Community West Bancshares · NASDAQ:CWBC
Community West Bancshares — Central Valley Community Bancorp — Investor Presentation (March 2012)
14 slides from Community West Bancshares's investor presentation, Mar 12, 2012
Slide 1: Central Valley Community Bancorp: Strong. Solid. Unchanging Values.
Central Valley Community Bancorp Strong. Solid. Unchanging Values. www.cvcb.com Daniel J. Doyle President & CEO David A. Kinross Senior Vice President, CFO 7100 N. Financial Drive, Suite 101 Fresno, CA 93720 559-298-1775
Slide 2: Forward Looking Statement
Forward Looking Statement Forward-looking Statements -- Certain matters discussed constitute forward- looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements contained herein that are not historical facts, such as statements regarding the Company
Slide 3: Corporate Overview
Corporate Overview • Established in 1979 / Holding Company Formed in 2000 • 16 Full-Service Branches plus Service/Support Center: – Fresno, Madera, Stanislaus, Merced, San Joaquin & Sacramento Counties • Primary Focus: Small & Medium sized business, professionals & agriculture • Banking Departments:
Slide 4: Central Valley Community Bank's Branch Map
Central Valley Community Bank’s Branch Map
Slide 5: 2011 Financial Highlights
2011 Financial Highlights • Market Share: – Fresno County: 4.29% – Madera County: 7.27% – Merced County: 0.79% – San Joaquin County: 1.63% – Sacramento County: 0.05% – Stanislaus County: 0.50%
Slide 6: Net Income (In Thousands)
9Lb'9$ troz 6Lz'e$ OT0z 6002 88g‘ts 6eT ‘Ss 8002 Net Income (In Thousands) 08z‘9$ 2002 TT6‘9$ 9002 au BE Central Valle’
Slide 7: Average Total Deposits (In Thousands)
Average Total Deposits (In Thousands)
Slide 8: Average Total Loans (In Thousands)
Average Total Loans (In Thousands)
Slide 9: 2011 Financial Highlights (Continued)
2011 Financial Highlights • Net Income = $6.477 million • Diluted EPS = $0.63 compared to 2010 diluted EPS = $0.31 • Net Interest Margin = 4.63% compared to 4.95% in 2010 • ROA = 0.81% and ROE = 6.26% • Total Cost of Funds = 0.39% • Decrease in Average Loans = 5.94% • Growth in Average Deposits = 6.
Slide 10: 2011 Non-Performing Assets (Net Charge Offs & Allowance For Loan Loss)
2011 Non-Performing Assets (Net Charge Offs & Allowance For Loan Loss)
Slide 11: Loan Portfolio at December 31, 2011
Loan Portfolio at December 31, 2011 Gross Loans = $427,395,000
Slide 12: Deposit Mix at December 31, 2011
Deposit Mix At December 31, 2011 Total Deposits: $712,986,000
Slide 13: Industry Sectors & Factors
Industry Sectors & Factors • Strength: – Agriculture – Food Processing – Transportation, Distribution – Healthcare – Population Growth – Exports – Less Expensive Land & Real Estate Costs – Seismic “Free” • Weakness: – Construction – Government – Manufacturing – Water – Education
Slide 14: Housing Starts (% of change)
Central Vall Community Bancorp Zz Housing Starts (% of change) 250.00% 200.00% 150.00% 100.00% 50.00% 0.00% -50.00% -100.00% — California —Fresno —Merced —Modesto —Sacramento —Stockton
Central Valley Community Bancorp — Investor Presentation (March 2012) on 6ix