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Exhibit 99.1 
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CU Bancorp
Investor Presentation
as of December 31, 2013
… a better banking experience
Forward-Looking Statements
This presentation contains forward-looking statements about CU Bancorp (the “Company”) for which the Company claims the protection of the safe harbor provisions contained in the Private Securities Litigation Reform Act of 1995, including forward-looking statements relating to the Company’s current business plan and expectations regarding future operating results. Forward-looking statements are based on management’s knowledge and belief as of today and include information concerning the Company’s possible or assumed future financial condition, and its results of operations, business and earnings outlook. These forward-looking statements are subject to risks and uncertainties. A number of factors, some of which are beyond the Company’s ability to control or predict, could cause future results to differ materially from those contemplated by such forward-looking statements. These factors include (1) difficult and adverse conditions in the global and domestic capital and credit markets and the state of California, (2) significant costs or changes in business practices required by new banking laws or regulations such as those related to Basel III, (3) weakness in general business and economic conditions, which may affect, among other things, the level of growth, income, non-performing assets, charge-offs and provision expense, (4) changes in market rates and prices which may adversely impact the value of financial products, (5) changes in the interest rate environment and market liquidity which may reduce interest margins and impact funding sources, (6) competition in the Company’s markets, (7) changes in the financial performance and/or condition of the Company’s borrowers, (8) increases in Federal Deposit Insurance Corporation premiums due to market developments and regulatory changes, (9) earthquake, fire, pandemic or other natural disasters, (10) changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or regulatory agencies, (11) international instability, downgrading or defaults on sovereign debt, including that of the United States of America or increased oil prices, (12) additional downgrades of securities issued by U.S. government sponsored or supported entities such as Fannie Mae and Freddie Mac, (13) the impact of the Dodd-Frank Act, (14) the effect of U.S. federal government debt, budget and tax matters, (15) changes in the level of early payoffs on acquired loans and the amount of fair value discount on these loans recognized each quarter, and (16) the success of the Company at managing the risks involved in the foregoing. Forward-looking statements speak only as of the date they are made, and the Company does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the statements are made, or to update earnings guidance, including the factors that influence earnings. For a more complete discussion of these risks and uncertainties, see CU Bancorp’s reports on Form 10-K and 10-Q as filed with the Securities and Exchange Commission and the Company’s press releases.
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Investment Highlights………………………….……… 4
Earnings Review……………………………………….13
Appendix… 22
Investment Highlights
Premier community-based business banking franchise serving large and diverse market Strong organic loan growth Attractive low-cost core deposit base Exceptional credit quality Growing visibility in the investment community
Premier Business Banking Franchise
$1.4 billion in assets, achieved by experienced management team* in eight years, through organic growth and two successful acquisitions
14th largest publicly-owned bank by assets in combined Los Angeles, Orange and Ventura counties 268th largest publicly-owned bank by assets in U.S.
Asset CAGR of 39% since inception in 2005 through 12/31/13
Footprint includes eight branches covering L.A., Orange and Ventura counties
*See appendix for management experience
Sophisticated Relationship Management Team offers Solutions for Small- and Medium-Sized Businesses
Sophisticated relationship management team offers personalized and responsive service focused on small- and medium-sized businesses in Los Angeles, Orange and Ventura counties
Los Angeles County is the largest manufacturing center in the U.S. and would be 9th largest state in U.S.
L.A. County expected to add more than 150,000 jobs over the next two years; current unemployment rate of 9.2% projected to fall to 7.2% by end of 2015*
Orange County would be 31st largest state in U.S.
