FirstBank NW Corp.

FirstBank NW Corp. is listed on NASDAQ (FBNW). FirstBank NW Corp., a Washington corporation, was organized in Delaware in March 1997 to become the holding company for FirstBank Northwest (formerly known as First Federal Bank of Idaho, a Federal Savings Bank) (Bank) upon the Banks conversion from mutual to stock form (Conversion). The Company completed the Conversion and initial public offering on July 1, 1997 through the sale of 1,983,750 shares of common stock at $10.00 per share. The Bank is a Washington-chartered state savings bank located in Clarkston, Washington. The Bank was formed as an Idaho mutual savings and loan association in 1920, converted to a federal mutual savings and loan association in 1935 and adopted the federal mutual savings bank charter in 1990. In July 1997, the Bank relocated its main office to Clarkston, Washington and on January 30, 1998, converted to a Washington-chartered savings bank.

FirstCity Financial Corporation

FirstCity Financial Corporation is listed on NASDAQ (FCFC). FirstCity, a Delaware corporation, is a financial services company headquartered in Waco, Texas with offices throughout the United States and Mexico and a presence in France and South America. The Company began operating in 1986 as a specialty financial services company focused on acquiring and resolving distressed loans and other assets purchased at a discount relative to the aggregate unpaid principal balance of the loans or the appraised value of the other assets (Face Value). To date the Company has acquired, for its own account and through various affiliated partnerships, pools of assets or single assets (collectively referred to as Portfolio Assets or Portfolios) with a Face Value of approximately $8.3 billion. The Company's servicing expertise, which it has developed largely through the resolution of distressed assets, is a cornerstone of its growth strategy.

Gottschalks Inc. ..cialty store chain based in Fresno, California. As of January 29, 2005, the Company operated 63 full-line Gottschalks department stores located in 6 W..

Granite City Food & Brewery Ltd. .. on-premises breweries under the name Granite City Food & Brewery®. Our activities through June 1999 were related to the development of our restaurant..

Wellsford Real Properties Inc. .. collectively) was formed as a Maryland corporation on January 8, 1997, as a corporate subsidiary of Wellsford Residential Property Trust (the Trust)...

Hudson Highland Group Inc. ..largest specialized professional staffing, retained executive search and human capital solutions providers. The Company provides professional staffing..

Harte-Hanks Inc. ..tive marketing services company that provides end-to-end customer relationship management (CRM), related marketing services solutions and shopper publ..

Holly Corporation ..ly Corporation and its consolidated subsidiaries. In accordance with the Securities and Exchange Commission's (SEC) Plain English guidelines, this Ann..

Healthcare Services Group Inc. ..ing, laundry, linen, facility maintenance and food services to the health care industry, including nursing homes, retirement complexes, rehabilitation..

Hershey Foods Corporation ..iaries and entities in which it has a controlling financial interest are engaged in the manufacture, distribution and sale of confectionery, snack, r..

Integral Systems Inc. ..stems and equipment for command and control, integration and test, data processing, and simulation. Since its inception in 1982, the Company has provi..

i2 Technologies Inc. ..fied by the sections captioned Forward-Looking Statements and Factors That May Affect Future Results in Item 7. Managements Discussion and Analysis of..

Investment Technology Group Inc. .. as a Delaware corporation on July 22, 1983. Its principal subsidiaries include: (1) ITG Inc. and AlterNet Securities, Inc. (AlterNet), United States ..

Innodata Isogen Inc ..services that help organizations create, manage, use and distribute information more effectively and economically. We provide outsourced content servi..

Intrusion Inc. ..d herein, the discussion in this Form 10-KSB contains certain forward-looking statements, within the meaning of Section 27A of the Securities Act of 1..

Interpool Inc. ..et, utilization of the leasing equipment or the rental rates per day that are set forth in this Annual Report on Form 10-K include our equipment, incl..

