Community West Bancshares · NASDAQ:CWBC
Community West Bancshares — Janney CEO Forum 2025
24 slides from Community West Bancshares's conference presentation, Jan 29, 2025
Slide 1: Investor Presentation 2025 Janney CEO Forum
Investor Presentation 2025 Janney CEO Forum January 29-30, 2025 James J. Kim Community West Bancshares, Chief Executive Officer Community West Bank, President & Chief Executive Officer Martin E. Plourd Community West Bancshares, President Shannon R. Livingston Executive Vice President, Chief Financi
Slide 2: Forward-Looking Statements
Forward-Looking Statements 2 Certain matters discussed in this press release constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are forward-looking in nature and involve a number of risks and uncertainties. Such risks an
Slide 3: Mission and Values
Mission Inspire and empower our team to enrich and invest in every relationship by exceeding expectations. Values Teamwork Accountability Excellence Integrity Caring Inclusivity
Slide 4: Investing In Relationships
Slide 5: Executive Officers
Executive Officers din in cht James J. Kim Martin E. Plourd Shannon R. Livingston Patrick A. Luis Chief Executive Officer, President, EVP, Chief Financial Officer, EVP, Chief Credit Officer, Community West Bancshares and ‘Community West Bancshares Community West Bancshares ‘Community West Bancshares
Slide 6: Company Overview & Financial Highlights
Bl | Company Overview & Financial Highlights
Slide 7: Overview
7 NASDAQ Symbol CWBC Market Capitalization $367.5 Million Institutional Ownership 49% Insider Ownership 12% Total Assets $3.5 Billion Headquarters Fresno, CA # of Banking Centers 26 Year Established 1980 Strategic Footprint Central California As of December 31, 2024 Overview
Slide 8: Financial Highlights – Fourth Quarter 2024
8 Financial Highlights – Second Quarter 2024Financial Highlights – Fourth Quarter 2024
Slide 9: Financial Highlights
9 2024 2023 2022 Total Assets $3.52 Billion $2.43 Billion $2.42 Billion Net Income $7.67 Million $25.54 Million $26.65 Million Diluted EPS $0.45 $2.17 $2.27 Net Interest Margin 3.76% 3.58% 3.52% ROAA 0.24% 1.04% 1.09% ROAE 2.42% 13.81% 14.25% Cash Dividends per share $0.48 $0.48 $0.48 Total Loan Yie
Slide 10: Stock & Earnings Overview
Stock & Earnings Overview
Slide 11: CWBC Stock Price
0 5 10 15 20 25 30 1/1/2016 1/1/2017 1/1/2018 1/1/2019 1/1/2020 1/1/2021 1/1/2022 1/1/2023 1/1/2024 1/1/2025 Pr ic e CWBC Stock Price CAGR = 7.76% 11 As of December 31, 2024 Source: NASDAQ Monthly Closing Price Data Attractive Investment Opportunity Dividend Yield – 2.48%
Slide 12: Growing Franchise
12 Growing Franchise CAGR = 15.18% 1,574,089 1,832,987 2,267,615 2,439,394 2,460,358 3,190,361 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 2019 2020 2021 2022 2023 2024 Th ou sa nd s Average Total Assets
Slide 13: Strong Net Interest Income and NIM
13 Strong Net Interest Income and NIM 64,116 64,946 74,044 81,341 83,918 111,824 4.51 3.87 3.54 3.52 3.58 3.76 0.00 1.00 2.00 3.00 4.00 5.00 6.00 25,000 35,000 45,000 55,000 65,000 75,000 85,000 95,000 105,000 115,000 125,000 2019 2020 2021 2022 2023 2024 Pe rc en t Th ou sa nd s Net Interest Income
Slide 14: Investment Portfolio
15 Investment Portfolio 470,746 710,092 1,109,208 648,825 597,196 477,113 305,107 302,442 301,359 3.11% 2.61% 2.31% 2.51% 3.00% 2.99% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 0 200,000 400,000 600,000 800,000 1,000,000 1,200,000 2019 2020 2021 2022 2023 2024 Th ou sa nd s AFS Securities HTM S
Slide 15: Deposits Overview
Slide 16: Deposit Mix
17 Deposit Mix Non-Interest Bearing 34% Now/Savings 22% Money Market 29% TCDs 15% As of December 31, 2024 Total Deposits = $2.9 Billion
Slide 17: Average Deposits and Average Cost of Deposits
18 Average Deposits and Average Cost of Deposits CAGR = 15.43% 1,295,780 1,568,194 1,974,576 2,156,092 2,155,241 2,655,928 0.15 0.09 0.05 0.06 0.72 1.53 - 0.20 0.40 0.60 0.80 1.00 1.20 1.40 1.60 1.80 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 2019 2020 2021 2022 2023 2024 Pe rc en t
Slide 18: Lending Overview
Lending Overview
Slide 19: Well Diversified Loan Portfolio
20 Well Diversified Loan Portfolio Commercial & Industrial, 6% Agriculture Production & Land, 8% Owner Occupied Real Estate, 14% Construction & other land loans, 3% Non-Owner Occupied Commerical Real Estate, 39% Multi-family residential, 6% 1-4 family, 7% Manufactured housing, 14% Other consumer, 4%
Slide 20: Average Loan Totals & Yield
21 Average Loan Totals & Yield CAGR = 16.36% 928,560 1,053,450 1,067,316 1,133,461 1,263,226 1,980,807 5.54 4.94 5.07 4.93 5.53 6.58 3 3.5 4 4.5 5 5.5 6 6.5 7 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 2019 2020 2021 2022 2023 2024 Pe rc en t Th ou sa nd s Average Gross Loans Loan Yield
Slide 21: Non-Performing Assets & Allowance for Loan Losses
22 Non-Performing Assets & Allowance for Loan Losses 1,693 3,278 946 0 0 6,461 0.97 1.17 0.92 0.86 1.14 1.11 0.30 0.40 0.50 0.60 0.70 0.80 0.90 1.00 1.10 1.20 1.30 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 2019 2020 2021 2022 2023 2024 Pe rc en t Th ou sa nd s Non Performing Assets ALLL/Loan
Slide 22: Special Mention Loans
23 Special Mention Loans 28,183 36,406 40,845 31,024 9,000 17,384 2.99 3.30 3.93 2.47 0.70 0.74 - 1.00 2.00 3.00 4.00 5.00 6.00 - 10,000 20,000 30,000 40,000 50,000 2019 2020 2021 2022 2023 2024 Pe rc en t Th ou sa nd s Special Mention Loans SM Loans/Gross Loans
Slide 23: Substandard Loans
24 Substandard Loans 33,838 36,136 8,540 27,783 20,301 44,294 3.59 3.28 0.82 2.21 1.57 1.90 - 1.00 2.00 3.00 4.00 5.00 6.00 - 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 50,000 2019 2020 2021 2022 2023 2024 Pe rc en t Th ou sa nd s Substandard Loans Sub Loans/Gross Loans
Slide 24: Community West Bancshares
Bancshares