FDIC Certificate # 9092 SALIN BANK AND TRUST COMPANY

2006 2007 2008 2009

12/31/2006 12/31/2007 12/31/2008 12/31/2009
Summary
Assets $894.2 $834.3 $776.1 $790.2
Net Income $17.6 $10.7 -$24.1 $1.8
ROA 1.98% 1.24% -3.01% 0.23%
ROE 18.8% 10.3% -34.3% 2.6%
Capital Ratio 10.52% 12.03% 8.78% 8.95%
Asset Growth 2.65% -6.70% -6.97% 1.82%

Balance Sheet Composition

Real Estate 46.4% 45.9% 47.2% 46.7%
Commercial 20.7% 20.9% 21.9% 21.5%
Consumer 3.8% 2.2% 1.9% 2.1%
Other 3.5% 3.8% 4.8% 4.4%
Securities 18.6% 19.4% 17.0% 16.1%
Fixed 7.0% 7.8% 7.3% 9.4%

Checking 6.9% 8.3% 7.6% 8.3%

MMDAs 5.1% 8.4% 10.1% 16.3%
Savings 35.9% 32.6% 31.7% 33.7%
Time 23.0% 27.6% 19.5% 17.3%
Borrowings 29.2% 23.2% 31.0% 24.5%

Capital
Capital Ratio 10.5% 12.0% 8.8% 9.0%
9.0% 9.1% 8.8% 8.7%
Risk-based Capital 13.8% 15.8% 11.2% 11.5%
12.9% 12.7% 12.6% 13.2%

Asset Quality
Non-accrual 0.83% 2.22% 4.58% 4.35%
0.71% 1.28% 2.63% 4.27%

Management Quality
Evaluation of policy and procedures (No Data)

Earnings
2006 2007 2008 2009
ROE
ROA 1.98% 1.24% -3.01% 0.23%
1.26% 1.10% 0.53% 0.11%
Multiplier 9.5 8.3 11.4 11.2
11.1 11.0 11.4 11.5
ROE 18.8% 10.3% -34.3% 2.6%
14.0% 12.1% 6.1% 1.3%
Capital Ratio 10.5% 12.0% 8.8% 9.0%
9.0% 9.1% 8.8% 8.7%
 ROA
Net Interest Margin 4.30% 4.09% 4.11% 3.80%
3.94% 3.77% 3.55% 3.45%
Fee Income 1.1% 1.2% 1.3% 1.4%
0.8% 0.8% 0.8% 0.7%
Operating Expense 3.3% 3.6% 4.1% 4.1%
2.8% 2.9% 2.9% 3.0%
Efficiency Ratio 61% 67% 76% 79%
60% 62% 67% 71%

Spread
Earning Asset Yield 7.3% 7.3% 6.1% 5.2%
7.1% 7.3% 6.3% 5.5%
Costing Liability Rate 3.1% 3.3% 2.0% 1.2%
3.0% 3.4% 2.6% 1.8%
Spread 4.2% 4.0% 4.2% 3.9%
4.1% 3.9% 3.7% 3.7%
Securities Yield 5.1% 5.5% 5.4% 5.6%
4.7% 5.1% 5.0% 4.4%
Loan Yield 7.8% 7.8% 6.3% 5.1%
7.8% 7.9% 6.8% 6.1%
Deposit Cost 3.1% 3.4% 2.2% 1.3%
3.3% 3.8% 2.9% 2.0%
Fed Funds Rate 4.97% 5.02% 1.92% 0.16%

Liquidity
Loans to Assets 74% 73% 76% 75%
71% 72% 71% 68%

Borrowing Capacity 29.9% 30.4% 25.8% 28.6%

Sensitivity
ρ (correlation coefficient)
Earning Asset Yield 99.7%
98.1%
Costing Liability Rate 99.1%
94.2%
Spread 18%
83%
 Jun-10
6/30/2010

$789.9
$2.0
0.52%
5.6%
9.25%
4.39%

47.6% 47.6% 19.0% 2.0% 4.1% 19.9% 7.4%

19.0%
2.0%
4.1%
19.9%
7.4%

6.6% 6.6% 17.1% 32.6% 18.1% 25.6%

17.1%
32.6%
18.1%
25.6%

9.3%
9.0%
12.3%
13.9%

5.67%
4.50%

Jun-10

0.52%
0.56%
10.8
11.1
5.6%
6.2%
9.3%
9.0%
4.06%
3.55%
1.3%
0.7%
3.8%
2.9%
71%
68%

5.2%
5.2%
0.9%
1.4%
4.2%
3.8%
6.1%
3.9%
5.2%
5.9%
0.9%
1.5%
0.16%

73%
67%

29.2%
FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BANK AND TRU
OCC Charter # 0 County: MARION Summary Ratios--Page
Public Report
12/31/2006 12/31/2007
Earnings and Profitability BANK PG 3 PCT BANK PG 3 PCT
Percent of Average Assets:
Interest Income (TE) 7.04 6.63 71 6.97 6.82 58
- Interest Expense 2.74 2.7 52 2.88 3.07 36
Net Interest Income (TE) 4.3 3.94 70 4.09 3.77 69
+ Noninterest Income 1.08 0.83 74 1.24 0.82 81
- Noninterest Expense 3.29 2.84 73 3.55 2.85 82
- Provision: Loan & Lease Losses 0.01 0.15 13 0.4 0.21 81
Pretax Operating Income (TE) 2.08 1.82 66 1.38 1.56 38
+ Realized Gains/Losses Sec 0 0 74 0.01 0 85
Pretax Net Operating Income (TE) 2.08 1.81 66 1.39 1.55 38
Net Operating Income 1.98 1.26 89 1.24 1.1 62
Adjusted Net Operating Income 1.61 1.33 72 1.31 1.19 62
Net Inc Attrib to Min Ints N/A 0 N/A N/A 0 N/A
Net Income Adjusted Sub S 1.35 1.17 67 0.9 1.01 37
Net Income 1.98 1.26 89 1.24 1.1 62

