Investor Presentation

Super -

Community Bank Conference

West Coast 2006

September 8,  2006

FCB Bancorp

Exhibit 99.1

2

Forward-Looking Statements

This

presentation

includes

“forward-looking”

statements

within

the

meaning

of

Section

27A

of

the

Securities

Act.

All

of

the

statements

contained

in

this

presentation

release,

other

than

statements

of

historical

fact,

should

be

considered

forward-looking

statements,

including,

but

not

limited

to,

those

concerning:

(i)

the

Company’s

strategies,

objectives

and

plans

for

expansion

of

its

operations,

products

and

services,

and

growth

of

its

portfolio

of

loans,

deposits

and

investments,

(ii)

the

Company’s

beliefs

and

expectations

regarding

actions

that

may

be

taken

by

regulatory

authorities

having

oversight

of

the

Company,

(iii)

the

Company’s

beliefs

as

to

the

adequacy

of

the

allowance

for

loan

losses,

(iv)

the

Company’s

beliefs

and

expectations

of

future

operating

results

and

(v)

the

combined

entity’s

ability

to

achieve

expected

financial

results

from

the

merger

of

equals,

as

well

as

the

timing

of

the

closing

of

the

transaction

and

the

ability

to

obtain

regulatory

approvals

on

a

timely

basis

or

at

all.

The

forward-looking

statements

are

subject

to

risks

and

uncertainties

that

could

cause

actual

results

to

differ

materially

from

those

projected.

Those

factors

include,

but

are

not

limited

to,

regulatory

and

shareholder

approval

for

the

proposed

transaction,

the

impact

of

the

current

national

and

regional

economy

on

small

business

loan

demand

in

Southern

California,

loan

delinquency

rates,

the

ability

of

FCB

Bancorp

and

National

Mercantile

Bancorp

and

their

subsidiaries

to

retain

customers,

interest

rate

fluctuations

and

the

impact

on

margins,

demographic

changes,

demand

for

the

products

and

services

of

the

companies

and

their

subsidiaries,

as

well

as

their

ability

to

attract

and

retain

qualified

people,

competition

with

other

banks

and

financial

institutions,

and

other

factors.

For

a

discussion

of

factors

that

could

cause

actual

results

to

differ,

please

see

the

reports

on

filed

with

the

Securities

and

Exchange

Commission

(the

“SEC”).

Readers

should

not

place

undue

reliance

on

the

forward-looking

statements,

which

reflect

management’s

view

only

as

of

the

date

hereof.

All

subsequent

written

and

oral

forward-looking

statements

by

or

attributable

to

the

Company

or

persons

acting

on

its

behalf

are

expressly

qualified

in

their

entirety

by

this

qualification.

Investors

are

cautioned

not

to

place

undue

reliance

on

these

forward-looking

statements,

which

speak

only

as

of

the

date

hereof

and

are

not

intended

to

give

any

assurance

as

to

future

results.

The

Company

undertakes

no

obligation

to

publicly

release

any

revisions

to

these

forward-looking

statements

to

reflect

events

or

circumstances

after

the

date

hereof

or

to

reflect

the

occurrence

of

unanticipated

events.

3

Overview of the Company

First

California

Bank

(“FCBA”)

is

a

state-chartered

bank

headquartered

in

Camarillo,

California

and

founded

in

1979. 

This

Management

Team

joined

First

California

Bank

in

1999.

Currently

FCBA

conducts

its

business

from

8

full

service

offices

in

Anaheim

Hills,

Camarillo,

Irvine,

Oxnard,

Simi

Valley,

Thousand

Oaks,

Ventura,

and

Westlake

Village. 

As

of

June

30,

2006,

FCBA

had

approximately

$500

million

in

assets

and

122

full-time

equivalent

employees.

Current Ownership:

Board & Senior Management own approximately 27%

Institutional investors own approximately 33%

4

Investment Highlights

Attractive High Growth Markets

Ventura, Orange and Los Angeles counties

Experienced Management Team That Knows How to Manage Growth

and Risk

Since 2000, a 28% CAGR in Loans

Since 2000, a 25% CAGR in Deposits

Excellent credit quality; net charge-offs averaged $77,000 per year since

1999

Proven Track Record of Building a Strong Core Deposit Franchise

Since 1999, 4 successful de novo branches

A successful purchase and integration of a 3

office, $145 million bank in

2005

Strong core deposits; core deposits averaged 84% of total deposits since

1999

5

The Business Strategy

Focus on Small Business Banking

Up to $65 million in annual sales

$1 million to $3 million average credit facility

Focus on Expansion Strategy

De Novo Branching

Acquisitions

Increase Low Cost Core Deposits

Business relationship banking –

deposit opportunities with every loan

Focus on Risk Management

6

The Franchise

FCBA (8)

