1、17Directors and Executive Officers.17Bank Officers and Staff.18Message to Shareholders.19Business of the Bank.20Managements Discussion and Analysis.21Report of Independent Auditors.33Financial Statements.34Notes to Financial Statements.39Selected Financial Data.48Stock Price and Dividend Information
2、.48BANK OF MARIN2003 ANNUAL REPORTJudith OConnell Allen,Community volunteer,Chairman,Bank of MarinJames E.Deitz,President,Marin Business ServicesW.Robert Griswold,Jr.,President and CEO,Bank of MarinRay Hoffman,III,Proprietor,Hoffman Development Co.*Nancy R.Boatright,Vice President&Corp.Sec.,Bank of
3、MarinNorma J.Howard,Business consultantJ.Patrick Hunt,Partner,Hunt InvestmentsH.C.Jackson,Retired merchantJames D.Kirsner,Business consultant*Larry Klaustermeier,Sr.Exec.Vice President&CCO,Bank of Marin*M.Thomas LeMasters,Exec.Vice President&CFO,Bank of Marin*Patrick J.London,Exec.Vice President&Dir
4、ector of Investment Advisory&Trust Services,Bank of MarinStuart D.Lum,Partner,Veracast CommunicationsJoseph D.Martino,Retired bankerJames L.Placak,Sales Representative,CIGNAJoel Sklar,MD,Partner,Cardiology Assoc.of Marin&San FranciscoBrian M.Sobel,Partner,Sobel Communications*Alexandra E.Souza,Exec.
5、Vice President&CAO,Bank of MarinJ.Dietrich Stroeh,Partner,CSW/Stuber-Stroeh Engineering Group*These executive officers are not also directors.This annual report serves as the annual disclosure statement for the purposes of part 350 of the Federal DepositInsurance Corporation rules.It has not been re
6、viewed or confirmed for accuracy or relevance by the FDIC.TABLE OF CONTENTSDIRECTORS AND EXECUTIVE OFFICERS18BANK STAFFKate Albaugh,Asst.Vice PresidentSue Anderson,Vice PresidentMarshall Appleton,Asst.Vice PresidentGisela Bigden-Fisher,Vice PresidentBo Boero,Asst.Vice PresidentMichael Burke,Vice Pre