1st Century Bancshares — Investor Presentation (May 2012)
24 slides from 1st Century Bancshares's investor presentation, May 21, 2012
Slide 1: Investor Presentation May 2012
Exhibit99.1 Investor Presentation May 2012 Alan. Rothenberg Chairman and Chief Executive Officer 4 Century Baneshares, Inc Jason P. DiNapoli President and Chief Operating Officer 4 Century Bancshares, Inc. D1) GANCSHARES "0 WU
Slide 2: Safe Harbor Statement
Safe Harbor Statement Certainmatters discussed in this presentationmay constitute forward-looking statements within themeaning of the Private Securities tigation Refom Act of 1995. You can findmany (but not all of these forward-looking statements by looking forwords suchas “approximates, "believes,”
Slide 3: 1st Century Bank
1st Century Bank At 18 Century Bank, it’s our passion and core values that make us truly unique. Our bankers take the banking services we provide personally, and are constantly identifying ways where we can add value to each relationship. ‘We truly get involved with understanding and partnering with
Slide 4: 1st Century Bank Profile
1st Century Bank Profile Attractive Market = Headquartered in Century City - West Los Angeles franchise = Strong demographics; $33 billion in total deposits", one of the largest concentrations ofcore deposits in the nation, surrounding zip codes: 90024, 90025, 90064, 90067, 90210, and 90401-5. Build
Slide 5: 2011 Highlights
2011 Highlights Achieved record levels in total assets, loans and deposits Improved pre-tax, pre-provision earnings by 69%resulting in net income of $1.0 million Growth in total assets from $308 million at December 31, 2010 to $405 million at December 31, 2011, representing anincrease of 31% Growth
Slide 6: 1st Century Bank Outlook
1st Century Bank Outlook » Continue to build 1t Century brand and reputation in our attractive core market - West Los Angeles « Buildupon growing base of customers with continued focus on small businesses and professionals « Strong capital base to help facilitate lending and strategic opportunities
Slide 7: Expand Market Share in West LA
Expand Market Share in West LA = 1% Century Bank is well positioned to become the dominant community bank focused on West Los Angeles = Strong Capital Base = Solid Base of Westside Clients = Management and Board are deeply rooted and actively involvedin the Westside community i" BANCSHARES We bring
Slide 8: Billion in Deposits on the Westside
eat Poyo, Del Rey’ fire Rancho Park $ sip Lite) 33 Billion In Deposits on the Westside - One of the largest concentrations of core deposits in the Nation. *Source: FLIC Summanyof Deposis as of ne 30,2011 D1)" GANCSHARES ° "us 0 HUN
Slide 9: Expand Market Share in West LA (con)
Expand Market Share in West LA (con) 1CB achieved a 1% Market Share in 2011 $35,000 $30,000 $25,000 $20,000 $15,000 $10,000 $5,000 & 2007 2008 2009 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 2010 2011 mmm Total Deposits §) m1 CBank Market Share (4) *Source: FLIC Summanyof Deposis as of ne 30,2011 BANCSHARE
Slide 10: West LA Market Share Leaders
Expand Market Share in West LA (con) West LA Market Share Leaders Market Market Bank share Bank Share 4. Gty Notional Bonk 26.52% 18. Frst Banks he 0.88% 2. Bankof America Cor 17.87% 18. Bank Leumi Le-trael BM 0.86% 3. Wells Fargo & Co 14.70% 20, Luther Burbank Com 084% 4. Fist Republic Bank 4.48% 2
Slide 11: Financial Overview
Financial Overview D1) GANCSHARES "0 WU
Slide 12: Asset Base
Asset Base Total Assets ($millions) 6.25-year CAGR = 17.03% (2006. 10 2012) $433 $405 $308 g2sg 8272 224 san § st62 | 2005 2006 2007 2008 2009 2010 2011 102012 Asset Composition {at March 31, 2012) Allother assets, cash& Cash 2% Equivalents Loans 56% 1°01). BAUCSHARES We bring the bank to you Wherev
Slide 13: Asset Quality
