City of San Bernardino
Portfolio Summary
As of Date: 7/31/2026
Account # x2662 & x6176
Bond Portfolio Characteristics Total Account Summary
Average Credit Quality AA
3.00 End Values as of
06/30/2026
End Values as of
07/31/2026
Bond Sector Breakout
Cols
Sector Avg YTM Avg Eff DurTreasury 4.29 2.25Agency 4.46 2.15Muni 4.54 3.96 Corporate 4.86 2.72Supranational 4.35 2.35
Money Market 3.53 0.00LAIF 3.85 0.00
Average Coupon 3.78%
Market Value $334,467,879.37 $285,759,729.88MonthlyInterest Earned $533,594.52 $1,118,623.27 Average Market YTM 4.44% FYTD
Interest Earned $11,346,029.17 $12,464,652.44
$290,928,431.51
Cost Value $337,302,655.21 $289,614,635.60
Weighted Average Life 2.78 Book Value $337,207,924.69 $289,385,588.01 Average Effective Duration 2.34
Par $338,505,277.08
0.17%
0.70%0.70%
1.14%
1.63%
11.57%
19.37%
22.82%
41.91%
CD
Supranational
Cash
LAIF
Muni
Money Market
Agency
Corporate
Treasury
Total Investment Allocation
9.51%
1.98%
19.82%
21.96%
12.17%
34.56%
0-.5 .5-1 1-2 2-3 3-4 4+
Bond Maturity Distribution
22%
77%
1%
A AA AAA
Bond Credit Quality (Highest NRSRO Rating)
1 City of San Bernardino 1
53601 Cash Portfolio
As of Date: 7/31/2026
Account # x2662 & x6176
Symbol/CUSIP Security Name Par Value Coupon Rate
Moody's/
S&P/Fitch
Rating 2,3
Purchase Date Maturity/ Called Date Weighted Average Life Days to Maturity Yield to Maturity 2 Adjusted Cost Basis Market Value CASH
CASH Cash $ 1,990,079.96 N/A N/A N/A $ 1,990,079.96 $ 1,990,079.96 MM Money Market 33,049,635.83 $ 0.003 N/A 3.53% $ 33,049,635.83 $ 33,049,635.83 LAIF LAIF $ 3,263,715.72 0.74 N/A 3.85% $ 3,263,715.72 $ 3,263,715.72 $ 38,303,431.51 $ 38,303,431.51 $ 38,303,431.51
CDs
90348JT59 UBS BANK USA, NTNL A UT 0.95% CD 09/22/2026 250,000.00 $ 0.950% N/R 9/14/2021 9/22/2026 53 0.95% 250,000.00 $ $ 248,943.00 856285XL0 STATE BANK OF INDIA NY 1.15% CD 09/28/2026 $ 250,000.00 1.150% N/R 9/14/2021 9/28/2026 59 1.15% $ 250,000.00 $ 248,869.50 $ 500,000.00 56 1.05% $ 500,000.00 $ 497,812.50
US Treasury
9128282A7 US TREASURY 1.5% 08/15/2026 $ 2,500,000.00 1.500% Aa1 10/6/2025 8/15/2026 0.04 15 4.30% $ 2,453,769.77 $ 2,496,972.50 91282CLH2 US TREASURY 3.75% 08/31/2026 $ 2,500,000.00 3.750% Aa1 11/14/2025 8/31/2026 0.08 31 3.89% $ 2,500,022.35 $ 2,499,804.50 912797UH8 US TREASURY BILL 09/24/2026 $ 850,000.00 0.000% Aa1 6/23/2026 9/24/2026 0.14 55 3.77% $ 842,016.22 $ 845,463.30 91282CEF4 US TREASURY 2.5% 03/31/2027 $ 2,500,000.00 2.500% Aa1 11/14/2025 3/31/2027 0.66 243 4.02% $ 2,461,928.26 $ 2,475,195.25 91282CMV0 US TREASURY 3.875% 03/31/2027 $ 1,500,000.00 3.875% Aa1 10/23/2025 3/31/2027 0.66 243 4.02% $ 1,503,416.61 $ 1,498,359.3091282CKR1 US TREASURY 4.5% 05/15/2027 $ 175,000.00 4.500% Aa1 6/29/2026 5/15/2027 0.79 288 4.13% $ 175,576.36 $ 175,451.17 91282CNV9 US TREASURY 3.625% 08/31/2027 $ 4,000,000.00 3.625% Aa1 10/6/2025 8/31/2027 1.08 396 4.18% $ 4,001,868.68 $ 3,976,562.4091282CPB1 US TREASURY 3.5% 09/30/2027 $ 5,000,000.00 3.500% Aa1 10/10/2025 9/30/2027 1.16 426 4.19% $ 4,996,787.00 $ 4,960,742.0091282CPE5 US TREASURY 3.5% 10/31/2027 $ 7,500,000.00 3.500% Aa1 11/5/2025 10/31/2027 1.25 457 4.22% $ 