By the time you read this, I hope to have completed my third California International Marathon (CIM). I have envisioned the entire run. It starts on a crisp December day with the wind at my back (running into the wind for 26.2 miles really takes its toll). I’m running comfortably in the beginning of the race, which leads to a “negative split” (i.e. running the 2nd half of the race faster than the first half), and crossing the finish line in time to qualify for the Boston Marathon for the second time. That is my positive path vision. Since I’m a realist, I also went through the other possibilities such as, rain and the dreaded head winds, the body not quite cooperating like it used to, hitting “the wall” (imagine a gorilla jumping on your back), mentally digging deep to get through the last miles, collapsing in relief when finished, and promising (a promise which I won’t keep) that I will never do it again!

Why is this relevant? As business leaders, we all have visions for our businesses, just as I do for running a marathon. At the beginning of a new year, I like to take inventory and reflect upon what worked well, what needs improvement and how to best execute our business strategies. We all have short and long term business goals and ideas about what we want to achieve. But, it’s the way in which we realistically confront and handle adversity that will determine our success in achieving our vision. This reminds me of one of my favorite quotes from Thomas Edison “Vision without execution is hallucination.”

It’s our determination and grit in the context of the situation that leads to the continued attainment of our goals. Jim Collins’ embodies this idea in his book, Good to Great, which includes some outstanding management lessons. One of his key messages for great leaders involves perseverance. His message is twofold. First, one should always retain faith that you will prevail in the end, regardless of the difficulties. Second, one should always confront the most brutal facts of the current reality, whatever those circumstances might be.

MESSAGE FROM THE PRESIDENT

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2 Q4 Event Highlights7 Clients in the News Rhodes Retail, MDDV, and Fort Sutter Surgery Center 8 Employee Highlight 8 Customer Profile Sacramento Ear Nose & Throat

Stephen A. Fleming, President & CEO

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“ ...it’s the way in which we realistically confront and handle adversity that will determine our success in achieving our vision.

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www.RiverCityBank.com | 916.567.2600 | 2485 Natomas Park Drive, Sacramento, CA

Q4 Event Highlights

Cyber Liabililty SeminarOn Wednesday, October 30th, River City Bank held a follow up Cyber Liability Seminar “How to Protect your Business - Part II at the Sutter Club in Sacramento. This panel discussion was the second in a series of information packed events designed to help our business clients learn more about managing cyber risk.

Retirement SeminarRiver City Bank held a Retirement Planning Seminar on October 9th in partnership with Genovese, Burford & Brothers (GBB). The seminar was designed for business owners and focused on how to create a successful retirement plan for their employees.

Q4 2013 Executive Forum:Our Q4 Executive Forum was held on December 4, 2013 at the Sutter Club. We were delighted to have Mike Ziegler, CEO of Pride Industries, as our guest speaker. Dr. Robert L. Lorber, President of The Lorber Kamai Consulting Group, moderated the event. Robert asked Mike several tailored questions about PRIDE Industries and the lessons he learned “the hard way” while building PRIDE from a grass-roots organization started in the basement of a church into a leading provider of business solutions and America’s largest employer of people with disabilities.

1 Ryan Duplissey, CHP & LuAnna Harmon, FBI2 Amy Zenti, Carrie Lane & Charline Chalas, California Association of Highway Patrolmen (CAHP)3 Steve Fleming, RCB; David Hanjiev, Salient IT; Eric Johnson, RCB and Roman Hanjiev, Salient IT4 Debbi Foster, Denios Farmer’s Market; Kit Chan, DFI Tech and Nick Mullis, Ambrosia Fine Food5 Pat Lewis, RCB; Edward Johnson, Warren G. Bender, Co.; LuAnna Harmon, FBI and Eric Johnson, RCB6 Steve Fleming, RCB; Edward Johnson & Steve Bender, Warren G. Bender, Co.; LuAnna Harmon, FBI; Pat Lewis and Eric Johnson, RCB

