NEWS AND INFORMATION FOR OUR CLIENTS Financial Currents · 7 Melanie Lorensen, Angye Felato, Julia Lorensen, and Sharon Gergeri 8 Brett Wait, Eric Johnson, and Anker Christensen.

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N E W S A N D I N F O R M A T I O N F O R O U R C L I E N T S

MESSAGE FROM THE PRESIDENT

Stephen A. Fleming, President & CEO

Family businesses include businesses of all sizes, from mom and pop shops to some of the country’s largest companies — in fact, currently, more than a one-third of Fortune 500 companies are family controlled.

As the CEO of a family-owned business, I am proud to note the significance of family businesses in our region and state. Family businesses employ 80% of the U.S. workforce and create 85% of the new jobs in our country. Family businesses include businesses of all sizes, from mom and pop shops to some of the country’s largest companies — in fact, currently, more than a one-third of Fortune 500 companies are family controlled. Since many of you own, operate, and/or are employed by family businesses, I’m going to focus my comments for this quarter’s newsletter on the Capital Region Family Business Center (“FBC”), the largest independent Family Business Center in California. I have been on the Board for the FBC for several years and in April will be succeeding my friend, Steve Bender, as the Board’s President. Since its formation in 2007, this 501(c)(3) non-profit organization has helped our region’s family businesses grow and prosper. The FBC’s membership includes some of the biggest names in the Sacramento business community, such as Clark Pacific, Burger Rehab Systems, Holt of California, Raley’s, Nugget Markets, Lundberg Family Farms, Teichert, and many more.

Family businesses, of course, face all of the same challenges as non-family owned businesses, plus their own unique issues involving ownership, governance, succession planning, family members working in the business, etc. The FBC’s mission is to assist its members in meeting these challenges with a terrific suite of programs, including:

• Family Forums (Major Programs with Keynote Speakers and Panel Discussions)

• Affinity Groups (Women in the Family Business, Next Generation Leaders, and Founders/CEOs)

• Family Business Leadership Series (Designed to Prepare the Next Generation for Leadership Roles)

• Talk Technical To Me (Programs Focused on a Variety of Technical Topics) • Generations Conference (A Two Day Conference held at the Sacramento

Convention Center)

I can tell you without hesitation, that the FBC is a wonderful resource for leaders in family businesses who are looking to connect with and learn from other family owned businesses, train their next generation of leaders, and continue their commitment to being lifetime learners. Although largely a volunteer-based organization, the FBC has been growing and recently hired a full-time Executive Director, Stella Premo. If you have any interest in joining the FBC, feel free to call Stella (916-771-3220) or me (916-567-2649) to learn more or read about the FBC on the following link to its website:

http://capfamilybus.org/about/about-us/

Stephen A. Fleming, President & CEO

FEATURES1 Message from the President 2-3 Business Outlook Event 4 Client Profile – NEW LEAF SOLUTIONS5 All-Staff6 Matt Huber Q&A

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Financial CurrentsN E W S A N D I N F O R M A T I O N F O R O U R C L I E N T S

River City Bank’s 2017 Regional Business OutlookRiver City Bank hosted business and community leaders during its 2017 Regional Business Outlook on February 2, 2017. Along with a presentation by River City Bank’s President & CEO, Steve Fleming, the exclusive event also brought together influential business leaders who covered key business topics and shared their success stories, including Founder of Sleep Train and CEO of the Ticket to Dream Foundation, Dale Carlsen; Partner at Genovese Burford & Brothers, Kelly Brothers; and Sacramento Mayor, Darrell Steinberg.

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1 2017 Regional Business Outlook at the Sheraton Grand Sacramento 10 Jim Craycroft and Mike Ginette of KPMG LLP, Anker Christensen of River City Bank, 2 Mayor Darrell Steinberg and Jeff Grubbs of Bickmore3 Becky Bell of River City Bank, David Greiner of Bank of Rio Vista, and Tracy Mullen of 11 Eric Johnson of River City Bank, Jon Kelly, Founder of River City Bank, Shawn Devlin, River City Bank Chairman of the Board of River City Bank, and Dr. Patrick Devlin4 Edward Johnson of Warren G Bender and Justin Horner of DCA Partners 12 Jim and Stephanie Tilton of Tilton Pacific Construction 5 Chuck Trainor of Trainor Fairbrook with Alex Soderberg of River City Bank 13 Mehrad Saidi and Derek Chase of SunSystem Technology6 Carol Burger of Burger Rehab, Charice Huntley of River City Bank, with Kim Woods, 14 Nick Carter and Colleen Pacca of Fulcrum Property Stacey Hodge, and Catherine Ithurburn of Ronald McDonald House 15 Scott Nichols of KKN, Inc. and Brad DesJardin of Descor Builders7 Dr. Patrick Devlin with River City Bank’s John Weubbe 16 Steve Fleming of River City Bank, Kelly Brothers of Genovese Burford & Brothers, and 8 Jason Jaques of Engstrom Properties, Patrick Imbach of River City Bank, and Richard Eliot Dale Carlsen of the Ticket to Dream Foundation of David J. Elliot & Son/Stillwater Orchards9 Chris Baumann of Socotra Capital, Brian Killeen of River City Bank, and Nathan Torinus of Genovese Burford & Brothers

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

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Financial CurrentsN E W S A N D I N F O R M A T I O N F O R O U R C L I E N T S

CLIENT PROFILE

New Leaf is a community-oriented company providing full-scope Representative Payee services to California Regional Center clients. Regional Centers are contracted with the State of California to provide services for individuals with developmental disabilities, such as cerebral palsy, autism, hearing loss, and intellectual challenges. Many of these individuals do not have family members or a close friend to assist them in their finances or the management of benefits.

