Central Valley Community BancorpNASDAQ CVCY Stock Report

Central Valley Community Bancorp is a bank holding company for Central Valley Community Bank (the Bank). The Bank conducts a commercial banking business, which includes accepting demand, savings and time deposits and making commercial, real estate and consumer loans. It also provides domestic and international wire transfer services and provides safe deposit boxes and other customary banking services. The Bank also offers Internet banking that consists of inquiry, account status, bill paying, account transfers, and cash management. The Bank has a Real Estate Division, an Agribusiness Center, and an SBA Lending Division. The Real Estate Division processes or assists in processing the majority of the Bank's real estate-related transactions, including interim construction loans for single family residences and commercial buildings. The Bank offers permanent single family residential loans through its mortgage broker services. The Bank operates about 20 full-service banking offices.