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3260 Telegraph Rd.
Ventura, CA 93003
(805) 477-7600




2400 E. Gonzales Rd. Oxnard, CA 93036
(805) 485-7600




2357-B Pickwick Dr.
Camarillo, CA 93010
(805) 482-7600


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Award Winning County Commerce Bank Announces Another Outstanding Year for 2009

Net income up 11.3% and total assets up 27.1% for 2009.

County Commerce Bank, the only community bank headquartered in Ventura and dedicated to serving Ventura County continued strong growth in 2009. In the bank’s seventh year of operation, the bank’s net income was $1,003,000 (8.24% ROE) for 2009; up from $901,000 (8.16% ROE) in 2008. Capital increased $1,033,000 (8.49%) to $13,204,000 in 2009 from $12,171,000 in 2008.

During the 12 month period ending December 31, 2009, assets climbed $34.1 million, reaching $160.1 million by year end; a 27.1% increase over the $16.6 million or 15.2% increase in 2008. The bank extended an additional $13.6 million in loans to local individuals and businesses during the same period, growing the bank’s portfolio by 16.4% to $96.6 million at year end. The announcement was made by Joseph D. Kreutz , President and Chief Executive Officer. Kreutz stated, “I am very pleased, particularly in these challenging economic times that the bank finished 2009 with a respectable profit and a strong balance sheet. We have no bad loans, no nonperforming assets and no reportable 30-day delinquencies.” Kreutz added, “I am grateful that the bank is so well positioned, with a high quality loan portfolio, loyal shareholders, a customer base of strong relationships and an incredibly talented and dedicated staff. I can’t thank the Board of Directors enough for their leadership that has brought the bank to its current strong position.”

County Commerce Bank was recognized by BauerFinancial, Inc. with its Five-Star “Superior” rating for the 18 th consecutive quarter and received Premier Performing Bank for 2008 by Findley Reports, Western Regional Winner of the Small Business of the Year Award in 2006 by the US Chamber of Commerce and Mid Sized Business of the Year 2006 by the Ventura Chamber of Commerce and Public Company of the Year by Pacific Coast Business Times in 2008.

County Commerce Bank was founded by local professionals and business leaders in Ventura County. Headquartered in the City of Ventura at 3260 Telegraph Road (one block west of Mills), with a second location in Oxnard at 2400 East Gonzales Road, County Commerce Bank assists local professionals and small businesses, offering its customers a traditional banking experience along with the most up to date banking solutions.

County Commerce Bank completed its initial public offering of stock on January 21, 2003 and opened for business in Ventura, California on February 13, 2003. County Commerce Bank opened its second Branch located in Oxnard on April 30, 2007. County Commerce Bank stock is traded on the Over the Counter Bulletin Board (OTCBB) and our Ticker Symbol is CNYB. County Commerce Bank’s stock is traded through Market Maker.