7,486,614.63 $ 7,433,788.50 91282CPL9 US TREASURY 3.375% 11/30/2027 $ 2,500,000.00 3.375% Aa1 12/4/2025 11/30/2027 1.33 487 4.22% $ 2,493,275.92 $ 2,472,656.25 91282CPS4 US TREASURY 3.375% 12/31/2027 $ 4,000,000.00 3.375% Aa1 1/22/2026 12/31/2027 1.41 518 4.24% $ 3,985,241.75 $ 3,952,968.40 91282CMF5 US TREASURY 4.25% 01/15/2028 $ 4,000,000.00 4.250% Aa1 3/24/2026 1/15/2028 1.45 533 4.25% $ 4,020,148.28 $ 3,998,750.00 91282CGH8 US TREASURY 3.5% 01/31/2028 $ 2,500,000.00 3.500% Aa1 2/26/2026 1/31/2028 1.49 549 4.25% $ 2,501,617.71 $ 2,472,851.50 91282CMN8 US TREASURY 4.25% 02/15/2028 $ 3,500,000.00 4.250% Aa1 4/10/2026 2/15/2028 1.54 564 4.25% $ 3,522,455.29 $ 3,499,452.95 91282CQB0 US TREASURY 3.375% 02/29/2028 $ 5,000,000.00 3.375% Aa1 3/3/2026 2/29/2028 1.58 578 4.24% $ 4,975,663.87 $ 4,934,570.00 91282CQS3 US TREASURY 4% 05/31/2028 $ 5,500,000.00 4.000% Aa1 6/5/2026 5/31/2028 1.83 670 4.27% $ 5,482,226.74 $ 5,474,218.75 91282CNU1 US TREASURY 3.625% 08/15/2028 $ 5,000,000.00 3.625% Aa1 10/10/2025 8/15/2028 2.04 746 4.28% $ 5,005,993.22 $ 4,936,132.50 91282CNY3 US TREASURY 3.375% 09/15/2028 $ 7,500,000.00 3.375% Aa1 10/6/2025 9/15/2028 2.12 777 4.29% $ 7,459,387.98 $ 7,361,718.75 91282CPC9 US TREASURY 3.5% 10/15/2028 $ 2,500,000.00 3.500% Aa1 10/23/2025 10/15/2028 2.21 807 4.30% $ 2,501,110.31 $ 2,457,910.00 91282CPK1 US TREASURY 3.5% 11/15/2028 $ 3,500,000.00 3.500% Aa1 11/28/2025 11/15/2028 2.29 838 4.31% $ 3,494,341.39 $ 3,438,750.00 9128286B1 US TREASURY 2.625% 02/15/2029 $ 2,500,000.00 2.625% Aa1 11/21/2025 2/15/2029 2.54 930 4.31% $ 2,432,338.42 $ 2,398,828.00 91282CQA2 US TREASURY 3.5% 02/15/2029 $ 1,500,000.00 3.500% Aa1 3/3/2026 2/15/2029 2.54 930 4.32% $ 1,497,258.61 $ 1,470,468.75 91282CKD2 US TREASURY 4.25% 02/28/2029 $ 1,500,000.00 4.250% Aa1 1/2/2026 2/28/2029 2.58 943 4.32% $ 1,524,894.07 $ 1,497,656.25 91282CKP5 US TREASURY 4.625% 04/30/2029 $ 3,500,000.00 4.625% Aa1 4/30/2026 4/30/2029 2.75 1004 4.33% $ 3,565,088.94 $ 3,526,659.85 91282CQR5 US TREASURY 3.875% 05/15/2029 $ 3,500,000.00 3.875% Aa1 5/15/2026 5/15/2029 2.79 1019 4.33% $ 3,471,373.54 $ 3,458,984.2091282CEV9 US TREASURY 3.25% 06/30/2029 $ 1,500,000.00 3.250% Aa1 10/23/2025 6/30/2029 2.91 1065 4.34% $ 1,485,539.86 $ 1,455,527.2591282CNX5 US TREASURY 3.625% 08/31/2030 $ 2,500,000.00 3.625% Aa1 10/6/2025 8/31/2030 4.08 1492 4.41% $ 2,486,635.29 $ 2,427,050.7591282CPA3 US TREASURY 3.625% 09/30/2030 $ 4,500,000.00 3.625% Aa1 10/23/2025 9/30/2030 4.16 1522 4.40% $ 4,494,247.71 $ 4,368,163.95 91282CPD7 US TREASURY 3.625% 10/31/2030 $ 8,500,000.00 3.625% Aa1 11/5/2025 10/31/2030 4.25 1553 4.41% $ 8,467,354.26 $ 8,245,000.0091282CJM4 US TREASURY 4.375% 11/30/2030 $ 1,850,000.00 4.375% Aa1 1/2/2026 11/30/2030 4.33 1583 4.42% $ 1,890,842.22 $ 1,846,747.89 91282CPR6 US TREASURY 3.625% 12/31/2030 $ 1,500,000.00 3.625% Aa1 1/22/2026 12/31/2030 4.41 1614 4.41% $ 1,484,250.80 $ 1,452,949.2091282CPW5 US TREASURY 3.75% 01/31/2031 $ 2,500,000.00 3.750% Aa1 2/26/2026 1/31/2031 4.50 1645 4.42% $ 2,516,181.70 $ 2,432,421.7591282CKC4 US TREASURY 4.25% 02/28/2031 $ 10,000,000.00 4.250% Aa1 3/24/2026 2/28/2031 4.58 1673 4.42% $ 10,090,495.53 $ 9,929,687.0091282CQD6 US TREASURY 3.5% 02/28/2031 $ 1,500,000.00 3.500% Aa1 3/5/2026 2/28/2031 4.58 1673 4.41% $ 1,483,957.83 $ 1,443,808.50 91282CQK0 US TREASURY 3.875% 04/30/2031 $ 2,500,000.00 3.875% Aa1 5/15/2026 4/30/2031 4.74 1734 4.42% $ 2,457,436.70 $ 2,442,382.75 $ 121,375,000.00 2.44 893 4.29% $ 121,211,357.82 $ 119,758,654.11 Agency Securities4