Margin Analysis:
Avg Earning Assets to Avg Assets 96.29 94.04 84 95.29 93.94 68
Avg Int-Bearing Funds to Avg Assets 84.96 79.62 79 83.77 80.05 70
Int Inc (TE) to Avg Earn Assets 7.31 7.06 64 7.32 7.28 51
Int Expense to Avg Earn Assets 2.84 2.88 46 3.02 3.27 33
Net Int Inc-TE to Avg Earn Assets 4.47 4.21 64 4.29 4.03 66

Loan & Lease Analysis:

Net Loss to Average Total LN&LS 0.49 0.11 93 0.43 0.18 85
Earnings Coverage of Net Losses (X) 5.14 57.97 8 4.98 31.11 17
LN&SL Allowance to LN&LS Not HFS 1.1 1.21 37 1.3 1.21 67
LN&LS Allowance to Net Losses (X) 2.14 26.6 6 2.84 15.59 15
LN&LS Allowance to Total LN&LS 1.1 1.2 38 1.3 1.21 67
Total LN&LS-90+ Days Past Due 0 0.08 35 0 0.11 31
-Nonaccrual 0.75 0.44 74 2.03 0.81 85
-Total 0.75 0.58 68 2.03 1.04 82

Liquidity
Net Non Core Fund Dependence 26.77 24.43 57 20.86 25.65 36
Net Loans & Leases to Assets 74.46 70.71 59 72.8 71.61 48

Capitalization
Tier One Leverage Capital 10.52 9.02 83 12.03 9.06 91
Cash Dividends to Net Income 90.13 39.93 87 49.58 47.84 52
Retained Earnings to Avg Total Equity 1.79 7.37 15 5.39 4.97 50
Rest+Nonac+RE Acq to Eqcap+ALLL 5.47 4.15 66 12.3 8.06 74

Growth Rates
Total Assets 2.65 10.13 20 -6.7 8.22 3
Tier One Capital 2.74 11.64 14 6.66 7.95 48
Net Loans & Leases -7.95 12.34 2 -8.77 10.3 3
Short Term Investments 112.94 59.71 77 3.83 10.12 59
Short Term Non Core Funding 10.96 36.94 25 -3.47 17.27 24

Average Total Assets 885,923 861,809

Total Equity Capital 98,738 105,523
Net Income 17,585 10,690

Number of banks in Peer Group 1,146 1,171

FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BANK AND TRU
OCC Charter # 0 County: MARION Noninterest Income, Ex
Public Report
12/31/2006 12/31/2007
Percent of Average Assets BANK PG 3 PCT BANK PG 3 PCT
Personnel Expense 1.79 1.57 70 1.79 1.57 70
Occupancy Expense 0.54 0.4 81 0.59 0.4 88
Other Oper Exp (Incl Intangibles) 0.96 0.86 68 1.16 0.87 84
Total Overhead Expense 3.29 2.84 73 3.55 2.85 82
Overhead Less Nonint Inc 2.21 1.96 69 2.31 1.98 72
Other Income & Expense Ratios:
Efficiency Ratio 61.15 59.04 58 66.53 61.55 67
Avg Personnel Exp Per Empl($000) 58.84 56.46 62 61.28 58.88 62
Assets Per Employee ($Million) 3.31 3.97 37 3.31 4.14 33

Yield on or Cost of:

Total Loan & Leases (TE) 7.77 7.78 53 7.79 7.93 43
Loans in Domestic Offices 7.75 7.76 53 7.74 7.92 40
Real Estate 7.65 7.61 54 7.26 7.79 26
Secured by 1-4 Fam Resi Prop N/A 0 N/A N/A 0 N/A
All Other Loans Sec Real Estate N/A 0 N/A N/A 0 N/A
Commercial & Industrial 8.16 8.36 48 7.96 8.41 32
Individual 4.47 8.39 2 6.01 8.71 4
Credit Card N/A 10.03 N/A N/A 10.44 N/A
Agricultural 7.99 8.31 38 7.84 8.5 21
Loans in Foreign Offices N/A 7.37 N/A N/A 7.88 N/A
Total Investment Securities (TE) 5.13 4.69 80 5.53 5.06 84
Total Investment Securities (Book) 4.66 4.32 78 4.94 4.69 72
US Treas & Agency (Excl MBS) 4.39 4.2 64 4.81 4.7 55
Mortgage Backed Securities 4.27 4.59 28 5.12 4.91 66
All Other Securities 5.64 4.3 91 4.8 4.38 73
Interest-Bearing Bank Balances 14.42 4.33 96 4.95 4.63 49
Federal Funds Sold & Resales 5.59 4.96 93 4.68 5.07 8
Total Interest Bearing Deposits 3.1 3.27 38 3.35 3.76 28
Transaction accounts 1.22 1.44 48 1.45 1.58 52
Other Savings Deposits 1.88 2.25 38 2.1 2.57 34
Time Deps Over $100M 3.81 4.36 10 4.15 4.87 6
All Other Time Deposits 4.74 4.12 91 5.22 4.77 86
Foreign Office Deposits N/A 3.94 N/A N/A 4.19 N/A

Federal Funds Purchased & Repos 4.37 4.45 42 4.29 4.49 40

Other Borrowed Money 3.98 4.7 15 5.22 4.86 74
Subord Notes & Debentures N/A 6.9 N/A N/A 6.99 N/A
All Interest-Bearing Funds 3.22 3.4 37 3.44 3.85 26

