Peoples Bancorp Inc.

Peoples Bancorp Inc. is listed on NASDAQ (PEBO). Peoples Bancorp Inc. (Peoples) is a financial holding company organized in 1980, with origins in the Mid-Ohio Valley dating back to 1902. At December 31, 2004, Peoples wholly-owned subsidiaries included Peoples Bank, National Association (Peoples Bank), Peoples Investment Company, PEBO Capital Trust I and PEBO Capital Trust II. Peoples Bank also owns an insurance agency subsidiary and an asset management subsidiary. Peoples Investment Company also owns a capital management subsidiary. Peoples principal executive office is located at 138 Putnam Street, Marietta, Ohio 45750, and its telephone number is (740) 373-3155. Peoples common shares are traded on The NASDAQ National Market under the symbol PEBO and its web site is www.peoplesbancorp.com (this uniform resource located, or URL, is an inactive textual reference only and is not intended to incorporate Peoples website into this Form 10-K).

Peoples Bancorp of North Carolina Inc.

Peoples Bancorp of North Carolina Inc. is listed on NASDAQ (PEBK). Peoples Bancorp of North Carolina, Inc. , was formed in 1999 to serve as the holding company for Peoples Bank. The Company is a bank holding company registered with the Board of Governors of the Federal Reserve System (the Federal Reserve) under the Bank Holding Company Act of 1956, as amended (the BHCA). The Companys sole activity consists of owning the Bank. The Companys principal source of income is any dividends which are declared and paid by the Bank on its capital stock. The Company has no operations and conducts no business of its own other than owning the Bank. Accordingly, the discussion of the business which follows concerns the business conducted by the Bank, unless otherwise indicated.

Pharmion Corporation ..cused on acquiring, developing and commercializing innovative products for the treatment of hematology and oncology patients. We have established our ..

QuadraMed Corporation .., is dedicated to improving healthcare delivery by providing innovative healthcare information technology and services. We provide healthcare informat..

Rand Capital Corporation .. incorporated under the law of New York on February 24, 1969. Commencing in 1971, Rand operated as a publicly traded, closed-end, diversified manageme..

Richmont Mines Inc. ..ny is Richmont Mines Inc. The Company is a corporation domiciled in Quebec, Canada. The Company was incorporated pursuant to Part 1A of the Companies ..

Rinker Group Limited ..ith respect to market size information represent the judgment of the management of Rinker, based on records and experience of Rinker and its subsidiar..

Rockwood Holdings Inc. ..ise requires, any references to we, our, us, the Company or Rockwood refer to Rockwood Holdings, Inc. and its consolidated subsidiaries. General Rockw..

Reliv International Inc. ..and markets a proprietary nutritional product line and offers an entrepreneurial opportunity for distributors who sell the Company's products and deve..

Raytheon Company ..ales of $20.2 billion, is an industry leader in defense and government electronics, space, technical services, and business and special mission aircra..

SeaBright Insurance Holdings Inc. ..l workers' compensation insurance. We are domiciled in Illinois, commercially domiciled in California and headquartered in Seattle, Washington. We are..

ServiceMaster Company (The) ..g both residential and commercial customers. ServiceMasters services include lawn care and landscape maintenance; termite and pest control; home warra..

Serologicals Corporation ..products, enabling technologies and services to a diverse customer base that includes major life science companies and leading research institutions. ..

Shoe Carnival Inc. ..ents that involve a number of risks and uncertainties. A number of factors could cause our actual results, performance, achievements or industry resul..

Smith Micro Software Inc. ..per and marketer of wireless communication software products and services. Our primary focus and strategy for our products and services is directed to..

Skechers U.S.A. Inc. ..ncorporated in Delaware in 1999. Throughout this report, we refer to Skechers U.S.A., Inc., a Delaware corporation, and its consolidated subsidiaries ..

Sands Regent (The) .. and our) operate casinos and tourist-based facilities through our wholly-owned subsidiaries: Zante, Inc., which owns and operates the Sands Regency C..

Speedway Motorsports Inc. ..us, and our) is a leading promoter, marketer and sponsor of motorsports activities in the United States. We own and operate Atlanta Motor Speedway (AM..