3130ANKG4 FHLB 1% 08/27/2026 CALLABLE $ 1,000,000.00 1.000% Aa1 8/5/2021 8/27/2026 0.07 27 3.65% $ 1,000,000.00 $ 998,034.003133EM3T7 FFCB 0.87% 09/01/2026 CALLABLE $ 1,000,000.00 0.870% Aa1 8/26/2021 9/1/2026 0.08 32 4.07% $ 998,500.00 $ 997,563.00 3130APCH6 FHLB 1.125% 09/29/2026 CALLABLE $ 1,000,000.00 1.125% Aa1 9/28/2021 9/29/2026 0.16 60 3.97% $ 1,000,000.00 $ 995,631.00 3130AP6D2 FHLB 1% 09/30/2026 CALLABLE $ 1,000,000.00 1.000% Aa1 9/21/2021 9/30/2026 0.16 61 3.77% $ 1,000,000.00 $ 995,322.00 2 City of San Bernardino 1
53601 Cash Portfolio
As of Date: 7/31/2026
Account # x2662 & x6176
Symbol/CUSIP Security Name Par Value Coupon Rate
Moody's/
S&P/Fitch
Rating 2,3
Purchase Date Maturity/ Called Date Weighted Average Life Days to Maturity Yield to Maturity 2 Adjusted Cost Basis Market Value 3130APHT5 FHLB 1.2% 10/26/2026 CALLABLE $ 1,000,000.00 1.200% Aa1 10/8/2021 10/26/2026 0.24 87 3.96% $ 1,000,000.00 $ 993,782.00 3130APGP4 FHLB 1.15% 10/28/2026 CALLABLE $ 1,000,000.00 1.150% Aa1 10/8/2021 10/28/2026 0.24 89 3.76% $ 1,000,000.00 $ 993,353.003130APHA6 FHLB STEP 10/28/2026 CALLABLE $ 1,000,000.00 1.250% Aa1 10/8/2021 10/28/2026 0.24 89 3.81% $ 1,000,000.00 $ 993,585.00 3133ENDC1 FFCB 1.33% 11/03/2026 CALLABLE $ 1,000,000.00 1.330% Aa1 11/1/2021 11/3/2026 0.25 95 3.84% $ 1,000,000.00 $ 993,445.00 3130APWE1 FHLB 1.5% 11/25/2026 CALLABLE $ 1,000,000.00 1.500% Aa1 11/15/2021 11/25/2026 0.31 117 3.97% $ 1,000,000.00 $ 992,214.003133ENFN5 FFCB 1.54% 11/30/2026 CALLABLE $ 1,000,000.00 1.540% Aa1 11/23/2021 11/30/2026 0.33 122 3.79% $ 1,000,000.00 $ 991,968.00 3133ENJC5 FFCB 1.29% 12/22/2026 CALLABLE $ 1,000,000.00 1.290% Aa1 12/16/2021 12/22/2026 0.39 144 3.94% $ 1,000,000.00 $ 989,407.00 3130AQBE2 FHLB 1.65% 12/30/2026 CALLABLE $ 1,000,000.00 1.650% Aa1 12/7/2021 12/30/2026 0.41 152 4.00% $ 1,000,000.00 $ 990,207.00 3130AQET6 FHLB 1.4% 12/30/2026 CALLABLE $ 1,000,000.00 1.400% Aa1 12/27/2021 12/30/2026 0.41 152 3.97% $ 1,000,000.00 $ 989,207.003133ENKG4 FFCB 1.47% 01/11/2027 CALLABLE $ 1,000,000.00 1.470% Aa1 1/4/2022 1/11/2027 0.44 164 3.97% $ 1,000,000.00 $ 988,504.003133EWCY4 FEDERAL FARM CR BKS 3.57% 02/11/2028 CALLABLE $ 2,500,000.00 3.570% Aa1 2/26/2026 2/11/2028 1.52 560 4.29% $ 2,497,510.00 $ 2,470,427.50 3134HBT43 FHLMC 4.125% 09/26/2028 CALLABLE $ 5,000,000.00 4.125% Aa1 10/7/2025 9/26/2028 2.15 788 4.37% $ 5,000,007.37 $ 4,962,830.00 3133EWFV7 FEDERAL FARM CR BKS 3.52% 03/06/2029 CALLABLE $ 2,500,000.00 3.520% Aa1 3/3/2026 3/6/2029 2.60 949 4.46% $ 2,495,010.00 $ 2,443,607.50 3133ETW29 FFCB 4.17% 08/19/2030 CALLABLE $ 5,000,000.00 4.170% Aa1 12/2/2025 8/19/2030 4.05 1480 4.52% $ 4,997,510.00 $ 4,909,350.003134HBV65 FHLMC 4.25% 10/08/2030 CALLABLE $ 5,000,000.00 4.250% Aa1 