Intertape Polymer Group Inc. ..General Intertape Polymer Group is a leader in the specialty packaging industry in North America. It develops, manufactures and sells a variety of spe..

Jennifer Convertibles Inc. .. term we or any derivation thereof, we mean Jennifer Convertibles Inc., a Delaware corporation, and its direct or indirect subsidiaries. Business Over..

Callon Petroleum Company ..xploration, development, acquisition and production of oil and gas properties since 1950. Our properties are geographically concentrated primarily off..

Kroger Company (The) ..d in 1902. As of January 29, 2005, the Company was one of the largest retailers in the United States based on annual sales. The Company also manufactu..

Kendle International Inc. ..ablished in 1989, is a contract research organization (CRO) that provides a broad range of Phase I through IV clinical research and drug development s..

Kilroy Realty Corporation ..ment trust, or REIT, which owns, operates, develops, and acquires Class A suburban office and industrial real estate in key suburban submarkets, prima..

Labor Ready Inc. .. State of Washington and began operations in 1989. We are an international provider of temporary employees for manual labor jobs. During 2004, we serv..

Libbey Inc. ..eware products in the U.S. and Canada, in addition to supplying to other key export markets. We were established in 1818 and are the largest manufactu..

Lithia Motors Inc. .. Risk Factors, Management's Discussion and Analysis of Financial Condition and Results of Operations and Business and elsewhere in this Form 10-K cons..

Lightbridge Inc. ..and supports products and services primarily for businesses that sell products or services online and for communications providers. Lightbridge's four..

MAF Bancorp Inc. ..of the state of Delaware in 1989, as the holding company for Mid America Bank, fsb (Bank), our banking subsidiary. The Bank, which was organized as a ..

National Mercantile Bancorp ..e principal assets are the capital stock of two bank subsidiaries: Mercantile National Bank (Mercantile) and South Bay Bank, N.A. (South Bay). Nationa..

Madeco SA ..lic of Chile in 1944 as a sociedad annima abierta, or open stock corporation, and operates under the laws of Chile. The Company also has operations in..

Midwest Air Group Inc. ..he State of Wisconsin in 1996. It is a holding company and its principal subsidiary is Midwest Airlines, Inc., (Midwest Airlines). Midwest Airlines cu..

Middlesex Water Company ..r utility company in 1897 and owns and operates regulated water utility systems in central and southern New Jersey and in Delaware as well as a regula..

MIND C.T.I. Ltd. ..l as well as commercial purposes. We were incorporated under the laws of the State of Israel on April 6, 1995 as a company with limited liability, and..

Monster Worldwide Inc. ..rent company of Monster, the leading global online careers property. We also own TMP Worldwide, one of the worlds largest recruitment advertising agen..

MetaSolv Inc ..e design, develop, market and support a comprehensive portfolio of software solutions that automate and streamline service fulfillment processes for c..

M&T Bank Corporation ..York business corporation which is registered as a bank holding company under the Bank Holding Company Act of 1956, as amended (BHCA) and under Articl..

Macronix International Co. Ltd ..ucer and supplier. Our product portfolio includes Mask ROM, Flash, EPROM, strategic manufacturing services, or SMS, and system logic center, or SLC, p..

NBTY Inc. ..mpany, NBTY, we or us) is a leading vertically integrated manufacturer, marketer and retailer of a broad line of high quality, value-priced nutritiona..

Northgate Minerals Corporation .. summarizes the approximate impact on the Corporations 2005 earnings and cash flow of the variations in the commodity prices and foreign exchange rate..

NitroMed Inc. ..h substantial expertise and intellectual property in nitric oxide-based drug development which was incorporated in Delaware in 1992. Our goal is to be..

Nelnet Inc. ..e companies in the United States and is focused on providing quality student loan products and services to students and schools nationwide. The Compan..

National Research Corporation .. a leading provider of ongoing survey-based performance measurement, analysis, tracking and improvement services to the healthcare industry in the Uni..

