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Exhibit 99.1 
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Exhibit 99.1
March 2015
4Q Results 2014 | cbbank.com
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 the Company’s future financial position and operating results. These forward-looking statements are subject to risks and uncertainties that could cause actual results, performance and/or achievements to differ materially from those projected. These risks and uncertainties include, but are not limited to, local, regional, national and international economic and market conditions and events and the impact they may have on us and our customers; our ability to attract deposits and other sources of funding or liquidity; supply and demand for real property inventory and periodic deterioration in values of California real estate, both residential and commercial; a prolonged slowdown or decline in construction or sales activity; changes in the financial performance and/or condition of our borrowers or certain key vendors or counterparties; changes in the level of nonperforming assets and any accompanying reserves and/or charge-offs; the cost or effect of acquisitions we may make; the effect of changes in laws, regulations and relevant judicial decisions (including laws, regulations and judicial decisions concerning financial reforms, taxes, bank capital levels, securities and securities trading and hedging, employment, executive compensation, insurance, vendor management and information security) with which we and our subsidiaries must or believe we should comply; changes in estimates of future reserve requirements and minimum capital requirements based upon the periodic review thereof under relevant regulatory and accounting requirements, includingchanges in the Basel Committee framework establishing capital standards for credit, operations and market risk; inflation, interest rate, securities market and monetary fluctuations; changes in government interest rates or monetary policies; changes in the amount and availability of deposit insurance; cyber-security threats, including loss of system functionality or theft or loss of Company or customer data or money; political instability; acts of war or terrorism, or natural disasters, such as earthquakes, or the effects of pandemic diseases; the timely development and acceptance of new banking products and services and the perceived overall value of these products and services by customers and potential customers; the Company’s relationships with and reliance upon vendors with respect to the operation of certain of the Company key internal and external systems and applications; changes in consumer spending, borrowing and savings preferences or habits; technological changes and the expanding use of technology inbanking (including the adoption of mobile banking applications); the ability to retain and increase market share, retain and grow customers andcontrol expenses; changes in the competitive environment among financial and bank holding companies, banks and other financial service providers; continued volatility in the credit and equity markets and its effect on the general economy or local or regional business conditions; fluctuations in the price of the Company’s stock; the effect of changes in accounting policies and practices, as may be adopted from time-to-time by the regulatory agencies, as well as by 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, and our ability to retain or expand our management team and/or our board of directors; the costs and effects of legal, compliance and regulatory changes and developments, including the resolution of legal proceedings or regulatory or other governmental inquiries or investigations and the results of regulatory examinations or reviews; our success at managing the risks involved in the foregoing items and all other factors set forth in the Company’s public reports includingits Annual Report on Form 10-K for the year ended December 31, 2014, 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.
4Q Results 2014 | cbbank.com 2
CVB Financial Corp. (CVBF)
Total Assets: $7.4 Billion
Gross Loans: $3.8 Billion
Total Deposits (Including Repos): $6.2 Billion
Total Equity: $878 Million
Largest financial institution headquartered in the Inland Empire region of Southern
California. Founded in 1974
Locations in 42 cities with 40 business financial centers and 6 commercial banking centers and 3 trust office locations serving the Inland Empire, LA County, Orange County, San Diego County and the Central Valley of California
Source: Q4 2014 earnings release & company filings.
4Q Results 2014 | cbbank.com 3
Experienced Leadership
Name Position Banking Experience CVBF Service
Christopher D. Myers President & CEO 31 Years 9 Years
Richard C. Thomas Executive Vice President 5 Years 4 Years
Chief Financial Officer
James F. Dowd Executive Vice President 38 Years 7 Years
Chief Credit Officer
David C. Harvey Executive Vice President 25 Years 5 Years
Chief Operations Officer
David A. Brager Executive Vice President 27 Years 12 Years
Sales Division
R. Daniel Banis Executive Vice President 33 Years 3 Years
CitizensTrust
Yamynn DeAngelis Executive Vice President 36 Years 28 Years
Chief Risk Officer
Richard Wohl Executive Vice President 26 Years 3 Years
General Counsel
4Q Results 2014 | cbbank.com 4
Board of Directors
Name CVB Experience Age
Ray O’Brien—Chairman 2 Years 58
George Borba Jr.—Vice Chairman 2 Years 47
Steve Del Guercio 2 Years 53
Robert Jacoby 9 Years 73
Hal Oswalt 1 Year 66
San Vaccaro 15 Years 82
Chris Myers—CEO 9 Years 52
4Q Results 2014 | cbbank.com 5
Who is CVB Financial Corp.?