Asset Quality Non-Performing Assets to Non-Performing Loans to Total Assets Total Loans 4.00% 6.00% 5.00% 3.00% 4.00% 2.00% 3.00% 2.00% 1.00% 1.00% 0.00% 0.00% 2008 2009 2010 2011 2008 2009 2010 2011 mistCenturyBank mCA Peers* mistCenturyBank CA Peers’ * SNL Financial Data Report {CA banks wil asset
Slide 14: Earnings
Earnings $700 $600 $500 $400 $323 $300 $200 $123 $100 so 102011 ($thousands)) $592 ‘$608 $503 $432, $354 $354 $19 : 202011 302011 402011 10.2012 wNetincome m= Pre-taxiPre-provision BANCSHARES 1S AN We bring the bank to you Wherever that is. 12
Slide 15: Deposits - Expanding Core Deposit Base
Deposits - Expanding Core Deposit Base Total Deposits ($millions) DDA& NOW 6.25-year CAGR = 28.98% (2006 - 10 2012) $400 $350 $300 $250 $200 $150 $100 $5 Total Deposits 6.25-year CAGR = 21.42% (2006 - 10 2012) “lll 2005 2006 ©2007 2008 2009 2010 2011 10 2012 =DDA &NOW mTotal Deposits Deposit Composi
Slide 16: Deposit Trends
Deposit Trends Deposit Accounts & Types & Average Balance/Account ($thousands)) 274 2,893 2.233 1,710 1,199 430 Be et 319 439 70 764 91 i: |; 45 2005 ‘Average Balance $104 td .—— per Core Account $72 2009 ‘$62 =DDA&NOW = MMA &Savings = Customer CD's BANCSHARES We bring the bank to you Wherever that
Slide 17: Deposit Franchise
Deposit Franchise 40.00% 35.00% 30.00% 25.00% 20.00% 15.00% 10.00% 5.00% 0.00% Non Interest-Bearing Deposits to Total Deposits mistCenturyBank = CAPeers* 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% *SNL Financia Data Report (CA bank wi assets between 626040 8600milon) Cost of Funds mistCenturyBank CA Peers*
Slide 18: Balanced Loan Portfolio
Balanced Loan Portfolio Gross Loans ($millions) 6.25-year CAGR = 17.05% (2006 - 10 2012) $233 §230 s200 siz gy 2 st79 sie ste | 2005 2006 2007 2008 2009 2010 2011 10 Average ania: Loan Sie $547 $616 $006 $629 $610 $512 $558 $559 (thousands) Loan Composition (at March 31, 2012) Consumer Land& Other C
Slide 19: Allowance for Loan Loss to Total Loans
Allowance for Loan Loss to Total Loans 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 2008 2009 2010 2011 mistCenturyBank m= CAPeers* * SNL Financial Data Report {CA banks wil assets between $2500 8500milion) ty BANCSHARES We bring the bank to you Wherever that is. ras YOU NO v7
Slide 20: Well Capitalized
Well Capitalized Bank Capital Ratios (at December31, 2011} 20.00% 11.3% 16.0% 15.00% 10.5% 10.00% --- --- 5.00% == | === 0.00% Tier Leverage Ratio Tier 1 Risk-Based Capital Ratio Total Risk-Based CapitalRatio == S—— =] % to be categorized as well capitalized ‘We are continuing to put our capital str
Slide 21: Well Capitalized (cont)
Well Capitalized (cont) Total Risk-Based Capital Ratio 4** Quarter 2011" o 2 es S s a = ° a > =| a 2 ry Pd = S Fy o Fy =I = a Wilshire State Bankt** Mission Valley Bank™* American Business Bank ‘1st Century Bank First California Bank*** Citihank*™* Bank of America*** EastWestBank'** Private Bank of
Slide 22: As of March 31, 2012
As of March 31, 2012 = Repurchased shares: 1,697,971 = %of Shares Repurchased: 15.66% = Average Price Per Share: $4.11 = Discount to Book Value: 18.87% i" MTURY BANCSHARES We bring the bank to you Wherever that i. Es) nsw Lo
Slide 23: Why 1st Century Bancshares?
1st Century Bancshares, Inc. Why 1s Century Bancshares? Attractive market demographics Focused growth strategy = Expanded footprint in Westside Strong core deposit base and liquidity position Balanced loan portfolio, improving credit quality and strong loan loss reserves Well positioned to leverage
Slide 24: 1st Century Bancshares, Inc.
1st Century Bancshares, Inc. For further information, please contact any of the following team members. Alan|. Rothenberg Chairman & CEO. 310.270.9501 Jason DiNapoli President & COO. 310.270.9505 Bonnie Rubin EVP, Regional Director 310.270.9511 Rich Rothenberg Managing Director, BD 310.270.9508 Dave
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