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President’s Corner

Strong Results Reflect Consistent Performance

Bank of Marin’s strong results in the second quarter of 2019 once again demonstrate the power of combining consistent credit and expense management with a focus on relationship banking.

We are seeing steady loan demand throughout our markets. Our commitment to disciplined underwriting enables us to meet that demand while maintaining our pristine credit quality.

We also remain disciplined in our deposit strategy, serving our customers’ needs and providing them a fair return. With non-interest bearing deposits at or near 50 percent for the 6th straight quarter, the Bank is a leader among our peers.

To align with technology trends impacting the financial services industry, the Bank is also executing on two significant initiatives: the move to a new digital banking platform that offers enhanced features and functionality, and the closing of our Petaluma Downtown Branch, which was seeing reduced foot traffic.

Looking ahead, with our focus on investing in talent in key markets like San Francisco, Santa Rosa and Walnut Creek, and our ongoing work to develop future leaders through our Commercial Banker Academy, we are confident we have the right people in place to meet our customers’ needs, execute on strategic priorities and deliver solid results for shareholders.