Sky Trust, National Association

Pepper Pike, OH · Cert 35403

FDIC

Q2 2007

$14.4MAssets

n/aLoans

$500KDeposits

$12.3MEquity

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

34.42%+884 bps YoY

Net Interest Margin (quarter, annualized)

1.72%+16 bps YoY

Efficiency Ratio (quarter, annualized)

74.22%-441 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2005	Q4 2005	Q1 2006	Q2 2006	Q3 2006	Q4 2006	Q1 2007	Q2 2007	YoY Δ	Trend
Earnings
Return on Assets	24.37%	18.98%	25.20%	25.59%	28.55%	34.29%	36.15%	34.42%	+884 bps
Return on Equity	30.54%	24.55%	32.25%	31.09%	33.53%	41.39%	44.14%	40.20%	+911 bps
Net Interest Margin	1.21%	1.39%	1.32%	1.56%	1.86%	1.93%	1.63%	1.72%	+16 bps
Efficiency Ratio	74.16%	81.03%	79.43%	78.63%	74.78%	73.39%	73.76%	74.22%	-441 bps
Non-Interest Burden	-39.68%	-32.24%	-41.12%	-41.10%	-45.40%	-52.39%	-59.66%	-57.50%	-1,641 bps
Growth
Asset Growth (YoY)	-26.18%	3.21%	2.56%	-2.49%	-7.48%	2.61%	5.35%	9.56%	+1,205 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	185.38%	116.95%	149.55%	170.78%	186.58%	149.23%	156.57%	173.56%	+278 bps
Equity / Assets	79.79%	74.37%	81.97%	82.60%	87.66%	77.76%	86.01%	85.27%	+267 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	47.56%	54.22%	50.91%	58.64%	60.32%	55.43%	35.64%	42.69%	-1,595 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a