Community West Bancshares · NASDAQ:CWBC
Community West Bancshares — Non-Deal Roadshow (April 2025)
24 slides from Community West Bancshares's roadshow presentation, Apr 16, 2025
Slide 1: Investor Presentation Raymond James Roadshow April 8-9, 2025
Investor Presentation Raymond James Roadshow April 8-9, 2025 James J. Kim Community West Bancshares, Chief Executive Officer Community West Bank, President & Chief Executive Officer Shannon R. Livingston Community West Bancshares and Bank Executive Vice President, Chief Financial Officer Jeff M. Mar
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 sh James J. Kim Martin E. Plourd Shannon R. Livingston Dawn M. Cagle Chief Executive Officer, President, EVP, Chief Financial Officer, EVP, Chief Human Resource Officer, Community West Bancshares and Community West Bancshares Community West Bancshares ‘Community West Bank C
Slide 6: Company Overview & Financial Highlights
willl. | Company Overview & Financial Highlights
Slide 7: Overview
7 NASDAQ Symbol CWBC Market Capitalization $367.5 Million Institutional Ownership 51% 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: lew
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Slide 11: Attractive Investment Opportunity
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 P ri ce 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 T h o u s an d 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 P e rc e n t T h o u s an d s Net Interest I
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 T h o u s an d s AFS Securities HT
Slide 15: Deposits Overview
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 P e rc en
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 P e rc en t T h o u sa n d s Average Gross Loans Average Gros
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 P e rc e n t T h o u s an d s Non Performing Assets ALLL
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 P e rc e n t T h o u s an d 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 P e rc e n t T h o u s an d s Substandard Loans Sub Loans/Gross Loans
Slide 24: Bancshares
Bancshares
Community West Bancshares — Non-Deal Roadshow (April 2025) on 6ix