10/7/2025 10/8/2030 4.18 1530 4.52% $ 5,000,008.51 $ 4,915,750.00 3134HBW31 FHLMC 4% 10/08/2030 CALLABLE $ 4,000,000.00 4.000% Aa1 10/7/2025 10/8/2030 4.18 1530 4.66% $ 4,000,008.51 $ 3,903,764.003134HCVL0 FHLMC 4.125% 02/20/2031 CALLABLE $ 2,500,000.00 4.125% Aa1 2/25/2026 2/20/2031 4.55 1665 4.86% $ 2,499,135.00 $ 2,441,982.50 3133EWLN8 FEDERAL FARM CR BKS 4.33% 04/15/2031 CALLABLE $ 5,000,000.00 4.330% Aa1 4/13/2026 4/15/2031 4.70 1719 4.77% $ 5,000,009.47 $ 4,914,380.003132D6JW1 FHLMC 4.5% SB8377 04/01/2040 $ 3,000,000.00 4.500% Aa1 2/19/2026 4/1/2040 5.14 4993 4.96% $ 2,209,641.95 $ 2,151,971.81 31418FRE9 FEDERAL NTNL MORTGAG 4% MA5884 11/01/2040 $ 3,500,000.00 4.000% Aa1 2/19/2026 11/1/2040 5.92 5207 4.84% $ 3,236,233.48 $ 3,129,342.343140MTVW0 FEDERAL NTNL MORTGAG 4.5% BW2428 01/01/2041 $ 3,500,000.00 4.500% Aa1 2/19/2026 1/1/2041 5.14 5268 4.96% $ 2,992,935.98 $ 2,909,891.53 3142JCCC2 FHLMC 4.5% RR0066 03/01/2041 $ 2,500,000.00 4.500% Aa1 3/24/2026 3/1/2041 5.61 5327 4.97% $ 2,334,122.52 $ 2,300,073.58 $ 58,000,000.00 3.12 1750 4.46% $ 56,260,632.79 $ 55,355,592.76 Municipal Bonds
084154G31 BERKELEY CALIF UNI S GO 1.706% 08/01/2030 TAXABLE $ 1,500,000.00 1.706% AA+ 3/17/2026 8/1/2030 4.00 1462 4.48% $ 1,372,825.00 $ 1,348,995.00 797272RS2 SAN DIEGO CALIF CMNT GO 2.013% 08/01/2030 TAXABLE $ 1,000,000.00 2.013% AAA 12/11/2025 8/1/2030 4.00 1462 4.51% $ 923,990.00 $ 909,410.00 13063DYT9 CALIFORNIA ST GO 1.75% 11/01/2030 TAXABLE $ 1,000,000.00 1.750% Aa2 12/11/2025 11/1/2030 4.25 1554 4.54% $ 907,810.00 $ 893,330.00 91412HYX5 UNIVERSITY CALIF REV REV 4.504% 05/15/2031 TAXABLE $ 1,500,000.00 4.504% Aa2 6/12/2026 5/15/2031 4.79 1749 4.61% $ 1,506,930.65 $ 1,492,995.00 $ 5,000,000.00 4.30 1572 4.54% $ 4,711,555.65 $ 4,644,730.00 Corporate Bonds
48128G4R8 JPMORGAN CHASE & CO. 1.15% 08/17/2026 CALLABLE $ 1,000,000.00 1.150% AA- 8/11/2021 8/17/2026 0.04 17 4.67% $ 1,000,000.00 $ 998,807.00 931142ER0 WALMART INC. 1.05% 09/17/2026 CALLABLE $ 1,000,000.00 1.050% Aa2 9/13/2021 9/17/2026 0.12 48 3.82% $ 1,000,088.08 $ 996,480.00 24422EVW6 JOHN DEERE CAPITAL C 1.3% 10/13/2026 $ 1,000,000.00 1.300% A1 10/8/2021 10/13/2026 0.20 74 3.91% $ 1,000,010.44 $ 994,285.00 172967LD1 CITIGROUP INC. VAR 01/10/2028 CALLABLE $ 750,000.00 3.887% A 10/14/2025 1/10/2028 0.44 528 5.26% $ 747,812.50 $ 748,254.0091324PEP3 UNITEDHEALTH GROUP I 5.25% 02/15/2028 CALLABLE $ 1,000,000.00 5.250% A+ 6/18/2026 2/15/2028 1.45 564 4.48% $ 1,012,220.92 $ 1,010,335.00 61747YER2 MORGAN STANLEY VAR 04/20/2028 CALLABLE $ 750,000.00 4.210% A1 10/23/2025 4/20/2028 0.71 629 4.98% $ 751,401.03 $ 745,683.00 02209SBQ5 ALTRIA GROUP, INC. 6.2% 11/01/2028 CALLABLE $ 2,500,000.00 6.200% A3 10/29/2025 11/1/2028 2.16 824 4.73% $ 2,607,155.30 $ 2,578,412.50 17327CAW3 CITIGROUP INC. VAR 03/04/2029 CALLABLE $ 1,750,000.00 4.786% A 10/6/2025 3/4/2029 2.59 947 4.69% $ 1,769,977.45 $ 1,747,891.25 79466LAR5 SALESFORCE, INC. 4.65% 03/15/2029 CALLABLE $ 2,000,000.00 4.650% A+ 5/15/2026 3/15/2029 2.62 958 4.83% $ 1,996,450.00 $ 1,990,842.00 14040HCZ6 CAPITAL ONE FINL COR VAR 06/08/2029 CALLABLE $ 750,000.00 6.312% A- 