EX-99.1

October 2013

3Q Results 2013 | cbbank.com

Exhibit 99.1

3Q Results 2013 | cbbank.com

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 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; 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 activity; changes in the financial

performance and/or condition of our borrowers; changes in the level of non-performing assets and charge-offs; the cost or

effect of acquisitions we may make; the effect of changes in laws and regulations (including laws, regulations and judicial

decisions concerning financial reform, taxes, banking capital levels, securities, employment, executive compensation,

insurance and information security) with which we and our subsidiaries must 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 rate 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; 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 perceived overall value of these products and services by users;

changes in consumer spending, borrowing and savings 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 and other financial service providers; continued volatility in the credit and equity markets and its

effect on the general economy or local 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 and regulatory 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,

2012, 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 2013 | cbbank.com

Total Assets:

$6.6 Billion

Gross Loans:

$3.4 Billion

Total Deposits (Including Repos):

$5.5 Billion

Total Equity:

$768 Million

Source: Q3 2013 earnings release & company filings. *non-covered loans

CVB Financial Corp. (CVBF)

Largest

financial

institution

headquartered

the

Inland

Empire

region

Southern California. Founded in 1974.

Serves 40 cities with 39 business financial centers and 6 commercial banking

centers and 3 trust office locations throughout the Inland Empire, LA County,

Orange County and the Central Valley of California

Average Cost of Deposits = 0.10%

3Q Results 2013 | cbbank.com

Experienced Leadership

Name

Position

Banking Experience

CVBF Service

Christopher D. Myers

President & CEO

29 Years

7 Years

Richard C. Thomas

Executive Vice President

Chief Financial Officer

4 Years

3 Years

James F. Dowd

Executive Vice President

Chief Credit Officer

36 Years

5 Years

David C. Harvey

Executive Vice President

Chief Operations Officer

24 Years

4 Years

David A. Brager

Executive Vice President

Sales Division

26 Years

11 Years

R. Daniel Banis

Executive Vice President

CitizensTrust

31 Years

1 Year

Yamynn DeAngelis

Executive Vice President

Chief Risk Officer

34 Years

26 Years

Richard Wohl

Executive Vice President

General Counsel

25 Years

2 Years

3Q Results 2013 | cbbank.com

Board of Directors

Name

CVB Experience

Age

Ronald

Kruse

–

Chairman

38 Years

Linn

Wiley

Vice

Chairman

21 Years

George Borba Jr.

1 Year

Steve Del Guercio

1 Year

Robert Jacoby

7 Years

Ray O’Brien

1 Year

San Vaccaro

13 Years

Chris

Myers

CEO

7 Years

Who

CVB

Financial

Corp.

3Q Results 2013 | cbbank.com

3Q Results 2013 | cbbank.com

Largest Banks Headquartered in California

Source: SNL Financial

Rank

Name

Asset Size (6/30/13)

Wells Fargo

$1,440,563

Union Bank

$102,279

Bank of the West

$63,530

First Republic Bank

$37,313

City National Bank

$27,380

OneWest Bank

$25,421

East West Bank

$23,308

SVB Financial

$22,154

Cathay Bank

$10,603

CapitalSource Inc.

$8,679

Pacific Western Bank

$6,709

CVB Financial Corp.

$6,426

BBCN

$5,863

Farmers & Merchants of Long Beach

$5,146

Westamerica Bank

$4,814

In millions

3Q Results 2013 | cbbank.com

Bank Accomplishments & Ratings

146 Consecutive Quarters of Profitability

96 Consecutive Quarters of Cash Dividends

#8 Rated Bank: BankDirector Magazine

Bank Performance Scorecard (August 2013)

BauerFinancial Report

Five Star Rating (July 2013)

Fitch Rating

BBB (September 2013)

Our Markets

3Q Results 2013 | cbbank.com

3Q Results 2013 | cbbank.com

Business Financial Centers

Commercial Banking Centers

CitizensTrust Locations

Corporate Office

Business Financial Centers

Commercial Banking Centers

CitizensTrust

San Diego Opening February 2014

Existing Locations

3Q Results 2013 | cbbank.com

Deposits*

(000’s)

# of Center

Locations

Total Deposits

(9/30/12)

Total Deposits

(9/30/13)

Los Angeles County

$1,962,327

$1,913,762

Inland Empire

(Riverside & San Bernardino Counties)

$1,603,850

$1,763,235

Central Valley

$830,490

$863,738

Orange County

$586,297

$662,013

Other

$246,940

$258,621

Total

$5,229,904

$5,461,369

*Includes Customer Repurchase Agreements; Balance as of balance sheet date

0.12%

0.15%

Average Cost of Deposits (year to date)

