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Santa Cruz County Bank Named "Super Premier" Performing Bank by The Findley Reports, Inc. for a Fourth Consecutive Year

SANTA CRUZ, Calif., April 9, 2014 /PRNewswire/ -- Santa Cruz County Bank, a locally owned and operated full-service community bank headquartered in Santa Cruz County, today announced receipt of its fourth consecutive designation of Super Premier performing bank by The Findley Reports, Inc. based upon 2013 financial performance.

Santa Cruz County Bank logo.

For a bank to achieve the Super Premier performance rating it must meet four key performance ratios established by Findley Reports, Inc. Super Premier is the highest rating level established by Findley Reports, Inc. Santa Cruz County Bank met the four criteria at a high level of performance: growth, return on beginning equity, net operating income as a percentage of average assets and loan losses as a percentage of gross loans.

Gary Steven Findley, Editor of The Findley Reports remarked, "Recognizing Santa Cruz County Bank as a 'Super Premier' performing bank is becoming an annual event. This recognition only validates what we already know - Santa Cruz County Bank is an 'Exceptional' Bank and a top performer amongst all California banks."

David Heald, President and CEO of Santa Cruz County Bank commented, "This designation is the result of the hard work and dedication of our Board of Directors, our Management team, and our employees to meet high service standards and deliver exceptional value for our shareholders."

ABOUT THE FINDLEY REPORTS
For nearly fifty years The Findley Reports has been recognizing the financial performance of banking institutions in California and the Western United States. The Findley Reports is the reporting service of The Findley Companies. Since 1965, The Findley Companies have earned recognition as being knowledgeable, innovative and effective in implementing solutions to complex situations.

ABOUT SANTA CRUZ COUNTY BANK
Santa Cruz County Bank, founded in 2004, is a locally owned and operated community bank with offices located in Aptos, Capitola, Santa Cruz, Scotts Valley and Watsonville. The Bank offers a variety of competitive deposit and lending solutions for businesses and individuals; including business loans, lines of credit, commercial real estate financing, agricultural loans, SBA and USDA government guaranteed loans, credit cards, merchant services, remote deposit capture, and online banking bill payment and cash management. For the past seven years, the Bank's SBA Department has been recognized as a top SBA lender in Santa Cruz County for 7a and 504 loans.

RATINGS & AWARDS
The Findley Reports, Inc.
2012: One of eleven "Exceptional Banks" in California
2013, 2012, 2011, 2010: "Super Premier Performing Bank"

Bauer Financial Reports, Inc.
Santa Cruz County Bank has received the distinction of 4-Star "Excellent" and 5-Star "Superior" by Bauer Financial Reports, Inc., for its financial performance every quarter since 2007.

American Banker Magazine
2013: Santa Cruz County Bank ranked 103rd out of 851 institutions in American Banker Magazine's "Top Performing 200 Community Banks and Thrifts in the United States" based upon 3-year average return on equity.

Community Awards
Santa Cruz County Bank received the 2013 Volunteer Center of Santa Cruz County "Be the Difference" Business Award for its leadership and volunteer efforts.

2013, 2014: Santa Cruz County Bank was voted "Best Bank" in Santa Cruz County in the Good Times Readers poll. 

This release may contain forward-looking statements that are subject to risks and uncertainties. Such risks and uncertainties may include but are not necessarily limited to fluctuations in interest rates, inflation, government regulations and general economic conditions, and competition within the business areas in which the Bank is conducting its operations, including the real estate market in California and other factors beyond the Bank's control. Such risks and uncertainties could cause results for subsequent interim periods or for the entire year to differ materially from those indicated. Readers should not place undue reliance on the forward-looking statements, which reflect management's view only as of the date hereof. The Bank undertakes no obligation to publicly revise these forward-looking statements to reflect subsequent events or circumstances. 

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SOURCE Santa Cruz County Bank

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