North Pointe Holdings Corporation

North Pointe Holdings Corporation is listed on NASDAQ (NPTE). The following discussion of our business contains various forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements represent our expectations or beliefs concerning future events. We caution that although forward-looking statements reflect our good faith beliefs and best judgment based upon current information, these statements are qualified by important factors that could cause actual results to differ materially from those in the forward-looking statements, including those risks, uncertainties, and factors detailed from time to time in reports filed with the Securities and Exchange Commission, or SEC, and in particular those set forth under the heading Risk Factors in this Annual Report on Form 10-K.

North Valley Bancorp

North Valley Bancorp is listed on NASDAQ (NOVB). Certain statements in this Annual Report on Form 10-K (excluding statements of fact or historical financial information) involve forward-looking information within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are subject to the safe harbor created by those sections. These forward-looking statements involve certain risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements.

Perdigao S.A. ..934, under the name Ponzoni, Brandalise e Cia, in the southern Brazilian State of Santa Catarina by Saul Brandalise and remained under the Brandalise ..

Penn National Gaming Inc. ..l owner and operator of gaming properties, as well as horse racetracks and associated off-track wagering facilities, or OTWs, which we collectively re..

Progenics Pharmaceuticals Inc. ..ical company focusing on the development and commercialization of innovative therapeutic products to treat the unmet medical needs of patients with de..

Pohang Iron & Steel Co. Ltd. ..e were established by the Government on April 1, 1968, under the Commercial Code of the Republic of Korea, to manufacture and distribute steel rolled ..

Pacific Rim Mining Corp New ..gal and commercial name of the Company is Pacific Rim Mining Corp. The Company was formed by the amalgamation (the Amalgamation) of Dayton Mining Corp..

PPG Industries Inc. .. in 1883, is comprised of three basic business segments: coatings, glass and chemicals. Within these business segments, PPG has focused resources on i..

ParkerVision Inc. ..s of the state of Florida on August 22, 1989. Prior to the sale of the Companys video division assets in May 2004, the Company was organized in two di..

Pediatrix Medical Group Inc. ..ices company focused on physician services for newborn, maternal-fetal and other pediatric subspecialty care. Our national network is comprised of app..

P.A.M. Transportation Services Inc. ..ces in this Annual Report on Form 10-K to P.A.M., the Company, we, our, or us mean P.A.M. Transportation Services, Inc. and its subsidiaries. We are a..

PYR Energy Corporation ..mpany, we, us and our) is an independent oil and gas exploration and production company, engaged in the exploration, development and acquisition of cr..

Radio One Inc. ..nies in the United States and the leading radio broadcasting company primarily targeting African-Americans. Founded in 1980, we own and-or operate 69 ..

Ruddick Corporation ..hrough its wholly-owned subsidiaries, is engaged in two primary businesses: Harris Teeter, Inc. (Harris Teeter) operates a regional chain of supermark..

RF Monolithics Inc. ..d in 1979 as a Texas corporation and converted to a Delaware corporation in 1994. We design, develop, manufacture and market a broad range of Wireless..

R.R. Donnelley & Sons Company ..e world's premier full-service global print provider and the largest printing company in North America, serving customers in the publishing, healthcar..

Renasant Corporation ..tion, owns and operates Renasant Bank with operations in Mississippi and Alabama and Renasant Bank of Tennessee (formerly known as Renasant Bank) with..

Retail Ventures Inc. .. Columbus, Ohio in 1917. Until our initial public offering on June 18, 1991, Value City department stores operated as a division of Schottenstein Stor..

Sonic Automotive Inc. ..e in 1997. We are one of the largest automotive retailers in the United States. As of March 1, 2005, we operated 192 dealership franchises at 159 deal..

Southern California Edison Company .. State of California. SCE is a public utility primarily engaged in the business of supplying electric energy to a 50,000-square-mile area of central, ..

SCO Group Inc. (The) ..l Report on Form 10-K (Form 10-K) contain forward-looking statements relating to our business and strategy. These forward-looking statements involve r..

Sealed Air Corporation ..sidiaries, manufactures and sells a wide range of food and protective packaging products. The Company conducts substantially all of its business throu..

Shaw Group Inc. (The) ..he energy, chemical, environmental and infrastructure industries worldwide. We are a vertically integrated provider of comprehensive technology, engin..

Siebert Financial Corp. .. conducts its retail discount brokerage and investment banking business through its wholly-owned subsidiary, Muriel Siebert & Co., Inc., a Delaware co..

Semotus Solutions Inc. .. of software for wireless enterprise applications. Our software connects employees wirelessly to critical business systems, information and processes...

SonoSite Inc. .. (HCU). We specialize in the development of hand-carried ultrasound systems for use across medical specialties and in a range of settings. Our proprie..

Sportsmans Guide Inc. (The) ..iced outdoor gear, general merchandise and golf equipment- accessories. We market our high-quality products through catalogs and ecommerce websites. W..

SEMPRA ENERGY ..s is given in Managements Discussion and Analysis of Financial Condition and Results of Operations of the 2004 Annual Report to Shareholders, which i..

Standard Parking Corporation ..lity management services. We provide on-site management services at multi-level and surface parking facilities for all major markets of the parking in..

Constellation Brands Inc. ..mpany refers to Constellation Brands, Inc. and its subsidiaries, and all references to net sales refer to gross sales less promotions, returns and all..