3Q Results 2013 | cbbank.com

Non-Interest Bearing Deposits

(000’s)

$1,000,000

$1,200,000

$1,400,000

$1,600,000

$1,800,000

$2,000,000

$2,200,000

$2,400,000

$2,600,000

3Q Results 2013 | cbbank.com

Deposit Cost Comparison

Source: Q3 2013 earnings release & other company filings, SNL Financial—peers represent

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

$25 billion. Peer data as of 06/30/13

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

2007

2008

2009

2010

2011

2012

2013

CVBF

Peers

3Q Results 2013 | cbbank.com

Total Loans*

as of 9/30/2013

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

(000’s)

Non-

Covered

Loans*

Covered

Loans*

Total Loans*

Los Angeles County

$1,242,392

$10,580

$1,252,972

36.13%

Central Valley

$689,656

$156,076

$845,732

24.38%

Inland Empire

(Riverside & San Bernardino Counties)

$605,779

$962

$606,741

17.49%

Orange County

$490,385

14.14%

Other

$262,259

$10,245

$272,504

7.86%

Total

$3,290,471

$177,863

$3,468,334

100%

3Q Results 2013 | cbbank.com

Total Non-Covered Loans

(000’s)

Net of deferred fees

$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

3Q Results 2013 | cbbank.com

Source: Q3 2013 earnings release & company reports |Covered & Non Covered

Loan Portfolio Composition

Total Loans by Type

Municipal Lease

Finance

Receivables, 2.9%

Dairy, Livestock &

Agribusiness,

7.7%

Commercial &

Industrial, 15.3%

Construction RE,

1.4%

Commercial RE -

Owner

Occupied, 22.9%

Commercial RE-

Non-Owner,

38.5%

Multi

-Family, 4.1%

SFR Mortgage,

5.5%

Other, 1.7%

3Q Results 2013 | cbbank.com

New/Enhanced Lending Initiatives

•

Residential Real Estate

•

Multi-Family

•

Asset Based Lending

Other Lending Areas

For Future Consideration/Expansion

•

Residential and Commercial Construction

•

Medical Equipment/Office

•

Equipment Lending & Leasing

•

Private Banking

3Q Results 2013 | cbbank.com

3Q Results 2013 | cbbank.com

Total Covered Loans

Net of Discount

Includes Loans Held for Sale

$184 million

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

$800,000

2009

2010

2011

2012

2013

(000’s)

$14.5 million

Non-Performing Assets

Non-Covered

(000’s)

$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

Non

Performing Loans

OREO

3Q Results 2013 | cbbank.com

Classified Loans

Non-Covered

3Q Results 2013 | cbbank.com

$100,000

$200,000

$300,000

$400,000

$500,000

$600,000

$700,000

$800,000

2009

2010

2011

2012

2013

(000’s)

Profits

3Q Results 2013 | cbbank.com

Net Income

(000’s)

Net Income After Taxes

$20.4 million FHLB prepayment charge

3Q Results 2013 | cbbank.com

$2,500

$5,000

$7,500

$10,000

$12,500

$15,000

$17,500

$20,000

$22,500

$25,000

$27,500

Q4 Q1

2007

2008

2009

2010

2011

2012

2013

3Q Results 2013 | cbbank.com

Earnings

(000’s)

2009

2010

2011

2012

9 Months to

9/30/2013

Net Interest Income

$222,264

$259,317

$234,681

$236,950

$161,157

Provision for Loan Losses

($80,500)

($61,200)

($7,068)

($9,950)

Other Operating

Income/Expenses (Net)

($52,515)

($111,378)

($106,809)

($122,257)

($65,363)

Income Taxes

($23,830)

($23,804)

($39,071)

($37,413)

($35,424)

Net Profit After Tax

$65,419

$62,935

$81,733

$77,280

$70,320

Net Interest Margin

*Normalized excludes accelerated accretion on covered loans

Normalized*

3Q Results 2013 | cbbank.com

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

2013

Expenses

3Q Results 2013 | cbbank.com

3Q Results 2013 | cbbank.com

Expenses

*Includes $20.4 million FHLB prepayment charge

(000’s)

2010

2011

2012

9 Months to

9/30/2013

Salaries & Employee

Benefits

$69,419

$69,993

$68,496

$52,777

Promotion &

Entertainment

$6,084

$4,977

$4,869

$3,503

Stationary & Supplies

$4,965

$3,645

$3,592

$2,681

Software Licenses &

Maintenance

$5,031

$3,669

$4,269

$3,392

Professional Services

$13,308

$15,031

$6,249

$4,299

OREO Expense

$7,490

$6,729

$2,146

$384

Other

$62,195

$36,981

$48,539*

$17,724

Total:

