EX-99.1

December 2015

Exhibit 99.1

3Q Results 2015 | cbbank.com

Filed by CVB Financial Corp. Pursuant to Rule 425 under the Securities Act of 1933

Subject Company: County Commerce Bank Filer’s SEC File No.: 0-10140

Exhibit 99.1

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, including changes 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 in banking (including the adoption of mobile banking applications); the ability to retain and increase market share, retain and grow

customers and control 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 including its 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.

3Q Results 2015 | cbbank.com

Total Assets:

$7.6 Billion

Gross Loans:

$3.8 Billion

Total Deposits (Including Repos):

$6.6 Billion

Total Equity:

$921 Million

Source: Q3 2015 earnings release & company filings.

CVB Financial Corp. (CVBF)

Largest financial institution headquartered in the Inland Empire region of

Southern California. Founded in 1974

Locations

cities

with

business

financial

centers

and

commercial

banking centers and 3 trust office locations serving the Inland Empire, LA

County, Orange County, San Diego County, Ventura County, and the

Central Valley of California

3Q Results 2015 | cbbank.com

Experienced Leadership

Name

Position

Banking Experience

CVBF Service

Christopher D. Myers

President & CEO

31 Years

9 Years

Richard C. Thomas

Executive Vice President

Chief Financial Officer

6 Years

5 Years

James F. Dowd

Executive Vice President

Chief Credit Officer

38 Years

7 Years

David C. Harvey

Executive Vice President

Chief Operations Officer

26 Years

6 Years

David A. Brager

Executive Vice President

Sales Division

27 Years

12 Years

R. Daniel Banis

Executive Vice President

CitizensTrust

33 Years

3 Years

Yamynn DeAngelis

Executive Vice President

Chief Risk Officer

36 Years

28 Years

Richard Wohl

Executive Vice

President

General Counsel

Years

4 Years

3Q Results 2015 | cbbank.com

Board of Directors

Name

CVB Experience

Age

Ray

O’Brien

Chairman

4 Years

George

Borba

Jr.

Vice

Chairman

3 Years

Steve Del Guercio

3 Years

Robert Jacoby

10 Years

Kristina Leslie

NEW

Hal Oswalt

2 Years

San Vaccaro

16 Years

Chris Myers

CEO

9 Years

3Q Results 2015 | cbbank.com

Who is CVB Financial Corp.?

3Q Results 2015 | cbbank.com

Largest Banks Headquartered in California

Source: SNL Financial

In millions

Rank

Name

Asset

Size (9/30/15)

Wells Fargo

$1,751,265

Union Bank

$114,358

Bank of the West

$74,023

First Republic Bank

$55,375

SVB Financial

$41,734

City National Bank

$35,576

East West Bank

$31,120

Pacific Western Bank

$16,815

Cathay Bank

$12,750

CVB Financial Corp.

$7,626

BBCN

$7,583

Banc of California, Inc.

$7,257

Opus Bank

$6,184

Farmers & Merchants of Long Beach

$5,979

Westamerica Bank

$5,001

3Q Results 2015 | cbbank.com

Bank Accomplishments & Ratings

154 Consecutive Quarters of Profitability

104 Consecutive Quarters of Cash Dividends

Rated

Bank:

BankDirector

Magazine

Bank Performance Scorecard (August 2015)

BauerFinancial

Report

Five Star Rating (June 2015)

81 Consecutive Quarters

Fitch Rating

BBB (September 2015)

3Q Results 2015 | cbbank.com

Our Markets

3Q Results 2015 | cbbank.com

Existing Locations

Business Financial Centers

Commercial Banking Centers

CitizensTrust Locations

Corporate Office

Business Financial Centers

Commercial Banking Centers

CitizensTrust

Ventura –

NEW Opened January 2015

New Acquisition

County Commerce Bank ‘CNYB’

3Q Results 2015 | cbbank.com

Transaction Highlights

Overview

CNYB Balance Sheet (000’s) as of 9/30/2015

Headquarters

Oxnard, CA

Establishment Date

2003

Total

Branches

Number of Employees

Total Assets

$257,137

Total Loans

$162,169

Total Deposits

$223,253

3Q Results 2015 | cbbank.com

Geographic Locations

Citizens Business Bank

County Commerce Bank

‘CNYB’ Purchase Price

•

$41.25 Million

(50% Cash, 50% Stock)

•

1.70 x Tangible Book

•

3.5 Years Earn-back

3Q Results 2015 | cbbank.com

Financial Performance

3Q Results 2015 | cbbank.com

Deposits*

(000’s)

# of Center

Locations

Total Deposits

(9/30/14)

Total Deposits

(9/30/15)

Los Angeles County

$2,095,048

$2,448,973

Inland Empire

(Riverside & San Bernardino Counties)

