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PRESS RELEASE / ANNOUNCEMENTS Wednesday, July 11, 2012

American Riviera Bank Reports 21% Loan Growth

American Riviera Bank (OTC BB:ARBV.OB) reported a 21% increase in loans compared to one year ago, reporting $117million in total loans outstanding at June 30, 2012.


American Riviera Bank Reports 21% Loan GrowthSanta Barbara, California (July 19, 2012) – American Riviera Bank (OTC BB:ARBV.OB) reported a 21% increase in loans compared to one year ago, reporting $117million in total loans outstanding at June 30, 2012.

Deposits have also grown significantly with a 37% increase in non-interest bearingchecking accounts compared to one year ago. American Riviera Bank reported $125million in total deposits with $27 million in non-interest bearing checking accounts atJune 30, 2012, compared to $107 million and $19 million at June 30, 2011, respectively.

Jeff DeVine, President and Chief Executive Officer stated, “In anenvironment where many banks have pulled back on lending or arereporting soft loan demand, our focus on relationships, outreach in thecommunity, and flexible approach have resulted in consistent clientgrowth. With ample capital and liquidity, the Bank looks forward tohelping our clients grow along with us.”American Riviera Bank reported unaudited pre-tax income of $386 thousand ($0.15 pershare) for the second quarter ending June 30, 2012, which represents a 14% increase inprofit from the $338 thousand ($0.13 per share) for the same period last year. For the six months ending June 30, 2012, American Riviera Bank reported unaudited pre-tax incomeof $661 thousand ($0.26 per share).Due to effective deployment of deposits into loans, American Riviera Bank reported a netinterest margin of 5.36% for the quarter ending June 30, 2012 increasing significantlyfrom 4.55% one year ago American Riviera Bank continues to maintain a strong capital position with Tier 1 capitalto total assets of 14% as of June 30, 2012, well above the regulatory guideline of 5% forwell capitalized institutions. The tangible book value of one share of American Riviera Bank stock is $8.99 as of June 30, 2012.

Company Profile American Riviera Bank is a full service community bank, focused on serving the lendingand deposit needs of businesses and consumers in our community. The Bank wasfounded in 2006 by over 400 local shareholders and has one branch located at 1033Anacapa Street in downtown Santa Barbara.

American Riviera Bank www.americanrivierabank.com 805-965-5942Michelle Martinich

Statements concerning future performance, developments or events concerningexpectations for growth and market forecasts, and any other guidance on future periods,constitute forward looking statements that are subject to a number of risks anduncertainties. Actual results may differ materially from stated expectations. Specificfactors include, but are not limited to, effects of interest rate changes, ability to controlcosts and expenses, impact of consolidation in the banking industry, financial policies ofthe US government, and general economic conditions

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