Dear Friends,

Chances are that if you live in Southwest California, you've seen and heard the Mission Oaks National Bank name. Beginning with a team of 15 employees and 11 directors in November of 2000, the bank now enjoys a growing reputation as one of Southern California's best performing community banks.

What's our secret? Mission Oaks has enjoyed great success thanks to a talented group of employees and directors, dedicated shareholders, a focus on building on long-standing friendships and relationships, and a commitment to delivering the utmost in personal service.

New customers have also demonstrated their enthusiastic support – helping the bank grow to over $210 million in assets and $170 million in loans by December 31, 2007. Even more impressive, Mission Oaks has achieved better profitability in its short life than almost any other peer bank in the banking industry – delivering on our motto:
“Strength. Stability. Rooted in the Community.”

Today, Mission Oaks National Bank boasts five branch offices and loan production offices in both San Diego County and Arizona. In addition, we have a highly productive residential mortgage lending operation and a talented SBA Department that achieved the coveted "Preferred Lender" status with the SBA in less than 2 years.

And what's the best part? Mission Oaks National Bank is totally dedicated to you, our customer! You'll enjoy a full-service menu of banking benefits, designed to meet your personal and professional goals, all delivered with a personal hometown touch - Mission Oaks National Bank style! Fast, local loan approvals; specialized products; and a talented team of knowledgeable bankers make the experience at Mission Oaks National Bank truly unique.

That's our promise to you. "Hometown Banking," isn't just something we say; it's how we do business! Welcome to Mission Oaks!

Gary W. Votapka
President & Chief Executive Officer