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UNEXPECTED GENEROSITY

The staff and customers at Yuma Community Bank celebrated the bank's fifth anniversary this past December. The joy of achieving this milestone was especially satisfying as we relocated to our new bank facility, which at 9,000 square feet more than doubled our office space. As requested by customers, we accommodated them with drive-though banking at our new location.

Yuma Community Bank was founded with the promise of providing outstanding customer service in the most convenient, professional, friendly and caring manner possible. Our dedication to hospitality and efficient service has been the hallmark of our bank since inception and will become even more apparent in our new building.

During this past year, we took the opportunity to differentiate our bank with a new advertising campaign using our bank board members and staff. We showcase our new bank building, as well as our new courier car, a red convertible PT Cruiser. The new slogan - "YCB -- Unexpected Generosity" -- differentiates us from other banks in Yuma, but most importantly, the advertising campaign fits perfectly with our mission of being a family of community banking professionals who are accessible to our customers.

From the beginning, the door is always open so our customers are welcome to come in to visit with our staff so we can help make their commercial, residential and family financial dreams come true.

Financially, the bank exceeded our net income goals for 2005. Our focus for 2006 is to accelerate our growth in both loans and deposits. Additionally, we will continue to weave our way deeper into the fabric of our community with the help of our bank board members and the diligent efforts of our dedicated staff.

Katherine M. Brandon, President & CEO



Yuma Community Bank | Katherine M. Brandon | President & CEO
2285 S. 4th Ave. | Yuma, AZ 85364 | 928-782-7000 | www.yumabank.com
Founded: December 15, 2000

Board of Directors
Katherine M. Brandon
President & CEO
Yuma Community Bank

Clarence B. Cheatham
Vice President
DPE Construction

Raymond R. Corona
Optometrist & President
Corona Optique

Lawrence L. Deason
Attorney at Law
Lawrence L. Deason, Ltd.

Ram R. Krishna, M.D.
President
Ram R. Krishna, M.D., P.C.
John T. Osterman
President
Osterman Financial Group

Ronald K. Sable
President
Concord Solutions Ltd.

David S. Sellers
Retired

John R. Sternitzke
President
Sternco Engineers, Inc.

Pamela K. Walsma
Attorney at Law
Westover, Shadle, & Walsma, PLC

Ronald S. Watson
Real Estate Broker & Owner
ERA Matt Fischer Realtor
Robert R. Woodman
Owner
Woodman Realty

Leonard C. Zazula
Cashier - Western Regions
Capitol Bancorp Limited
Officers
Ronald S. Watson
Chairman

Ram R. Krishna
Vice Chairman

Katherine M. Brandon
President & CEO

Pamela K. Walsma
Secretary
Keith L. Simmonds
Executive Vice President & CCO

Theresa N. Wine
Senior Vice President

Kari M. Reily
Vice President


© Copyright 2006 Capitol Bancorp Limited