FCBA LPO (2)

7

$187,773

$29,999

$52,706

$58,092

$33,212

$2,005

$0

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

$350,000

$400,000

2000

2001

2002

2003

2004

2005

Q2 2006

Commercial mortgage

Multifamily mortgage

1-4 family mortgage

Commercial loans and lines

Construction

Consumer

Well Diversified Loan Portfolio

*Compound annual growth rate (CAGR) reflects 12/31/2000-6/30/2006.   ** Excludes $11.6MM of loans held for sale.

CAGR*: 28%

Q2 2006:

**

8

Loan Portfolio as of June 30, 2006

1-4 family mortgage

14%

Commercial loans and lines

16%

Construction

9%

Commercial mortgage

52%

Consumer

1%

Multifamily mortgage

8%

Excludes $11.6 million of loans held for sale.

9

High Level of Core Deposits

*Compound annual growth rate (CAGR) reflects 12/31/2000-6/30/2006.

$114,793

$18,316

$84,203

$81,030

$96,993

$0

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

$350,000

$400,000

2000

2001

2002

2003

2004

2005

Q2 2006

Demand deposits

Other transaction accounts

MMDA and savings

CD less $100,000

CD over $100,000

CAGR*: 25%

10

Deposits as of June 30, 2006

MMDA and savings

21%

Other transaction

accounts

5%

Demand deposits

29%

CD over $100,000

25%

CD less $100,000

20%

11

De Novo Branch Growth Strategy

De Novo Branching Growth Strategy

Target communities

Recruit talent

Build LPO / Branch around talent

Target 12 month break-even

Success

Oxnard opened 2000

Ventura opened 2002

Thousand Oaks opened 2003

Simi Valley opened 2005 -

Deposits today $25 million

12

South Coast Acquisition

On February 2, 2005 FCBA announced the acquisition of South Coast

Bancorp for $36 million in cash.

Transaction multiples include:

Price/Book

Price/Tangible Book

Price/LTM earnings

(1)

Assumes 2004 earnings are adjusted to reflect full tax-effects and book value adjusted to

reflect purchase accounting fair value adjustments.

(2)

Source SNL;  Reflects average of M&A bank transactions announced

since January 1, 2004

< $150 M deal value.

Acquisition Growth Strategy

Actual

Adjusted

(1)

2.1x

1.8x

2.6x

2.1x

1.8x

2.6x

12.0x

18.7x

23.8x

Avg. Western

M&A Multiples

(2)

13

Acquisition Growth Strategy (cont’d)

Execution & Integration

On September 30, 2005, completed formation of new bank holding

company

FCB Bancorp

FCB Bancorp

On September 30, 2005:

Completed successful Common Equity Offering of $22 million

Issued $10 million of Trust Preferred securities

Closed South Coast Acquisition

On December 5, 2005:

Integrated South Coast Bank

Sold South Coast charter for $1 million

On June 30, 2006:

Reported FD EPS of

$0.63

15% increase over prior year

15% increase over prior year

*

*

*

FCB Bancorp & National Mercantile Bancorp

FCB Bancorp & National Mercantile Bancorp

Merger of Equals

Merger of Equals

Announced June 15, 2006

15

Forward-Looking Statements

This presentation contains forward-looking statements that are:

subject to contingencies & uncertainties

not a guarantee of future performance

based on assumptions that may change

not to be relied on unduly

These include statements relating to

EPS and other growth rates

Accretion

Costs savings

Increased liquidity and visibility

Many factors are beyond our ability to control or predict, including:

Shareholder and regulatory approvals

Interest rate volatility

Impact of national/regional economy on small business loan demand

Loan delinquency rates

Ability of companies to retain employees and customers

Acquisition synergies and cost saving

Please see risk factors in MBLA’s and FCBA’s 10-K and other SEC filings.

16

Additional Information

The

proposed

merger

will

be

submitted

to

the

shareholders

of

each

of

National

Mercantile

Bancorp

and

FCB

Bancorp

for

their

consideration.

First

California

Financial

Group,

Inc.

will

file

a

registration

statement,

which

will

include

a

joint

proxy

statement/prospectus

to

be

sent

to

the

shareholders

of

each

of

National

Mercantile

Bancorp

and

FCB

Bancorp,

and

each

of

First

California

Financial

Group,

National

Mercantile

Bancorp

and

FCB

Bancorp

may

file

other

relevant

documents

concerning

the

proposed

merger

with

the

SEC.