St Joseph Capital Corp ..company that owns St. Joseph Capital Bank, a full-service commercial banking institution headquartered in Mishawaka, Indiana. The Bank provides a broa..

State Auto Financial Corporation ..ny formed in 1990 and headquartered in Columbus, Ohio. STFC engages primarily in the property and casualty insurance business through its 100% owned s..

Steven Madden Ltd. ..s) designs, sources, markets and sells fashion-forward footwear brands for women, men and children. The Company distributes products through its retai..

Superior Energy Services Inc. ..services and equipment focused on serving the production-related needs of oil and gas companies primarily in the Gulf of Mexico and the drilling-relat..

Sunoco Logistics Partners LP ..formed by Sunoco, Inc. on October 15, 2001 to own, operate and acquire a geographically diversified portfolio of complementary pipeline, terminalling,..

TBS International Limited ..at offers worldwide shipping solutions through liner, parcel, bulk and vessel chartering services. Over the past 13 years, we have developed our franc..

TEL Offshore Trust ..laws of the State of Texas, maintains its offices at the office of the Corporate Trustee, JPMorgan Chase Bank (formerly known as The Chase Manhattan B..

TJX Companies Inc. (The) ..nd home fashions in the United States and worldwide. Our seven off-price chains are synergistic in their philosophies and operating platforms. We sell..

PACCAR Inc. ..re in 1971, is the successor to Pacific Car and Foundry Company which was incorporated in Washington in 1924. The Company traces its predecessors to S..

Thor Industries Inc. ..ells a wide range of recreation vehicles and small and mid-size buses in the United States and Canada. We are incorporated in Delaware and are the suc..

Tripos Inc. ..roducts and services enable life science companies to enhance their drug discovery capabilities. We combine our resources in computer-aided molecular ..

TRW Automotive Holdings Corporation ..s largest and most diversified suppliers of automotive systems, modules and components to global automotive original equipment manufacturers, or OEMs,..

TurboChef Technologies Inc. ..f 5,000,000 shares of our common stock at $20.50 before discounts and commissions to underwriters and other offering expenses. Of the shares sold, 2,9..

United Bancshares Inc. ..a bank holding company registered under the Bank Holding Company Act of 1956, as amended, and is subject to regulation by the Board of Governors of th..

Universal Electronics Inc. ..the laws of Delaware in 1986 and began operations in 1987. The principal executive offices are located at 6101 Gateway Drive, Cypress, California 9063..

United Mobile Homes Inc. ..y-seven manufactured home communities containing approximately 6,200 sites. These communities are located in New Jersey, New York, Ohio, Pennsylvania ..

USANA Health Sciences Inc. ..corporation, founded in 1992 by Myron W. Wentz, Ph.D., that develops and manufactures high-quality, science-based nutritional and personal care produc..

Valassis Communications Inc. ..ts and services to a variety of premier manufacturers, direct marketers, retailers, franchisees and other advertisers. We can provide these products a..

Valero Energy Corporation ..00 company based in San Antonio, Texas, with 2004 total revenues of $54.6 billion. On January 31, 2005, Valero had 19,797 employees. Its principal exe..

inVentiv Health Inc. ..ed pharmaceutical services company spanning late-stage clinical through commercialization services, with leading market positions in outsourced sales ..

Wal-Mart Stores Inc. ..tores in various formats around the world. Wal-Mart is committed to growing by improving the standard of living for our customers throughout the world..

Websense Inc. ..ware products that enable organizations to analyze, report and manage how their employees use computing resources, including internet access, instant ..

Wilshire Enterprises Inc ..thin the meaning of the federal securities laws. These statements relate to future economic performance, plans and objectives of management for future..

WestBank Corporation ..ed to as the Corporation) is a Massachusetts corporation incorporated on November 15, 1983. The Corporation is registered with the Federal Reserve Boa..

WGNB Corp. ..mpany headquartered in Carrollton, Georgia. The Company was organized as a business corporation under the laws of the State of Georgia in 1984 and is ..

