HispanicBusiness

Member FDIC / Equal Opportunity Lender / SBA Preferred Lender

Forward-Looking Statements:

Certain of the statements contained herein that are not historical facts are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and subject to the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements may contain words or phrases including, but not limited, to: "believe," "expect," "anticipate," "intend," "estimate," "target," "plans," "may increase," "may fluctuate," "may result in," "are projected," and variations of those words and similar expressions. All such forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected. Factors that might cause such a difference include, among other matters, changes in interest rates; economic conditions including inflation and real estate values in California and the Bank's market areas; governmental regulation and legislation; credit quality; competition affecting the Bank's businesses generally; the risk of natural disasters and future catastrophic events including terrorist related incidents and other factors beyond the Bank's control; and factors discussed in the Bank's periodic reports under the Securities Exchange Act of 1934, as amended, on Forms 10-K, 10-Q and 8-K filed with the FDIC. The Bank does not undertake, and specifically disclaims any obligation, to update or revise any forward-looking statements, whether to reflect new information, future events, or otherwise, except as required by law.

This news release is available at the www.1stcapitalbank.com Internet site for no charge.

                              1ST CAPITAL BANK                          CONDENSED FINANCIAL DATA                                (Unaudited)               (Dollars in thousands, except per share data)                                       March 31,  December 31,    March 31,Financial Condition Data                    2013          2012         2012                                     -----------  ------------  -----------Assets  Cash and due from banks            $     6,455  $      8,551  $     5,674  Funds held at the Federal Reserve   Bank                                   17,623        21,042       55,417  Time deposits at other financial   institutions                            9,321         9,321        8,068  Available-for-sale securities, at   fair value                             62,903        41,762       18,048  Loans:    Commercial                            86,122        89,834       78,484    Real estate-construction               5,014         4,834        3,845    Real estate-other                    151,629       147,320      118,027    Consumer                                 746           748        1,146    Deferred loan fees and costs,     net                                     520           517          478                                     -----------  ------------  -----------      Total loans                        244,031       243,253      201,980    Allowance for loan losses             (4,274)       (4,314)      (3,360)                                     -----------  ------------  -----------  Net loans                              239,757       238,939      198,620  Premises and equipment, net              1,402         1,282        1,355  Bank owned life insurance                3,579         3,555           --  Investment in Federal Home Loan   Bank stock, at cost                     1,026         1,026          918  Accrued interest receivable and   other assets                            3,238         3,871        3,063                                     -----------  ------------  -----------Total assets                         $   345,304  $    329,349  $   291,163                                     ===========  ============  ===========Liabilities and shareholders' equity  Deposits:    Noninterest bearing demand     deposits                        $   120,780  $    123,403  $    90,466    Interest bearing checking     accounts                             15,533        17,482       12,648    Money market                          73,671        60,091       67,548    Savings                               70,478        62,364       48,158    Time                                  29,391        31,314       39,677                                     -----------  ------------  -----------      Total deposits                     309,853       294,654      258,497  Accrued interest payable and other   liabilities                             1,147           694          468  Shareholders' equity                    34,304        34,001       32,198                                     -----------  ------------  -----------Total liabilities and shareholders' equity                              $   345,304  $    329,349  $   291,163                                     ===========  ============  ===========Shares outstanding at end of period    3,310,503     3,310,503    3,244,568Nominal and tangible book value per share                               $     10.36  $      10.27  $      9.92Ratio of net loans to total deposits       77.38%        81.09%       76.84%                              1ST CAPITAL BANK                          CONDENSED FINANCIAL DATA                                 (Unaudited)                (Dollars in thousands, except per share data)                                                  3 Months Ended                                     ---------------------------------------                                        March 31,  December 31,    March 31,Operating Results Data                       2013          2012         2012                                     ------------ ------------- ------------Interest and dividend income  Loans                              $      2,992 $       3,110 $      2,779  Investment securities                       132           101          103  Federal Home Loan Bank stock                  6             8            1  Other                                        36            46           42                                     ------------ ------------- ------------    Total interest income                   3,166         3,265        2,925                                     ------------ ------------- ------------Interest expense  Interest bearing checking accounts            7            20            7  Money market                                 64            54           85  