Orange County unemployment rate is 5.2% as of December 31, 2013**
Three-county area is home to more than 532,000 small- and middle-market business** (defined as employing 1 to 499 workers)
*Source: Forecast by Beacon Economics, February 2014
**Source: Los Angeles Economic Development Corporation and California EDD, as of 2012
Franchise Growth Strategies
Organic Growth
Offer expertise in C&I and commercial real estate lending to small and middle-market businesses
Provide customers with sophisticated products and solutions
Leverage relationship-based banking approach and superior service
Grow SBA lending platform expertise acquired in recent acquisition
Continue recruiting “in market” talent from competitors
Growth by Acquisition
Strong management team experienced with successful, accretive acquisitions
California Oaks State Bank (12/31/10) Premier Commercial Bank (7/31/12)
Strategic Geographic Locations
CUB Branch
Former COSB Branch Former PCB Branch
California United Bank has a footprint that spans the most attractive markets in Southern California:
Encino (2005) – Headquarters Los Angeles (2006)
Santa Clarita Valley (2007)
South Bay (2009) – Converted to a branch in 2010
Orange County (2010) – Loan Production Office*
Simi Valley (2010) – Acquired from California Oaks State Bank
Thousand Oaks (2010) – Acquired from California Oaks State Bank
Anaheim (2012) – Acquired from Premier Commercial Bank
Irvine/Newport Beach (2012) – Acquired from Premier Commercial Bank*
*New combined location (August 2013)
Strong Organic Loan Growth
CUB lenders’ expertise allows the Bank to underwrite more complex loans than similar sized peers, while providing better service than larger banks
Total loans grew 9.2% in 2013 to $933 million
Total loans grew 2.6% from 3Q13 to 4Q13, 10.4% annualized rate
53% of total loans are commercial and industrial loans, and owner-occupied nonresidential properties—relationship-based “sticky” accounts Since inception in 2005 loan portfolio has grown to $933 million
$568 million in net organic loan growth, $365 million in loans from two acquisitions
Annual Loan Growth
$1,000
$800
$600
$400
$200
$0
2005 2006 2007 2008 2009 2010 2011 2012 2013
CUB Organic Acquisitions
Multi-FamilyPortfolio Composition
4%
Other
1-4 Family 2%
Construction 7%
5%
Non-Owner
Occupied CRE
29% Owner-
Occupied CRE
21%
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Attractive Low Cost Deposit Base
Total deposits of $1.23 billion
Up $154 million or 14.3% from 4Q12 to 4Q13
Up $56 million or 4.8% from 3Q13 to 4Q13, 19.2% annualized rate Cost of deposits was 0.12% in 4Q13
Non-interest bearing deposits of $632 million
51% of total deposits
Up 16.3% from 2012 to 2013
Up 3.7% from 3Q13 to 4Q13, 14.8% annualized rate
Annual Total Deposit Growth
$1,400
$1,200
$1,000
$800
$600
$400
$200
$0
2005 2006 2007 2008 2009 2010 2011 2012 2013
CUB Organic Acquisitions
Deposit Composition
CDs, 5%
MM and
Savings, 31%
Non-Int.
Bearing
Demand, 51%
Interest
Bearing
Transaction,
13%
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Strong Credit Quality Trend Continues
CUB credit quality at December 31, 2013:
Total nonaccrual loans of $9.6 million or 1.02% of total loans
83% of nonaccrual loans were acquired loans marked-to-market at the time of acquisition Excluding acquired loans, total nonaccrual loans were $1.7 million or 0.18% of total loans
NPAs to total assets of 0.68%
No REO properties at 12/31/13
Charge-offs were 0.12% of average loans in 2013
NPAs to total assets
6.00%
4.94%
5.00%
4.19%
4.00%
3.06%
3.00% 2.41% 2.31%
1.89%
2.00% 1.42%
1.12% 1.19% 1.09%
1.00% 0.68%
0.00%
0.00%
2008 2009 2010 2011 2012 2013
CUB Peer Group Avg.
Net charge-offs
2.50% 2.20%
2.00%
1.50%
1.50% 1.38%
0.94%
1.00% 0.80% 0.82%
0.49%
0.50% 0.21%
0.00% 0.08% 0.12%
0.00% -0.04%
2008 2009 2010 2011 2012 2013
-0.50%
CUB Peer Group Avg.
Peer group includes California banks or bank holding companies with total assets between $1.0-2.0 billion; source: SNL.
