Locations
Include:
San
Jose
Presentation
August
12, 2009 at 4:00 p.m. PST
150
Almaden Boulevard, San Jose, CA 95113
Meeting
will be in the kiosk behind main bank entrance
Danville
Presentation
August
13, 2009 at 5:30 p.m. PST
387
Diablo Road, Danville, CA 94526
A
copy of the slide presentation
to shareholders to be presented on August 12, 2009 and August 13, 2009
by the registrant's executive management is attached as
Exhibit 99.1.
SAFE
HARBOR STATEMENT
Forward-looking
statements are based on management's knowledge and belief as of today and
include information concerning the Company's possible or assumed future
financial condition, and its results of operations, business and earnings
outlook. These forward-looking statements are subject to risks and
uncertainties. A number of factors, some of which are beyond the Company's
ability to control or predict, could cause future results to differ materially
from those contemplated by such forward-looking statements. These factors
include (1) difficult and adverse conditions in the global and domestic capital
and credit markets, (2) continued volatility and further deterioration of the
capital and credit markets, (3) significant changes in banking laws or
regulations, including, without limitation, as a result of the Emergency
Economic Stabilization Act and the creation of and possible amendments to the
Troubled Asset Relief Program (TARP), including the Capital Purchase Program and
related executive compensation requirements, (4) continued uncertainty about the
impact of TARP and other recent federal programs on the financial markets
including levels of volatility and credit availability, (5) a more adverse than
expected decline or continued weakness in general business and economic
conditions, either nationally, regionally or locally in areas where the Company
conducts its business, which may affect, among other things, the level of
nonperforming assets, charge-offs and provision expense, (6) changes in
interest rates, reducing interest rate margins or increasing interest rate
risks, (7) changes in market liquidity which may reduce interest margins
and impact funding sources, (8) increased competition in the Company's markets,
(9) changes in the financial performance and/or condition of the Company's
borrowers, (10) current and further deterioration in the housing and
commercial real estate markets particularly in California and (11)
increases in Federal Deposit Insurance Corporation premiums due to market
developments and regulatory changes. For a discussion of factors
which could cause results to differ, please see the Company's reports on Forms
10-K and 10-Q
as filed with the Securities and Exchange Commission and the Company's press
releases. Readers should not place undue reliance on the forward-looking
statements, which reflect management's view only as of the date hereof. The
Company undertakes no obligation to publicly revise these forward-looking
statements to reflect subsequent events or circumstances.
ITEM 9.01 FINANCIAL STATEMENTS AND
EXHIBITS.