Company Profile 

• Historical Perspective
• Our Mission
• Our Values
• North Valley Bancorp Board of Directors
• North Valley Bank Board of Directors
• Leadership
• North Valley Bank
• North Valley Bank Business Bank

Historical Perspective

North Valley Bancorp (NASDAQ: NOVB) is the parent company for North Valley Bank. In its more than 35 years of operations, North Valley Bank has become the largest community bank in Shasta and Trinity Counties. In 2000, that market was expanded by the acquisition of Six Rivers Bank, which serves Del Norte, Humboldt, and Mendocino Counties. In August of 2004, this five-county area was again expanded when North Valley Bank acquired Yolo Community Bank, adding locations in Roseville and Woodland. Ukiah and Santa Rosa followed in April 2005.  Currently, North Valley Bank has 24 banking locations throughout Northern California.

As North Valley Bank continues to grow, we understand that our growth depends on creating synergy by partnering with families, businesses, and communities. We are committed to achieve that end, and the result is a financial institution that not only models financial strength, but also enjoys a depth of customer loyalty that is rare in today's financial environment.

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Our Mission

• DEVELOP strong, mutually beneficial relationships with our customers.
• PROVIDE outstanding customer service in the delivery of competitive, innovative financial services and products.
• CREATE an environment that provides opportunities for personal and professional growth.
• Continue to ACHIEVE consistent superior-to-peer investment returns for our shareholders.
• Be a positive corporate citizen – CONTRIBUTE human and financial resources to a variety of worthwhile community activities.

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Our Values

• Profitability enables us to be an innovative service provider, ensuring the long term health and growth of our company.
• We create and deliver the highest value of products and services to our customers.
• We hire great people with outstanding values.
• Our people conduct business using the highest standards of ethics, integrity and professionalism.
• We play a leading role in the growth and betterment of our communities.
• We promote a dynamic work environment that fosters continual learning and embraces change.

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North Valley Bancorp Board of Directors 

Michael J. Cushman, President and Chief Executive Officer, North Valley Bancorp
Martin A. Mariani, Partner at Mariani Nut Co. and M&L Fruit Company
Kevin D. Hartwick, Certified Public Accountant and Partner, Cholwell. Benz and Hartwick
Dan W. Ghidinelli, Certified Public Accountant and Partner, Nystrom and Company
J.M. “Mike” Wells, Jr., Chairman, Retired Attorney/Legal Counsel
Royce L. Friesen, RPh., Chairman and Owner, Owens Healthcare
William W. Cox, Retired Broker & Real Estate Consultant
Dolores M. Vellutini, Businesswoman and Developer
Roger B. Kohlmeier, Retired Investor, Member/Part Owner, Turn of the Century, LLC

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North Valley Bank Board of Directors 

Michael J. Cushman, President and Chief Executive Officer, North Valley Bancorp
Martin A. Mariani, Partner at Mariani Nut Co. and M&L Fruit Company
Kevin D. Hartwick, Certified Public Accountant and Partner, Cholwell. Benz and Hartwick
Dan W. Ghidinelli, Certified Public Accountant and Partner, Nystrom and Company
J.M. “Mike” Wells, Jr., Retired Attorney/Legal Counsel
Royce L. Friesen, RPh., Chairman and Owner, Owens Healthcare
William W. Cox, Retired Broker & Real Estate Consultant
Dolores M. Vellutini, Businesswoman and Developer
Roger B. Kohlmeier, Retired Investor, Member/Part Owner, Turn of the Century, LLC

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Leadership 

EXECUTIVE TEAM

Michael J. Cushman, President and Chief Executive Officer
Kevin R. Watson, Executive Vice President and Chief Financial Officer
Scott R. Louis, Executive Vice President and Chief Operating Officer
Roger D. Nash, Executive Vice President and Chief Credit Officer
Gary S. Litzsinger, Executive Vice President and Chief Risk Officer

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ADMINISTRATION

300 Park Marina Circle
Redding, CA 96001
(530) 226-2900

Leo J. Graham, General Counsel and Corporate Secretary
Sharon L. Benson, Senior Vice President and Director of Accounting
Jack R. Richter, Senior Vice President and Credit Administrator
Sherry Johnson, Senior Vice President and Credit Administrator
Dennis J. Maderios, Senior Vice President and Human Resources Director
Dena M. Rothmann, Senior Vice President and Branch Administrator
Diana L. Garside, Vice President and Compliance Officer
Julie King, Vice President and Operations Compliance Manager
Jason Luther, Vice President and Audit Manager
Margie A. West, Vice President and Corporate Operations Administrator
Susan L. Ogden, Vice President and Security Officer
Sandra F. Blalock, Vice President and Marketing Director
Janell B. Morgan, Vice President, Product and Sales Manager
De Ann L. Young, Vice President and Corporate Operations Officer

INFORMATION TECHNOLOGY CENTER

CUSTOMER RESOURCE CENTER

INVESTMENT SERVICES

REAL ESTATE CENTER

BUSINESS SERVICES

Barbara Cogle, Vice President and Manager
1844 Park Marina Drive
Redding, CA 96001
(530) 226-2933
Fax (530) 247-7533