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Growing Visibility in the Investment Community
Surpassed $1 billion in assets in July 2012
Transferred listing to Nasdaq Capital Market in October 2012 (CUNB)
31.3% institutional ownership per 4Q13 13-f filings 11.1 million shares outstanding at 12/31/13 $200 million market cap at 2/25/13
Added to Russell Indexes in June 2013
Added to Russell Index
Trailing 12-month performance vs. Nasdaq Composite Index, Nasdaq
Bank Index and Russell 2000 Index
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Earnings Review
FY 2013 and 4Q13 Results
13
2013 Highlights
Core earnings* increase to $17.6 million from $8.4 million
Up 111% over 2012
Solid loan growth of 9.2%
$137 million in net organic loan growth
Offset by $59 million in loan run-off from acquired portfolios
High quality deposit growth
16.3% growth in non-interest bearing demand deposits
Ramp-up in SBA lending
Gain on sale of SBA loans rises to $1.1 million from $50 thousand last year
Continued strong credit quality
NCOs of 0.12% of average loans
Four consecutive quarters of record earnings in 2013
* A non-GAAP financial measure that calculates the Company’s ability to generate profit despite non-recurring items such as merger expenses and provision for loan losses with the ebbs and flows of commercial lending. This calculation adds back the Company’s provision for tax expense and subtracts gain on sale and other-than-temporary losses, net.
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Snapshot of Income Statement
for Full Year Ended 2013
$ in thousands, except per share data
Income Statement 2013 2012 % change
EPS Diluted $0.90 $0.21 329%
Net income 9,785 1,727 467%
Core earnings* 17,641 8,373 111%
Net Interest income 48,767 35,699 37%
Non-interest income 6,518 3,961 65%
Gain on sale of SBA loans 1,087 50 2074%
Non-interest expense 37,640 34,500 9%
Provision for loan losses 2,852 1,768 61%
* A non-GAAP financial measure that calculates the Company’s ability to generate profit despite non-recurring items such as merger expenses and provision for loan losses
with the ebbs and flows of commercial lending. This calculation adds back the Company’s provision for tax expense and subtracts gain on sale and other-than-temporary
losses, net.
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Improving Operating Leverage
Revenue Operating Expenses
$15
$14
$13
(millions) $12
in
$ $11
$10
$9
$8
$7
$6
2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13
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Snapshot of Balance Sheet
Year End 2013 vs. 2012
Year over year: assets up 13%, total loans up 9%, total deposits up 14%
$ in thousands
Balance Sheet 2013 2012 % change
Assets $1,407,816 $1,249,637 12.7%
Total loans 933,194 854,885 9.2%
Total deposits 1,232,423 1,078,076 14.3%
Non-interest bearing demand deposits* 632,192 543,527 16.3%
Shareholders’ Equity 137,924 125,623 9.8%
*Non-interest bearing deposits now account for 51% of total deposits
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Snapshot of Performance Ratios
for Full Year 2013
Performance Ratios 2013 2012 % change
Net interest margin 3.96% 3.63% 9.1%
ROAA 0.74% 0.17% 335.3%
ROAE 7.5% 1.7% 341.2%
Efficiency Ratio 68% 87% -21.8%
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Snapshot of Income Statement and
Balance Sheet at 4Q12, 4Q13 and 3Q12
$ in thousands, except per share data
% change % change
from from
4Q12 4Q13 4Q12 3Q13 4Q13 3Q13
Income Statement
EPS—Diluted $0.15 $0.26 73.3% $0.23 $0.26 13.0%
Net income 1,628 2,832 74.0% 2,477 2,832 14.3%
Core earnings* 3,929 4,611 17.4% 4,347 4,611 6.1%
Net Interest income 11,761 12,343 5.0% 12,306 12,343 0.3%
Non-interest income 1,402 1,931 37.7% 1,471 1,931 31.2%
Gain on sale of SBA loans 50 414 728.0% 263 414 57.4%
Non-interest expense 9,502 9,620 1.2% 9,430 9,620 2.0%
Provision for loan losses 867 934 7.7% 631 934 48.0%
Balance Sheet
Assets $1,249,637 $1,407,816 12.7% $1,346,387 $1,407,816 4.6%
Total loans 854,885 933,194 9.2% 909,642 933,194 2.6%
Total deposits 1,078,076 1,232,423 14.3% 1,176,349 1,232,423 4.8%
Non-interest bearing DDA 543,527 632,192 16.3% 609,607 632,192 3.7%
* A non-GAAP financial measure that calculates the Company’s ability to generate profit despite non-recurring items such as merger
expenses and provision for loan losses with the ebbs and flows of commercial lending. This calculation adds back the Company’s
provision for tax expense and subtracts gain on sale and other-than-temporary losses, net.
