0.43%	+12 bps
Efficiency Ratio	132.91%	119.62%	117.17%	100.58%	101.00%	98.28%	99.00%	96.02%	-456 bps
Non-Interest Burden	7.16%	4.90%	4.60%	0.49%	0.61%	-0.22%	0.00%	-1.00%	-149 bps
Growth
Asset Growth (YoY)	14.86%	15.85%	18.17%	-1.33%	0.21%	0.73%	1.50%	-1.81%	-48 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	n/a	n/a	n/a	n/a	91.66%	92.56%	91.58%	91.84%	n/a
Total Risk-Based Capital	248%	250%	246%	252%	245%	249%	244%	250%	-253 bps
Equity / Assets	94.58%	95.66%	94.05%	93.74%	93.05%	94.39%	92.74%	95.78%	+204 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	0.09%	0.71%	0.50%	0.06%	0.06%	0.12%	0.04%	0.26%	+20 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a