Savings                                      60            74           65  Time                                         28            35           51                                     ------------ ------------- ------------    Total interest expense                    159           183          208                                     ------------ ------------- ------------Net interest income                         3,007         3,082        2,717Provision for loan losses                     460           432           40                                     ------------ ------------- ------------Net interest income after provision for loan losses                            2,547         2,650        2,677Noninterest income  Service charges on deposits                  22            22           22  BOLI benefits                                --           699           --  BOLI dividend income                         24            30           --  Other                                        18            27           15                                     ------------ ------------- ------------    Total noninterest income                   64           778           37Noninterest expenses  Salaries and benefits                     1,317         1,324        1,302  Occupancy                                   193           195          177  Furniture and equipment                      72            86           95  Other                                       577           678          603                                     ------------ ------------- ------------    Total noninterest expenses              2,159         2,283        2,177                                     ------------ ------------- ------------Income before provision for income taxes                                        452         1,145          537Provision for income taxes                    189           397          227                                     ------------ ------------- ------------Net income                           $        263 $         748 $        310                                     ============ ============= ============Common Share Data  Earnings per share    Basic                                  $ 0.08 $        0.23 $       0.10    Diluted                                $ 0.08 $        0.23 $       0.09  Weighted average shares outstanding    Basic                               3,251,003     3,251,003    3,220,947    Diluted                             3,332,108     3,317,811    3,308,773                              1ST CAPITAL BANK                          CONDENSED FINANCIAL DATA                                (Unaudited)                           (Dollars in thousands)                                       March 31,  December 31,    March 31,Asset Quality                               2013          2012         2012                                     -----------  ------------  -----------  Loans past due 90 days or more and   accruing interest                 $        --  $         --  $        --  Nonaccrual restructured loans              235           238          232  Other nonaccrual loans                     678         1,203           --  Other real estate owned                     --            --           --                                     -----------  ------------  -----------    Total nonperforming assets       $       913  $      1,441  $       232                                     ===========  ============  ===========  Allowance for loan losses to total   loans                                    1.75%         1.77%        1.66%  Allowance for loan losses to   nonperforming loans                    468.13%       299.38%     1448.28%  Nonaccrual loans to total loans           0.37%         0.59%        0.11%  Nonperforming assets to total   assets                                   0.26%         0.44%        0.08%Regulatory Capital and Ratios  Tier 1 regulatory capital          $    33,949  $     33,600  $    31,892  Total regulatory capital           $    37,035  $     36,646  $    34,383  Tier 1 leverage ratio                    10.15%        10.67%       11.39%  Tier 1 capital ratio                     13.82%        13.87%       16.08%  Total risk based capital ratio           15.08%        15.12%       17.33%                                                  3 Months Ended                                     --------------------------------------                                       March 31,   December 31,    March 31,Selected Financial Ratios                   2013          2012         2012                                     -----------  ------------  -----------  Return on average total assets            0.32%         0.94%        0.44%  Return on average shareholders'   equity                                   3.10%         8.84%        3.88%  Net interest margin                       3.82%         4.07%        4.04%  Net interest income to average   total assets                             3.64%         3.89%        3.90%  Efficiency ratio                         70.30%        59.15%       79.05%Selected Average Balances  Loans                              $   238,456  $    235,680  $   199,939  Investment securities                   51,172        22,081       15,732  Federal Home Loan Bank stock             1,028         1,027          918  Other interest earning assets           28,775        42,672       53,605                                     -----------  ------------  -----------    Total interest earning assets    $   319,431  $    301,460  $   270,194  Total assets                       $   334,594  $    315,501  $   280,238  Interest bearing checking accounts $    15,594  $     13,670  $    11,486  Money market                            68,202        61,035       58,250  Savings                                 66,658        62,486       41,557  Time deposits                           29,969        32,872       41,051                                     -----------  ------------  -----------    Total interest bearing deposits  $   180,423  $    170,063  $   152,344  Noninterest bearing demand   deposits                              118,835       111,670       95,320                                     -----------  ------------  -----------    Total Deposits                   $   299,258  $    281,733  $   247,664  Shareholders' equity               $    34,354  $     33,646  $    32,141