$168,492

$141,025

$138,160

$84,760

Bank Borrowings

3Q Results 2013 | cbbank.com

Type of Debt

Balance at

09/30/2013

Interest Rate

FHLB Advance*

$199,070

4.52% Fixed

Other Borrowings (overnight)

Subordinated Debentures

CVB Statutory Trust III

$25,774

3-Month

LIBOR

1.38%

Total

$224,844

Outstanding Debt

as of 09/30/2013

(000’s)

*FHLB Advance maturity is November, 28 2016. As of 10/23/13,

prepayment penalty was estimated at $22.1 million.

3Q Results 2013 | cbbank.com

Capital

3Q Results 2013 | cbbank.com

Capital

Ratios

3Q Results 2013 | cbbank.com

Regulatory

Minimum Ratio

Regulatory

Well-Capitalized Ratio

June 30, 2013*

Tier 1 Risk-based Capital Ratio

4.0%

6.0%

18.13%

Total Risk-based Capital Ratio

8.0%

10.0%

19.39%

Tier 1 Leverage Ratio

4.0%

5.0%

11.55%

Tangible Capital Ratio

10.91 %

Core Tier 1 Capital Ratio

17.49%

* CVB Financial Corp. – Consolidated

Securities & Investments

3Q Results 2013 | cbbank.com

3Q Results 2013 | cbbank.com

*Securities

Available

For

Sale

Securities portfolio totaled $2.62 billion at 9/30/2013. The portfolio represents 39.9% of the Bank’s

total assets

Virtually

all

the

Bank’s

mortgage-backed

securities

were

issued

Freddie

Mac

Fannie

Mae

which have the implied guarantee of the U.S. government. 98% of the Bank’s municipal portfolio

contains securities which have an underlying rating of investment grade. California municipals

represent only 4% of the municipal bond portfolio

Yield on securities

portfolio = 2.38%

for the 3

Quarter 2013

Securities Portfolio*

--$2.62 Billion--

REMIC's

14.87%

0.18%

Source: Q3 2013 earnings release. As of 9/30/2013 securities held-to-maturity were valued at

approximately $1.8 million | Yield on securities represents the fully taxable equivalent

Municipal

Bonds 22.95%

Government

Agency &

GSEs 12.72%

MBS 49.28%

CMO's /

Trust Preferred

Securities Portfolio*

$2.62 Billion

Mark-to-Market (Pre-tax)

*Securities Available For Sale

$7,348

3Q Results 2013 | cbbank.com

$10,000

$20,000

$30,000

$40,000

$50,000

$60,000

$70,000

$80,000

$90,000

Jun

Sep

Dec

Mar

Jun

Sep

Dec

Mar

Jun

Sep

Dec

Mar

Jun

Sep

Dec

Mar

Jun

Sept

(000’s)

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

9/30/13

$6.6 Billion

12/31/06

$6.1 Billion

3Q Results 2013 | cbbank.com

3Q Results 2013 | cbbank.com

Yield on Securities vs. Yield on Loans

*Excluding Discount Accretion

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

2009

2010

2011

2012

2013

Yield on Loans*

Yield on Securities

3Q Results 2013 | cbbank.com

CVBF Liabilities

12/31/06

$5.7 Billion

9/30/13

$5.8 Billion

*Includes Customer Repurchase Agreements

Junior

subordinated

Debentures,

0.5%

Other

Liabilities,

1.0%

Junior

subordinated

Debentures,

1.9%

Other

Liabilities,

0.7%

Total

Deposits*,

61.4%

Borrowings,

36.0%

Total

Deposits*,

94.3%

Borrowings,

4.2%

Our Growth Strategy

3Q Results 2013 | cbbank.com

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.

3Q Results 2013 | cbbank.com

Our Vision

3Q Results 2013 | 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 2013 | cbbank.com

Three Areas of Growth

•

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

•

Financial & Strategic

•

In-market and/or adjacent geographic market

(California only)

Acquisition Strategy

•

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

•

In California

•

In-

market & ‘new’

markets

3Q Results 2013 | cbbank.com

--Banks--

--Trust/Investment--

--Banking Teams--

Our ‘Critical Few’

Loan Growth

Expand Credit Product Offerings & Capabilities

Build Core Deposits

Drive Service Charge & Fee Income Growth

Manage Operating Efficiency

Grow Through Acquisition

3Q Results 2013 | cbbank.com

Copy of presentation at

www.cbbank.com

3Q Results 2013 | cbbank.com