$2,069,631

$2,030,689

Orange County

$934,747

$936,291

Central Valley

$881,252

$868,210

Other

$307,439

$285,483

Total

$6,288,117

$6,569,646

*Includes Customer Repurchase Agreements

Average Cost of Deposits (Year-to-Date)

0.11%

.010%

3Q Results 2015 | cbbank.com

Total Deposits*

$500,000

$1,500,000

$2,500,000

$3,500,000

$4,500,000

$5,500,000

$6,500,000

$7,500,000

2010

2011

2012

2013

2014

2015

Non-Int Bearing Dep

Interest Bearing Deposits*

(000’s)

*Interest Bearing Deposits includes REPOs

3Q Results 2015 | cbbank.com

Deposit Cost Comparison

Source: Q3 2015 earnings release & other company filings, SNL Financial—peers represent public

CA , AZ, HI, NV, OR & WA banks with assets $2 -

$25 billion. Peer Data is as of 09/30/2015

0.00%

0.10%

0.20%

0.30%

0.40%

0.50%

0.60%

0.70%

0.80%

0.90%

1.00%

2010

2011

2012

2013

2014

2015

CVBF

Peers

3Q Results 2015 | cbbank.com

(000’s)

# of Center

Locations

Average

Loans per

Location

Total Loans*

(9/30/2015)

Los Angeles County

$87,362

$1,572,507

Central Valley

$76,698

$690,283

Inland Empire

(Riverside & San Bernardino Counties)

$72,572

$653,150

Orange County

$56,296

$506,666

Other

$313,770

Total

$3,736,376

Total Loans*

3Q Results 2015 | cbbank.com

*Prior to MTM discount, loan fees, loan loss reserve and loans Held for Sale

Starting

the

quarter

2014,

covered

and

non-covered

loans

are

combined

$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

$4,000,000

$4,200,000

$4,400,000

Q2Q3

2010

2011

2012

2013

2014

2015

Total Loans*

(000’s)

3Q Results 2015 | cbbank.com

*Starting

the

quarter

2014,

covered

and

non-covered

loans

are

combined

(Purchase

Credit

Impaired

PCI)

Before deferred loan fees, discount on PCI loans, and loans held for sale

Includes covered and non-covered loans for all periods presented

Municipal Lease

Finance

Receivables,

2.0%

Dairy, Livestock &

Agribusiness,

5.6%

Commercial &

Industrial, 11.1%

Construction RE,

1.5%

Commercial RE -

Owner

Occupied, 25.5%

Commercial RE-

Non-Owner,

41.0%

Multi-Family, 5.6%

SFR Mortgage,

5.9%

Other, 1.8%

Loan Portfolio Composition

Total Loans by Type

3Q Results 2015 | cbbank.com

Source: Q3 2015 earnings release & company reports

Starting

the

quarter

2014,

covered

and

non-covered

loans

are

combined

Credit Quality

3Q Results 2015 | cbbank.com

Non-Performing Assets*

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

$200,000

2009

2010

2011

2012

2013

2014

2015

Non-Performing Loans

OREO

(000’s)

3Q Results 2015 | cbbank.com

*Non-Covered

assets

Starting

the

quarter

2014,

covered

and

non-covered

assets

are

combined

Classified Loans*

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

$800,000

Q2Q3

2009

2010

2011

2012

2013

2014

2015

(000’s)

3Q Results 2015 | cbbank.com

*Non-Covered

loans|

Starting

the

quarter

2014,

covered

and

non-covered

loans

are

combined

Loans: Net Charge-Offs*

3Q Results 2015 | cbbank.com

*Non-Covered

Starting

the

quarter

2014,

covered

and

non-covered

loans

are

combined

Profits

3Q Results 2015 | cbbank.com

$2,500

$5,000

$7,500

$10,000

$12,500

$15,000

$17,500

$20,000

$22,500

$25,000

$27,500

$30,000

$32,500

2009

2010

2011

2012

2013

2014

2015

Net Income

(000’s)

Net Income After Taxes

$20.4 million FHLB prepayment charge

$13.9 million FHLB prepayment charge

3Q Results 2015 | cbbank.com

(000’s)

2011

2012

2013

2014

9 Months

09/30/2015

Net Interest Income

$234,681

$236,950

$216,266

$236,514

$189,684

Provision for Loan Losses

($7,068)

$16,750

$16,100

$4,500

Other Operating

Income/Expenses (Net)

($106,809)

($122,257)

($88,741)

($89,817)

($83,978)

Income Taxes

($39,071)

($37,413)

($48,667)

($58,776)

($39,674)

