First Consumers National Bank

Beaverton, OR · Cert 27410

FDIC

Q3 2005

$17.4MAssets

n/aLoans

$1.2MDeposits

$4.7MEquity

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

-36.41%-3,646 bps YoY

Net Interest Margin (quarter, annualized)

0.90%+26 bps YoY

Efficiency Ratio (quarter, annualized)

4045%+395,207 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	0.10%	0.70%	0.39%	0.05%	19.21%	0.06%	0.29%	-36.41%	-3,646 bps
Return on Equity	0.39%	2.74%	1.49%	0.18%	60.31%	0.16%	0.52%	-61.15%	-6,134 bps
Net Interest Margin	0.88%	0.87%	1.24%	0.64%	1.13%	1.20%	1.45%	0.90%	+26 bps
Efficiency Ratio	88.74%	27.88%	71.86%	93.39%	-1493%	95.18%	82.94%	4045%	+395,207 bps
Non-Interest Burden	0.78%	0.17%	0.85%	0.59%	-17.14%	1.14%	1.16%	37.64%	+3,705 bps
Growth
Asset Growth (YoY)	-66.22%	-66.00%	1.64%	-5.34%	-22.23%	-25.80%	-25.42%	-73.43%	-6,809 bps
Loan Growth (YoY)	-100.00%	-100.00%	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	-95.61%	-97.34%	-11.51%	37.24%	54.75%	54.62%	53.06%	-1.42%	-3,867 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	117.60%	121.68%	124.58%	125.72%	180.05%	191.50%	336%	108.67%	-1,705 bps
Equity / Assets	25.33%	25.98%	26.35%	26.62%	38.34%	41.01%	71.06%	26.97%	+35 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	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a