California Bank of Commerce Loan and Deposit Growth Fuels Net Interest Income Growth Non Interest Expense to Average Assets Pre-Tax Net Income ($ thousands) 2 $- $40,000  $80,000  $120,000  $160,000  $200,000  $240,000  $280,000  Total Deposits Total Loans 2007 2008 2009 2010 2011 $- $2,000  $4,000  $6,000  $8,000  $10,000  $12,000  Interest Income Interest Expense Net Interest Income 2007 2008 2009 2010 2011 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 2007 2008 2009 2010 2011 $(2,000) $(1,500) $(1,000) $(500) $- $500  $1,000  $1,500  $2,000  2009 2010 2011 Financial Highlights Managing Overhead to Drive Profitability