First Citizens Bank, National Association

Columbia Falls, MT · Cert 26682

FDIC

Q4 2006

$45.3MAssets

$30.6MLoans

$33.5MDeposits

$10.9MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 0.29%, down 85 bps year over year; NIM at 1.41%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 91.18% of deposits as of Q4 2006.

Return on Assets (YTD, annualized)

0.29%-85 bps YoY

Net Interest Margin (YTD, annualized)

1.41%-296 bps YoY

Efficiency Ratio (YTD, annualized)

67.13%+120 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2005	Q1 2006	Q2 2006	Q3 2006	Q4 2006	YoY Δ	Trend
Earnings
Return on Assets	1.13%	1.47%	1.51%	1.52%	0.29%	-85 bps
Return on Equity	14.38%	18.00%	16.63%	15.56%	2.30%	-1,208 bps
Net Interest Margin	4.38%	4.79%	5.97%	6.20%	1.41%	-296 bps
Efficiency Ratio	65.93%	53.68%	57.04%	58.96%	67.13%	+120 bps
Non-Interest Burden	2.54%	2.09%	2.85%	3.09%	0.83%	-171 bps
Growth
Asset Growth (YoY)	22.60%	-5.68%	-11.09%	-16.79%	-28.27%	-5,086 bps
Loan Growth (YoY)	-22.81%	-18.53%	-2.16%	5.99%	-2.18%	+2,063 bps
Deposit Growth (YoY)	23.52%	-6.85%	-13.32%	-18.96%	-42.28%	-6,579 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.01%	0.01%	0.01%	0.00%	0.00%	-1 bps
Allowance / Loans	1.58%	1.69%	1.67%	1.62%	1.81%	+23 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	12.74%	14.75%	15.57%	15.79%	17.30%	+456 bps
Equity / Assets	7.05%	9.63%	11.57%	12.38%	23.98%	+1,693 bps
Liquidity & Funding
Loans / Deposits	53.81%	75.24%	92.35%	95.96%	91.18%	+3,738 bps
Liquid Assets / Assets	0.35%	0.44%	3.61%	0.00%	0.00%	-35 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a