Non-interest Income & Expenses

Fiduciary Activities 1,591 1,687
Deposit Service Charges 5,089 6,064
Trading, Vent Cap, Securtz Inc 0 0
Inv Banking, Advisory Inc 267 308
Insurance Comm & Fees 19 16
Net Servicing Fees 550 526
Loan & Lse Net Gains/Loss 464 324
Other Net Gains/Losses 5 11
Other Non-interest Income 1,604 1,765
Non-interest Income 9,589 10,701
Personnel Expense 15,887 15,442
Occupancy Expense 4,779 5,097
Goodwill Impairment 0 0
Other Intangible Amortiz 885 880
Other Oper Exp(incl Intangibles) 7,627 9,150
Non-Interest Expense 29,178 30,569
Domestic Banking Offices(#) 32 29
Foreign Branches (#) 0 0
Assets Per Domestic Office 27,943 28,768

FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BANK AND TRU
OCC Charter # 0 County: MARION Balance Sheet $--Page
Public Report

12/31/2006 12/31/2007
Assets:
Real Estate Loans 414,803 382,554
Commercial Loans 185,426 174,667
Individual Loans 34,275 18,324
Agricultural Loans 36,427 37,995
Other LN&LS in Domestic Offices 2,241 1,872
LN&LS in Foreign Offices N/A N/A
Loans Held for Sale 356 369
Loans not Held for Sale 672,816 615,043
LN&LS Allowance 7,393 8,016
Net Loans & Leases 665,779 607,396
U.S. Treasury & Agency Securities 119,616 101,784
Municipal Securities 41,741 40,376
Foreign Debt Securities 0 0
All Other Securities 4,415 18,915
Interest-Bearing Bank Balances 241 410
Federal Funds Sold & Resales 0 0
Trading Account Assets 0 0
Total Investments 166,013 161,485
Total Earning Assets 831,792 768,881
Nonint Cash & Due From Banks 26,484 29,451
Premises, Fix Assts, Cap Leases 16,663 16,078
Other Real Estate Owned 525 1,225
Dir & Indir Inv RE Ventures 384 0
Inv in Unconsolidated Subs 0 0
Acceptances & Oth Assets 18,351 18,644
Total Assets 894,199 834,279
Average Assets During Quarter 900,873 840,398

Liabilities:
Demand Deposits 38,478 42,023
All Now & ATS Accounts 16,250 18,191
Money Market Deposit Accounts 40,211 60,896
Other savings Deposits 285,585 237,417
Time Dep Under $100M 182,882 201,108
Core Deposits 563,406 559,635
Time Dep on $100 or More 154,383 91,929
Deposits in Foreign Offices 0 0
Total Deposits 717,789 651,564
Federal Funds Purch & Resale 59,873 69,737
Fed Home Loan Bor Mat < 1 Year 7,933 0
Fed Home Loan Bor Mat > 1 Year 1,643 1,643
Oth Borrowing Mat < 1 Year 0 0
Oth Borrowing Mat > 1 Year 0 0
Acceptances & Other Liabilities 8,223 5,812
Total Liabilities (Incl Mortg) 795,461 728,756
Subordinated Notes & Debentures 0 0
Total Bank Capital & Min Int 98,738 105,523
Total Liabilities & Capital 894,199 834,279

Memoranda:
Officers, Shareholder Loans (#) 2 2
Officers, Shareholder Loans ($) 5,090 4,155
Held-to-Maturity Securities 7,644 5,829
Available-for-Sale Securities 158,128 155,246
All Brokered Deposits 59,256 42,566

FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BANK AND TRU
OCC Charter # 0 County: MARION Balance Sheet Percent
Public Report
12/31/2006 12/31/2007
Percent of Average Assets BANK PG 3 PCT BANK PG 3 PCT
Loans Held For Sale 0.02 0.18 50 0.07 0.16 58
Loans Not Held For Sale 79.18 70.87 74 75.61 71.5 59
Less: LN&LS Allowance 1.1 0.86 84 0.92 0.85 60
Net Loans & Leases 78.11 70.42 72 74.77 71.05 57

Interest-Bearing Bank Balances 0.02 0.31 32 0.04 0.32 39

Federal Funds Sold & Resales 0 1.73 13 0.06 1.89 14
Trading Account Assets 0 0.03 97 0 0.11 95
Held-to-Maturity Securities 0.98 1.36 71 0.78 1.24 71
Available-for-Sale Securities 14.46 15.91 47 17.68 15.21 64

Total Earning Assets 93.58 92.04 73 93.33 92.04 68

Nonint Cash & Due From Banks 2.29 2.7 35 2.51 2.44 57
Premises, Fix Assts & Cap Leases 1.99 1.83 59 1.91 1.91 52
Other Real Estate Owned 0.03 0.06 53 0.14 0.1 71
Dir & Indir Inv RE Ventures 0.02 0 94 0.01 0 94
Inv in Unconsolidated Subs 0 0 87 0 0 88
Acceptances & Other Assets 2.09 3.12 27 2.11 3.22 26
Total Non-Earning Assets 6.42 7.96 26 6.67 7.96 31
Total Assets 100 100 99 100 100 99

Standby Letters of Credit 1.33 0.68 79 1.53 0.65 84

Liabilities
Demand Deposits 4.1 8.4 16 4.56 7.2 29
All NOW & ATS Accounts 1.9 4.88 22 2.1 4.22 28
Money Market Deposit Accounts 1.64 16.05 3 6.08 16.37 18
Other Savings Deposits 33.38 11.55 94 30.43 11.29 92
Time Dep Less Than $100M 21.03 20 53 21.74 21.96 47
Core Deposits 62.05 64.56 38 64.91 64.64 49

Time Deposits of $100M or More 16.51 16.5 53 14.62 16.19 44

Deposits in Foreign Offices 0 0.21 98 0 0.2 98
Total Deposits 78.56 81.96 28 79.53 81.69 33

Federal Funds Purch & Repos 7.96 1.94 92 7.26 1.94 91

Total Fed Home Loan Borrowings 1.76 4.51 32 0.88 4.41 25
Total Other Borrowings 0 0.06 63 0 0.06 63
Memo: Sht Ter N Core Funding 18.9 17.88 58 17.94 19.03 47

