Capital Corp of the West, incorporated on April 26, 1995 is the holding company of County Bank (the Bank). The Bank conducts a general commercial banking business, including the acceptance of demand (includes interest bearing), savings and time deposits. The Bank also offers commercial, agriculture, real estate, personal, home improvement, home mortgage, automobile, credit card, and other installment and term loans. The Bank offers travelers' checks, safe deposit boxes, banking by mail, drive-up facilities, 24-hour automated teller machines (ATMs) and other customary banking services to its customers. The Bank began offering trust services to its customers during the year ended December 31, 2004. The Bank engages in general commercial banking business primarily in the Fresno, Madera, Mariposa, Merced, San Francisco, San Joaquin, Stanislaus and Tuolomne counties. The Bank has 20 full-service branch offices, of which two are located in Merced, with the branch located in downtown Merced serving as both a branch and as administrative headquarters. There are offices in Atwater, Hilmar, Los Banos, Sonora, Stockton, two offices in Modesto and two offices in Turlock. The Bank has an office in Madera and purchased three branch offices from Bank of America in Livingston, Dos Palos and Mariposa. The Bank has three wholly owned subsidiaries: Merced Area Investment & Development, Inc. (MAID), County Asset Advisors (CAA) and County Investment Trust (REIT). CAA is inactive. MAID engaged in real estate development activities for seven years before federal law barred banks from engaging in such activities. REIT is a real estate investment trust that invests in loan participations serviced by the Bank. The REIT provides the Bank with another vehicle, in which business may be conducted and equity capital could be raised. Loan Portfolio The five general areas, in which the Bank has directed its lendable assets are real estate mortgage loans, commercial loans, agricultural loans, real estate construction loans and consumer loans, which accounted for approximately 47%, 25%, 9%, 11% and 8%, respectively, of the Bank's loan portfolio as of December 31, 2004. The Bank also has a department to originate loans within the underwriting standards of the small business administration (SBA). The Bank originates, packages and subsequently sells these loans in the secondary market and retains servicing rights on these loans. At December 31, 2004, the Company had approximately $393 million in undisbursed loan commitments. Standby and performance letters of credit were approximately $13.9 million at December 31, 2004 Deposits The Bank's deposits are attracted primarily from individuals, and small and medium-sized, business-related sources. The Bank also attracts some deposits from municipalities, and other governmental agencies and entities. In connection with the deposits of municipalities or other governmental agencies, the Bank is generally required to pledge securities to secure such deposits except when the depositor signs a waiver with respect to the first $100,000 of such deposits, which amount is insured by the Federal Deposit Insurance Corporation (FDIC). The types of deposits offered by the Bank include non-interest-bearing demand deposits, interest-bearing demand deposits, savings deposits, time deposits under $100,000, and time deposits $100,000 and over. Investment Portfolio The Bank's investment portfolio consists of the United States government agency securities, mortgage-backed securities, collateralized mortgage obligations, municipal and corporate bonds. The single largest component of the Company's investment portfolio are mortgage-backed securities, which generally provide a higher yielding investment return, but contain a longer maturity than the other types of securities contained with the investment portfolios.

• Download SqueezeTrigger (TM) Report
• Download FrictionFactor Report
• Download Daily Short Volume Report
• Download Real-Time Short Volume Tool
• Download Failures to Deliver

• No BuyIns.Net Alerts Available for CCOW