Shareholders

are

urged

to

read

the

registration

statement

and

the

joint

proxy

statement/prospectus

regarding

the

proposed

merger

when

they

become

available

and

any

other

relevant

documents

filed

with

the

SEC,

as

well

as

any

amendments

or

supplements

to

those

documents,

because

they

will

contain

important

information.

You

will

be

able

to

obtain

a

free

copy

of

the

joint

proxy

statement/prospectus,

as

well

as

other

filings

containing

information

about

First

California

Financial

Group,

National

Mercantile

Bancorp

and

FCB

Bancorp,

at

the

SEC’s

website

(http://www.sec.gov).

You

will

also

be

able

to

obtain

these

documents,

free

of

charge,

by

accessing

National

Mercantile

Bancorp’s

website

(http://www.nmbla.com)

under

the

tab

“Investor

Relations”,

or

by

accessing

FCB

Bancorp’s

website

(http://www.fcbank.com)

under

the

tab

“About

Us”.

National

Mercantile

Bancorp

and

FCB

Bancorp

and

their

respective

directors

and

executive

officers

may

be

deemed

to

be

participants

in

the

solicitation

of

proxies

from

the

shareholders

of

National

Mercantile

Bancorp

and

FCB

Bancorp

in

connection

with

the

proposed

merger.

Information

about

the

directors

and

executive

officers

of

National

Mercantile

Bancorp

is

set

forth

in

the

proxy

statement

for

its

2006

annual

meeting

of

shareholders,

as

filed

with

the

SEC

on

April

20,

2006.

Information

about

the

directors

and

executive

officers

of

FCB

Bancorp

is

set

forth

in

its

Annual

Report

on

Form

10-K,

as

filed

with

the

SEC

on

March

31,

2006.

Additional

information

regarding

the

interests

of

those

participants

and

other

persons

who

may

be

deemed

participants

in

the

transaction

may

be

obtained

by

reading

the

joint

proxy

statement/prospectus

regarding

the

proposed

merger

when

it

becomes

available.

You

may

obtain

free

copies

of

these

documents

as

described

above.

17

Partnership of Two Fast Growing Banks

FCBA

25%+CAGR in loans and

deposits since 2000

2Q06 EPS increased 14%

NIM 4.95% in 2Q06

Total NCOs since 2000 –

less

than $500,000

Focus on small businesses

Ventura, Orange and LA

Counties

As of June 30, 2006, compared to prior year period.

MBLA

NIM 5.26% in 2Q06

NPA/Assets 0.07%

Serving affluent communities

LA and Orange Counties

Expertise in business niche

markets

18

Expected Transaction Benefits

Enhances both banking

franchises

Expanded reach in fast-growing

markets

$1 billion in assets

Appealing demographics

Complementary branch locations

Enhanced lending capabilities

Larger legal lending limit

Accretive to GAAP EPS in 2007

Low risk transaction

Modest cost savings

Expanded platform for

growth

Strong management team

Enhanced opportunities for

staff

Increase market cap

Improve liquidity and

visibility

19

Southern California Branch Franchise

FCBA (8)

MBLA (4)

MBLA LPO (2)

FCBA LPO (2)

20

Summary of Transaction Terms

Consideration:

100% FCFG Stock,

Tax-free exchange

Fixed FCBA Exchange Ratio:

1.7904 x FCFG shares /FCBA

share (no collars/no walk-aways)

Fixed MBLA Exchange Ratio:

1 x FCFG Shares/MBLA share

Fully Diluted Ownership: 

MBLA 50.5% and FCBA 49.5%

Treatment of Options:

Options roll

21

Pro Forma Entity

National Mercantile Bancorp + FCB Bancorp

=

First California Financial Group, Inc.

Board of Directors:

Initially five directors from MBLA and five directors from FCB

Bancorp

Chairman will be Robert E. Gipson, now Chairman of MBLA

Vice Chairman will be John W. Birchfield, now Chairman of

FCBA

22

Leadership Team

President and CEO

C. G. Kum, FCBA’s

CEO

Chief Financial Officer

Romolo

C. Santarosa, FCBA’s

CFO

Chief Credit Officer

Robert W. Bartlett, MBLA’s

COO

Chief Strategy Officer

David R. Brown, MBLA’s

CFO

Head of Commercial Banking

Thomas E. Anthony, FCBA’s

CCO

Scott Montgomery, MBLA’s

President and CEO, after assisting in the

transition, will retire.