7 Kevin and Mary Clark, Pacific Field Service, Inc.8 Kevin Thelen, GBB9 Lon Burford, GBB10 Michael Munch and Jeffrey Dudley, SacENT11 Todd Bollenbach, GNT Solutions and Larry Chillemi, The Lyman/Tremont Group12 Dr. Robert L. Lorber, The Lorber Kamai Consulting Group and Mike Ziegler, Pride Industries13 Mike Ziegler, Pride Industries and Steve Fleming, RCB

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Q4 Event Highlights

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14 Cindy Condos, Boutin Jones, Inc.; Kristen Holihan, RCB and Dan Stouder, Boutin Jones, Inc.15 Dominick Carlson, RCB; Jarrod Burch and Brie Boutin, Boutin Jones, Inc.16 Christine Gutierrez, RCB and RJ Wood, Boutin Jones, Inc.17 Jim Leet, Boutin Jones, Inc.; John Weubbe, RCB and Maralee Ericksen, Boutin Jones, Inc.18 Stan SooHoo, RCB and Bob Rubin, Boutin Jones, Inc.19 Ken Imwinkelried and Steve Fleming, RCB with Donna Courville and Steve Boutin, Boutin Jones, Inc.

20 Ken Imwinkleried and Dominick Carlson, RCB and Alex Brown, GBB and Stan SooHoo, RCB21 Lon Burford and Monica Steiner, GBB and John Weubbe, RCB22 Sandra LaMendola, RCB and Mike Genovese, GBB23 Mark Huffman, GBB and Patrick Hulme, Bryen Alperin and James Fish, RCB24 Steve Fleming, RCB and Mike Genovese, GBB25 Victoria Dolan and Anker Christensen, RCB and Mindy Cantrell, Christa Tindall, Amy Wagenknecht and Angie Butler, GBB 26 Gariel Fink, BFBA and Brian Killeen, RCB27 Abe Green, RCB and Miles Brown, BFBA28 Jenny Davini, BFBA and Tracy Mullen, RCB29 Dominick Carlson, Steve Fleming and Ken Imwinkelried, RCB and Craig Boyce, BFBA

RCB MixersRiver City Bank hosted several social mixers in Q4 2013. These mixers were an excellent opportunity for one-on-one conversations to help build stronger relationships between the two companies.

October 23, 2013 RCB hosted Boutin Jones, Inc. at Il Fornaio Restaurant

RCB hosted Genovese, Burford & Brothers (GBB) at The Grange on December 5, 2013

Networking with Brown, Fink, Boyce and Astle, LLP (BFBA) at Piatti Restaurant & Bar on December 11, 2013

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A Sutter Health Affiliate, Fort Sutter Surgery Center is a same day ambulatory surgery center. Ambulatory surgery centers (ASC) have revolutionized the way that people meet their health care needs by emphasizing

safety and quality in a comfortable and efficient setting. ASCs were developed to provide an effective quality alternative to hospital based surgery.

Over 70 percent of surgeries in the United States are in the outpatient setting, and one out of five of these are performed at an ASC. As an ASC, Fort Sutter Surgery Center is dedicated to providing exceptional care in a friendly, professional setting. For more about Fort Sutter Surgery Center, visit www.fortsuttersurgery.com.

Welcome Fort Sutter Surgery Center

CLIENTS IN THE NEWS

Rhodes Retail Services, Inc. Celebrates 20 Years Congratulations MDDV, Inc.

Congratulations on 20 years and counting! In January 2014, Rhodes Retail Services, Inc. will celebrate its 20th year as the premier merchandising service provider coast to coast. Since 1994, Rhodes Retail has helped companies set up and/or remodel stores with a brand of professionalism and experience that is unrivaled in the industry.

Rhodes Retail sets the bar high. Whether they are working on a new store set up or revamping a store or department, their expert crews work hard to save time and money, while allowing their customers to focus on sales instead of merchandising. Over the years they have enjoyed steady growth and expansion, and their accomplishments are a direct result of their culture and the quality of their work. Visit www.rhodesretail.com for more about Rhodes Retail Services, Inc.

