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REDD 2004 Annual Report WEB F 2004 NORTH VALLEY BANCORP ANNUAL REPORT SACRAMENTO WE SERVE. VISION: TO BE THE MOSTSUCCESSFUL FINANCIAL SERVICES FINANCIAL PROVIDER IN THE MARKETS PROVIDE outstanding customer service in the delivery of competitive, innovative financial services and products. Continue to ACHIEVE consistent superior-to-peer investment returns for our shareholders. DEVELOP strong, mutually beneficial relationships with our customers. MISSION Be a positive corporate citizen – CONTRIBUTE human and financial resources to a variety of worthwhile community activities. CREATE an environment that provides opportunities for personal and professional growth. What a challenging and rewarding year 2004 was! Both North Valley Bancorp and the industry went through some dramatic changes during the year. For North Valley it was our acquisition of Yolo Community Bank, and for the industry it was Sarbanes-Oxley (“SOX”). This new legislation has fundamentally changed the way business transactions are executed and has changed the face of the auditing profession. SOX Section 404 had a direct impact on the Company as it cost North Valley over $200,000 to implement this section of SOX, in addition to all of the other corporate governance changes required by this legislation. On the more positive side, our August 31 acquisition of Yolo Community Bank was a big accomplishment in that we gained entry into higher growth markets around the Sacramento area. We were also able to integrate their back office and all their systems into North Valley Bancorp’s by the end of November in order to begin to gain efficiencies and grow on a single platform. Total shareholder return for 2004 was 29.9% as a result of stock price appreciation and cash dividends. This was our third year in a row of 30% shareholder returns. Net income for 2004 increased to $8,379,000 or $1.17 per diluted share from $7,971,000 or $1.13 per diluted share in 2003. Excluding the Yolo acquisition, total loans grew $92.2 million or 24.3%. Inasmuch as fully half of this growth occurred in the fourth quarter, it did not have a large impact on the earnings for 2004 but will put us in a good position for 2005. We had previously stated that our earnings goal for 2004 was to replace income generated from selling mortgage loans in 2003 with growth in our net interest income in 2004. (We sold all fixed rate new mortgage loans in 2003 because of extraordinarily low interest rates and the negative impact holding these loans would have on our future earnings.) The results were a decrease in gains on mortgages in 2004 of $1,897,000 as expected, but an increase in net interest income MESSAGE TO THE SHAREHOLDERS in 2004 of $3,857,000. During 2004, we also embarked on a process to evaluate North Valley’s corporate look, logos, corporate names, and branding strategies. We engaged an outside professional to assist us, STATISTICS and we believe we have a new look and unified image that will allow our customers to identify with a single brand that encompasses all of our people, products, and Diluted Earnings per Share (Diluted EPS) markets. In conjunction with this, Yolo Community Bank 04 $1.17 was re-named NVB Business Bank and the former 03 $1.13 branches of Six Rivers Bank will now be North Valley Bank 02 $1.11 branches. This 2004 Annual Report features our new 01 $0.82 brand and logos. 00 $0.35 As for 2005, our focus is on establishing the new Return on Average Equity locations in Santa Rosa and Ukiah that we announced (ROE) late in 2004. In addition to these two new locations, we 04 16.54% will be looking closely at the remainder of the I-80 03 16.66% corridor from north of San Francisco to 02 17.31% Sacramento as our next area of expansion. 01 13.11% 00 5.82% As for the Santa Rosa and Ukiah locations, our new business development personnel have already generated over $38 million in loan totals as of this Total Assets (Thousands) writing so we are very excited about the opportunities 04 $866,231 these new growth markets will bring. 03 $677,693 02 $655,770 In 2005 we will also continue to market our “Positively 01 $594,973 Free” personal and business checking accounts. These 00 $540,013 programs continue to be successful in bringing in new clients and providing opportunities to sell additional Total Deposits products and services to increase our products per (Thousands) household. In addition, we are very excited about our 04 $711,654 investment department, which has been re-named 03 $598,314 Investors Marketplace™ and is now under new leadership. 