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Important Announcement Regarding 1st Capital Bank President and CEO Fred Rowden

MONTEREY, CA -- (Marketwire) -- 11/10/12 -- 1st Capital Bank (OTCQB: FISB) -- 1st Capital Bank is sad to report today the passing of its President and CEO, Fred Rowden. Mr. Rowden guided 1st Capital Bank through challenges and opportunities since it commenced banking operations in April 2007. He set the Bank on a path to achieve sustainable profitability and safety in an era of economic challenges that has resulted in 1st Capital Bank being recognized for its superior performance since inception. His legacy of safe and sound banking practices will continue to endure in the years ahead through the efforts of the professional bankers at 1st Capital Bank. Having worked in the community and the banking industry for over 40 years, he will be missed by his many friends and associates.

In his absence, the Bank's experienced management team will continue to provide 1st Capital Bank's high-quality brand of relationship banking and service. Executive Vice President and Chief Operating Officer, Mark Andino, has agreed to assume the additional responsibilities of interim President and Chief Executive Officer. Mr. Andino has been the Bank's Chief Operating Officer since October 24, 2012. Mr. Andino served previously as Executive Vice President, Chief Financial Officer and Chief Operating Officer for American Perspective Bank from 2006 through 2012, while also serving simultaneously as a Director for that bank from 2007 to 2011.

Mr. Rowden will be forever remembered for his entrepreneurial spirit and leadership at 1st Capital Bank, a business that is built on the strong foundation of its employees and has become his legacy.

Forward Looking Statements:

In addition to the historical information contained herein, this press release may contain certain "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and subject to the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995. The reader of this press release should understand that all such forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected. Factors that might cause such a difference include, among other matters, changes in interest rates; economic conditions including inflation and real estate values in California and the Bank's market areas; governmental regulation and legislation; credit quality; competition affecting the Bank's businesses generally; the risk of natural disasters and future catastrophic events including terrorist related incidents and other factors beyond the Bank's control; and factors discussed in the Bank's periodic reports under the Securities Exchange Act of 1934, as amended, on Forms 10-K, 10-Q and 8-K filed with the FDIC. The Bank does not undertake any obligation to publicly update or revise any of these forward-looking statements, whether to reflect new information, future events or otherwise, except as required by law.

Contact Information

Mark Andino
Interim President & CEO
(831) 264-4028

Jayme Fields
Chief Financial Officer
(831) 264-4011

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