Acceptances & Other Liabilities 0.78 0.73 62 0.76 0.78 52

Total Liabilities (Incl Mortg) 89.05 90.65 20 88.43 90.33 17

Subordinated Notes & Debentures 0 0 93 0 0 94

Total Bank Capital & Min Int 10.95 9.27 80 11.57 9.6 82
Total Liabilities & Capital 100 100 96 100 100 97

Memo: All Brokered Deposits 6.26 3.15 77 6.05 3.33 74

Insured Brokered Deposits 5.52 2.79 76 5.01 2.97 74

Loans HFS as a % Loans 0.03 0.24 49 0.1 0.22 57

FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BANK AND TRU
OCC Charter # 0 County: MARION Analysis of Credit Allow
Public Report
12/31/2006 12/31/2007
Analysis Ratios BANK PG 3 PCT BANK PG 3 PCT
Loss Provision to Average Assets 0.01 0.15 13 0.4 0.21 81
Recoveries to Prior Credit Loss 18.48 35.7 33 18.18 42.68 31

Net Loss to Average Total LN&LS 0.49 0.11 93 0.43 0.18 85

Gross Loss to Average Total LN&LS 0.51 0.16 91 0.53 0.24 85
Recoveries to Average Total LN&LS 0.02 0.05 37 0.1 0.04 83

LN&LS Allowance to LN&LS Not HFS 1.1 1.21 37 1.3 1.21 67

LN&LS Allowance to Total LN&LS 1.1 1.2 38 1.3 1.21 67
LN&LS Allowance to Net Losses (X) 2.14 26.6 6 2.84 15.59 15
LN&LS Allowance to Nonaccrual LN&LS (X) 1.47 6.42 24 0.64 3.55 15

Earnings Coverage of Net Losses (X) 5.14 57.97 8 4.98 31.11 17

Net Losses by Type of LN&LS

Real Estate Loans 0.22 0.03 93 0.07 0.09 61
Loans to Finance Comml Real Estate N/A 0.01 N/A N/A 3.48 N/A
Construction & Land Development 0 0.01 81 0 0.12 63
1-4 Family Construction N/A 0 N/A 0 0.1 74
Other Construction & Land N/A 0 N/A 0 0.07 76
Secured by Farmland 0 0 94 0 0 93
Single & Multifamily Mortgage 0.8 0.04 98 0.27 0.08 86
Home Equity Loans 0.03 0.01 85 0.64 0.04 95
1-4 Family Non-Revolving 1.62 0.04 99 -0.02 0.08 5
Multifamily Loans 0 0.02 96 0 0 94
Non-Farm Non-Residential Mtg 0 0.02 72 0 0.04 66
Owner Occupied Nonfarm Nonresidential N/A 0 N/A 0 0.02 78
Other Nonfarm Nonresidential N/A 0 N/A 0 0.03 79
RE Loans in Foreign Offices N/A 0 N/A N/A 0 N/A

Agricultural Loans 0 0.01 87 0 0.01 86

Commercial and Industrial Loans 1.3 0.25 91 1.41 0.32 90
Lease Financing 0 0.05 86 N/A 0.1 N/A
Loans to Individuals 0.23 0.49 39 0.67 0.57 65
Credit Card Plans N/A 1.43 N/A N/A 1.67 N/A

All Other Loans & Leases 0 0.2 71 0 0.23 68

Loans to Foreign Governments N/A 0 N/A N/A 0 N/A

Change: Credit Allowance ($000)

Beginning Balance 10,720 7,393
Gross Credit Losses 3,603 3,482
Memo: Loans HFS Write-down 0 0
Recoveries 156 655
Net Credit Losses 3,447 2,827

Provision: Loan & Lease Losses 120 3,450

Other Adjustments 0 0
LN&LS Allowance 7,393 8,016

Average Total Loans & Leases 702,309 652,227

FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BANK AND TRU
OCC Charter # 0 County: MARION Analysis of Concentrati
Public Report
12/31/2006 12/31/2007
Loan & Leases as a % of Total Capital BANK PG 3 PCT BANK PG 3 PCT
Construction & Development 121.31 117.41 59 124.01 123.57 58
1-4 Family Construction N/A 0 N/A 18.3 38.22 37
Other Const & Land Development N/A 0 N/A 105.72 84.34 65
1-4 Family Residential 98.31 164.16 28 87.98 162.09 25
Home Equity Loans 44.78 23.99 77 43.42 23.37 78
Other Real Estate Loans 188.62 257.5 26 140.59 259.63 13
Farmland 4.1 13.33 49 2.84 15.42 42
Multifamily 10.48 15.01 45 7.53 15.89 34
Non-Farm Non-Residential 174.05 216.63 35 130.22 215.62 20
Owner Occupied Non-Farm Non-Residen
N/A 0 N/A 39.1 99.92 16
Other Non-Farm Non-Residential N/A 0 N/A 91.12 110.54 43
Total Real Estate 408.23 567.24 19 352.57 574 11

Financial Institution Loans 0 0.56 95 0 1.14 95

Agricultural Loans 35.85 8.12 87 35.02 8.96 86
Commercial & Industrial Loans 171.98 99.75 85 146.92 101.94 75
Loans to Individuals 33.73 31.16 64 16.89 28.7 43
Credit Card Loans 0 0.64 63 0 0.59 65
Municipal Loans 10.51 2.97 86 14.06 3.02 89
Foreign Office Loans & Leases 0 0.59 99 0 0.6 99
All Other Loans 2.21 2.15 68 1.73 2.3 61
Lease Financing Receivables 0 0.53 76 0 0.49 77

Supplemental:
Loans to Foreign Governments 0 0.01 99 0 0 99
Loans to Finance Commercial Real Estate 0 0.87 74 0 0.98 72

Commercial Real Estate Loans as a % of Total Capital:

Non-owner OCC Commercial Real Estate N/A 0 N/A 222.66 273.01 39
Total Commercial Real Estate 305.83 371.53 35 261.76 377.29 28

Commercial Real Estate Loans as a % of Total LN&LS:

Construction & Development 18.31 15.83 63 21.86 16.48 70
Non-owner OCC Commercial Real Estate N/A 0 N/A 39.26 36.33 58
Total Commercial Real Estate 46.16 50.39 42 46.15 50.56 42

-30-89 DAYS P/D 0 0.81 33 0.5 0.91 50

Other Non-Farm Non-Res-90+ Days P/D 0 0.02 88 0 0.04 86

-Nonaccrual 7.02 2.15 86 6.22 2.02 84
-Total 7.02 2.32 85 6.22 2.22 83
-30-89 DAYS P/D 2.3 0.65 85 0 0.81 44

Non-Current LN&LS ($000)

90 Days and Over Past Due 0 16
Total Nonaccrual LN&LS 25,959 18,324
Total Non-Current LN&LS 25,959 18,340
LN&LS 30-89 Days Past Due 2,415 3,631

Restructured LN&LS 90+ Days P/D 0 0

Restructured LN&LS Nonaccrual 0 0
Restructured LN&LS 30-89 Days P/D 0 0

Current 1-4 Family Restru LN&LS 0 0

Current Other Restructured LN&LS 5,954 0
Loans Secured 1-4 RE in Foreclosure 531 590
Other Real Estate Owned 7,692 8,027

12/31/2006 12/31/2007
Capital Ratios BANK PG 3 PCT BANK PG 3 PCT
Percent of Bank Equity:
Net Loans & Leases (x) 6.74 8 30 5.76 8 20
Subord Notes & Debentures 0 0.02 94 0 0.85 95
Long Term Debt 0 0 94 0 1 95
Com RE & Related Ventures 304.86 369.55 39 262.57 366.29 31
Percent of Average Bank Equity:
Net Income 18.11 13.73 78 10.69 11.64 44
Dividends 16.32 5.73 90 5.3 6.02 49
Retained Earnings 1.79 7.37 15 5.39 4.97 50
Other Capital Ratios:
Dividends to Net Operating Income 90.13 40 87 49.58 49 50
Bank Eq Cap + Min Int to Assets 11.04 9.39 80 12.65 9.64 88
Growth Rates:
Total Equity Capital 1.61 12 10 6.87 10 40
Equity Growth Less Asst Growth -1.04 2.33 32 13.57 1.77 89
Intang Assets % Bank Equity
Mortgage Servicing Rights 0.96 0 90 0.66 0 88
Goodwill 0 3.15 57 0 3.65 56
Purch Credit Card Relations 0 0.05 97 0 0.02 97
All Other Intangibles 5.97 1 95 4.78 1 93
Total Intangibles 6.93 4.39 72 5.44 4.88 68

Risk-Based Capital
Tier One RBC to Risk-Wgt Assets 12.75 12 71 14.62 12 84
Total RBC to Risk-Weight Assets 13.75 13 70 15.79 13 84
Tier One Leverage Capital 10.52 9 83 12.03 9 91
Other Capital Ratio:
Def Tax Asset to T1 Cap 0 2 27 0 2 33

Off-Balance Sheet
Category Two - 20% 0 0
Category Three - 50% 355 192
Category Four - 100% 23,017 29,558
Total Off-Balance Sheet 23,372 29,750
Memo: Category One - 0% 0 0

Adjustments to Risk-Wgt Assets

 Risk-Weighted Asset Before Ded 738,681 686,860
- Excess Allowable LN&LS Loss Al 0 0
- Allocated Transfer Risk Reserve 0 0
+ Mkt Risk Asset & Fin Sub Adj 0 0
Total Risk-Weighted Assets 738,681 686,861

Non Curr LNS+OREO to LNS+OREO 0.83 0.71 64 2.22 1.28 78

SALIN BANK AND TRUST COMPANINDIANAPOLIS, IN Summary Ratios
Summary Ratios--Page 1 10/8/2010 10:16

12/31/2008 12/31/2009 6/30/2010

BANK PG 3 PCT BANK PG 3 PCT BANK PG 3

5.89 5.9 48 4.93 5.13 35 4.9 4.83

1.78 2.36 16 1.13 1.68 16 0.84 1.29
4.11 3.55 80 3.8 3.45 69 4.06 3.55
1.26 0.77 83 1.44 0.74 88 1.25 0.69
4.08 2.91 89 4.12 2.97 89 3.75 2.88
1.4 0.62 85 0.7 1.12 45 0.76 0.69
-0.11 0.87 17 0.43 0.16 45 0.8 0.72
-2.9 -0.04 1 -0.08 0.04 8 -0.12 0.05
-3.01 0.74 6 0.35 0.18 41 0.67 0.78
-3.01 0.53 5 0.23 0.11 40 0.52 0.56
-2.81 0.78 4 0.22 0.42 31 1.1 0.67
N/A 0 N/A 0 0 98 0 0
-3.01 0.47 5 0.23 0.06 41 0.45 0.5
-3.01 0.53 5 0.23 0.11 40 0.52 0.56

96 93.86 78 95.01 93.59 67 94.95 93.12

83.79 80.74 66 89.2 81.67 93 88.36 81.76
6.13 6.3 37 5.19 5.5 28 5.16 5.21
1.86 2.52 14 1.19 1.8 15 0.88 1.39
4.28 3.79 76 4 3.7 65 4.28 3.82

1.57 0.53 89 0.91 1.12 56 0.24 0.84

1.08 9.99 16 1.42 4.74 36 7.89 7.94
1.62 1.43 72 1.6 1.87 47 2.02 1.9
1.01 5.96 8 1.74 3.28 41 8.49 5.35
1.62 1.42 72 1.6 1.85 48 2.02 1.88
0.01 0.15 35 0 0.15 33 0 0.14
3.98 1.84 83 3.06 2.96 61 4.43 3.01
3.99 2.07 81 3.06 3.18 59 4.43 3.23