10/23/2025 6/8/2029 1.85 1043 5.35% $ 781,079.28 $ 766,633.50 91159HJM3 U.S. BANCORP VAR 06/12/2029 CALLABLE $ 750,000.00 5.775% A+ 10/23/2025 6/12/2029 1.86 1047 5.04% $ 775,472.76 $ 763,247.25 95000U3E1 WELLS FARGO & CO VAR 07/25/2029 CALLABLE $ 750,000.00 5.574% A1 10/23/2025 7/25/2029 1.98 1090 4.96% $ 773,467.20 $ 761,303.25 89236TMK8 TOYOTA MOTOR CREDIT 4.55% 08/09/2029 $ 1,500,000.00 4.550% A1 11/14/2025 8/9/2029 3.02 1105 4.70% $ 1,519,141.92 $ 1,492,284.00 06406YAA0 THE BANK OF NEW YORK 3.3% 08/23/2029 CALLABLE $ 2,750,000.00 3.300% A2 10/6/2025 8/23/2029 3.06 1119 4.78% $ 2,676,672.50 $ 2,630,721.5006051GLS6 BANK OF AMERICA CORP VAR 09/15/2029 CALLABLE $ 1,000,000.00 5.819% AA- 10/30/2025 9/15/2029 2.12 1142 4.92% $ 1,036,437.04 $ 1,019,942.00 00287YBX6 ABBVIE INC. 3.2% 11/21/2029 CALLABLE $ 1,000,000.00 3.200% A2 10/10/2025 11/21/2029 3.30 1209 4.74% $ 967,900.00 $ 952,178.00 20826FBJ4 CONOCOPHILLIPS CO 4.7% 01/15/2030 CALLABLE $ 1,750,000.00 4.700% A2 10/6/2025 1/15/2030 3.45 1264 4.79% $ 1,781,079.50 $ 1,746,521.00 91324PFG2 UNITEDHEALTH GROUP I 4.8% 01/15/2030 CALLABLE $ 1,000,000.00 4.800% A+ 10/14/2025 1/15/2030 3.45 1264 4.78% $ 1,020,977.29 $ 999,679.00 61747YFK6 MORGAN STANLEY VAR 01/16/2030 CALLABLE $ 1,000,000.00 5.173% A1 10/6/2025 1/16/2030 2.46 1265 5.00% $ 1,023,003.23 $ 1,005,107.00 91159HJQ4 U.S. BANCORP VAR 01/23/2030 CALLABLE $ 1,000,000.00 5.384% A+ 10/6/2025 1/23/2030 2.48 1272 4.95% $ 1,028,841.22 $ 1,011,226.00 95000U3J0 WELLS FARGO & CO VAR 01/23/2030 CALLABLE $ 1,500,000.00 5.198% A1 10/6/2025 1/23/2030 3.47 1272 4.95% $ 1,537,680.86 $ 1,511,076.0095000U4D2 WELLS FARGO & CO VAR 01/23/2030 CALLABLE $ 1,500,000.00 4.182% A1 3/5/2026 1/23/2030 2.48 1272 4.71% $ 1,499,245.00 $ 1,475,599.50 3 City of San Bernardino 1
53601 Cash Portfolio
As of Date: 7/31/2026
Account # x2662 & x6176
Symbol/CUSIP Security Name Par Value Coupon Rate
Moody's/
S&P/Fitch
Rating 2,3
Purchase Date Maturity/ Called Date Weighted Average Life Days to Maturity Yield to Maturity 2 Adjusted Cost Basis Market Value 89788MAR3 TRUIST FINL CORP SR VAR 01/24/2030 CALLABLE $ 1,000,000.00 5.435% A- 10/14/2025 1/24/2030 2.48 1273 5.03% $ 1,030,265.81 $ 1,011,970.00036752BB8 ELEVANCE HEALTH, INC 4.75% 02/15/2030 CALLABLE $ 3,500,000.00 4.750% A- 10/23/2025 2/15/2030 3.53 1295 4.92% $ 3,565,846.18 $ 3,480,141.00 20030NDG3 COMCAST CORP 3.4% 04/01/2030 CALLABLE $ 1,000,000.00 3.400% A3 10/10/2025 4/1/2030 3.67 1340 5.15% $ 970,590.00 $ 941,837.00 61747YFQ3 MORGAN STANLEY VAR 04/18/2030 CALLABLE $ 2,500,000.00 5.656% A1 10/31/2025 4/18/2030 3.71 1357 4.97% $ 2,588,232.70 $ 2,541,235.00 025816DU0 AMERICAN EXPRESS CO VAR 04/25/2030 CALLABLE $ 1,000,000.00 5.532% A2 11/21/2025 4/25/2030 3.73 1364 4.77% $ 1,038,622.21 $ 1,017,121.0038141GA87 THE GOLDMAN SACHS GR VAR 04/25/2030 CALLABLE $ 2,000,000.00 5.727% A2 10/6/2025 4/25/2030 3.73 1364 4.94% $ 2,077,221.82 $ 2,034,778.00718172DT3 PHILIP MORRIS INTERN 4.375% 04/30/2030 CALLABLE $ 3,000,000.00 4.375% A2 10/29/2025 4/30/2030 3.75 1369 4.88% $ 3,015,231.91 $ 2,944,914.00693475BX2 THE PNC FINL SERVICE VAR 05/14/2030 CALLABLE $ 