FOR IMMEDIATE RELEASE Contact: J. Mike McGowan

President and CEO

559.438.2002

Premier Valley Bank Announces Second Quarter and First Half Earnings

FRESNO, CALIFORNIA…July 18, 2013 … Premier Valley Bank (OTC Markets PVLY) today announced its second quarter and first half 2013 financial results. Earnings for the second quarter of 2013 were $1.52 million, or $.12 per share, up from $1.39 million, or $.11 per share, for the first quarter of 2013, and compared to $1.67 million, or $.13 per share, for the second quarter of 2012. Earnings for the first half of 2013 were $2.92 million, or
$.23 per share, compared to $3.19 million, or $.25 per share, for the first half of 2012. At June 30, 2013, total assets stood at $553 million, compared to $554 million at December 31, 2012 and $536 million at June 30, 2012. As of the end of the second quarter of 2013, loans outstanding were $343 million, compared to $357 million at the end of the second quarter of 2012, and deposits totaled $477 million, compared to $458 million at June 30, 2012. Shareholders' equity at June 30, 2013 was approximately $68 million, representing a very strong capital ratio of approximately 12.3% of total assets.
J. Mike McGowan, President and Chief Executive Officer, stated, "We are pleased to again report that
Premier Valley Bank continues to perform very well compared to industry standards and peer organizations. Both
2011 and 2012 were record profitability years and the first half of 2013 is only slightly behind the record pace. We remain highly confident in the future of the Bank".
Premier Valley Bank is a full service bank known as "THE" Business and Professional Bank in Central California and "THE" Community Bank Serving the Sierra. The Bank's Directors are Jerry E. Cook; Mateo F. De Soto, M.D.; Surinder P. Dhillon, M.D.; Linda F. East; Richard H. Lehman; Michael S. Mathiesen; J. Mike McGowan; Thomas G. Richards; and Joe Williams.

Cautionary Statement: This release may contain certain forward-looking statements which are not historical facts and may pertain to future operating results. These forward-looking statements are within the meaning of the Private Securities Litigation Reform Act of 1995. Any such statements are subject to risks and uncertainties that could cause the Bank's actual results to be materially different from the results discussed herein. These risks and uncertainties include those related to the economic environment particularly in the region where Premier Valley Bank does business, competitive products and pricing, general interest rate changes, the fiscal and monetary policies of the United States Government, credit risk management, regulatory actions, and other risks and uncertainties. Words such as "anticipate," "believe," "estimate," "expect," "should," "intend," "project," and words or phrases of similar meaning are intended to identify forward-looking statements.

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