21% INCREASE IN PROFITS

  The Board of Directors of Chino Commercial Bancorp (“CCBC”) the parent company of Chino Commercial Bank NA, announced the results of operations for the Bank and the consolidated holding company for the three and twelve months ended December 31, 2014. For the full year ended December 31, 2014 the company posted a consolidated net income of $1,139,773, an increase of 21.2% over net income of $940,728 for the year ended December 31, 2013. Net income for the quarter ended December 31, 2014 decreased 11.5% to $261,887 from $295,970 for quarter ended December 31, 2013. Net income per basic share and fully diluted share was $1.30 for the year ended December 31, 2014, a 21.2% increase over $1.13 per share for the year ended December 31, 2013. Earnings per basic share and diluted share for the fourth quarter ended December 31, 2014 were $0.30 as compared to $0.36 for the fourth quarter of 2013. Dann H. Bowman, President and Chief Executive Officer stated, “We are very pleased with the performance of the Bank in 2014.  This year the Bank set new records for earnings, earnings per share, total deposits and total loans. The Company’s net earnings for fiscal year 2014 were up 21% over the previous year, representing a return on beginning equity of 11.8%.  Deposit and Loan balances increased during the year by 5.3% and 29.7% respectively, allowing the Bank to show improved stability of earnings and efficiency.  In addition to the growth, at fiscal year end the Bank reported no OREO, and only one delinquent loan.” Financial Condition Non-interest bearing deposits increased 14.3% to $64.7 million at December 31, 2014 from $56.6 million at December 31, 2013. Total deposits at December 31, 2014 totaled $115.4 million, an increase of 5.3% from $109.6 million at December 31, 2013. Core deposits increased 7.5% to $108.8 million at December 31, 2014 from $101.2 million at December 31, 2013. The Bank’s core deposits to total deposits increased to a very favorable 94.3% of total deposits at December 31, 2014 from 92.3% at December 31, 2013. At December 31, 2014, total assets were $130.1 million, an increase of $7.0 million or 5.7% from $123.1 million at December 31, 2013. Gross loans increased to $83.5 million at December 31, 2014 from $64.4 million at December 31, 2013, or an increase of 29.7%, and total investments increased to $32.1 million from $24.0 million at December 31, 2013, a 33.7% increase. The level of “non-performing” loans decreased during the year to $0 at December 31, 2014, from one loan totaling $207,942 at December 31, 2013 or a 100% decrease.  At year-end the Bank had only one overdrawn account which was more than 30 days delinquent for $285.63. The company continued to experience net loan recoveries amounting to $163,738 in 2014 as compared with a net recovery of $57,442 in 2013, or an increase in recoveries of $106,296. Net loan loss (recovery) as a percent of gross loans was (0.20%) and (0.09%) for the years ended December 31, 2014 and 2013, respectively. Earnings The Company posted net interest income of $4,258,257 for the year ended December 31, 2014, as compared to $4,092,971 for the year ended December 31, 2013. Average interest-earning assets were $112.4 million with average interest-bearing liabilities of $51.6 million, yielding a net interest margin of 3.79% for the year ended December 31, 2013; as compared to average interest-earning assets of $105.3 million with average interest-bearing liabilities of $53.4 million, yielding a net interest margin of 3.89% for the year ended December 31, 2013. The Bank posted net interest income of $1,170,794 for the three months ended December 31, 2014 as compared to $1,084,011 for the three months ended December 31, 2013. Average interest-earning assets were $115.1 million with average interest-bearing liabilities of $52.6 million, yielding a net interest margin of 4.03% for the fourth quarter of 2014; as compared to average interest-earning assets of $106.8 million with average interest-bearing liabilities of $50.6 million, yielding a net interest margin of 4.03% for the three months ended December 31, 2013. Non-interest income totaled $1,605,099, or an increase of 7.2% from $1,497,094, earned in the year ended December 31, 2013. Service charges on deposit accounts increased $44,399 or 3.4% to $1,344,099 in 2014. Non-interest income for the quarter ended December 31, 2014 totaled $367,964 or a 5.9% decrease from the fourth quarter of 2013. General and administrative expenses were $1,114,531 for the three months ended December 31, 2014 or an increase of 11.6% as compared to $998,524 for the three months ended December 31, 2013. General and administrative expenses were $4,153,316 for the year ended December 31, 2014 as compared to $4,082,037 for the year ended December 31, 2013. The largest component of general and administrative expenses was salary and benefits expense, which totaled $665,516 for the three months, ended December 31, 2014 as compared to $550,243 for the three months ended December 31, 2013. Salary and benefits expense were $2,398,764 for the year ended December 31, 2014 as compared to $2,231,308 for the year ended December 31, 2013. The consolidated Company’s income tax expense was $157,743 for the three months ended December 31, 2014 as compared to $181,266 for the three months ended December 31, 2013. Income tax expenses were $694,759 for the year ended December 31, 2014 as compared to $566,545 for the year ended December 31, 2013. The effective income tax rate for 2014 and 2013 was approximately 37.9% and 37.6%, respectively.

Forward-Looking Statements

The statements contained in this press release that are not historical facts are forward-looking statements based on management’s current expectations and beliefs concerning future developments and their potential effects on the Company. Readers are cautioned not to unduly rely on forward-looking statements. Actual results may differ from those projected. These forward-looking statements involve risks and uncertainties including but not limited to the health of the national and California economies, the Company’s ability to attract and retain skilled employees, customers’ service expectations, the Company’s ability to successfully deploy new technology and gain efficiencies there from, changes in interest rates, loan portfolio performance, and other factors detailed in the Company’s SEC filings. Contact: Dann H. Bowman, President and CEO or Melinda M. Milincu, Vice President and CFO, Chino Commercial Bank, N.A., 14245 Pipeline Avenue, Chino, Ca. 91710, (909) 393-8880.