4Q Results 2014 | cbbank.com
Largest Banks Headquartered in California
Rank Name Asset Size (12/31/14) In millions
1 Wells Fargo $1,687,155
2 Union Bank $113,120
3 Bank of the West $71,682
4 First Republic Bank $48,353
5 SVB Financial $39,345
6 City National Bank $32,610
7 East West Bank $28,738
8 OneWest Bank $21,805
9 Pacific Western Bank $16,235
10 Cathay Bank $11,512
11 CVB Financial Corp. $7,378
12 BBCN $7,140
13 Farmers & Merchants of Long Beach $5,581
14 Westamerica Bank $5,036
Source: SNL Financial
4Q Results 2014 | cbbank.com 7
Bank Accomplishments & Ratings
151 Consecutive Quarters of Profitability
101 Consecutive Quarters of Cash Dividends
#4 Rated Bank: BankDirector Magazine
Bank Performance Scorecard (August 2014)
BauerFinancial Report
Five Star Rating (September 2014)
78 Consecutive Quarters
Fitch Rating
BBB (September 2014)
4Q Results 2014 | cbbank.com
Our Markets
4Q Results 2014 | cbbank.com
Existing Locations
40 Business Financial Centers
6 Commercial Banking Centers
3 CitizensTrust Locations
Corporate Office
Business Financial Centers Commercial Banking Centers itizensTrust
San Diego – NEW Opened 06/02/2014
10
Deposits*
# of Center Total Deposits Total Deposits
(000’s) Locations (12/31/13) (12/31/14)
Los Angeles County 18 $1,921,122 $2,154,938
Inland Empire 9 $1,842,239 $1,913,988
(Riverside & San Bernardino Counties)
Central Valley 9 $866,085 $920,951
Orange County 9 $651,139 $878,466
Other 1 $253,297 $299,942
Total 46 $5,533,882 $6,168,285
Average Cost of Deposits (Year-to-Date) 0.12% 0.11%
*Includes Customer Repurchase Agreements
4Q Results 2014 | cbbank.com
Total Deposits*
$7,500,000 $6,500,000 $5,500,000 $4,500,000 $3,500,000 $2,500,000 $1,500,000
$500,000
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
(000’s)
2010 2011 2012 2013 2014
Non-Int Bearing Dep Interest Bearing Deposits*
*Interest Bearing Deposits includes REPOs
4Q Results 2014 | cbbank.com 12
Deposit Cost Comparison
Source: Q4 2014 earnings release & other company filings, SNL Financial—peers represent public CA , AZ, HI, NV, OR & WA banks with assets $2—$25 billion.
1.00%
0.90% CVBF Peers
0.80%
0.70%
0.60%
0.50%
0.40%
0.30%
0.20%
0.10%
0.00%
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 2010 2011 2012 2013 2014
4Q Results 2014 | cbbank.com 13
Total Loans*
Average
# of Center Total Loans*
Loans per
Locations (12/31/2014)
(000’s) Location
Los Angeles County 18 $82,290 $1,481,226
Central Valley 9 $91,317 $821,854
Inland Empire
(Riverside & San Bernardino Counties) 9 $75,014 $675,128
Orange County 9 $60,410 $543,689
Other 1 $310,866 $310,866
Total 46 $83,321 $3,832,763
*Prior to MTM discount, loan fees, loan loss reserve and loans Held for Sale
Starting in the 4th quarter of 2014, covered and non-covered loans are combined
4Q Results 2014 | cbbank.com
Total Loans*
$4,400,000
$4,200,000
$4,000,000
$3,800,000
$3,600,000
$3,400,000
$3,200,000
$3,000,000
$2,800,000
$2,600,000
$2,400,000
$2,200,000
$2,000,000
(000’s) Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
2010 2011 2012 2013 2014
Total Loans*
*Starting in the 4th quarter of 2014, covered and non-covered loans are combined (Purchase Credit Impaired or PCI) Before deferred loan fees, discount on PCI loans, and loans held for sale
Includes covered and non-covered loans for all periods presented
4Q Results 2014 | cbbank.com
Loan Portfolio Composition
Total Loans by Type
Municipal Lease Finance
Other, 1.9%
Receivables, 2.0% Dairy, Livestock &
SFR Mortgage, Agribusiness, 5.4% 7.4% Multi-Family, 5.6% Commercial & Industrial, 14.1%
