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 (YTD, annualized)

-9.42%-980 bps YoY

Net Interest Margin (YTD, annualized)

1.64%+71 bps YoY

Efficiency Ratio (YTD, annualized)

759%+69,661 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2003	Q1 2004	Q2 2004	Q3 2004	Q4 2004	Q1 2005	Q2 2005	Q3 2005	YoY Δ	Trend
Earnings
Return on Assets	-76.85%	0.70%	0.55%	0.38%	4.75%	0.06%	0.17%	-9.42%	-980 bps
Return on Equity	-178.62%	2.74%	2.12%	1.47%	16.91%	0.16%	0.35%	-19.84%	-2,131 bps
Net Interest Margin	-9.40%	0.87%	1.06%	0.93%	1.02%	1.20%	1.35%	1.64%	+71 bps
Efficiency Ratio	307%	27.88%	53.54%	62.86%	-337%	95.18%	88.33%	759%	+69,661 bps
Non-Interest Burden	108.31%	0.17%	0.51%	0.54%	-3.86%	1.14%	1.17%	13.71%	+1,317 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