 Exhibit 99.1 March 2013 |
 Safe Harbor Certain matters set forth herein (including the exhibits hereto) constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including forward-looking statements relating to the Company's current business plans and expectations regarding future operating results. These forward-looking statements are subject to risks and uncertainties that could cause actual results, performance or achievements to differ materially from those projected. These risks and uncertainties include, but are not limited to, local, regional, national and international economic conditions and events and the impact they may have on us and our customers; ability to attract deposits and other sources of liquidity; ability to make loans and generate assets; oversupply of inventory and continued deterioration in values of real estate in California and other states where our bank makes loans, both residential and commercial; a prolonged slowdown in business, manufacturing, retail or construction activity; changes in the financial performance and/or condition of our borrowers; changes in the level of non-performing assets and charge-offs; the effect of changes in laws and regulations (including laws and regulations concerning taxes, banking, business and consumer credit, capital levels, limits on bank products and fees, securities, executive compensation and insurance) with which we and our subsidiaries must comply; changes in estimates of future reserve requirements based upon the periodic review thereof under relevant regulatory and accounting requirements; inflation, interest rate, securities market and monetary fluctuations; the availability and effectiveness of hedging instruments and strategies; political instability; acts of war or terrorism, or natural disasters, such as earthquakes, or the effects of pandemic flu; the timely development and acceptance of new banking products and services and perceived overall value of these products and services by users; changes in consumer spending, borrowing and savings habits; technological changes (including mobile banking and cloud computing); threats to the stability and security of our technology hardware and software, and to the stability and security of any related vendor or customer hardware and software; the ability to increase market share and control expenses; changes in the competitive environment among financial and bank holding companies and other financial service providers; continued volatility in the credit and equity markets and its effects on the general economy; the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standard setters; changes in our organization, management, compensation and benefit plans; the costs and effects of legal and regulatory developments including the resolution of legal proceedings or regulatory or other governmental inquiries and the results of regulatory examinations or reviews; our success at managing the risks involved in the foregoing items and other factors set forth in the Company's public reports including its Annual Report on Form 10-K for the year ended December 31, 2011, and particularly the discussion of risk factors within that document. The Company does not undertake, and specifically disclaims any obligation to update any forward-looking statements to reflect occurrences or unanticipated events or circumstances after the date of such statements except as required by law. |
 3 Total Assets: $6.4 Billion Gross Loans: $3.5 Billion Total Deposits (Including Repos): $5.2 Billion Total Equity: $763 Million Source: Q4 2012 earnings release & company filings. *non-covered loans Largest financial institution headquartered in the Inland Empire region of Southern California. Founded in 1974. Serves 41 cities with 40 business financial centers and 5 commercial banking centers and 3 trust office locations throughout the Inland Empire, LA County, Orange County and the Central Valley of California Average Cost of Deposits = 0.11% CVB Financial Corp. (CVBF) |
