Copy of slide presentation CVB Financial Corp. intends to provide to investors

Exhibit 99.1

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; 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 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, 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; 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.

Safe Harbor

Total Assets:

$6.5 Billion

Gross Loans:

$3.5 Billion

Total Equity:

$730 Million

Largest financial institution headquartered in the Inland Empire

region of

Southern California. Founded in 1974.

Serves 40 cities with 42 business financial centers and 5 commercial banking

centers throughout the Inland Empire, LA County, Orange County and the

Central Valley of California

Average Cost of Deposits = 0.14%

Significant equity ownership board of directors: approximately 16%

CVB Financial Corp. (CVBF)

Source: Q1 2012 earnings release & company filings. *non-covered loans

Total

Deposits

(Including

Repos):

$5.2 Billion

Name

Position

Banking

Experience

CVBF

Service

Christopher D. Myers

President & CEO

28 Years

6 Years

Richard C. Thomas

Executive Vice President

Chief Financial Officer

2 Years

1 Year

James F. Dowd

Executive Vice President

Chief Credit Officer

35 Years

4 Years

David C. Harvey

Executive Vice President

Chief Operations Officer

22 Years

2 Years

David A. Brager

Executive Vice President

Sales Division

24 Years

9 Years

Chris A. Walters

Executive Vice President

CitizensTrust

25 Years

5 Years

Yamynn DeAngelis

Executive Vice President

Chief Risk Officer

32 Years

24 Years

Experienced Leadership

Who is …

CVB Financial Corp.?

In millions

Largest Banks

Headquartered in California

Rank

Name

Asset Size (3/31/12)

Wells Fargo

$1,333,799

Union Bank

$92,323

Bank of the West

$62,343

First Republic Bank

$29,719

OneWest Bank

$25,010

City National Bank

$24,038

East West Bank

$21,750

SVB Financial

$20,818

Cathay Bank

$10,557

CVB Financial Corp

$6,506

Pacific Capital Bank

$5,846

Pacific Western Bank

$5,448

Westamerica Bank

$5,060

Farmers & Merchants of Long Beach

$4,769

•

140 Consecutive Quarters of Profitability

•

90 Consecutive Quarters of Cash Dividends

•

#11 Forbes Magazine Best Banks (December 2011)

•

BauerFinancial Report

Five Star Rating (September 2011)

•

Fitch Rating

BBB (October 2011)

Bank Accomplishments & Ratings

Our Markets

42 Business Financial Centers

5 Commercial Banking Centers

Existing

Locations

(000’s)

# of Center

Locations

Total Deposits

(3/31/11)

Total Deposits

(3/31/12)

Los Angeles County

$1,932,495

Inland Empire

(Riverside & San Bernardino Counties)

$1,617,447

Central Valley

$817,461

Orange County

$545,356

Other

$244,916

Total

$5,157,675

*Includes Customer Repurchase Agreements

Average Cost of Deposits

0.27%

0.17%

Deposits*

$1,964,976

$1,553,109

$773,627

$572,407

$199,579

$5,063,698

Source: Q1 2012 earnings release & other company filings, SNL Financial—peers represent public CA , AZ, HI, NV, OR & WA

banks

with

assets

$25

billion.

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

2007

2008

2009

2010

2011

2012

CVBF

Peers

Deposit Cost Comparison

3 Months

3/31/2012

3 Months

3/31/2011

Change

Service Charges on Deposit Accounts

$4,124,231

$3,723,296

10.77%

Service Charges/Total Deposits (Annualized)

0.32%

0.30%

*Includes Customer Repurchase Agreements

Service Charge Income*

Average Cost of Deposits

0.27%

0.17%

(000’s)

Non-Covered

Loans

Covered

Loans*

Total

Loans*

Los Angeles County

$1,115,483

$14,858

$1,130,341

32.32%

Central Valley

$586,531

$238,542

$807,241

23.59%

Inland Empire

(Riverside & San Bernardino Counties)

$633,955

$2,604

$636,559

18.20%

Orange County

$480,771

$113

$480,884

13.75%

Other

$375,406

$48,927

$442,165

12.13%

Total

$3,192,146

$305,044

$3,497,190

100%

*Prior to MTM discount and loan loss reserve

(Includes loans Held for Sale)

