Northern California Bancorp

Northern California Bancorp, Inc. is a bank holding company. The Company owns 100% of Monterey County Bank (the Bank). The Company is engaged in the commercial banking through the Bank. The Bank is an independent, chartered commercial bank. The Bank’s customer base includes individuals, small and medium-sized businesses and a range of government agencies with residences, offices or other relationships located in or about the city and county of Monterey, California, including the cities of Carmel, Pacific Grove and Salinas. The Bank offers its customers a range of personal, consumer and commercial services. The Bank’s deposits are insured by the Federal Deposit Insurance Corporation (FDIC). Its wholly owned trust subsidiaries include Northern California Bancorp, Inc. Trust I and Northern California Bancorp, Inc. Trust II. (Source: 10-K)