Construction RE, 1.4% Commercial RE- Non-Owner, 40.0% Commercial RE—Owner Occupied, 22.2%
Source: Q4 2014 earnings release & company reports
Starting in the 4th quarter of 2014, covered and non-covered loans are combined
4Q Results 2014 | cbbank.com 16
Credit Quality
4Q Results 2014 | cbbank.com
Non-Performing Assets*
$200,000 $180,000 $160,000 $140,000 $120,000 $100,000 $80,000 $60,000 $40,000 $20,000 $-
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 (000’s) 2009 2010 2011 2012 2013 2014 Non-Performing Loans OREO
*Non-Covered assets | Starting in the 4th quarter of 2014, covered and non-covered assets are combined
4Q Results 2014 | cbbank.com 18
Classified Loans*
$800,000
$700,000
$600,000
$500,000
$400,000
$300,000
$200,000
$100,000
$-
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
(000’s)
2009 2010 2011 2012 2013 2014
*Non-Covered loans| Starting in the 4th quarter of 2014, covered and non-covered loans are combined
4Q Results 2014 | cbbank.com 19
Loans: Net Charge-Offs*
$0
2009 2010 2011 2012 2013 2014
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
(000’s) Net Charge-Offs (by year)
*Non-Covered | Starting in the 4th quarter of 2014, covered and non-covered loans are combined
4Q Results 2014 | cbbank.com 20
Profits
4Q Results 2014 | cbbank.com
Net Income
$32,500
$30,000
$27,500
$25,000
$22,500
$20,000
$17,500
$15,000
$12,500
$10,000
$7,500
$5,000
$2,500
$-
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
(000’s)
2009 2010 2011 2012 2013 2014
Net Income After Taxes
$20.4 million FHLB prepayment charge
4Q Results 2014 | cbbank.com
Earnings
(000’s) 2010 2011 2012 2013 2014
Net Interest Income $259,317 $234,681 $236,950 $216,266 $236,514
Provision for Loan Losses ($61,200) ($7,068) $0 $16,750 $16,100
Other Operating
Income/Expenses (Net) ($111,378) ($106,809) ($122,257) ($88,741) ($89,817)
Income Taxes ($23,804) ($39,071) ($37,413) ($48,667) ($58,776)
Net Profit After Tax $62,935 $81,733 $77,280 $95,608 $104,021
4Q Results 2014 | cbbank.com 23
Net Interest Margin
4.25%
3.92% 8 Year Average: 3.55%
4.00%
3.75%
3.50%
3.50%
3.25% 2.92%
3.00%
2.75%
2.50%
2.25%
2.00%
1.75%
1.50%
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
2007 2008 2009 2010 2011 2012 2013 2014
Normalized*
*Normalized tax-equivalent excludes accretion on covered loans
4Q Results 2014 | cbbank.com 24
Efficiency & Expenses
4Q Results 2014 | cbbank.com
Efficiency Ratio
90.00%
80.00%
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
2011 2012 2013 2014
Efficiency Ratio
$20.4 million FHLB prepayment charge
4Q Results 2014 | cbbank.com 26
Non-Interest Expense as a % of Average Assets
3.50%
3.00%
2.50%
2.00%
1.50% 1.67%
1.00%
0.50%
0.00%
Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
2011 2012 2013 2014 Non-Interest Expense as a % of Average Assets
$20.4 million FHLB prepayment charge
4Q Results 2014 | cbbank.com 27
Capital
4Q Results 2014 | cbbank.com
Capital Ratios
Regulatory Regulatory December 31, 2014*
Minimum Ratio Well-Capitalized Ratio
Tier 1 Risk-based Capital Ratio 4.0% 6.0% 16.99%
Total Risk-based Capital Ratio 8.0% 10.0% 18.24%
Tier 1 Leverage Ratio 4.0% 5.0% 10.86%
Tangible Capital Ratio 10.97%
Core Tier 1 Capital Ratio 16.46%
* CVB Financial Corp.—Consolidated 29
Securities & Investments
4Q Results 2014 | cbbank.com
Securities Portfolio*
—$3.1 Billion—
Trust Preferred
Yield on securities 0.16% Municipal
portfolio = 2.58% CMO’s / Bonds 18.48%
for the 4th Quarter 2014 REMIC’s 9.69%
Government
Agency &
GSEs 10.55%