Total Loans

as of 3/31/2012

*Removed Mortgage Pools and Construction Loans

Adjusted 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

2009

2010

2011

2012

$515 million

$193 million

Total Non-Covered Loans

Source: Q1 2012 earnings release & company reports | *Non-covered loans

Total Loans by Type

Commercial RE

Non-Owner Occupied

40.0%

Consumer

1.6%

SFR Mortgage

5.2%

Municipal Lease Finance Receivables

3.6%

Auto & Equipment 0.5%

Dairy, Livestock & Agribusiness

9.1%

Commercial & Industrial

15.6%

Construction RE

2.1%

Commercial RE

Owner Occupied 22.3%

Loan Portfolio Composition*

Territory

Number of

Loan

Outstandings

Total

Loan

Outstandings

Central Valley

$148,391

Inland Empire

$63,333

Idaho

$60,321

New Mexico

$38,212

Washington

$22,339

Other Areas

$10,953

Total

198

$343,549

Dairy:

Real Estate

$151,714

Grand Total

260

$495,263

Dairy & Livestock

12/31/11

(000’s)

(000’s)

Net of Discount

$184 million

$59.3 million

Includes Loans Held for Sale

Total Covered Loans

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

$800,000

Q4 2009

Q1 2010

Q1 2011

Q1 2012

(000’s)

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

Q1 2009

Q2 2009

Q3 2009

Q4 2009

Q1 2010

Q2 2010

Q3 2010

Q4 2010

Q1 2011

Q2 2011

Q3 2011

Q4 2011

Q1 2012

Non-Performing Loans

OREO

Non-Performing Assets

Non-Covered

Loan Loss Allowance/ Charge-Offs

Non-Covered--

3.75%

3.50%

3.25%

3.00%

2.75%

2.50%

2.25%

2.00%

1.75%

1.50%

1.25%

1.00%

0.75%

0.50%

0.25%

0.00%

-0.25%

Allowance to Non-Covered Loans

Net Charge-Offs / Average Loans (Non-Covered)

2007

2008

2009

2010

2011

2012

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

2009

2010

2011

2012

(000’s)

Classified Loans

Non-Covered

Texas Ratio

NPA’s/Loans & OREO

Superior Credit Quality

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

2007

2008

2009

2010

2011

2012

CVBF

Peer

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

7.00%

2007

2008

2009

2010

2012

CVBF

Peer

2011

Source: Q1 2012 earnings release & other company filings, SNL Financial—peers represent public CA , AZ, HI, NV, OR & WA

banks with assets $2 - $25 billion.

Profits

Net Income After Taxes

Net Income

(000’s)

$2,500

$5,000

$7,500

$10,000

$12,500

$15,000

$17,500

$20,000

$22,500

2007

2008

2009

2010

2011

2012

$87.4 Million

2008

2009

2010

2011

3/31/2012

Net Interest Income

$193,679

$222,264

$259,317

$234,681

$58,602

Provision for Credit Losses

($26,600)

($80,500)

($61,200)

($7,068)

Other Operating

Income/Expenses (Net)

($81,331)

($52,515)

($111,378)

($106,809)

($24,956)

Income Taxes

($22,675)

($23,830)

($23,804)

($39,071)

($11,378)

Net Profit After Tax

$63,073

$65,419

$62,935

$81,733

(000’s)

Earnings

$22,268

1.50%

1.75%

2.00%

2.25%

2.50%

2.75%

3.00%

3.25%

3.50%

3.75%

4.00%

4.25%

2007

2008

2009

2010

2011

2012

Net Interest Margin

Peer Profitability Metrics

Return

Average

Assets

Return

Average

Tangible

Equity

Net

Interest

Margin

Source: Q1 2012 earnings release & other company filings, SNL Financial—peers represent public CA , AZ, HI, NV, OR & WA banks with assets $2 - $25 billion

Capital

Tier 1 Risk-based Capital Ratio

Total Risk-based Capital Ratio

Tier 1 Leverage Ratio

Tangible Capital Ratio

Core Tier 1 Capital Ratio

4.0%

8.0%

4.0%

6.0%

10.0%

5.0%

18.18%

19.44%

11.35%

10.38%

15.57%

Regulatory

Minimum Ratio

Regulatory

Well-Capitalized Ratio

March 31, 2012

Capital Ratios

Tier 1 Capital Ratio

Total Risk –

Total Risk 

–

Based Capital Ratio

Tangible Common Equity/Tangible Assets

18.00%

16.00%

14.00%

12.00%

10.00%

8.00%

6.00%

4.00%

2.00%

18.00%

16.00%

14.00%

12.00%

10.00%

8.00%

6.00%

4.00%

20.00%

10.00%

8.00%

6.00%

4.00%

3.00%

2.00%

5.00%

7.00%

9.00%

11.00%

CVBF

Peer

CVBF

Peer

2007

2008

2009

2010

2011

2012

2007

2008

2009

2011

2012

2010

2007

2008

2009

2010

2011

2012

Peer Capital Metrics

Source: Q1 2012 earnings release & other company filings, SNL Financial—peers represent public CA , AZ, HI, NV, OR & WA banks with assets $2 - $25 billion

