BOARD OF DIRECTORS

John M. Cullison
  Chairman of the Board

John B. De Nault
  Vice Chairman of the Board

Philip D. LaChapelle
  President & Chief Executive Officer

John B. De Nault, III
  Director

Dr. Kenneth J. De Nault
  Director

Joel P. Michel
  Director

Stephanie Uccelli - Menner
  Director

Robert E. Locatelli
  Director

Michael Scarborough
  Director

John Raymond Stowe
  Director

ADMINISTRATIVE OFFICERS

Philip D. LaChapelle
  President & Chief Executive Officer

Thomas M. Amendola
  Executive Vice President & Chief Financial Officer, Corporate Secretary

Richard E. Hagarty
  Executive Vice President & Chief Credit Officer

Michael G Sinclair
  Senior Vice President & Banking Division Manager

Lowell G. Hallock, Jr.
  Senior Vice President & Regional Manager

Karen P. Dhillon
  Senior Vice President & Information Technology & Operations

Vanessa Slagboom-Nieve
  1st Vice President & Administrative Officer

JoAnn Killian
  Vice President & Human Resources Manager

Ariella Fioranelli
  Vice President, Controller & Corporate Secretary

Maureen Byrne
  Vice President & Commercial Loan Officer

 SOUTH SAN FRANCISCO OFFICERS

Debra R. Watkins
  Assistant Vice President & Business Development Officer

BOULDER CREEK OFFICERS

Judy Anderson
  Vice President & San Lorenzo Valley Manager

Karen Edwards
  Operations Officer

FELTON OFFICERS

Judy Anderson
  Vice President & San Lorenzo Valley Manager

Bodhi Woodsorrel
  Operations Officer

PALO ALTO OFFICERS

Carolyn T. Sanborn
  Vice President & Operations Manager

Patricia Hoffman
  Assistant Vice President & Senior Credit Underwriter  

LIBERTY BANK

Service is our specialty, experience is our strength.

For more than 30 years, Liberty Bank has had a singular focus -- providing quality, personalized services to the residents of the San Francisco Peninsula and the San Lorenzo Valley. Whether you're an individual, or the owner of a small or medium-sized business, we're committed to earning your trust as your business and financial partner and improving your neighborhood by actively participating in community affairs.

How do we do it? We set the bar high for community banking. Longevity. Strength. Security. We like to call it "banking from your side of the desk." And as your banking partner, we deliver the financial products and services you need -- with a high regard for security and convenience. Add to that our local, progressive decision making and Liberty Bank is independent banking at its very best. Welcome to the community. Welcome to Liberty Bank.

AS OF DECEMBER 31, 2012

ASSETS

LIABILITIES & CAPITAL

Cash & Due From Banks

$15,942,964 

Deposits

$183,596,313 

Federal Funds Sold

$0

Other Liabilities

$3,498,541

Securities

$67,420,483

Capital Stock

$7,079,928

Loans, Net

$121,074,810

Additional Paid-In Capital

$17,500,000

Premises & Equipment, Net

$2,512,595

Retained Earnings

$886,740

Other Real Estate Owned

$673,142

Unrealized Gain on AFS Securities

$79,607

Other Assets

$5,017,130

Total Capital

$25,546,275

TOTAL ASSETS

$212,641,129

TOTAL LIABILITIES & CAPITAL

$212,641,129

2011 LIBERTY BANK FINANCIAL STATEMENT