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President’s Corner

A Positive Outlook for Growth

I’m very pleased with our results in the first quarter. We once again generated solid balance sheet expansion, growing both deposits and loans. While competition for high quality borrowers is strong, our lending activity continues to grow across our commercial banking markets. Our teams in Marin, Sonoma, Napa, San Francisco and the East Bay are creating solid opportunities for loan growth. In addition, our branches are great deposit gatherers and provide an exceptional deposit franchise that sets us apart from our competitors. Looking forward, we see healthy loan and deposit growth and strong underlying fundamentals.

Our first quarter performance reflected the successful execution on our long-term strategic plan for organic growth. One of the biggest challenges that all companies face is access to talent, but we have been successful attracting and retaining great people. With the opening of a loan production office in Walnut Creek, key strategic hires in Napa and Santa Rosa, and the addition of a new Commercial Banking Regional Manager for the San Francisco market, we are building our presence in key markets. Our investment in people is helping to build on our already strong foundation for future growth.

We are off to a solid start for 2019 and are exceptionally well-positioned for the year. For the second quarter and beyond, our primary focus is to leverage the talent and expertise of ALL of our local teams to drive organic growth.

Together, I am confident we will deliver great results.