1. Banking Market Improving Wednesday, February 20, 2013 J. French Hill Chairman & Chief Executive Officer Delta Trust & Banking Corp.

2. Commercial and Industrial Loans at All Banks Percent Change From A Year Ago 2

3. 3 Real Estate Loans at All Commercial Banks Percent Change From A Year Ago

4. Federal Funds Futures

5. 2009201020112012 ¹ Net Loan Growth Delta Trust & Bank12.50%19.47%16.04%4.19% Peer1.46%(1.99%)(0.55%)3.18% Capital Growth Delta Trust & Bank37.05%9.82%9.60%9.96% Peer5.08%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 Performance Counter to the National Trend