24 Flossmoor Dove Canyon, CA 92679 Home Phone 949-713-0286 Cell Phone 949-422-0371 koch92679@cox.net Dynamic CFO with 20 years experience in banking and finance is ready to make a s ignificant contribution to the safety, growth, and profitability of your financi al institution across all areas of operation. Financial Institution Experience 6 years - CFO - Pan American Bank/United PanAm Financial Corp Key executive on management team strategizing restructure of banking operations that grew to 130 loan production offices in 32 states. Profitability increased 5 00% from $0.28 per share to $1.45 per share while significant investor reporting and relations resulted in a 3,800% growth in share price from $0.80 to $30.44 p er share. Position required intensive activity with banking regulators and the S EC to implement business plan. Newport Beach, CA * 2000 to 2006 13 years - CFO - First Citizens National Bank/First Citizens Financial Corporati on Planned and executed the merger of four subsidiary banks and relocation of main office including consolidation of four separate accounting systems. Increased as sets over 80% in six years through organic growth. Grew ROE from 9.59% to 15.09% . Mason City, IA * 1987 to 2000 Summary of Qualifications SEC Reporting - 10K, 10Q, 8K. SOX - Created and implemented inaugural SOX program and ongoing review. Public Stock Offering - S-3 Secondary Public Stock Offering. Finance Operations - investigate potential finance sources. Asset-Backed Securitizations - as large as $465 million. Warehouse Borrowings - as large as $250 million. FDIC Failed Bank Acquisitions - bidding and implementation. Regulatory Relations - FDIC, OCC, OTS, States - all regulatory examinations and filings for all transactions. Mergers, Acquisitions, and Sales - Completed six mergers, two acquisitions and s ix sales of banks, branches and deposits and numerous sales of loans. Due Diligence - Analysis in relation to all transactions above plus two companie s that were not ultimately purchased. Regulatory Compliance - Oversaw bank compliance operations and taught regulatory compliance for Iowa Bankers Association. Interest Rate Simulation Analysis - Implemented new systems in two banks and co mpleted ongoing analysis for regulatory reporting and management. Asset/Liability Management - Chairman of Asset/Liability Committees and presente d ongoing analysis to regulators. Annual Budget and Profit Plan - Annual and long-term planning including related variance analysis. Accounting and Reporting - Management, board of directors, regulators and invest ors. Implemented and supervised internal controls. Audit Function - Relations with external auditors for annual audit, quarterly re view and comfort letters. Investor Relations - Public and private companies. Investment Portfolios - Significant experience with portfolios as large as $1.4 billion including government, agency, asset-backed securities, CMOs, derivatives , options and municipals. Repurchase Agreement Borrowings - With major investment banks of $1.7 billion. Bank Deposit and Loan Rates - Analyzed current interest rate environment to dete rmine appropriate deposit and loan rates to coordinate with budget and asset/lia bility forecast. Cash Management - Minimize non-earning assets and maximize interest income while maintaining proper liquidity and limiting risk. Discontinued Operations -Liquidation management, accounting and reporting. Purchasing and Accounts Payable -Operational controls and cost management. Fixed Assets - Acquisition and depreciation. Institutional Insurance Requirements - Property, liability, and bonding. Certifications Certified Public Accountant Chartered Property and Casualty Underwriter Education Master of Business Administration - Drake University, Des Moines, Iowa * 1992 Bachelor of Science - Accounting and Management - Buena Vista University, Storm Lake, Iowa * 1987 Summary of Positions Consultant to the FDIC - Mir Mitchell & Company - 2008 to Present CFO at Start-up Auto Finance Company - Gateway One - 2006 to 2008 CFO at Bank/Holding Company - Pan American Bank/UPFC - 2000 to 2006 CFO at Bank/Holding Company - First Citizens National Bank/FCFC - 1987 to 2000