Spirit of America National Bank

Milford, OH · Cert 33487

FDIC

Q3 2009

$35.8MAssets

n/aLoans

$8.1MDeposits

$23.8MEquity

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

33.94%-317 bps YoY

Net Interest Margin (quarter, annualized)

0.02%-62 bps YoY

Efficiency Ratio (quarter, annualized)

17.18%+211 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2007	Q1 2008	Q2 2008	Q3 2008	Q4 2008	Q1 2009	Q2 2009	Q3 2009	YoY Δ	Trend
Earnings
Return on Assets	80.35%	32.71%	40.16%	37.11%	44.53%	28.41%	32.33%	33.94%	-317 bps
Return on Equity	127.18%	58.18%	70.37%	62.50%	72.96%	48.40%	53.72%	51.01%	-1,149 bps
Net Interest Margin	1.97%	1.72%	0.96%	0.64%	0.21%	0.25%	0.23%	0.02%	-62 bps
Efficiency Ratio	7.67%	20.07%	13.47%	15.06%	13.42%	24.13%	15.70%	17.18%	+211 bps
Non-Interest Burden	-98.06%	-50.11%	-61.31%	-57.85%	-58.45%	-45.79%	-55.71%	-51.09%	+676 bps
Growth
Asset Growth (YoY)	14.98%	5.53%	3.04%	3.42%	-10.03%	-4.66%	-8.33%	-9.25%	-1,267 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)	146.54%	35.67%	24.27%	26.78%	-20.14%	-9.32%	-33.08%	-36.60%	-6,339 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	625%	292%	345%	332%	367%	306%	316%	314%	-1,788 bps
Equity / Assets	58.96%	54.06%	60.34%	58.40%	64.44%	54.42%	66.71%	66.35%	+795 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	1.04%	0.94%	1.03%	1.01%	1.32%	1.23%	1.12%	1.12%	+10 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a