Northern Technologies International Corporation ..ern Technologies International Corporation, was incorporated in the State of Minnesota on August 4, 1970. In 1976, Northern Instruments, Inc. changed ..

NB Capital Corporation ..corporated under the laws of the State of Maryland for the purposes of providing U.S. investors with the opportunity to invest in Canadian residential..

OceanFirst Financial Corp. ..oard of Directors of OceanFirst Bank for the purpose of acquiring all of the capital stock of the Bank issued in connection with the Bank's conversion..

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On Assignment Inc. ..staffing firm providing flexible and permanent staffing solutions in specialty skills including Laboratory-Scientific, Healthcare, and Medical Financi..

Oceaneering International Inc. ..lied technology company that provides a comprehensive range of integrated technical services and hardware to customers who operate in harsh environmen..

Palomar Medical Technologies Inc. ..leading researcher and developer of light based systems for hair removal and other cosmetic procedures. Throughout its history, Palomar has remained o..

Precision Drilling Corporation ..recisions continuing operations are carried out in two segments consisting of Contract Drilling Services and Completion and Production Services. The C..

Perry Ellis International Inc. .. United States. We control a portfolio of major men's and women's brands, some of which were established over 100 years ago. We design, source, market..

Printronix Inc. ..y-Chain Printing Solutions, which provide remotely managed printers that produce labels, transaction documents and information reports in the supply-c..

Kookmin Bank ..story of the Former Kookmin Bank The former Kookmin Bank was established by the Korean government in 1963 under its original name of Citizens National..

PLX Technology Inc. .. established in May 1986, develops and supplies semiconductor devices that accelerate and manage the transfer of data in microprocessor-based systems ..

Pinnacle Financial Partners Inc. .. was incorporated on February 28, 2000 to organize and serve as the holding company for Pinnacle National, a national bank chartered under the laws of..

Portugal Telecom SGPS S.A . ..l Telecom's legal and commercial name is Portugal Telecom, SGPS, S.A. Portugal Telecom is a limited liability holding company, organized as a Sociedad..

PSi Technologies Holdings Inc. ..evelopment of our Company Our legal name is PSi Technologies Holdings, Inc. We are incorporated under the Corporation Code of the Philippines, Batas P..

Petrohawk Energy Corporation ..re corporation, is an independent oil and gas company engaged in the acquisition, development, production and exploration of natural gas and oil prope..

Prudential Public Limited Company ..ading international financial services group, providing retail financial services and fund management in the markets in which it operates: the United ..

QAD Inc. ..nd is a provider of enterprise resource planning (ERP) software applications for global manufacturing companies. QAD enterprise applications provide r..

Ralcorp Holdings Inc. ..ncorporated on October 23, 1996. Our principal executive offices are located at 800 Market Street, Suite 2900, St. Louis, Missouri 63101. The terms we..

Resources Connection Inc. ..nal services firm that provides experienced accounting and finance, risk management and internal audit, information technology, human resources, suppl..

Transocean Inc. ..d predecessors, unless the context requires otherwise, Transocean, the Company) is a leading international provider of offshore contract drilling serv..

Polo Ralph Lauren Corporation ..we, our, us and the Company refer to Polo Ralph Lauren Corporation and its subsidiaries, unless the context requires otherwise. Due to the collaborati..

Banco Santiago S.A. ..merger of Santiago and Old Santander-Chile, both of which were subsidiaries of our controlling shareholder, Banco Santander Central Hispano. We are th..

Stillwater Mining Company ..ration, development, mining and production of platinum, palladium and associated metals from the Stillwater Complex in southern Montana, which the Com..

Sun Communities Inc. ..state investment trust, or REIT. We own, operate, develop and finance manufactured housing communities concentrated in the midwestern and southeastern..

Silver Standard Resources Inc ..evelopment of the Company General Background We were incorporated in British Columbia, Canada, on December 11, 1946 under the name Silver Standard Min..