First Quarter 2005
Earnings Call
NASDAQ: CCBI
April 25, 2005
Regulation FD
This presentation may include forward-looking statements related to the plans,
beliefs and goals of the Company, its subsidiaries, which involve certain risks
and uncertainties that could cause actual results to differ materially from those
in the forward-looking statements. Such risks and uncertainties include, but are
not limited to, the following factors: competitive pressure in the banking
industry; changes in the interest rate environment; the health of the economy,
either nationally or regionally; the deterioration of credit quality, which would
cause an increase in the provision for possible loan and lease losses; changes in
the regulatory environment; changes in business conditions, particularly in
California real estate; volatility of rate sensitive deposits; asset/liability matching
risks and liquidity risks; changes in the securities markets. The Company
undertakes no obligation to revise or publicly release any revision to these
forward-looking statements.
2
Highlights
3
Highlights
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TIMCOR Acquisition
Acquisition completed on February 17, 2005.
$370.2 mm in exchange balances of which $355.6 mm was on
deposit at the Bank at March 31, 2005.
$183.1 mm in average exchange balances during the first
quarter of 2005.
$374,000 in 1031 exchange fee income since the close of the
acquisition.
Full impact expected in second quarter 2005 earnings.
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Strong Earnings Performance
(1) AGR- Anuual Growth Rate 03/04 to 03/05
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Profitability Ratios
(1) AGR- Anuual Growth Rate 03/04 to 03/05
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Profitability Ratios
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Profitability Ratios
9
Profitability Ratios
10
Profitability Ratios
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Profitability Ratios
12
Balance Sheet Growth
13
Loan Originations Support
Balance Sheet Growth
14
Balance Sheet Growth
15
Loan Portfolio Mix
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Asset Quality of Real Estate Loans
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LTV and DCR of First Quarter 2005
Originations
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Multi-family
Loan to Value
66.3%
Debt Coverage Ratio
1.25:1
Commercial RE
Loan to Value
59.7%
Debt Coverage Ratio
1.64:1
Values are weighted average ratios, at origination
Adjustable Rate Lender
12 MAT
Prime
6 mo CMT
6 mo Libor
3 mo Libor
1 mo Libor
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Historical and Forecasted 12-MAT
12 MAT Calculation and Forecast Based upon Current Month Average of the 1yr CMT
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Investment Securities
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Changing Deposit Mix
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Bank Deposit Composition
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Capital Ratios
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Capital Ratios
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Bank Capital Ratio
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Operating Performance
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Operating Performance
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Operating Performance
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Operating Performance Ratios
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Operating Performance Ratios
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Earnings Performance
(1) AGR- Anuual Growth Rate 03/04 to 03/05
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First Quarter 2005
Earnings Call
NASDAQ: CCBI
April 25, 2005