1,000,000.00 5.492% A 10/6/2025 5/14/2030 3.78 1383 4.88% $ 1,035,261.48 $ 1,015,491.00 65339KBR0 NEXTERA ENERGY CAPIT 2.25% 06/01/2030 CALLABLE $ 750,000.00 2.250% A- 10/23/2025 6/1/2030 3.83 1401 4.94% $ 690,160.00 $ 679,959.00 46647PDF0 JPMORGAN CHASE & CO. VAR 06/14/2030 CALLABLE $ 1,000,000.00 4.565% AA- 10/6/2025 6/14/2030 2.87 1414 5.05% $ 1,010,374.56 $ 988,739.00 11135FCK5 BROADCOM INC. 4.6% 07/15/2030 CALLABLE $ 3,000,000.00 4.600% A3 2/26/2026 7/15/2030 3.95 1445 5.10% $ 3,041,951.79 $ 2,943,273.00 38141GB29 THE GOLDMAN SACHS GR VAR 07/23/2030 CALLABLE $ 750,000.00 5.049% A2 10/23/2025 7/23/2030 3.98 1453 4.95% $ 768,149.53 $ 751,014.75 17327CAT0 CITIGROUP INC. VAR 09/19/2030 CALLABLE $ 750,000.00 4.542% A 4/15/2026 9/19/2030 3.13 1511 4.97% $ 750,375.91 $ 740,492.25 46647PBE5 JPMORGAN CHASE & CO. VAR 10/15/2030 CALLABLE $ 1,750,000.00 2.739% AA- 10/29/2025 10/15/2030 3.20 1537 5.01% $ 1,658,260.00 $ 1,636,089.0061748UAE2 MORGAN STANLEY VAR 01/15/2031 CALLABLE $ 500,000.00 5.230% A1 6/24/2026 1/15/2031 4.45 1629 5.01% $ 505,861.28 $ 501,017.00 91324PFP2 UNITEDHEALTH GROUP I 4.65% 01/15/2031 CALLABLE $ 2,000,000.00 4.650% A+ 2/25/2026 1/15/2031 4.45 1629 4.87% $ 2,037,806.22 $ 1,982,446.00 06051GML0 BANK OF AMERICA CORP VAR 01/24/2031 CALLABLE $ 3,000,000.00 5.162% AA- 2/27/2026 1/24/2031 4.48 1638 4.93% $ 3,087,301.27 $ 3,013,659.0038141GC36 THE GOLDMAN SACHS GR VAR 01/28/2031 CALLABLE $ 500,000.00 5.207% A2 6/24/2026 1/28/2031 4.49 1642 5.06% $ 505,435.99 $ 501,125.50 883556DC3 THERMO FISHER SCIENT 4.2% 03/01/2031 CALLABLE $ 5,000,000.00 4.200% A2 2/25/2026 3/1/2031 4.58 1674 4.89% $ 4,991,564.01 $ 4,861,450.00 002824BS8 ABBOTT LABORATORIES 4% 03/15/2031 CALLABLE $ 2,250,000.00 4.000% Aa3 6/5/2026 3/15/2031 4.45 1688 4.82% $ 2,190,645.00 $ 2,170,568.25 00287YDT3 ABBVIE INC. 4.95% 03/15/2031 CALLABLE $ 1,500,000.00 4.950% A2 2/27/2026 3/15/2031 4.62 1688 4.84% $ 1,556,079.05 $ 1,506,325.50 $ 65,750,000.00 3.23 1258 4.86% $ 66,421,350.24 $ 65,210,153.00 CMO & Asset Backed Securities
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Supranationals
4581X0EN4 INTER-AMERICAN DEVEL 4.125% 02/15/2029 $ 2,000,000.00 4.125% Aaa 2/22/2024 2/15/2029 2.54 930 4.35% $ 1,977,260.00 $ 1,989,356.00 $ 2,000,000.00 2.54 930 4.35% $ 1,977,260.00 $ 1,989,356.00 Totals 290,928,431.51 $ $ 289,385,588.01 $ 285,759,729.88 Please Note: A trading error in the amount of $2,357.54 occurred on 7/15/2026. The trade has been reversed with no financial impact.1 Account adjusted cost basis, ending value, and other information reflects the market value of your cash and investments provided by Charles Schwab & Co., Inc (Schwab). It does not include pending transactions, unpriced securities or assets held outside Schwab's custody. Values may not reflect all of your gains/losses and may be rounded up to the nearest dollar; Schwab has provided accurate gain and loss information wherever possible for most investments. Cost basis may be incomplete or unavailable for some of your holdings and may change or be adjusted in certain cases. 