 4 Name Position Banking Experience CVBF Service Christopher D. Myers President & CEO 28 Years 6 Years Richard C. Thomas Executive Vice President Chief Financial Officer 3 Years 2 Years James F. Dowd Executive Vice President Chief Credit Officer 36 Years 5 Years David C. Harvey Executive Vice President Chief Operations Officer 23 Years 3 Years David A. Brager Executive Vice President Sales Division 25 Years 10 Years R. Daniel Banis Executive Vice President CitizensTrust 31 Years 1 Year Yamynn DeAngelis Executive Vice President Chief Risk Officer 33 Years 25 Years Richard Wohl Executive Vice President General Counsel 24 Years 1 Year Experienced Leadership |
 5 Board of Directors Name CVBF Experience Age Ronald Kruse - Chairman 38 Years 73 Linn Wiley – Vice Chairman 21 Years 74 George Borba Jr. New 45 Steve Del Guercio New 51 Robert Jacoby 7 Years 71 Ray O’Brien New 55 San Vaccaro 13 Years 79 Chris Myers – CEO 6 Years 50 |
 CVB Financial Corp.? Who is… |
 7 Source: SNL Financial Largest Banks Headquartered in California Rank Name Asset Size (12/31/12) 1 Wells Fargo $1,442,968 2 Union Bank $96,992 3 Bank of the West $63,343 4 First Republic Bank $34,388 5 City National Bank $28,618 6 OneWest Bank $25,894 7 SVB Financial $22,766 8 East West Bank $22,536 9 Cathay Bank $10,694 10 CapitalSource Inc. $8,549 11 CVB Financial Corp. $ $6,363 12 Pacific Western Bank $5,464 13 BBCN $5,641 14 Farmers & Merchants of Long Beach $4,989 15 Westamerica Bank $4,952 In millions In millions |
 Bank Accomplishments & Ratings • 143 Consecutive Quarters of Profitability • 94 Consecutive Quarters of Cash Dividends • #6 Rated Bank: BankDirector Magazine Bank Performance Scorecard (July 2012) • BauerFinancial Report Five Star Rating (September 2012) • Fitch Rating BBB (October 2012) |
 Our Markets |
 Existing Locations 10 40 Business Financial Centers 5 Commercial Banking Centers 3 CitizensTrust Locations |
 Deposits* (000’s) # of Center Locations Total Deposits (12/31/11) Total Deposits (12/31/12) Los Angeles County 17 $1,872,623 $1,894,958 Inland Empire (Riverside & San Bernardino Counties) 10 $1,592,445 $1,668,906 Central Valley 11 $821,994 $856,155 Orange County 7 $598,426 $582,616 Other 0 $228,430 $244,596 Total 45 $5,113,918 $5,247,231 *Includes Customer Repurchase Agreements; Balance as of balance sheet date Average Cost of Deposits (Full Year) 0.21% 0.14% |
 Non-Interest Bearing Deposits (000’s) |
 Deposit Cost Comparison 13 Source: Q4 2012 earnings release & other company filings, SNL Financial—peers represent public CA , AZ, HI, NV, OR & WA banks with assets $2 - $25 billion. |
 Service Charge Income* 12 Months 12/31/11 12 Months 12/31/12 % Change Service Charges on Deposit Accounts $15,767,976 $16,105,811 2.14% Service Charges/Total Deposits 0.31% 0.31% 14 *Includes Customer Repurchase Agreements |
 Total Loans* as of 12/31/2012 (000’s) Non-Covered Loans* Covered Loans* Total Loans* % Los Angeles County $1,190,214 $16,572 $1,206,786 34.68% Central Valley $662,420 $191,419 $853,839 24.54% Inland Empire (Riverside & San Bernardino Counties) $627,173 $1,058 $628,231 18.05% Orange County $461,001 $0 $461,001 13.25% Other $318,430 $11,510 $329,940 9.48% Total $3,259,238 $220,559 $3,479,797 100.00% *Prior to MTM discount and loan loss reserve *Prior to MTM discount and loan loss reserve (Includes loans Held for Sale) (Includes loans Held for Sale) |
 Total Non-Covered Loans $2,000,000 $2,200,000 $2,400,000 $2,600,000 $2,800,000 $3,000,000 $3,200,000 $3,400,000 $3,600,000 $3,800,000 Q3 2009 Q4 Q1 2010 Q2 Q3 Q4 Q1 2011 Q2 Q4 Q1 2012 Q2 Q3 Q4 Q3 (000’s) |
