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Letter portraitLegal landscapeQuarterYTD

Sycamore National Bank, The

Cincinnati, OH · Cert 31032

FDIC

Q3 2007

$49.1MAssets
$44.6MLoans
$44.2MDeposits
$4.6MEquity
Deposit mix
92%Interest-bearing $40.5M8%Noninterest $3.8MQ4 2005Q3 2007

Executive Summary

  • Earnings: ROA of 0.39%, down 33 bps year over year; NIM at 4.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.40%.
  • Funding: loans stand at 100.76% of deposits as of Q3 2007.

Return on Assets (YTD, annualized)

0.39%-33 bps YoY

Net Interest Margin (YTD, annualized)

4.82%-44 bps YoY

Efficiency Ratio (YTD, annualized)

81.60%+800 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.90%Q3 ’057.76%Q3 ’067.79%Q3 ’07+4%-8%

Non-interest income vs. expense

3.96%Q3 ’054.15%Q3 ’064.24%Q3 ’07+7%+2%

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.75%0.69%0.72%0.73%0.69%0.45%0.42%0.39%-33 bps
Return on Equity9.00%8.12%8.28%8.27%7.82%4.90%4.60%4.23%-404 bps
Net Interest Margin5.09%5.16%5.16%5.26%5.13%4.78%4.81%4.82%-44 bps
Efficiency Ratio72.08%74.07%73.39%73.60%74.35%79.55%80.55%81.60%+800 bps
Non-Interest Burden3.55%3.74%3.70%3.77%3.72%3.73%3.80%3.86%+9 bps
Growth
Asset Growth (YoY)0.94%7.46%0.33%0.93%1.50%-0.42%1.14%0.83%-10 bps
Loan Growth (YoY)6.95%4.46%-3.18%0.27%-2.31%1.20%7.87%7.66%+739 bps
Deposit Growth (YoY)0.20%7.55%0.01%0.54%1.14%-1.07%0.71%0.47%-7 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.31%0.36%0.24%0.40%0.43%0.12%0.28%0.40%0 bps
Allowance / Loans1.45%1.46%1.59%1.48%1.49%1.51%1.45%1.36%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.97%11.05%11.53%11.55%11.79%11.68%11.57%11.47%-8 bps
Equity / Assets8.56%8.54%8.96%9.04%9.07%9.17%9.41%9.39%+35 bps
Liquidity & Funding
Loans / Deposits94.85%92.81%93.26%94.03%91.62%94.94%99.89%100.76%+673 bps
Liquid Assets / Assets0.66%0.05%0.06%0.03%0.05%0.04%0.02%0.02%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a