First Republic Bank - It's a privilege to serve you

	Page 4 of 39 Record Deposit Growth—up 25% to $7 billion Record Loan Volume—$4.8 billion Capital growth of 19%, representing 12.8% of risk-based assets at year end Year end delinquencies of only .08% of total assets Record earnings of $54 million—up 27% over 2004 Growth of total Bank assets, wealth management assets and loans serviced to $27.6 billion Upgrade from Fitch Rating Service to A - for the Bank's long-term deposits
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