MBS 61.12%
Securities portfolio totaled $3.14 billion at 12/31/2014. The portfolio represents 42.54% 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. 98% of the Bank’s municipal portfolio contains securities which have an underlying rating of investment grade. California municipals represent only 4.2% of the municipal bond portfolio
*Securities Available For Sale
4Q Results 2014 | cbbank.com Source: Q4 2014 earnings release. As of 12/31/2014 securities held-to-maturity were valued at
approximately $1.5 million | Yield on securities represents the fully taxable equivalent
Securities Portfolio*
$3.1 Billion
Mark-to-Market (Pre-tax)
$100,000
$80,000
$53,578
$60,000
$40,000
$20,000
$0
-$20,000
-$40,000
Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sept Dec Mar Jun Sept Dec
09 09 09 10 10 10 10 11 11 11 11 12 12 12 12 13 13 13 13 14 14 14 14
(000’s)
*Securities Available For Sale
4Q Results 2014 | cbbank.com
CVBF Assets
12/31/06
$6.1 Billion
Loans, Securities
net 42.4%
49.9%
Goodwill & Fed
Intangibles Balance*
0.7% Other 4.6% 2.4%
12/31/14
$7.4 Billion
Securities
Loans,
42.5%
net 50.9%
Fed Balance* Goodwill & 0.5% Intangibles Other 5.0%
1.1%
*Includes overnight funds held at the Federal Reserve, Interest earning—
due from Correspondent Banks, other short-term money market
accounts or certificates of deposit
4Q Results 2014 | cbbank.com 33
Yield on Securities vs. Yield on Loans
6.00%
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
2009 2010 2011 2012 2013 2014
Yield on Loans* Yield on Securities
4Q Results 2014 | cbbank.com *Excluding Discount Accretion
CVBF Liabilities
12/31/06
$5.7 Billion
Junior
subordinated
Debentures 1.9% 12/31/14
$6.5 Billion
Borrowings
Other
3.8% Junior
Borrowings Liabilities
subordinated
36.0% Total 0.9% Debentures
Deposits* 0.4%
61.4%
Other
Liabilities
0.7%
Total
Deposits*
94.9%
*Includes Customer Repurchase Agreements
4Q Results 2014 | cbbank.com
Recent Announcement
4Q Results 2014 | cbbank.com
Federal Home Loan Bank Debt
$200 Million repaid on February 23, 2015
Maturity: November 2016
Interest Rate: 4.52%
Prepayment Penalty: $13.4 Million
4Q Results 2014 | cbbank.com 37
‘CVBF’ Cost of Funds
12/31/2014 Estimated Proforma*
Cost of Deposits 0.11% 0.11%
(Includes REPO’s)
FHLB Debt 4.52% N/A
($200 Million)
Trust Preferred 1.61% 1.61%
Total Cost of Funds 0.26% 0.12%
*Proforma based off 12/31/2014 year to date average balances
4Q Results 2014 | cbbank.com 38
Our Growth Strategy
4Q Results 2014 | cbbank.com
Our Vision
Citizens Business Bank will strive to become the premier financial services company operating throughout the state of California, servicing the comprehensive financial needs of successful small to medium sized businesses and their owners.
4Q Results 2014 | cbbank.com 40
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
4Q Results 2014 | cbbank.com 41
Three Areas of Growth
4Q Results 2014 | cbbank.com 42
Acquisition Strategy
—Banks—
Target size: $200 million to $2 billion in assets
Financial & Strategic
In-market and/or adjacent geographic market
(California only)
—Trust/Investment—
Target size: AUM of $200 million to $1 billion
In California
—Banking Teams—
In- market & ‘new’ markets
4Q Results 2014 | cbbank.com
Our ‘Critical Few’
Execute on DeNovo Growth Initiatives Pursue Strategic Acquisitions Quality Loan Growth
Provide Customer Solutions Through Technology
Expand Market Share Through Same Store Sales
4Q Results 2014 | cbbank.com
Copy of presentation at www.cbbank.com
4Q Results 2014 | cbbank.com
