Table of Contents
The Wall Street Transcript Investing in the Banking Industry
Disclaimer
PPT Slide
Earnings Growth and Stock Performance
Multiple Drivers of Earnings Growth
Key Differentiators Attractive Market Opportunity – Inland Empire
Key Differentiators Strong Job Creation
Key Differentiators Strong Population Growth
Examples of National Firms Migrating to the Inland Empire 1994-2002
Focused Marketing Initiatives
Hispanic Marketing
Exceptionally Strong Brand Advocacy
Strategic Initiatives in Progress
Consistently Loan Oriented Asset Base
Loan Origination Focus on the Four Cs
Portfolio Shift to Four C’s
Strong Growth in Lower Cost Core Deposits
Funding Cost Advantage
Expanding Net Interest Margin
Maintaining Sound Asset Quality
PPT Slide
Focus on Efficiency
PPT Slide
Investment Appeals
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