California Bank of Commerce California Bank of Commerce Versus Other Bank Groups* Productivity Quality of Loan Portfolio and Reserves * “2007 Peers” is all U.S. de novo banks who commenced operations in 2007. “Similar Asset Size” is U.S. banks with $100 to $300 million in assets.  3 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% 2008 2009 2010 2011 CABC Similar Asset Size 2007 Peers 2.01% 1.88% 2.10% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 2007 Peers Similar Asset Size CABC 2008 2009 2010 2011 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% CABC Similar Asset Size 2007 Peers 2007 Peers Similar Asset Size CABC $7.65 $5.63 $5.51 $0.00 $1.00 $2.00 $3.00 $4.00 $5.00 $6.00 $7.00 $8.00 $9.00 Non Interest Expense to Average Assets Average Assets per Employee ($ million) Non-Accrual Loans to Total Loans Allowance for Loan Losses as a Percent of Total Loans