By providing Representative Payee services, New Leaf helps create financially stable living environments for some of California’s most vulnerable populations while alleviating Regional Center staff members of the time-consuming duties of representative payee responsibilities. New Leaf provides money management, reporting, and technical services exclusively for Regional Center consumers who receive Social Security and Medi-Cal benefits. Their services include: representative payee and money management services for clients in independent settings or out-of-home-placements; assistance for difficult and complex issues with the Social Security Administration; and ongoing benefit eligibility review for SSI and Medi-Cal benefits.

Program Director & CEO, Ali Tabatabai, along with his father Masoud, established New Leaf in 2010. At that time, he was working from his home and helping roughly 50 people monitor their funds and expenses, improve their quality of life, and ensure their continuity of access to public benefits. New Leaf now has 15 employees and serves nearly 3000 people around the state. As the need for representative payee services continues to increase, as does the referrals New Leaf receives from Regional Centers. For each center it serves, New Leaf looks to establish a local service office and a relationship with the local Social Security Administration branch and county health eligibility workers.

New Leaf’s mission is to constantly strengthen communities by ensuring that those with developmental disabilities consistently have their basic needs met, have access to services they are entitled to, and see an improvement in their overall standard of living.

To learn more about New Leaf’s services, visit www.newleafsolutions.com.

RiverCityBank.com | 916.567.2600 | 2485 Natomas Park Drive, Sacramento, CA4

RCB EVENTS

River City Bank’s 2017 All Staff AwardsOne of the many reasons why River City Bank sets itself apart from other financial institutions is our extraordinary team of employees. River City Bank has a long and cherished tradition of recognizing individual achievements at its annual All-Staff Meeting. The Hollywood-themed event celebrated those who go above and beyond for our clients as well as those who embody River City Bank’s commitment to serving the community.

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1 CEO & President, Steve Fleming with COO Pat Lewis, the recipient of the “Leader of the Year Award”2 Kristine Ly, Lynda Fagerberg, Patty Plytas, and Kelly Molthop3 Nathan Joe, Alex Soderberg, Aidan Coyne, and Nina Anderson4 Daniel Harrison, Josh Merritt, and Adam Valencia5 Charice Huntley and Linda Konietzko6 Kaitlyn Neighbor and Mayra Garcia7 Melanie Lorensen, Angye Felato, Julia Lorensen, and Sharon Gergeri8 Brett Wait, Eric Johnson, and Anker Christensen

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Financial CurrentsEMPLOYEE HIGHLIGHT

Matthew Huber SVP, Deposit Operations ManagerNatomas Corporate Office

River City Bank’s Matt Huber has worked his way up the ranks to become a Senior Vice President within Operations. Here, he dishes on the beauty of the Upper Northwest, the importance of integrity, and why a caped crusader is his hero.

Hometown: Visalia, CA

First Job: I was 15 and worked during the summer for the County of Tulare performing clerical work.

First Car: I drove around in a 1986 White Jeep Grand Cherokee.

Favorite Quote: “Do the right thing.”

Favorite Movie: “Batman.” I think Michael Keaton was the best Batman in the franchise.

Favorite city to visit: Seattle, WA. Seattle is a beautiful city surrounded by water, where the food and cultural scene is amazing. I travel there mainly for the boating, usually heading all the way up towards the San Juan Islands located just south of the Canadian border. On a few occasions, we have gone further north to another favorite spot of mine, Victoria, BC.

Book you are currently reading: The Big Red Barn by Margaret Wise Brown. I am reading it over and over and over again to my two-year-old!

Who is your favorite hero/heroine of fiction? Batman. He fights for justice, all the while sacrificing his personal life. Plus, he has a wide array of really impressive “Bat” vehicles like the Batcopter, the Batboat, and of course the Batmobile.

Which talent would you most like to have? I’d like to have dance moves like my wife.

What is your idea of perfect happiness? Traveling, being surrounded by my family, listening to my baby boy say “Daddy, Daddy,” and a hefty retirement fund.

What is the most important lesson you’ve ever learned? Hard work pays off.

What do you consider your greatest achievement? I recently achieved my goal of becoming the SVP Deposit Operations Manager. I began my career at River City Bank as the Assistant Branch Manager at the Natomas Branch. I slowly made my way up the ranks and I’ve been able to do this because River City Bank creates an environment that is conducive to growth.

Which causes/nonprofits do you support? Junior Achievement. I support Junior Achievement because I believe early exposure to correctly managing your finances is important. JA helps build a foundation upon which students can make intelligent financial decisions that last a lifetime, including decisions related to income, expenses, savings, and credit.

What do you like best about working at River City Bank? Along with the atmosphere of integrity, working for a highly motivated company is inspiring. Being surrounded by such a high caliber of co-workers helps me to strive for growth in my career.

RiverCityBank.com | 916.567.2600 | 2485 Natomas Park Drive, Sacramento, CA6