COTTONWOOD
Cheri Skudlarek, Assistant Vice President and Branch Manager
(In Holiday Market)
20635 Gas Point Road
Cottonwood, CA 96022
(530) 226-2967
Fax (530) 347-0660

CRESCENT CITY
Karen Lyon, Assistant Vice President and Branch Manager
1492 Northcrest Drive
Crescent City, CA 95531
(707) 465-8900
Fax (530) 465-5984

EUREKA MALL
Kristina J. Lewis, Vice President and Branch Manager
838 W. Harris
Eureka, CA 95503
(707) 443-8488
Fax (707) 445-8898

FERNDALE
Helene E. Nicholson, Assistant Vice President and Branch Manager
394 Main Street
Ferndale, CA 95536
(707) 786-9522
Fax (707) 786-9092

GARBERVILLE
Tammy S. Harrison, Assistant Vice President and Branch Manager
793 Redwood Drive
Garberville, CA 95542
(707) 923-2152
Fax (707) 923-9113

HAYFORK
Charlene A. Ganzer, Assistant Vice President and Branch Manager
7061 State Highway 3
Hayfork, CA 96041
(530) 628-5215
Fax (530) 628-5799

MCKINLEYVILLE
Shannon Maciel, Assistant Vice President and Branch Manager
1640 Central Avenue
McKinleyville, CA 95519
(707) 839-8400
Fax (707) 839-8061

PALO CEDRO
Theresa Hartline, Operations Manager
9334-A Deschutes Road
Palo Cedro, CA 96073
(530) 547-5715
Fax (530) 547-1158

REDDING
BUENAVENTURA
Denise Hedrick, Assistant Vice President and Branch Manager
(In Holiday Market)
3315 Placer Street
Redding, CA 96001
(530) 226-2959
Fax (530) 246-7105

REDDING
CHURN CREEK
Darla Carrillo, Assistant Vice President and Branch Manager
2245 Churn Creek Road
Redding, CA 96002
(530) 226-2952
Fax (530) 221-5124

REDDING
COUNTRY CLUB
Lisa Geraci, Assistant Vice President and Branch Manager
2930 Bechelli Lane
Redding, CA 96002
(530) 226-2940
Fax (530) 223-0936

REDDING
ENTERPRISE
Cheryl K. Hall, Vice President and Branch Manager
880 E. Cypress Avenue
Redding, CA 96002
(530) 226-2962
Fax (530) 221-2751

REDDING
SOUTH STREET
Kim Price, Vice President and Branch Manager
1327 South Street
Redding, CA 96001
(530) 226-2920
Fax (530) 243-7835

REDDING
WESTWOOD
Jennifer McDaniel, Assistant Vice President and Branch Manager
6392-J Westside Road
Redding, CA 96001
(530) 226-2956
Fax (530) 244-2845

SHASTA LAKE
Candis L. Vaughan, Vice President and Branch Manager
4715 Shasta Dam Boulevard
Shasta Lake, CA 96019
(530) 226-2977
Fax (530) 275-8360

WEAVERVILLE
Candy L. Levengood, Vice President and Branch Manager
595 Main Street
Weaverville, CA 96093
(530) 623-5521
Fax (530) 945-7541

WILLITS
Carol Jarvis, Assistant Vice President and Branch Manager
255 S. Main Street
Willits, CA 95490
(707) 459-5581
Fax (707) 459-2857

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Lori Baxter, Senior Vice President and Business Banking Manager
John B. Johnson, Vice President and Business Banking Officer
Glenn R. Huffaker, Vice President and Business Banking Officer

EUREKA DOWNTOWN AND BUSINESS BANKING CENTER

H. Russell Harris, Senior Vice President and Business Banking Officer
Kristina J. Lewis, Vice President and Branch Manager
David Sharp, Assistant Vice President and Commercial Loan Officer 

WOODLAND - REGIONAL HEADQUARTERS
630 Main Street
Woodland, CA 95695
(530) 668-5800
Fax (530) 666-1855

Linda Konietzko, Vice President and Branch Manager
Cyndi Blickle, Vice President and Premier Client Manager
Jerald (Jerry) L. Ricketts, Senior Vice President and Commercial Loan Officer

ROSEVILLE
378 N. Sunrise Blvd., Suite 100
Roseville, CA 95661
(916) 783-2900
Fax (916) 783-2086

Alejandra Tkach, Assistant Vice President and Branch Manager
Gretchen Eischen, Vice President and Business Development Officer

SANTA ROSA- REGIONAL HEADQUARTERS
100 B. Street, Suite 110
Santa Rosa, CA 95401
(707) 522-5480
Fax (707) 522-0125

David Brown, Regional President
Kevin Gross, Senior Vice President and Commercial Loan Officer
Chris Roach, Senior Vice President and Commercial Loan Officer

UKIAH
101 North State Street
Ukiah, CA 95482
(707) 467-2280
Fax (707) 462-9840

Donna M. Gradek, Vice President and Branch Manager

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