We would like to congratulate MDDV, Inc. (Asher College) for their many accomplishments over the last couple of years. In August of 2012, they were approved to start offering degree programs and simultaneously opened a new location in Dallas, TX. They should begin offering the degree programs in Dallas by the end of the year or early 2014. Also, they are currently going through an audit for their Title IV program accreditation (each school has to go through this process every five years to prove they can maintain the Title IV accreditation). Title IV allows a school to have Federal support programs like grants and loans. They expect approval for another five years by the end of 2013.

Asher College is a highly respected career college with career locations throughout California, Nevada, and Texas. The Mission of Asher College is to provide quality, market-driven education to individuals and corporate clients. It is a vocational college and career trade school that offers the finest education, support and training to its students. Their career training programs include information technology, medical career training and business career training. Visit www.asher.edu for more information about their programs.

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In the last five years with River City Bank, I’ve found that tenacity is a common attribute among successful business leaders. I’ve enjoyed many conversations with each of you regarding your business strategies, obstacles faced, lessons learned the hard way, and leading your teams to overcome difficulties and execute solid solutions. Your stories are truly inspiring to me and have helped make my job more interesting.

I wish you and your teams continued success in 2014 and beyond. The businesses within the Sacramento region have great leadership that continues to persevere, and I’m proud to be part of a business community so rich with enthusiasm and drive. With the team of business leaders we have in the Sacramento area, I believe our future is bright. I thank each of you for letting me be a part of your successes!

Cheers,Steve

CONTINUEDMESSAGE FROM THE PRESIDENT

“ I wish you and your teams continued success in 2014 and beyond.

Stephen A. Fleming, President & CEO

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EMPLOYEE HIGHLIGHT

CUSTOMER PROFILE

Abe Green, AVP Portfolio Manager

Sacramento Ear, Nose and Throat (SacENT)

ships and gaining experience in presenting credits to the Board Loan Committee. In 2013, Abe was elevated to his current position as Portfolio Manager where he enjoys working closely with River City Bank’s decision makers to respond to the needs of clients quickly and effectively. He also appreciates working with experienced bankers who provide a positive environment in which to continue learning and developing his skills in commercial lending.

Abe graduated from Bob Jones University in May of 2002 with a Bachelor of Science degree in Financial Management. He lives in Natomas with his wife and three children. He is most inspired by his family and friends (their experience and accomplishments), really good writing and the curiosity and imagination of his kids. Abe enjoys spending time with his wife and kids, reading, and playing and watching sports.

It’s said that experience breeds wisdom. It often does. In Abe Green’s case, it has. When he took his first job as a laborer cleaning up trash and debris at commercial properties and residential rentals, it’s unlikely he could have guessed that it would lead to a career with River City Bank. Through his early work experience, Abe discovered that cleaning up evictions made him want to strive for a more

professional line of work, which ultimately led him to a career in the financial industry.

In 2007 Abe joined the River City Bank team as a credit analyst spreading financials and underwriting loan re-quests. After little more than a year, he was promoted to senior credit analyst, handling more complex relation-

Originally established in the late 1950s, Sacramento Ear, Nose and Throat (SacENT) has been in existence for over fifty years, and its award-winning physicians are regionally and nationally recognized leaders in their fields. At SacENT, the mission of the physicians and staff is to provide the highest standard of state-of-the-art specialty medical care in a personal, compassionate manner. To enhance service and access for their patients, the practice has grown to 14 physicians and four mid-level practitioners in seven locations-Sacramento, Carmichael, Folsom, Roseville, Atherton, Los Altos and Walnut Creek. SacENT offers the complete spectrum of diagnostics and treatment of all ear, nose and throat care. In addition, they offer the full range of facial plastic surgery and minimally invasive cosmetic procedures. Visit www.sacent.com to learn more.

Abe GreenAVP, Portfolio Manager

Jeffrey Dudley, M.S.Chief Executive Officer