Text Box: Dear Northwest Commercial Bank Shareholders, The third quarter produced positive results in some areas and negative ones in others. On the positive side, your bank continues to grow in most areas as we continue to pursue our strategic objectives. Both loans and deposits have grown significantly as we increase our market share. On the negative side, continuing deterioration in real estate values and economic pressures on some of our customers required us to increase our reserves for potential loan losses. This resulted in a loss of $585,000 year to date. Our total risk based capital continues to be a very strong at 14.04%. Our liquidity is also exceptionally strong. Net interest margins continue to increase to levels that we haven’t seen for some time. This should produce results to our bottom line as the economy improves. Deposits as of September 30, 2009 were $71,456,000 compared to $65,664,000, a 9% increase over September 30, 2008. Loans, net of reserves, were $66,982,000, compared to 60,588,000, an 11% increase over September 30, 2008. Assets totaled $83,047,000, compared to $ 73,946,000, a 12% increase over September 30, 2008. Core deposit growth continues to be impressive. We have been able to replace higher priced CD’s with lower cost demand and money market deposits. Our Auburn branch continues to grow at well over our original projections and is approaching $20,000,000 in deposits. Our new mortgage department under the DBA, Northwest Mortgage Capital Group, is now fully operational and should begin contributing to our bottom line as we move forward. Our Private Banking Department is gaining traction and will yield results in the fourth quarter. As always, we thank you for your support. Please continue to refer your friends and neighbors to your bank. Sincerely, Kurt Graff CEO/President