2 Portfolio Manager provides bond ratings from Moody and Standard & Poor, and the highest of these ratings is reported for each bond. Portfolio Manager also also provides weighted-average-life and yield-to-maturity as of the month-end's valuation. 3 See acompanying Moody's, Standard and Poor's, and Fitch's ratings descriptions and further details on the rating process from the rating agencies. 4 Agency Mortgage Pool Investments, such as bonds issued from the Federal Home Loan Mortgage Corporation (FHLMC), Federal National Mortgage Association (FNMA), or Government National Mortgage Association (GNMA), are amortizing bonds whose principal is paid down over time. As such, performance should be evaluated relative to the Cost Basis of the Investment, not the Par Value. 4 City of San Bernardino
Rating Agency Disclosures
As of Date: 7/31/2026
Rater
Moody's1 Aaa Aa1 Aa2 Aa3 A1 A2 A3 Baa1 Baa2 Baa3 Ba1 Ba2 Ba3 B1 B2 B3 Below S&P/Fitch 2,3 AAA AA+ AA AA- A+ A A- BBB+ BBB BBB- BB+ BB BB- B+ B B- Below 1 - Moody’s Official Rating Descriptor/Definition: Credit Ratings are assigned on Moody’s global long-term and short-term rating scales and are forward-looking opinions of the relative credit risks of financial obligations issued by non-financial corporates, financial institutions, structured finance vehicles, project finance vehicles, and public sector entities. Moody’s defines credit risk as the risk that an entity may not meet its contractual financial obligations as they come due and any estimated financial loss in the event of default or impairment. The contractual financial obligations addressed by Moody’s ratings are those that call for, without regard to enforceability, the payment of an ascertainable amount, which may vary based upon standard sources of variation (e.g., floating interest rates), by an ascertainable date. Moody’s rating addresses the issuer’s ability to obtain sufficient cash to service the obligation, and its willingness to pay. Moody’s ratings do not address non-standard sources of variation in the amount of the principal obligation (e.g., equity indexed), absent an express statement to the contrary in a press release accompanying an initial rating. Long-term ratings are assigned to issuers or obligations with an original maturity of eleven months or more and reflect both on the likelihood of a default or impairment on contractual financial obligations and the expected financial loss suffered in the event of default or impairment. Short-term ratings are assigned to obligations with an original maturity of thirteen months or less and reflect both on the likelihood of a default or impairment on contractual financial obligations and the expected financial loss suffered in the event of default or impairment. Moody’s issues ratings at the issuer level and instrument level on both the long-term scale and the short-term scale. Typically, ratings are made publicly available although private and unpublished ratings may also be assigned. Source: Moody's "Rating Symbols and Definitions”, 2025 edition. https://ratings.moodys.com/api/rmc-documents/539542 - Standard & Poor’s Official Rating Descriptor/Definition: An S&P