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Snapshot of Shares Outstanding, Market Cap and
Tangible Book Value, Year End 2013 vs. 2012
Shares Outstanding & Market Cap 2013 2012 % change
Share price $17.48 $11.71 49.3%
Market cap $193,702,243 $125,984,073 53.8%
Diluted average shares outstanding 10,837,000 8,411,000 28.8%
Common shares issued and outstanding 11,081,364 10,758,674 3.0%
Tangible book value $11.11 $10.37 7.1%
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CU Bancorp and California United Bank Remain
Well Capitalized by all Regulatory Ratios
Regulatory Ratios 2013 2012 % change
California United Bank
Tier 1 Leverage 8.90% 8.55% 4.1%
Tier 1 Risk-based Capital 10.99% 10.72% 2.5%
Total Risk-based Capital 11.96% 11.61% 3.0%
CU Bancorp
Tier 1 Leverage 9.57% 9.13% 4.8%
Tier 1 Risk-based Capital 11.84% 11.46% 3.3%
Total Risk-based Capital 12.80% 12.35% 3.6%
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Appendix
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Experienced Management Team
Name Title Functional Banking Exp CUB Tenure
David Rainer President Chief Executive Officer 33 years 8 years
Chief Operating Officer and Chief Credit
Anne Williams EVP Officer 33 years 8 years
Karen Schoenbaum EVP Chief Financial Officer 20 years 4 years
Chief Administrative Officer and General
Anita Wolman EVP Counsel 36 years 8 years
Executive Manager – Commercial and Private
Sam Kunianski EVP Banking 29 years 7 years
Executive Manager – Real Estate and Santa
William Sloan EVP Clarita Regional Manager 29 years 8 years
Executive Manager – SBA and Orange County
Stephen Pihl EVP Regional Manager 26 years 1 year*
*Formerly EVP at Premier Commercial Bank, N.A.
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Shareholders of CUB Acquisitions Have
Been Well Rewarded
California Oaks State Bank (COSB) – Acquisition announced August 25, 2010
Premier Commercial Bancorp (PCBP) – Acquisition announced December 9, 2011
$20.00 $20.00
$18.00 $18.00
CUNB
$16.00 3/4/14 $16.00 CUNB
$18.28 3/4/14
$14.00 $14.00 $18.28
$12.00 $12.00
$10.00 $10.00
$8.00 $8.00
PCBP
$6.00 $6.00 12/8/11
$4.00 COSB $4.00 $9.00
8/24/10
$2.00 $6.00 $2.00
$0.00 $0.00
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Asset Quality & Allowance for Loan Losses
$ in thousands
Asset Quality 2013 2012 % change
Organic loans on non-accrual $1,657 $2,344 -29.3%
Acquired loans on non-accrual 7,899 8,186 -3.5%
sub total $9,556 $10,530 -9.3%
REO 0 3,112 -100.0%
Total non-accrual loans & REO (NPAs) $9,556 $13,642 -30.0%
Net charge offs (recoveries) YTD $1,052 $460 128.7%
Non-accrual loans as % of total loans 1.02% 1.23% -17.1%
Total non-accrual loans & REO (NPAs) as % of assets 0.68% 1.09% -37.6%
Allowance for loan losses as % of total loans (less HFS) 1.14% 1.03% 10.7%
ALL as % of total loans (exluding acquired loans) 1.50% 1.54% -2.6%
Net YTD charge-offs (recoveries) as % of avg YTD loans 0.12% 0.08% 50.0%
ALL as % of non-accrual organic loans 639.8% 375.6% 70.3%
ALL as % of total non-accrual loans (organic & acquired) 111.0% 83.6% 32.8%
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Loans by Industry – C&I and
Owner-Occupied CRE
Restaurant/Food
Service Professional Svces
6% 6%
Construction Finance
6% 6% Healthcare
5%
Wholesale Admin Mgmt
10% 4%
Retail
4%
Other Services
3%
Manufacturing
16% Other
Transportation 4%
2% Entertainment
Hotel/Lodging 1%
1%
Real Estate
26%
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Customer Profile
Our customer base reflects the diversity of industries in Southern California
Significant percentage of customers involved in the manufacturing, distribution and services industries Typical customer has between $10 million and $60 million in annual sales (excluding SBA borrowers) Typical loan commitment ranges between $1 million and $5 million (excluding SBA loans) Majority of new customers come from larger banks Most new business generation results from warm leads provided by referral sources
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