Santa Cruz County Bank reported unaudited earnings results for the fourth quarter and full year ended December 31, 2016. For the quarter, the company reported Net income of $1.84 million for the quarter. Net interest income of $5.6 million for the quarter ended December 31, 2016 was $232 thousand or 4% more than prior quarter and exceeded fourth quarter of 2015 by $626,000 or 13%. The improvement year over year of 12% or $2.3 million, was driven by a continued focus on building high quality earning assets through loan production. For the year, the company reported net income was $6,491,464 or $2.98 per diluted share compared to $5,433,780 or $2.53 per diluted share a year ago. Book value per share was $23.15 compared to $20.37 a year ago. Return on average assets was 1.17% against 1.09% a year ago. Return on average equity was 13.58% against 13.06% a year ago.