Young Innovations Inc. ..lop, manufacture, and market supplies and equipment used to facilitate the practice of dentistry and to promote oral health. The Companys product offe..

ZiLOG Inc. ..onductor devices, which are also referred to as embedded control devices. We design, develop, manufacture and market a broad portfolio of these device..

Asset Acceptance Capital Corp. ..r charged-off accounts receivable portfolios from consumer credit originators since the formation of our predecessor company in 1962. Charged-off rece..

Arctic Cat Inc. ..d in Thief River Falls, Minnesota. The Company operates in a single industry segment and designs, engineers, manufactures and markets snowmobiles and ..

Allied Defense Group (The) ..anages a strategic portfolio of defense and security businesses, with presence in worldwide markets. Allied was incorporated as a Delaware corporation..

ADDvantage Technologies Group Inc. ..e forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995, including statements which relate to, among ..

Anthracite Capital Inc. ..in thousands, except share or per share amounts. General The Company, a Maryland corporation, is a real estate finance company that generates income b..

AK Steel Holding Corporation .. its wholly-owned subsidiary, AK Steel Corporation (AK Steel and, together with AK Holding), is a fully-integrated producer of flat-rolled carbon, sta..

Aladdin Knowledge Systems Limited .. Systems Ltd. We were incorporated in Israel in 1985. Our principal executive offices are located at 15 Beit Oved Street, P.O. Box 11141, Tel Aviv, Is..

Advanced Photonix Inc. ..r the laws of the State of Delaware in June 1988. The Company is engaged in the development and manufacture of custom optoelectronic solutions, servin..

AutoNation Inc. .. largest automotive retailer in the United States. As of December 31, 2004, we owned and operated 358 new vehicle franchises from 281 stores located i..

ANADIGICS Inc. ..in 1984. Our corporate headquarters are located at 141 Mt. Bethel Road, Warren, New Jersey 07059, and our telephone number at that address is 908-668-..

@ Road Inc. ..ement solutions, a rapidly growing category of business productivity solutions that enable the effective management of mobile resources. We market and..

Arrow Electronics Inc. ..ew York in 1946, is a major global provider of products, services, and solutions to industrial and commercial users of electronic components and compu..

American Science and Engineering Inc. ..setts corporation formed in 1958 (together with its subsidiary, the Company or AS&E), develops, manufactures, markets, and sells X-ray inspection and ..

Altiris Inc. .. services that enable organizations to manage information technology, or IT, IT assets throughout their lifecycles. Our comprehensive client managemen..

Avon Products Inc. ..ated in the State of New York on January 27, 1916. Avon is a global manufacturer and marketer of beauty and related products. Avon's products fall int..

Aspreva Pharmaceuticals Corporation ..ocused on identifying, developing, and upon approval, commercializing existing approved drugs and drug candidates for new indications. Our focus is on..

C.R. Bard Inc. ..manufacture, packaging, distribution and sale of medical, surgical, diagnostic and patient care devices. Charles Russell Bard started the company in 1..

bebe stores inc. ..of contemporary women's apparel and accessories. While we attract a broad audience, our target customer is a 21 to 35-year-old woman who seeks current..

Bnccorp Inc. .. the Bank Holding Company Act of 1956 (the BHCA) headquartered in Bismarck, North Dakota. We are dedicated to providing a broad range of financial pro..

Brown-Forman Corporation ..k corporation under the laws of the Federal Republic of Germany on January 30, 1952 under the name Badische Anilin- und Soda-Fabrik AG. In 1973, the c..

Concur Technologies Inc. .. business services and software solutions that automate processes involved in the management of corporate expenses. Our core purpose is to use innovat..

Cherokee International Corporation ..es for original equipment manufacturers (OEMs). Our advanced power supply products are typically custom designed into mid- to high-end commercial appl..

Cleco Power LLC ..1998, under the laws of the State of Louisiana. Cleco Corporation holds investments in several subsidiaries, including Cleco Power and Midstream, whic..

Cosi Inc. .. October 1999, engages in the business of operating premium convenience restaurants which sell high-quality sandwiches, freshly tossed salads, Cosi ba..