Securities/Investments

Source: Q1 2012 earnings release. As of 03/31/2012 securities held-to-maturity were valued at approximately $2.3 million | Yield on securities represents the

fully taxable equivalent

*Securities Available For Sale

Securities portfolio totaled $2.4 billion at 3/31/2012. The portfolio represents 36.5% 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 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 6 % of the

municipal bond portfolio

Government Agency &

GSEs

1.6%

MBS

39.6%

CMO

31.1%

Municipal Bonds

27.3%

Yield on securities

portfolio = 3.03%

Trust Preferred

0.4%

Securities Portfolio*

--$2.4 Billion--

(000’s)

*Securities Available For Sale

$71,425

$10,000

$20,000

$30,000

$40,000

$50,000

$60,000

$70,000

$80,000

$90,000

Mar 09

Jun 09

Sep 09

Dec 09

Mar 10

Jun 10

Sep 10

Dec 10

Mar 11

Jun 11

Sep 11

Dec 11

Mar 12

Securities Portfolio*

$2.4 Billion

Mark-to-Market

(Pre-tax)

*Includes overnight funds held at the Federal Reserve, due from Correspondent Banks,

other short-term money market accounts or certificates of deposit

Loans

Securities

Fed Balance*

Other

Goodwill & Intangibles

3/31/12

$6.5 Billion

12/31/06

$6.1 Billion

Securities

Fed Balance*

Goodwill & Intangibles

Other

Loans

2.8%

8.5%

0.9%

36.5%

51.3%

2.4%

4.6%

0.7%

42.4%

49.9%

CVBF Assets

12/31/06

$5.7 Billion

3/31/12

$5.8 Billion

TOTAL DEPOSITS*

Jr. Subordinated

Debentures

Other Liabilities

BORROWINGS

Jr. Subordinated

Debentures

BORROWINGS

TOTAL DEPOSITS*

Other

Liabilities

*Includes Customer Repurchase Agreements

CVBF Liabilities

Our Growth Strategy

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.

Our Vision

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

Target Customer

Three Areas of Growth

Same Store

Sales

DeNovo

Acquisitions

--Banks--

--Trust--

•

Conventional M&A

•

Target size: $200 million to $2 billion in assets

•

Financial & Strategic

•

In-market and/or adjacent geographic market

(California only)

--Banks--

--Trust/Investment--

•

Target size: AUM of $200 million to $1 billion

•

In California

Acquisition Strategy

•

Quality Loan Growth

•

Non-Interest Bearing Deposit Growth

•

Non-Interest Income Growth

•

Expense Control

•

Grow Through Acquisition

Our ‘Critical Few’

*Total Loans net of SJB purchase discount

$2,000,000

$2,250,000

$2,500,000

$2,750,000

$3,000,000

$3,250,000

$3,500,000

$3,750,000

$4,000,000

$4,250,000

2007

2008

2009

2010

2011

2012

Total Loans*

(000’s)

(000’s)

$1,000,000

$1,200,000

$1,400,000

$1,600,000

$1,800,000

$2,000,000

$2,200,000

2007

2008

2009

2010

2011

2012

Non-Interest Bearing Deposits

(000’s)

*Net of Loss/Gain on OREO and Investment Securities Sales

$5,000

$5,500

$6,000

$6,500

$7,000

$7,500

$8,000

$8,500

$9,000

$9,500

2007

2008

2009

2010

2011

2012

Non-Interest Income*

(000’s)

2009

2010

2011

Q1 2012

Annualized

Salaries and Employee Benefits

$62,985

$69,419

$69,993

$67,251

Promotion & Entertainment

$6,528

$6,084

$4,977

$5,031

Supplies

$2,989

$3,314

$2,558

$2,369

Software Licenses & Maintenance

$2,320

$5,031

$3,669

$3,656

Professional Services

$6,965

$13,308

$15,031

$8,008

OREO Expense

$1,211

$7,490

$6,729

$2,936

Other

$50,588

$63,846

$38,068

$32,260

TOTAL:

$133,586

$168,492

$141,025

$121,512

Expenses

•

Strong Capital position

•

Strong, disciplined credit underwriting/credit culture

•

Drive low-cost, sustainable deposits

•

Multiple forms of growth (don’t depend on one)

•

Same Store Sales

•

DeNovo

•

Acquisitions

•

Cross-sell: capture the whole wallet

•

Build new Fee Income opportunities

•

Long-term outlook

Our Strategic Focus

www.cbbank.com

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