贷款情况 - 2022年12月31日，银行的总贷款额为1,256,304,000美元[5] - 银行的商业和工业贷款总额为141,197,000美元，其中包括333,000美元的PPP贷款[6] - 银行贷款的82.5%为房地产抵押贷款，14.3%为商业贷款[7] - 银行的贷款主要由房地产抵押贷款和商业贷款构成，业务主要集中在加利福尼亚的特定地区[8] 市场份额 - 银行在Fresno、Madera、Merced、Placer、Sacramento、San Joaquin、Stanislaus和Tulare等县的市场份额在2022年为3.66%[10] 公司贷款组合 - 公司的贷款组合总额为1,256,304,000美元[5] - 公司的商业和工业贷款总额为141,197,000美元，其中包括333,000美元的PPP贷款[6] - 公司的房地产建设和其他土地贷款总额为109,175,000美元[6] - 公司的其他房地产贷款总额为801,706,000美元[6] - 公司的股本贷款和信用额度总额为123,581,000美元[6] - 公司的消费者分期贷款总额为40,252,000美元[6] - 公司的贷款主要以房地产抵押为主，占投资贷款组合的82.5%[7] 法律法规 - 公司和银行需遵守联邦银行机构管理的各种监管资本要求[21] - 公司和银行必须保持“保守缓冲区”，即普通股Tier 1资本至少高出所需最低水平的2.5%[22] - 公司受到反洗钱和反恐怖融资法律的监管，需遵守美国制裁的相关规定[23] - 根据格拉姆-利奇-布莱利法案（GLBA），银行必须遵守有关消费者隐私和非公开个人信息披露的要求[25] - 社区再投资法案（CRA）旨在鼓励银行满足整个社区的信贷需求，银行最近的CRA评级为“满意”[26] - 美国银行受到许多联邦消费者保护法律和法规的监管，包括ECOA、TILA、FHA、HMDA和RESPA等[27] - 美国消费者金融保护局（CFPB）拥有广泛的监管和执法权力，对金融机构进行监督检查[28] - Dodd-Frank法案要求金融机构建立禁止激励性薪酬安排的规定，以防止不当风险[31] 风险管理 - 公司和银行的资本比率超过了资本充足性的最低要求，银行符合“资本充足”机构的定义[21] - 为了被认为是充足资本，公司和银行需要至少有4.5%或更多的普通股Tier 1资本比率，4.0%或更多的Tier 1杠杆比率，6.0%或更多的Tier 1风险加权比率和8.0%或更多的总风险加权比率[21] - 公司和银行必须保持“保守缓冲区”，其中包括至少高出每个所需最低水平2.5%的普通股Tier 1资本[22] 监管要求 - 美国银行保密法和反洗钱法在2021年经历了全面改革和现代化，其中包括AML法案的采纳，要求金融机构制定评估技术和内部流程以符合BSA合规性的标准[24] - 根据GLBA，金融机构必须实施关于消费者隐私和非公开个人信息披露的要求[25] - CRA旨在鼓励受保险存款机构在安全和稳健的情况下帮助满足社区的信贷需求[26] - CFPB拥有广泛的制定规则、监督和执法权力，对金融机构的监督、检查和执法具有重要影响[28] - Dodd-Frank法案创建了CFPB，该机构在各种联邦消费者金融保护法律下拥有广泛的制定规则、监督和执法权力[29] - 美国联邦存款保险公司（FDIC）是一个独立的联邦机构，负责保险联邦受保银行和储蓄机构的存款，最高保险金额为每个账户拥有类别的250,000美元[30]

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 ...