Banking Market Improving

Wednesday, February 20, 2013

J. French HillChairman & Chief Executive Officer

Delta Trust & Banking Corp.

2

Commercial and Industrial Loans at All BanksPercent Change From A Year Ago

3

Real Estate Loans at All Commercial BanksPercent Change From A Year Ago

Federal Funds Futures

2009 2010 2011 2012 ¹Net Loan GrowthDelta Trust & Bank 12.50% 19.47% 16.04% 4.19%Peer 1.46% (1.99%) (0.55%) 3.18%Capital Growth Delta Trust & Bank 37.05% 9.82% 9.60% 9.96%Peer 5.08% 3.69% 6.08% 5.19%

¹ All data from FDIC UPBR except for peer ratios for 2012 which are composed of all Arkansas banks.

Delta Trust PerformanceCounter to the National Trend