SCVBank Reports Strong Growth in Earnings

Zero non-performing assets
SANTA PAULA, Calif.--(Business Wire)--
Santa Clara Valley Bank (SCVBank) (OTCBB: SCVE) today announced
its 2007 fourth quarter and year-end financial results.

The Bank reported that quarterly revenue was $1,970,000 in the
fourth quarter, an increase of 9.4%, or $170,000 over the $1,800,000
of revenue in the fourth quarter of 2006. The Bank's fourth quarter
net income of $174,000 was up from $118,000 in the fourth quarter
2006, an increase of 47%.

Total revenue for 2007 was $7,478,000, which was a 20% increase
over the $6,243,000 for 2006. This contributed to an increase in net
income of 57%. Net income after taxes for 2007 was $472,000. SCVBank's
net interest margin increased during the year to 4.70%.

In 2007, the Bank's loans grew to $81.6 million, up from $62
million at the previous year-end, an increase of approximately 32%.
The Bank has more than $91.5 million in deposits, up from $83.2
million, or 10%, over year-end 2006.

SCVBank's loan portfolio continues to perform extremely well. For
the year, loan charge-offs were nil. At year-end, there were no
"non-performing" assets and delinquencies were minimal. Non-criticized
loans comprise 99.55% of the loan portfolio.

Chairman Guy Cole remarked, "We are very proud of our credit
quality during these challenging times. Our long-term strategy of
being a lender that has the long-term interests of our Bank and
customers in mind, coupled with outstanding underwriting, has allowed
SCVBank to maintain extremely high asset quality. It's all about
SCVBank providing constructive credit which builds strong long-term
relationships with our customers."

Bank assets at year-end were $107.3 million, an increase of 11%,
over the 2006 year-end level of $96.6 million. The Bank now holds
4,638 depository accounts. Non-interest bearing deposits have
increased to 33% of the total deposits.

Michael D. Hause, President and CEO stated, "The strength of our
loan portfolio is exceptional at this time. Our credit staff should be
complimented on their commitment to quality loan administration." He
continued, "Our Remote Deposit Capture Program is now fully
operational. We have dozens of customers who have benefited from the
features of the product. Our marketing efforts in 2008 will be
centered around this revolutionary product."

Founded in 1998, Santa Clara Valley Bank has offices in Santa
Paula, Fillmore, and Valencia. Under its stock symbol of SCVE.OB,
Santa Clara Valley Bank's stock is traded through Wedbush Morgan
Securities, and Howe Barnes Hofer & Arnett. The Bank's web site is
www.SCVBank.com.

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Santa Clara Valley Bank Corporate Headquarters
901 East Main Street
Santa Paula, California 93060
805-525-1999
*T

Statements concerning future performance, developments or events
concerning expectations for growth and market forecasts, and any other
guidance on future periods, constitute forward looking statements that
are subject to a number of risks and uncertainties. Actual results may
differ materially from stated expectations. Specific factors include,
but are not limited to, the effect of interest rate changes, the
ability to control costs and expenses, the impact of consolidation in
the banking industry, financial policies of the United States
government, and general economic conditions.

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*T

Santa Clara Valley Bank, N. A.

Balance Sheets
----------------------------------------
Audited Audited
December 31, December 31,
2007 2006

Assets:

Cash and due from banks $6,512,000 $5,817,000
Investments 17,451,000 27,542,000
Loans 81,554,000 61,964,000
Allowance for loan losses (747,000) (523,000)
Other assets 2,503,000 1,757,000
-------------- --------------
Total Assets $107,273,000 $96,557,000
-------------- --------------

Liabilities and Stockholders' Equity:

Deposits $91,579,000 $83,222,000
FHLB Advances 3,950,000 3,950,000
Other liabilities 603,000 302,000
Stockholders' equity 11,141,000 9,083,000
-------------- --------------
Total Liabilities and Stockholders'
Equity $107,273,000 $96,557,000
-------------- --------------

For the Year For the Year
Statements of Income Ended 12-31-07 Ended 12-31-06
----------------------------------------

Interest income $6,781,000 $5,447,000
Interest expense 2,205,000 1,701,000
Provision for loan losses 224,000 88,000
Noninterest income 697,000 796,000
Noninterest expense 4,258,000 3,968,000
-------------- --------------
Income before taxes 791,000 486,000
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Income tax provisional 319,000 186,000
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Net Income $472,000 $300,000
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Earnings per share, basic $0.46 $0.32

Quarterly Net Income $174,000 $118,000
Quarterly earnings per share, basic $0.16 $0.13

Book value per share $10.28 $9.51
Shares outstanding (end of period) 1,083,839 955,588

Return on average assets 0.46% 0.33%
Return on beginning equity 5.20% 3.56%

Total risk based capital ratio 13.54% 15.00%
Tier one capital ratio 12.68% 14.20%
Leverage ratio 10.47% 9.50%

Nonperforming assets $0 $0
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Santa Clara Valley Bank
Michael D. Hause, President & Chief Executive Officer
805-525-1999

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