Net Profit After Tax

$81,733

$77,280

$95,608

$104,021

$70,532

Earnings

$20.4 million FHLB prepayment charge

$13.9 million FHLB prepayment charge

3Q Results 2015 | cbbank.com

Net Interest Margin

1.50%

1.75%

2.00%

2.25%

2.50%

2.75%

3.00%

3.25%

3.50%

3.75%

4.00%

4.25%

Q3Q4

Q1Q2

Q3Q4

Q2Q3

Q4Q1

Q2Q3

Q4Q1

Q3Q4

Q1Q2

Q3Q4

Q2Q3

Q4Q1

Q2Q3

Q1Q2

2007

2008

2009

2010

2011

2012

2013

2014

2015

*Normalized tax-equivalent excludes accretion on covered loans (Purchase Credit Impaired)

Normalized*

2.92%

3.92%

3.67%

3Q Results 2015 | cbbank.com

Efficiency & Expenses

3Q Results 2015 | cbbank.com

3Q Results 2015 | cbbank.com

Efficiency Ratio

$20.4 million FHLB prepayment charge

$13.9 million FHLB prepayment charge

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

80.00%

90.00%

2011

2012

2013

2014

2015

Efficiency Ratio

3Q Results 2015 | cbbank.com

Non-Interest Expense

as a % of Average Assets

1.71%

$20.4 million FHLB prepayment charge

$13.9 million FHLB prepayment charge

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

2011

2012

2013

2014

2015

Non-Interest Expense as a % of Average Assets

3Q Results 2015 | cbbank.com

Capital

Capital Ratios

* CVB Financial

Corp.

Consolidated

Adequately

Capitalized Ratio

Well-Capitalized

Ratio

September 30, 2015*

Tier 1 Risk-based Capital Ratio

6.0%

8.0%

17.40%

Total Risk-based Capital Ratio

8.0%

10.0%

18.65%

Common Equity Tier 1 Capital Ratio

4.5%

6.5%

16.88%

Tier 1 Leverage Ratio

4.0%

5.0%

11.12%

3Q Results 2015 | cbbank.com

Securities & Investments

3Q Results 2015 | cbbank.com

Source: Q3 2015 earnings release | Yield on securities represents the fully taxable equivalent

$2.31 Billion

*Available For Sale

Yield on securities

portfolio =2.53%

for the 3rd Quarter 2015

Securities Portfolio*

--$3.2 Billion--

$869.7 Million

*Held to Maturity

Municipal

Bonds 8.08%

Government

Agency &

GSEs 0.90%

MBS 74.00%

CMO's /

REMIC's

16.80%

Trust

Preferred

0.22%

Municipal

Bonds,

38.19%

Government

Agency &

GSEs, 34.18%

MBS,

27.48%

CMO's /

REMIC's,

0.15%

3Q Results 2015 | cbbank.com

Securities Portfolio*

$2.3 Billion

Mark-to-Market (Pre-tax)

(000’s)

*Available For Sale

-$40,000

-$20,000

$20,000

$40,000

$60,000

$80,000

$100,000

Jun 09

Dec 09

Jun 10

Dec 10

Jun 11

Dec 11

Jun 12

Dec 12

Jun 13

Dec 13

Jun 14

Dec 14

Jun 15

$53,217

3Q Results 2015 | cbbank.com

CVBF Assets

*Includes overnight funds held at the Federal Reserve, Interest earning -

due from Correspondent Banks, other short-term money market

accounts or certificates of deposit

Securities

41.7%

Fed

Balance*

3.2%

Other 4.8%

Goodwill &

Intangibles

1.0%

Loans,

net 49.3%

9/30/15

$7.6 Billion

Securities

42.4%

Fed

Balance*

2.4%

Other 4.6%

Goodwill &

Intangibles

0.7%

Loans,

net

49.9%

12/31/06

$6.1 Billion

3Q Results 2015 | cbbank.com

Yield on Securities vs. Yield on Loans

*Excluding Discount Accretion

**Includes Available for Sale and Held to Maturity, TE

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

2009

2010

2011

2012

2013

2014

2015

Yield on Loans*

Yield on Securities**

3Q Results 2015 | cbbank.com

CVBF Liabilities

12/31/06

$5.7 Billion

9/30/15

$6.7 Billion

*Includes Customer Repurchase Agreements

Other

Liabilities

0.7%

Borrowings

36.0%

Junior

subordinated

Debentures 1.9%

Other

Liabilities

1.6%

Junior

subordinated

Debentures

0.4%

Total

Deposits*

61.4%

Borrowings

0.0%

Total

Deposits*

98.0%

3Q Results 2015 | cbbank.com

Our Growth Strategy

3Q Results 2015 | 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.

3Q Results 2015 | cbbank.com

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

3Q Results 2015 | cbbank.com

Three Areas of Growth

Acquisitions

San Diego

(2014)

Oxnard

(2015)

American

Security Bank

(2014)

County

Commerce Bank*

(2016)

*Projected to close in 1

quarter 2016

Same Store

Sales

DeNovo

3Q Results 2015 | cbbank.com

•

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

3Q Results 2015 | 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

3Q Results 2015 | cbbank.com

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