Global Ratings issue credit rating is a forward-looking opinion about the creditworthiness of an obligor with respect to a specific financial obligation, a specific class of financial obligations, or a specific financial program (including ratings on medium-term note programs and commercial paper programs). It takes into consideration the creditworthiness of guarantors, insurers, or other forms of credit enhancement on the obligation and considers the currency in which the obligation is denominated. The opinion reflects S&P Global Ratings' view of the obligor's capacity and willingness to meet its financial commitments as they come due, and this opinion may assess terms, such as collateral security and subordination, which could affect ultimate payment in the event of default. Source: “S&P Global Ratings Definitions” last updated 12/02/2024. https://www.spglobal.com/ratings/en/research/articles/190705-s-p-global-ratings-definitions-504352 Investment Grade Rating Non-Investment Grade Rating
3 - Fitch’s Official Rating Descriptor/Definition: Fitch Ratings publishes credit ratings that are forward-looking opinions on the relative ability of an entity or obligation to meet financial commitments. Issuer default ratings (IDRs) are assigned to corporations, sovereign entities, financial institutions such as banks, leasing companies and insurers, and public finance entities (local and regional governments). Issue level ratings are also assigned, often include an expectation of recovery and may be notched above or below the issuer level rating. Issue ratings are assigned to secured and unsecured debt securities, loans, preferred stock and other instruments, Structured finance ratings are issue ratings to securities backed by receivables or other financial assets that consider the obligations’ relative vulnerability to default. Credit ratings are indications of the likelihood of repayment in accordance with the terms of the issuance. In limited cases, Fitch may include additional considerations (i.e., rate to a higher or lower standard than that implied in the obligation’s documentation). Please see the section Specific Limitations Relating to Credit Rating Scales for details. Credit ratings express risk in relative rank order, which is to say they are ordinal measures of credit risk and are not predictive of a specific frequency of default or loss. Fitch’s credit ratings do not directly address any risk other than credit risk. Credit ratings do not deal with the risk of market value loss due to changes in interest rates, liquidity and/or other market considerations. However, market risk may be considered to the extent that it influences the ability of an issuer to pay or refinance a financial commitment. Ratings nonetheless do not reflect market risk to the extent that they influence the size or other conditionality of the obligation to pay upon a commitment (for example, in the case of payments linked to performance of an equity index). Source: Fitch's "Rating Definitions" last updated 9/19/2025. https://www.fitchratings.com/research/banks/rating-definitions-19-09-2025 5