02 $555,053 01 $514,278 00 $460,291 On behalf of our staff and Board of Directors, thank you for your business and your continued support. Sincerely, J. M. “Mike” Wells, Jr. Michael J. Cushman Chairman of the Board President and CEO J. M. “Mike” Wells, Jr. Michael J. Cushman Chairman of the Board President and CEO BUILDING SHAREHOLDER VALUE WITH A STRONG BRAND As North Valley Bancorp continues to grow via acquisition, the bank leadership team in 2004 committed to a branding initiative that would explore the market, customer and employee perceptions surrounding our individual bank franchises and NORTH VALLEY BANCORP BOARD OF DIRECTORS I Martin A. Mariani, Partner at Mariani Nut Co. and M&L Fruit Company provide risk-return data to help I Kevin D. Hartwick, Certified Public Accountant and Partner, Cholwell, Benz and Hartwick the organization move forward I Dan W. Ghidinelli, Certified Public Accountant and Partner, Nystrom and Company I J. M. “Mike” Wells, Jr., Chairman, Attorney at Law with the strongest brand value. I Michael J. Cushman, President and Chief Executive Officer, North Valley Bancorp I Thomas J. Ludden, Retired Educator and Private Business Owner Due to the pace of the Yolo I Royce L. Friesen, RPh., Chairman and Owner, Owens Healthcare Community Bank acquisition I William W. Cox, CRE, CCIM, President and Owner, Cox Real Estate Consultants, Inc. I Dolores M. Vellutini, Businesswoman and Developer followed by the Ukiah and I Roger Kohlmeier, Retired Investor, Member/Part Owner, Turn of the Century LLC Santa Rosa branch additions, branding input initiatives were fast-tracked in fourth quarter 2004, and resulted in development of the initial brand component, BOARD OF DIRECTORS the new NVB logo, which is featured in this report. Additional strategies for the NVB Business Bank nomenclature have been developed to allow NVB commercial clients an environment distinct from the bank’s retail footprint which focuses on customers who utilize our Positively Free Checking product. NVB BUSINESS BANK (formerly YOLO COMMUNITY BANK) BOARD OF DIRECTORS I Charles V. Santoni, President of V. Santoni & Co. Organizationwide standards and I H. James Gray, President & Managing Partner of Sacramento Valley Commercial Associates, Inc. I Thomas R. Scarlett, Vice President of Wraith Scarlett & Randolph Insurance Agency customer commitments are being I Martin A. Mariani, Partner at Mariani Nut Co. and M&L Fruit Company developed as this report is printed, I Kevin C. Haarberg, Partner and Investment Representative with Edward D. Jones & Co. I J. M. “Mike” Wells, Jr., Attorney at Law and a complete program rollout to I Roger Kohlmeier, Chairman, Retired Investor, Member/Part Owner, Turn of the Century LLC our customers and markets is I Michael J. Cushman, President and Chief Executive Officer, North Valley Bancorp I Timothy R. Magill, Municipal Marketing and Business Development Manager with Waste Management, Sacramento scheduled for May 2005. I Thomas E. Schwarzgruber, Treasurer of Schwarzgruber & Sons, Inc. I John Perry, President of Perry, Bunch & Battaglia, Inc. BUILDING SHAREHOLDER VALUE WITH A STRONG BRAND As North Valley Bancorp continues to grow via acquisition, the bank leadership team in 2004 committed to a branding initiative that would explore the market, customer and employee perceptions surrounding our individual bank franchises and NORTH VALLEY BANCORP BOARD OF DIRECTORS I Martin A. Mariani, Partner at Mariani Nut Co. and M&L Fruit Company provide risk-return data to help I Kevin D. Hartwick, Certified Public Accountant and Partner, Cholwell, Benz and Hartwick the organization move forward I Dan W. Ghidinelli, Certified Public Accountant and Partner, Nystrom and Company I J. M. “Mike” Wells, Jr., Chairman, Attorney at Law with the strongest brand value. I Michael J. Cushman, President and Chief Executive Officer, North Valley Bancorp I Thomas J. Ludden, Retired Educator and Private Business Owner Due to the pace of the Yolo I Royce L. Friesen, RPh., Chairman and Owner, Owens Healthcare Community Bank acquisition I William W. Cox, CRE, CCIM, President and Owner, Cox Real Estate Consultants, Inc. I Dolores M. Vellutini, Businesswoman and Developer followed by the Ukiah and I Roger Kohlmeier, Retired Investor, Member/Part Owner, Turn of the Century LLC Santa Rosa branch additions, branding input initiatives were fast-tracked in fourth quarter 2004, and resulted in development of the initial brand component, BOARD OF DIRECTORS the new NVB logo, which is featured in this report. Additional strategies for the NVB Business Bank nomenclature have been developed to allow NVB commercial clients an environment distinct from the bank’s retail footprint which focuses on customers who utilize our Positively Free Checking product. NVB BUSINESS BANK (formerly YOLO COMMUNITY BANK) BOARD OF DIRECTORS I Charles V. Santoni, President of V. Santoni & Co. Organizationwide standards and I H. James Gray, President & Managing Partner of Sacramento Valley Commercial Associates, Inc. I Thomas R. Scarlett, Vice President of Wraith Scarlett & Randolph Insurance Agency customer commitments are being I Martin A. Mariani, Partner at Mariani Nut Co. and M&L Fruit Company developed as this report is printed, I Kevin C.
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