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SAN DIEGO--([ BUSINESS WIRE ])--San Diego Trust Bank (OTC: SDBK), one of the most consistently profitable banks in the State, reported a record 30th consecutive quarterly profit today. Net Income for the recently completed quarter totaled $484 thousand compared to $302 thousand for the same period last year, representing a 60% increase in earnings. The Bankas earnings were 100% acore earningsa and did not include any release of loan loss reserves back into income.

"The tremendous efforts of our entire team combined with our proven ability to adapt to the economic realities of todayas marketplace has enabled our organization to continue to outperform"

Despite the lack of quality loan demand and increasing regulatory costs, managementas proven ability to control overhead expenses coupled with its expertise in the fixed-income markets have enabled the Bank to consistently report increased earnings quarter after quarter, year after year. San Diego Trust Bank is the only community bank in the county to post a profit each and every quarter for the past 7 years.

Total Assets reached $218.4 million as of 3/31/12 compared to $202.2 million as of 3/31/11, representing an 8% increase from the prior yearas figures, as more and more San Diegans sought to align themselves with one of the most well-capitalized and consistently profitable banks in all of California. Total Deposits increased 6% from a year ago and stood at $173.5 million as of 3/31/12, compared to $163.6 million as of 3/31/11. Core deposits (non-interest bearing DDA and MM accounts) represented 95% of all deposits as of 3/31/12. The Bank has never held any abrokereda deposits.

aWe are thrilled to once again report such strong results to our loyal shareholders, despite the many challenges brought on by the tepid economic recovery and historically low interest rates,a commented Michael Perry, Chairman, President and CEO. aThe tremendous efforts of our entire team combined with our proven ability to adapt to the economic realities of todayas marketplace has enabled our organization to continue to outperform,a added Perry. aOur consistently strong earnings, exceptional capital base, and tremendous liquidity have positioned us to capitalize on opportunities in the local market and gain valuable market share as more and more community banks in San Diego sell or are merged out of existence,a concluded Perry.

The Bankas consistently strong performance has not gone unnoticed. This month, The Findley Reports, one of the most respected and well known bank research and rating firms, designated San Diego Trust Bank a aPremier Performing Banka based on its analysis of 2011 financial results. This rating places San Diego Trust amongst the very best in its industry relative to asafety, strength, and performancea according to Findley. This marks the seventh consecutive year that San Diego Trust has been recognized by the Findley Companies for its exceptional performance.

Asset quality at the Bank remains exceptional with zero past due or non-accrual loans reported as of March 31, 2012. Liquidity, defined as cash, due from banks, and investment securities, was a record $171.4 Million as of 3/31/12.

As of March 31, 2012 the Bankas Total Risk Based Capital ratio of 26.28% was among the highest in the nation for banks of similar size, and more than twice the amount needed to be considered awell-capitalizeda by regulatory definition. San Diego Trust Bank has never applied for any tax-payer funded government assistance.

The Bankas actual capital ratios as of March 31, 2012 are summarized as follows:

Founded by several of San Diegoas most respected banking veterans and business leaders, San Diego Trust Bank is dedicated to the timeless principles of superior local market knowledge, unparalleled service, and building exceptional shareholder value. With over four hundred years of experience in banking San Diegans, timely local decision making, and one of the most comprehensive product lines found in the market today, San Diego Trust Bank delivers aPerformance You Can Trust.a

San Diego Trust Bank common stock is traded on the Over-the-Counter Exchange under the symbol aSDBKa. For information on the companyas stock please contact our primary market maker, Mr. Richard Levenson, President of Western Financial Corporation at (619) 544-0260.

For more information on the Bank please visit [ www.sandiegotrust.com ] or call (619) 525-1700.

For bank rating information please refer to [ www.bauerfinancial.com ].

FORWARD LOOKING STATEMENTS

Statements concerning future performance, developments or events, expectations for growth and income forecasts, and any other guidance on future periods, constitute forward-looking statements that are subject to a number of risks and uncertainties. Actual results may differ materially from stated expectations. Specific factors include, but are not limited to, loan production, balance sheet management, expanded net interest margin, the ability to control costs and expenses, interest rate changes and financial policies of the United States government and general economic conditions. The Bank disclaims any obligation to update any such factors or to publicly announce the results of any revisions to any forward-looking statements contained herein to reflect future events or developments.