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#1 Bank in State of California #1 in Non-Performing Assets Santa Cruz County Bank is pleased to announce its rank as the top bank in California for the second quarter in 2016. The Bank also ranks #1 for lowest non-performing assets. FMC - Financial Management Consulting Group ranks all 185 California banks on a quarterly and annual basis based on a variety of factors including: net interest margin, efficiency, asset quality and earnings. Santa Cruz County Bank has ranked in FMC’s Top Ten in the state of California for annual performance for the past two consecutive years. For 2015, Santa Cruz County Bank was ranked 1st for lowest non-performing assets and 1st in asset quality compared to all other California banks. Santa Cruz County Bank President and CEO David Heald stated, “We are very pleased to be in the company of the top ten performing banks in the state of California. To rank in first position (lowest) non-performing assets is the result of consistent monitoring of asset quality and prudent lending standards. Our overall number one ranking in the state for the second quarter fulfills our commitment to deliver top tier performance with a focus on building value for our shareholders.” Timothy Finn, President of FMC stated, “We measure eight (8) different metrics to determine overall performance rankings. For a Bank to be ranked in the top ten in the State means they do everything well, not just one or two things.” FMC -Financial Management Consulting Group, based in Kentucky is a 28 year old firm that provides consulting and reporting for financial institutions throughout the United States. For the complete list of Top Ten FMC rankings, visit http://www.fmcgrp.com/performance-reports.htmland click on the State of California.