California Banp(CALB) - 2025 Q1 - Earnings Call Presentation

Draft v4.5 1/21/24 Investor Presentation First Quarter 2025 Results Forward-Looking Statements and Other Matters First Quarter 2025 Earnings | 2 Financial Highlights 1Q25 results reflect 6% annualized loan growth, NIM expansion and YoY lower noninterest expense | | | | | | | | Change | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | 1Q25 | 4Q24 | 1Q24 | QoQ D | YoY D | | | | | Operating results | | | | | | | EPS | NIM | | PTPP(1) EPS | $82.4mm |$82.9mm | $52.4mm | -0.7$0.14 | ...