29.45 30.37 47 23.82 25.39 45 21.25 23.13

75.7 71.43 58 74.54 68.14 69 72.66 66.69

8.78 8.75 58 8.95 8.67 59 9.25 8.98

-41.48 45.37 4 0 30.69 45 0 21.28
-37.65 0.24 4 2.56 -3 56 5.54 2.38
34.9 18.71 80 32.62 34.07 62 45.29 34.26

-6.97 8.75 5 1.82 4.63 38 4.39 3.28

-33.07 5.18 3 3.88 4.61 42 5.21 3.9
-3.27 9.14 11 0.25 -0.1 52 -2.38 -1.39
-87.45 35.08 6 156.75 232.34 65 2120.09 121.96
 -1.14 21.85 30 -11.86 -2.99 40 -1.06 -9

800,129 772,717 784,639

69,732 71,230 75,587
-24,109 1,781 2,029

1,191 1,198 1,204

SALIN BANK AND TRUST COMPANINDIANAPOLIS, IN Non Int Inc, Exp, Yields
Noninterest Income, Expenses and Yields--Page 3 10/8/2010 10:16

12/31/2008 12/31/2009 6/30/2010

BANK PG 3 PCT BANK PG 3 PCT BANK PG 3
1.9 1.53 80 1.99 1.45 87 1.76 1.45
0.66 0.4 91 0.69 0.39 95 0.63 0.38
1.52 0.93 90 1.44 1.09 82 1.36 1.03
4.08 2.91 89 4.12 2.97 89 3.75 2.88
2.82 2.06 87 2.68 2.18 78 2.5 2.14

76.07 66.05 78 78.53 71.43 72 70.63 67.78

61.51 60.94 57 71.75 62.11 78 66.88 62.7
3.14 4.39 21 3.69 4.6 34 3.82 4.59

6.33 6.77 20 5.13 6.06 5 5.21 5.93

6.33 6.75 21 5.09 6.04 4 5.19 5.91
6.27 6.69 20 4.84 5.99 3 4.86 5.85
7.36 6.72 75 5.21 6.09 17 5.18 5.88
6.01 6.72 13 4.65 5.94 3 4.69 5.84
6.43 6.84 35 5.51 6.03 31 5.45 6.02
6.33 8.16 13 5.42 7.76 8 8.29 7.68
N/A 9.51 N/A N/A 9.18 N/A N/A 9.71
6.16 7.01 20 5.61 6.27 29 6.22 6.21
N/A 6.44 N/A N/A 6.56 N/A N/A 6.28
5.41 5.02 77 5.58 4.44 90 6.07 3.92
5.41 4.67 91 5.06 4.13 90 5.2 3.57
7.43 4.57 98 N/A 3.57 N/A 1.05 2.83
5.14 4.99 62 5.46 4.58 88 5.84 4.04
5.55 4.27 90 4.22 4.1 60 4.33 3.97
4.57 2.22 91 3.03 0.63 92 0.22 0.41
3.77 2.1 96 0.09 0.24 12 133.33 0.2
2.17 2.87 17 1.33 1.98 15 0.93 1.48
0.6 1.09 27 0.16 0.66 10 0.11 0.56
0.89 1.56 13 0.5 0.92 18 0.42 0.74
3.56 3.95 19 2.65 2.79 39 1.38 2.1
4.07 3.97 59 2.83 2.89 45 2.3 2.2
N/A 2.1 N/A N/A 0.81 N/A N/A 0.58

1.77 2.32 25 0.39 0.91 26 0.37 0.81

 2.21 3.67 8 2.52 3.13 27 3.17 2.99
N/A 5.33 N/A N/A 4.68 N/A N/A 4.79
2.13 2.94 12 1.27 2.07 11 0.95 1.59

1,481 1,336 520

6,123 6,455 2,485
0 0 0
250 0 41
13 10 3
495 470 231
422 1,282 442
24 111 101
1,280 1,468 1,086
10,088 11,132 4,909
15,192 15,355 6,922
5,277 5,341 2,471
0 0 0
874 864 428
11,323 10,247 4,906
32,666 31,807 14,727
26 25 25
0 0 0
29,850 31,609 31,595

SALIN BANK AND TRUST COMPANINDIANAPOLIS, IN Balance Sheet $

Balance Sheet $--Page 4 10/8/2010 10:16

12/31/2008 12/31/2009 6/30/2010

366,336 368,760 376,194

169,785 169,592 150,009
14,381 16,274 15,690
43,226 41,806 43,910
3,493 2,138 0
N/A N/A N/A
316 341 221
596,905 598,229 585,582
9,658 9,552 11,854
587,563 589,018 573,949
79,804 65,556 68,781
38,891 49,549 49,298
0 0 0
13,509 11,249 11,919
88 821 27,174
0 0 0
0 0 0
132,292 127,175 157,172
719,855 716,193 731,121
 20,977 27,620 14,914
17,609 20,499 19,995
3,635 8,027 7,692
0 0 0
0 0 0
14,048 17,909 16,166
776,124 790,248 789,888
769,754 783,715 784,087

35,357 49,651 31,241

18,640 9,904 16,126
71,567 117,153 121,961
224,086 242,431 232,701
137,822 124,064 129,493
487,472 543,203 531,522
71,170 88,220 90,559
0 0 0
558,642 631,422 622,081
97,879 64,359 68,608
0 0 0
44,121 19,901 19,898
0 0 0
0 0 0
5,750 3,336 3,714
706,392 719,018 714,301
0 0 0
69,732 71,230 75,587
776,124 790,248 789,888

