May National Bank of Ohio

Lorain, OH · Cert 33400

FDIC

Q3 2005

$31.0MAssets

n/aLoans

$500KDeposits

$30.4MEquity

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

110.44%+471 bps YoY

Net Interest Margin (quarter, annualized)

2.55%+159 bps YoY

Efficiency Ratio (quarter, annualized)

49.38%-955 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2003	Q1 2004	Q2 2004	Q3 2004	Q4 2004	Q1 2005	Q2 2005	Q3 2005	YoY Δ	Trend
Earnings
Return on Assets	168.07%	86.02%	109.69%	105.73%	197.79%	84.57%	137.15%	110.44%	+471 bps
Return on Equity	170.83%	87.48%	111.74%	107.84%	201%	85.94%	139.59%	112.54%	+470 bps
Net Interest Margin	0.60%	0.65%	0.65%	0.96%	1.24%	1.41%	2.24%	2.55%	+159 bps
Efficiency Ratio	35.71%	48.94%	47.03%	58.92%	40.24%	53.57%	41.48%	49.38%	-955 bps
Non-Interest Burden	-288%	-144.35%	-180.75%	-173.27%	-341%	-141.68%	-224%	-169.63%	+364 bps
Growth
Asset Growth (YoY)	146.42%	48.25%	6.82%	-3.18%	8.28%	0.76%	8.27%	2.70%	+588 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)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
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	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	273%	369%	368%	372%	208%	354%	345%	359%	-1,323 bps
Equity / Assets	98.44%	98.21%	98.13%	97.96%	98.55%	98.23%	98.27%	98.01%	+4 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.27%	0.34%	0.33%	0.33%	0.25%	0.34%	0.30%	0.32%	-1 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a