Financial Overview - As of December 31, 2022, the consolidated total assets of Central Valley Community Bancorp were approximately $2,422,519,000[9]. - The total loans outstanding were $1,256,304,000, with 82.5% of the loan portfolio secured by real estate[10]. - Total commercial and industrial loans outstanding were $141,197,000, including $333,000 in PPP loans[10]. - The Bank operates 19 full-service banking offices across several counties in California[10]. - The legal lending limits for unsecured loans were $37,759,000, and for secured loans combined, $62,931,000 as of December 31, 2022[13]. Market Position - The market share of deposits in Fresno, Madera, San Joaquin, and Tulare counties was 3.66% in 2022, down from 3.83% in 2021[10]. - The Bank's primary business activities are concentrated in Fresno, Madera, Merced, Placer, Sacramento, San Joaquin, Stanislaus, and Tulare Counties[12]. - The competitive environment is influenced by major banks with greater capitalization and technological innovations in financial services[13]. Capital Adequacy and Regulatory Compliance - The Company is required to maintain a common equity Tier 1 capital ratio of at least 4.5% and a total risk-based ratio of 8.0% to be adequately capitalized[25]. - The Company and the Bank exceed the required minimums for capital adequacy, with the Bank classified as a "well capitalized" institution[25]. - The Bank's ability to pay dividends is subject to state and federal regulatory restrictions, with dividends limited to the lesser of the Bank's retained earnings or net income for the latest three fiscal years[22]. - The Company must adhere to Federal Reserve policies regarding dividend payments, which may require the elimination or reduction of dividends if net income is insufficient[22]. - The Bank is eligible to accept brokered deposits without limitations due to its well-capitalized status[21]. - The Company and its subsidiaries are subject to examination by the DFPI and the FDIC, ensuring compliance with various regulatory requirements[19]. - The Company must maintain financial flexibility to support the Bank during periods of financial stress, as mandated by the Dodd-Frank Act[18]. - The Bank's capital ratios are regularly assessed to ensure compliance with regulatory capital requirements, which include maintaining an adequate allowance for credit losses[24]. - The Company is prohibited from engaging in certain tie-in arrangements related to credit extensions and services, ensuring compliance with federal regulations[21]. Consumer Protection and Compliance - The Bank has established policies and procedures to comply with U.S. bank secrecy and anti-money laundering laws, including the adoption of a risk-based approach as mandated by AMLA[28]. - The Bank had a CRA rating of "satisfactory" as of its most recent regulatory examination, reflecting its performance in meeting community credit needs[31]. - The Gramm-Leach Bliley Act and California Consumer Privacy Act require financial institutions to implement privacy policies and provide consumers with control over their personal information[29]. - Dodd-Frank reforms have increased scrutiny on consumer protection laws, potentially leading to changes in pricing, practices, and increased compliance costs for the Bank[42]. - The CFPB has broad authority to enforce federal consumer finance laws, which may impact the Bank's operations and compliance requirements[33]. - The Bank is subject to increased regulatory oversight and potential penalties due to heightened scrutiny of consumer protection compliance[42]. - The Bank's compliance with consumer protection laws may incur additional costs or require investments in local communities[32]. - The FDIC may terminate a depository institution's deposit insurance if it finds the institution's financial condition unsafe, which could adversely affect the Bank's operations[43]. Employee and Workforce Management - As of December 31, 2022, the company had approximately 262 total employees, including 253 full-time and 9 part-time employees[47]. - Approximately 73% of the current workforce is female, while 27% is male, with an average tenure of 6.37 years[47]. - The company offers market competitive total rewards programs, including annual bonuses, Employee Stock Ownership Plan, and matched 401(k) Plan[47]. - The company emphasizes the importance of an inclusive workforce and aims to attract and retain talent from diverse backgrounds[47]. - The company has a commitment to employee health, safety, and wellness, encouraging participation in regular wellness challenges[47]. - None of the employees are represented by a collective bargaining agreement, indicating a generally good relationship with employees[47]. - The company provides various benefits, including healthcare, insurance, paid time off, and education reimbursement programs[47]. - The company seeks to fill positions through promotion and transfer from within the organization whenever possible[47]. - Employees are expected to adhere to a Code of Business Conduct and Ethics, which includes training on preventing discrimination[47]. - The company’s success is fundamentally connected to the well-being of its employees, highlighting the importance of a supportive workplace culture[47]. Regulatory Changes and Impact - The SEC's new regulations on executive compensation require disclosure of the relationship between compensation and financial performance, effective for fiscal years ending on or after December 16, 2022[44].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Large accelerated filer ☐ Accelerated filer ☐ Non-accelerated filer ☒ Small reporting company ☒ Emerging growth company ☐ FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED September 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO COMMISSION FILE NUMBER: 000-3197 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Large accelerated filer ☐ Accelerated filer ☐ Non-accelerated filer ☒ Small reporting company ☒ Emerging growth company ☐ FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED June 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO COMMISSION FILE NUMBER: 000-31977 CEN ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO COMMISSION FILE NUMBER: 000-31977 CENTRAL VALLEY COMMUNITY BANCORP (Exact name of registrant as specified in its charter) California 77-0539125 (State or othe ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 000-31977 CENTRAL VALLEY COMMUNITY BANCORP (Exact name of registrant as specified in its charter) CALIFORNIA 77-0539125 (State or ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED September 30, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO COMMISSION FILE NUMBER: 000-31977 CENTRAL VALLEY COMMUNITY BANCORP (Exact name of registrant as specified in its charter) California 77-0539125 (State or ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED June 30, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO COMMISSION FILE NUMBER: 000-31977 CENTRAL VALLEY COMMUNITY BANCORP (Exact name of registrant as specified in its charter) California 77-0539125 (State or other ...

Table of Contents` UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED March 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO COMMISSION FILE NUMBER: 000-31977 CENTRAL VALLEY COMMUNITY BANCORP (Exact name of registrant as specified in its charter) California 77-053 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 000-31977 CENTRAL VALLEY COMMUNITY BANCORP (Exact name of registrant as specified in its charter) CALIFORNIA 77-0539125 (State or ...

Table of Contents` UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED September 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO COMMISSION FILE NUMBER: 000-31977 CENTRAL VALLEY COMMUNITY BANCORP (Exact name of registrant as specified in its charter) California 77 ...