2 1 1
2,934 936 916
4,853 3,966 3,395
127,351 122,388 126,603
348 20,610 18,748

SALIN BANK AND TRUST COMPANINDIANAPOLIS, IN Balance Sheet %

Balance Sheet Percentage Composition--Page 6 10/8/2010 10:16

12/31/2008 12/31/2009 6/30/2010

BANK PG 3 PCT BANK PG 3 PCT BANK PG 3
0.03 0.12 56 0.04 0.18 53 0.05 0.15
75.15 72.22 55 77.37 70.54 70 75 67.99
0.98 0.92 63 1.24 1.13 66 1.37 1.25
74.2 71.59 54 76.17 69.85 69 73.68 67.18

0.03 0.59 25 0.06 2.35 15 2.31 3.93

0 1.46 12 0.26 1.19 33 0 0.93
0 0.09 95 0 0.04 97 0 0.02
 0.65 1.16 70 0.57 1.09 69 0.46 0.97
18.05 14.83 66 15.62 15.23 57 15.59 16.16

92.94 91.87 64 92.68 91.87 60 92.04 91.59

2.71 2.37 68 2.24 2.03 64 2.22 1.82

2.15 1.92 61 2.49 1.88 71 2.58 1.85
0.3 0.24 68 0.73 0.52 69 1 0.73
0 0 91 0 0 91 0 0
0 0 88 0 0 86 0 0
1.9 3.25 21 1.86 3.26 19 2.16 3.48
7.06 8.13 35 7.32 8.13 39 7.96 8.41
100 100 99 100 100 99 100 100

2.23 0.59 94 2.46 0.47 97 2.98 0.41

4.79 6.46 39 4.67 6.33 39 4.74 6.62

2.31 3.97 35 1.97 4.48 26 1.81 4.88
8.17 15.59 29 12.68 15.58 46 15.37 16.51
28.21 11.53 90 29.93 11.92 91 29.94 12.78
19.43 22.56 36 18.17 22.28 34 15.93 20.61
62.9 63.75 43 67.42 64.22 63 67.79 65.29

10.48 15.79 23 9.95 16.98 14 11.74 17.17

0 0.21 98 0 0.11 98 0 0.08
73.38 80.38 15 77.37 81.88 23 79.53 83.18

10.36 1.95 96 10.07 1.53 96 8.19 1.33

4.36 5.71 43 2.9 4.93 37 2.53 4.02
0 0.11 59 0 0.14 59 0 0.06
19.37 20.36 49 18.11 20.53 44 17.69 18.21

0.66 0.74 46 0.66 0.69 52 0.44 0.62

88.76 90.45 18 91 90.62 52 90.69 90.43

0 0 93 0 0 94 0 0
11.24 9.49 82 9 9.32 49 9.31 9.51
100 100 97 100 100 96 100 100

1.6 4.2 49 0.96 4.97 39 2.9 3.94

1.6 3.84 52 0.09 3.98 32 3.03 3.59

0.05 0.17 56 0.05 0.26 53 0.07 0.23

SALIN BANK AND TRUST COMPANINDIANAPOLIS, IN Allowance & Loan Mix-a

Analysis of Credit Allowance and Loan Mix--Page 7 10/8/2010 10:16

12/31/2008 12/31/2009 6/30/2010

BANK PG 3 PCT BANK PG 3 PCT BANK PG 3
1.4 0.62 85 0.7 1.12 45 0.76 0.69
 21.94 30.09 49 4.59 17.37 23 23.19 9.5

1.57 0.53 89 0.91 1.12 56 0.24 0.84

1.7 0.58 89 0.99 1.19 56 0.47 0.94
0.13 0.05 88 0.08 0.06 70 0.24 0.07

1.62 1.43 72 1.6 1.87 47 2.02 1.9

1.62 1.42 72 1.6 1.85 48 2.02 1.88
1.01 5.96 8 1.74 3.28 41 8.49 5.35
0.41 1.69 15 0.52 1.14 31 0.46 1.17

1.08 9.99 16 1.42 4.74 36 7.89 7.94

0.11 0.39 38 1.28 0.96 71 0.07 0.76

N/A 0 N/A N/A 0.27 N/A N/A 0.16
0 0.86 40 2.96 2.44 66 1.57 1.93
0 0.81 58 6.34 2.33 82 3.29 1.37
0 0.71 54 2.38 2.11 67 0.21 1.76
0 0 92 0 0.02 86 0 0.02
0.38 0.26 73 0.46 0.65 58 -0.46 0.58
0.28 0.15 78 0.48 0.43 68 0.55 0.35
0.57 0.25 81 0.64 0.69 65 -2.97 0.57
0 0.05 88 0 0.27 78 0 0.21
0 0.12 51 1.02 0.35 85 -0.03 0.35
0 0.08 66 0.38 0.27 74 0 0.24
0 0.1 69 1.4 0.34 87 -0.07 0.33
N/A 0 N/A N/A 41.84 N/A N/A -1.69

0 0.01 85 0 0.05 78 0 0.03

5.66 0.7 97 0.34 1.44 30 0.78 0.98
N/A 0.14 N/A N/A 0.41 N/A N/A 0.07
1.46 0.86 79 1.23 1.23 60 0.33 0.86
N/A 2.42 N/A N/A 3.12 N/A N/A 2.73

0 0.27 66 -0.05 0.44 5 0 0.2

N/A 0 N/A N/A 0 N/A N/A 0

8,016 9,658 9,552

10,294 5,960 1,389
0 0 0
764 473 691
9,530 5,487 698

11,172 5,381 3,000

0 0 0
9,658 9,552 11,854

605,486 600,336 585,474

SALIN BANK AND TRUST COMPANINDIANAPOLIS, IN Concentrations of Credit
Analysis of Concentrations of Credit--Page 7B 10/8/2010 10:16

