American River Holdings is the bank holding company for American River Bank, North Coast Bank, National Association and First Source Capital. The principal communities served by the Company are located in the California counties of Sacramento, Placer, Yolo, El Dorado, Sonoma, Napa, Marin and Mendocino. The Company generates most of its revenue by providing a range of products and services to small and middle-market businesses and individuals. The Companys principal sources of revenues are interest and fees on loans, interest on investments (principally government securities) and interest on Federal funds sold (funds loaned on a short-term basis to other banks). For the year ended December 31, 2002, these sources comprised 82.9%, 16.7% and 0.4%, respectively, of the Companys interest income.