23

Large and Growing Markets

Population Total 13.7 million

LA County = 9.9 million

Ventura County   =  0.8 million

Orange County = 3.0  million

Diverse Economy

Manufacturing

Trade

Tourism

Technology

Entertainment

Rising employment and personal income

24

Balance Sheet

$0

$100

$200

$300

$400

$500

$600

Loans

Deposits

Assets

MBLA

FCBA

$ in millions

As of June 30, 2006; excludes $11.6 million of loans held for sale by FCBA.

25

Pro Forma Financial Impact

$    47.4

$   395.3

$   363.8

$   505.8

FCBA

$   39.0

$  372.6

$  351.2

$  491.4

MBLA

$    121.0

Equity

$    766.8

Deposits

$    716.7

Loans

$ 1,030.7

Assets

Pro Forma

($ in millions)

As of June 30, 2006; excludes $11.5 million of loans held for sale by FCBA.

26

FCBA

1%

52%

8%

9%

16%

14%

MBLA

25%

2%

5%

40%

25%

3%

Construction

Commercial RE

Multifamily

Residential

C&I

Consumer & Other

Loan Mix

As of June 30, 2006; excludes $11.6 million of loans held for sale by FCBA.

27

Pro Forma Loan Mix

Construction

17%

Residential

9%

Consumer &

Other

2%

Multifamily

7%

Commercial RE

44%

C&I

21%

As of June 30, 2006; excludes $11.6 million of loans held for sale by FCBA.

28

MBLA

6%

32%

8%

26%

5%

23%

Checking

Interest Checking

Savings

Money Market

CD less $100K

CD over $100K

Deposit Mix

FCBA

25%

16%

20%

29%

5%

5%

As of June 30, 2006

29

Pro Forma Deposit Mix

CD over $100K

24%

Checking

30%

Savings

6%

CD less $100K

13%

Money Market

21%

Interest Checking

6%

As of June 30, 2006

30

Pro Forma Bank Deposit Market Share*

* Banks headquartered in L.A., Orange and Ventura Counties

Source: SNL Securities as of 6/30/2005.  FCBA and MBLA deposit balances as of June 30, 2006.

Deposits

Market

Industry

YTD

Share

Rank

Company Name

Ticker

Type

($000)

(%)

1

City National Corporation

CYN

Bank

11,908,529

22.59%

2

Fremont General Corporation

FMT

Bank

9,256,980

17.56%

3

East West Bancorp, Inc.

EWBC

Bank

7,023,676

13.32%

4

Cathay General Bancorp, Inc.

CATY

Bank

5,024,464

9.53%

5

Hanmi Financial Corporation

HAFC

Bank

2,818,866

5.35%

6

Farmers & Merchants Bank of Long Beach

FMBL

Bank

2,139,797

4.06%

7

Nara Bancorp, Inc.

NARA

Bank

1,650,623

3.13%

8

Center Financial Corporation

CLFC

Bank

1,491,082

2.83%

9

Wilshire Bancorp Inc.

WIBC

Bank

1,481,237

2.81%

10

First Regional Bancorp

FRGB

Bank

1,468,438

2.79%

11

Preferred Bank

PFBC

Bank

995,310

1.89%

First California Financial Group, Inc.

Bank

767,911

1.46%

12

Beverly Hills Bancorp Inc.

BHBC

Bank

684,032

1.30%

13

Pacific Mercantile Bancorp

PMBC

Bank

625,162

1.19%

14

Alliance Bancshares California

ABNS

Bank

574,645

1.09%

15

American Business Bank

AMBZ

Bank

456,314

0.87%

16

Saehan Bancorp

SAEB

Bank

434,665

0.82%

17

FCB Bancorp

FCBA

Bank

395,335

0.75%

18

National Mercantile Bancorp

MBLA

Bank

372,576

0.71%

19

Premier Commercial Bancorp

PCBP

Bank

254,523

0.48%

20

Sunwest Bancorp

SWBC

Bank

247,320

0.47%

21

Pacific City Bank

PFCY

Bank

236,746

0.45%

Total Other (31)

3,173,197

6.02%

Total

52,713,517

100.00%

31

Enhances banking franchise

Low risk transaction

Expected to be accretive to EPS

Diversifies and expands lending capacity

Increases presence in fast-growing Southern California market

Transaction Summary

Transaction Summary

32

Q & A