 17 Source: Q4 2012 earnings release & company reports | *Non-covered loans Total Loans by Type Total Loans by Type Commercial RE Non-Owner Occupied 39.5% Consumer Consumer 1.5% 1.5% SFR Mortgage SFR Mortgage 4.9% 4.9% Municipal Lease Finance Receivables 3.2% Municipal Lease Finance Receivables 3.2% Auto & Equipment 0.4% Auto & Equipment 0.4% Dairy, Livestock & Agribusiness 10.3% Dairy, Livestock & Agribusiness 10.3% Commercial & Industrial Commercial & Industrial 16.8% 16.8% Construction RE 1.8% Construction RE 1.8% Commercial RE Commercial RE Owner Occupied 21.6% Owner Occupied 21.6% Loan Portfolio Composition* |
 Net of Discount Net of Discount Includes Loans Held for Sale Includes Loans Held for Sale $- $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 Q4 2009 Q1 2010 Q2 Q3 Q4 Q1 2011 Q2 Q3 Q4 Q1 2012 Q2 Q3 Q4 (000’s) $184 million $184 million $25.3 million $25.3 million |
 19 |
 -0.25% 0.00% 0.25% 0.50% 0.75% 1.00% 1.25% 1.50% 1.75% 2.00% 2.25% 2.50% 2.75% 3.00% 3.25% 3.50% 3.75% Q1 2007 Q2 Q3 Q4 Q1 2008 Q2 Q3 Q4 Q1 2009 Q2 Q3 Q4 Q1 2010 Q2 Q3 Q4 Q1 2011 Q2 Q3 Q4 Q1 2012 Q2 Q3 Q4 Allowance to Non-Covered Loans Net Charge-Offs / Average Loans (Non-Covered) - Loan Loss Allowance/ Charge-Offs --Non-Covered-- |
 21 (000’s) Classified Loans Non-Covered |
 CVBF’s strong loan underwriting culture has limited its exposure to problem credits Continued profitability has allowed CVB to build its capital base and reserves for loan losses. Superior Credit Quality Texas Ratio NPA’s/Loans & OREO Source: Q4 2012 earnings release & other company filings, SNL Financial—peers represent public CA , AZ, HI, NV, OR & WA banks with assets $2 - $25 billion. Peer data as of 9/30/12 Non-Covered |
 Profits |
 Net Income (000’s) Net Income After Taxes $20.4 million FHLB prepayment charge |
 Earnings 2008 2009 2010 2011 12 Months to 12/31/2012 Net Interest Income $193,679 $222,264 $259,317 $234,681 $236,950 Provision for Credit Losses ($26,600) ($80,500) ($61,200) ($7,068) $0 Other Operating Income/Expenses (Net) ($81,331) ($52,515) ($111,378) ($106,809) ($122,257) Income Taxes ($22,675) ($23,830) ($23,804) ($39,071) ($37,413) Net Profit After Tax $63,073 $65,419 $62,935 $81,733 $77,280 25 (000’s) |
 Net Interest Margin 26 Normalized* *Normalized excludes accelerated accretion on covered loans |
 Expenses |
 Expenses 28 *Includes $20.4 million FHLB prepayment charge (000’s) 2009 2010 2011 2012 Salaries & Employee Benefits $62,985 $69,419 $69,993 $68,496 Promotion & Entertainment $6,528 $6,084 $4,977 $4,869 Supplies $2,989 $3,314 $2,558 $2,212 Software Licenses & Maintenance $2,320 $5,031 $3,669 $4,269 Professional Services $6,965 $13,308 $15,031 $6,249 OREO Expense $1,211 $7,490 $6,729 $2,146 Other $50,588 $63,846 $38,068 $49,919* Total: $133,586 $168,492 $141,025 $138,160 |
 Bank Borrowings |
 Debt Repayment Activity 2012 Type of Debt Payoff Date Amount Weighted Average Interest Rate FHLB Borrowings 8/28/2012 $250,000 3.39% Subordinated Debentures FCB Statutory Trust II 1/07/2012 $6,805 3-Month LIBOR + 3.25% CVB Statutory Trust I 6/18/2012 $20,619 3-Month LIBOR + 2.85% CVB Statutory Trust I 9/17/2012 $20,619 3-Month LIBOR + 2.85% Total $298,043 30 (000’s) (000’s) |
 Outstanding Debt* 12/31/2012 31 (000’s) Type of Debt Maturity Balance at 12/31/2012 Interest Rate FHLB Borrowings 11/28/2016 $198,934 4.52% Subordinated Debentures CVB Statutory Trust II** $20,619 3-Month LIBOR + 2.85% CVB Statutory Trust II $20,619 3-Month LIBOR + 2.85% CVB Statutory Trust III $25,774 3-Month LIBOR + 1.38% Total $265,946 *Does not include $26 million in overnight borrowings from FHLB **This portion of CVB Statutory Trust II was repaid on January 7 2013 th |
 Capital |
 Capital Ratios Regulatory Minimum Ratio Regulatory Well-Capitalized Ratio December 31, 2012* Tier 1 Risk-based Capital Ratio 4.0% 6.0% 18.23% Total Risk-based Capital Ratio 8.0% 10.0% 19.49% Tier 1 Leverage Ratio 4.0% 5.0% 11.50% Tangible Capital Ratio 4.0% 5.0% 11.17% Core Tier 1 Capital Ratio 16.60% 33 * CVB Financial Corp. - Consolidated |