Smith & Wollensky Restaurant Group Inc. (The) ..ncorporated in Delaware in October 1997. Prior to October 1997, our operations were conducted through The New York Restaurant Group, LLC (NYRG), our p..

TAT Technologies Ltd. ..f Israel in April 1985 under the name Galaxy Graphics Ltd., or Cresta Ltd. In August 1986 we changed our name to Galagraph Ltd. In May 1992 we changed..

21st Century Insurance Group ..bsidiaries, referred to hereinafter as the Company) is an insurance holding company registered on the New York Stock Exchange (NYSE: TW). We are a dir..

Tetra Tech Inc. ..ng and technical services in the areas of resource management and infrastructure. We also provide communications services. As a consultant, we assist ..

Timberland Bancorp Inc. ..n, was organized on September 8, 1997 for the purpose of becoming the holding company for Timberland Savings Bank, SSB (Bank) upon the Banks conversio..

Temecula Valley Bancorp Inc. (CA) ..ange Act, periodic and current reports must be filed with the Securities and Exchange Commission (SEC). We electronically files the following reports ..

Thomas Properties Group Inc. ..company as used herein refer to Thomas Properties Group, Inc. We are a full-service real estate operating company that owns, acquires, develops and ma..

Trimble Navigation Limited ..on (Trimble or the Company or we or our or us), provides advanced positioning product solutions, most typically to commercial and government users. Th..

Sadia S.A. ..dustrial and food processing segments. The Company's central administrative headquarters is located at Rua Fortunato Ferraz, 659, Vila Anastácio, São ..

Trintech Group PLC ..y under the laws of the Republic of Ireland in 1987. On August 23, 1999, the Company's shareholders resolved by special resolution to re-register us a..

Tyson Foods Inc. ..ly, the Company or Tyson), with world headquarters in Springdale, Arkansas, produce, distribute and market chicken, beef, pork, prepared foods and rel..

United Heritage Corporation ..that was formed in 1981. We are an independent producer of natural gas and crude oil based in Cleburne, Texas. We operate our business through our who..

U.S. Bancorp ..g company headquartered in Minneapolis, Minnesota. The Company was incorporated in Delaware in 1929. In February 2001, the Company completed a merger ..

ValueClick Inc. ..ble marketers to advertise and sell their products through all major online marketing channels-display-Web advertising, search marketing, email market..

ViroPharma Incorporated ..y dedicated to the development and commercialization of products that address serious diseases treated by physician specialists and in hospital settin..

Open Joint Stock Company Vimpel-Communications ..ecommunications services in Russia and Kazakhstan, with newly acquired operations in Ukraine, Tajikistan and Uzbekistan. We operate our telecommunicat..

Videsh Sanchar Nigam Limited ..arch 19, 1986 as a limited liability company under the Indian Companies Act, 1956. On April 1, 1986, the Company assumed control and management of all..

Washington Banking Company ..bank holding company with two wholly-owned subsidiaries: Whidbey Island Bank (WIB or the Bank), the Company's principal subsidiary and Washington Bank..

Western Gas Resources Inc. ..Form 10-K-A refer to Western Gas Resources, Inc. and its subsidiaries as a consolidated entity, except where it is clear that these terms mean only We..

WPS Resources Corporation ..nless the context otherwise indicates, when we refer to us, we, our or ours, we are describing WPS Resources. WPS Resources Corporation WPS Resources ..

West Corporation ..cing services focused on helping our clients communicate more effectively with their customers. We help our clients maximize the value of their custom..

Waste Industries USA Inc. ..available free of charge through our website our annual report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and all amen..

XTO Energy Inc. ..in the acquisition, development, exploitation and exploration of producing oil and gas properties, and in the production, processing, marketing and tr..

Zomax Incorporated .. their products and content to market worldwide. We enhance the process of sourcing, production, and fulfillment through a modular suite of supply cha..

Abbott Laboratories ..corporated in 1900. Abbotts* principal business is the discovery, development, manufacture, and sale of a broad and diversified line of health care pr..

Ace Cash Express Inc. .. as a Texas corporation in March 1982. We are a leading retailer of financial services, including check cashing, short-term consumer loans and bill pa..

Adesa Inc ..ded provider of wholesale vehicle auction and related redistribution services and floorplan financing for used vehicle dealers. The Companys operation..

AEP Industries Inc. ..lastic packaging films. We manufacture and market an extensive and diverse line of polyethylene, polyvinyl chloride and polypropylene flexible packagi..

Agrium Inc. .. History 4 3.2 - Significant Acquisitions and Significant Divestitures in Past Three Years n-a 3.3 - Trends 16-17(1), 45-46(2) - Commitments 77(3) - C..

Aktieselskabet Dampskibsselskabet Torm ..TORM, a Danish shipping company founded in 1889 under the Danish Companies Act that is engaged primarily in the ownership and operation of product tan..

Alexanders Inc. .. (REIT), incorporated in Delaware, engaged in leasing, managing, developing and redeveloping properties. Alexanders activities are conducted through i..

American Shared Hospital Services ..her with its subsidiaries) provides Gamma Knife stereotactic radiosurgery services to nineteen (19) medical centers in seventeen (17) states. The Comp..

American Medical Alert Corp. .. incorporated under the laws of the State of New York in 1981, is a healthcare communications company. As used herein, the term AMAC or Company means,..

Art Technology Group Inc. ..s market to, sell to and service their customers and partners, via the Web, email, contact centers and mobile devices. Our solutions can enhance our c..