12/31/2008 12/31/2009 6/30/2010

BANK PG 3 PCT BANK PG 3 PCT BANK PG 3
154.4 111.46 71 85.53 84.9 58 84.82 70.1
0.79 29.45 6 39.06 17.88 83 34.41 13.46
153.61 78.36 82 46.48 63.5 45 50.41 53.39
138.58 174.56 39 168.83 180.48 47 164.26 173.06
87.22 26.28 94 113.93 27.47 96 112.71 26.15
191.42 279.53 22 215.95 291.17 27 217.88 286.37
6.56 17.8 49 6.92 19.7 48 7.99 19.89
15.28 17.73 52 34.79 20.53 79 43.39 20.38
169.59 230.39 29 174.24 237.86 31 166.51 233.1
38.37 112.74 11 100.2 118.68 41 106.92 115.79
131.22 112.49 63 74.04 115.67 31 59.59 114.5
484.4 591.04 28 470.32 569.34 30 466.96 541.4

0 0.77 95 0 0.68 95 0 0
57.16 9.98 90 53.32 11.06 88 54.5 10.96
204.64 104.14 90 210.31 97.31 91 180.51 91.36
19.02 27.2 46 20.76 26.03 51 19.48 23.99
0 0.48 67 0 0.5 69 0 0.45
19.87 3.25 93 5.99 3.65 73 5.69 3.45
0 0.42 99 0 0.24 99 0 0.25
4.62 2.3 79 2.73 2.05 75 0 2.05
0 0.44 79 0 0.34 80 0 0.31

0 0.04 99 0 0 99 0 0.01
0 1.05 71 0 0.99 70 0 0.94

300.9 260.06 62 194.37 233.5 43 187.8 217.05

339.27 380.09 43 294.56 356 38 294.72 335.84

19.55 14.47 70 11.2 11.33 54 11.66 9.82

38.1 33.71 61 25.46 31.41 37 25.83 30.58
42.96 49.54 36 38.59 48.38 28 40.53 47.99

0 0.91 33 0 0.62 41 N/A 0

0 0.05 84 0 0.02 85 N/A 0

3 0.91 83 2.16 0.36 90 N/A 0
3 1.08 81 2.16 0.46 88 N/A 0
0 0.69 45 0 0.46 50 N/A 0

60 13 19
 23,797 12,463 5,027
23,857 12,476 5,046
5,857 378 566

0 0 0
0 0 0
0 0 0

0 N/A N/A
275 280 250
2,389 N/A N/A
3,635 1,225 909

12/31/2008 12/31/2009 6/30/2010

BANK PG 3 PCT BANK PG 3 PCT BANK PG 3

8.43 8 55 8.27 8 61 7.59 7

0 0.02 94 0 0.01 94 0 0
0 0 94 0 0 94 0 0
356.59 380.73 47 297.21 360.01 41 278.05 333.7

-26.61 5.52 6 2.56 0.43 41 5.54 5.33

11.04 4.46 86 0 2.8 32 0 2.11
-37.65 0.24 4 2.56 -3.01 57 5.54 2.36

N/A 58 N/A 0 49 17 0 27
8.98 9.25 52 9.01 9.23 49 9.57 9.66

-33.92 5 4 2.15 5 34 14.13 6

-26.95 -4.33 7 0.33 -0.64 50 9.75 2

0.71 0 89 1.13 0 90 1.12 0

0 3.38 58 0 2.31 63 0 2.21
0 0.02 97 0 0.02 97 0 0.03
6 1 95 4.67 0 94 3.83 0
6.7 4.58 72 5.8 3.5 73 4.96 3.34

9.96 11 35 10.23 12 27 11.02 13

11.2 13 35 11.48 13 26 12.28 14
8.78 9 58 8.95 9 59 9.25 9

0 3 36 0 2 40 0 2

0 0 0
0 3,837 3,904
30,992 57,580 49,887
30,992 61,417 53,791
0 0 0
 676,158 683,540 659,346
1,289 1,009 3,609
0 0 0
0 0 0
674,870 682,532 655,738

4.58 2.63 79 4.35 4.27 60 5.67 4.5

PCT

53
17
81
86
87
67
46
4
38
41
67
98
38
41

70
86
45
16
75

28
69
64
80
65
30
74
72

45
68

60
50
63
71

56
52
44
96
 61

PCT
78
91
83
87
74

60
67
38

9
9
4
20
5
29
68
N/A
54
N/A
97
96
7
95
71
40
99
14
7
21
8
60
N/A

30
 41
N/A
12

Percent Change
1 Quarter 1 Year

-3.72 -8.42
1.01 -3.53
-10.91 -34.74
0.24 18.06
-6.16 -59.1
N/A N/A
N/A -6.81
-2.72 -8.29
-24.76 -31.04
-2.35 -7.95
-0.85 55.57
0.82614.25
N/A N/A
0.07 341.94
1.26 74.64

N/A N/A
 79.42 -0.66
-0.12 -9.63
52.62 64.58

-8.28 -1.23
-0.72 2.65
2.19 2.9

5.33 6.45
-1.6 -6.97
46.89 N/A
2.84 -8.06
-0.57 -4.74
3.94 1.29
-10.3 18.14
N/A N/A
0.51 4.5

-3.23 -44.53
-0.48 -78.32
N/A N/A
N/A N/A
17.66 8.44
-0.86 2.78
N/A N/A
0.42 1.61
-0.72 2.65

-6.76 731.7
-4.68 -28.42
-0.2 116.46
22.09 -1.97

PCT
57
70
65
69

44
35
97
 70
53

54

72
74
69
94
87
22
45
99

98

39
22
53
88
32
58

25
99
25

95
41
66
51

35
50

94
50
96

57
60

55

PCT
67
 85

28
42
89

64
65
80
25

69

22
N/A
64
80
55
88
0
77
0
83
3
56
2
N/A

84
60
N/A
41
N/A

70
N/A
PCT
65
87
56
49
97
28
50
85
30
46
24
35

94
89
89
51
69
73
99
16
80

99
70

45
43

64
40
33

N/A

N/A
N/A
N/A
N/A
PCT

59
94
94
41

43
48
63

38
52

79
77

90
63
97
94
71

31
29
60

44
69