Howe Barnes Hoefer & Arnett 13 th Annual Bank Conference August 19, 2008 Safe Harbor Statement
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13th Annual Bank Conference
August 19, 2008
Certain statements contained in this presentation, including, without limitation, statements containing the words “believes”, “anticipates”, “intends”, and “expects”, and words of similar import, constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934.
Such forward looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of Temecula Valley Bancorp (“the Company”) to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Such factors include, among others, the following; general economic and business conditions in those areas in which the Company operates, demographic changes, competition, fluctuations in interest rates, changes in business strategy or development plans, changes in governmental regulation, credit quality, the availability of capital to fund the expansion of the Company’s business, and other factors referenced in this presentation.
The Company disclaims any obligation to update any such factors or to publicly announce the results of any revisions to any of the forward-looking statements contained herein to reflect future events or developments.
Primarily in non-judicial foreclosure states.
Loan Portfolio by Type
at June 30, 2008
NPLs by Geography
NPLs by Type
$8.3 Million in Total Net Losses since 1996
Loans by Category
SBA Originations (Retail)
Total Leverage Ratio 9.96%
Tier 1 Risk-based Capital 9.22%
Total Risk Based Capital 11.80%