 34 Source: Q3 2012 earnings release & other company filings, SNL Financial—peers represent public CA , AZ, HI, NV, OR & WA banks with assets $2 - $25 billion Peer Capital Metrics Tier 1 Capital Ratio Total Risk – Based Capital Ratio Tangible Common Equity/Tangible Assets |
 Securities & Investments |
 Source: Q4 2012 earnings release. As of 12/31/2012 securities held-to-maturity were valued at approximately $2.1million | Yield on securities represents the fully taxable equivalent *Securities Available For Sale Securities portfolio totaled $2.45 billion at 12/31/2012. The portfolio represents 38.5% of the Bank’s total assets Virtually all of the Bank’s mortgage-backed securities were issued by Freddie Mac or Fannie Mae which have the implied guarantee of the U.S. government. 99% of the Bank’s municipal portfolio contains securities which have an underlying rating of investment grade. California municipals represent only 4% of the municipal bond portfolio Yield on securities portfolio = 2.49% for the 4th Quarter 2012 Securities Portfolio* --$2.45 Billion-- MBS 36.24% Government Agency & GSEs 14.67% Municipal Bonds 25.53% Trust Preferred 0.21% CMO's / REMIC's 23.35% |
 Securities Portfolio* $2.45 Billion Mark-to-Market (Pre-tax) (000’s) *Securities Available For Sale $74,571 MBS & CMO’s $31,395 Municipal Bonds $41,736 Other Securities $1,440 |
 CVBF Assets 38 *Includes overnight funds held at the Federal Reserve, Interest earning - due from Correspondent Banks, other short-term money market accounts or certificates of deposit Loans Loans Securities Securities Fed Balance* Fed Balance* Other Other Goodwill & Intangibles Goodwill & Intangibles 12/31/12 $6.4 Billion 12/31/06 $6.1 Billion Securities Securities Fed Balance* Fed Balance* Goodwill & Intangibles Goodwill & Intangibles Other Other Loans Loans 0.2% 0.2% |
 12/31/06 12/31/06 $5.7 Billion $5.7 Billion 12/31/12 12/31/12 $5.6 Billion $5.6 Billion TOTAL DEPOSITS* TOTAL DEPOSITS* Jr. Subordinated Jr. Subordinated Debentures Debentures Other Liabilities Other Liabilities BORROWINGS BORROWINGS Jr. Subordinated Jr. Subordinated Debentures Debentures BORROWINGS BORROWINGS TOTAL DEPOSITS* TOTAL DEPOSITS* Other Liabilities Other Liabilities *Includes Customer Repurchase Agreements *Includes Customer Repurchase Agreements CVBF Liabilities |
 Our Growth Strategy |
 Our Vision Citizens Business Bank will strive to become the dominant financial services company operating throughout the state of California, servicing the comprehensive financial needs of successful small to medium sized businesses and their owners. 41 |
 Target Customer The best privately-held and/or family- owned businesses throughout California Annual revenues of $1-200 million Top 25% in their respective industry Full relationship banking Build 20-year relationships 42 — — — — |
 Three Areas of Growth 43 Acquisitions --Banks-- Same Store Sales DeNovo --Trust-- |
 • Target size: $200 million to $2 billion in assets • Financial & Strategic • In-market and/or adjacent geographic market (California only) Acquisition Strategy --Banks-- --Trust/Investment-- • Target size: AUM of $200 million to $1 billion • In California --Banking Teams-- • In- market & ‘new’ markets |
 Our ‘Critical Few’ • Loan Growth • Expand Credit Product Offerings & Capabilities • Build Core Deposits • Drive Service Charge & Fee Income Growth • Manage Operating Efficiency • Grow Through Acquisition |
 Our Strategic Focus • Strong Capital position • Strong, disciplined credit underwriting/credit culture • Build low-cost, sustainable deposits • Multiple forms of growth (don’t depend on one) • Same Store Sales • DeNovo • Acquisitions • Cross-sell: capture the whole wallet • Drive expense efficiency • Long-term outlook 46 |
 Copy of presentation at www.cbbank.com |