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Central Valley Bank, Net charge- offs to loans

2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5610%728
Percentage Net Loans Charged-off: Total real estate loans0.4066%287
Percentage Net Loans Charged-off:Construction & development0.0000%694
Percentage Net Loans Charged-off: Commercial real estate0.7870%207
Percentage Net Loans Charged-off: Multi-family residential1.5233%59
Percentage Net Loans Charged-off: 1-4 family residential0.1609%997
Percentage Net Loans Charged-off: Home equity loans0.0000%682
All other 1-4 family - Percent of loans charged-off, net0.1744%955
Percentage Net Loans Charged-off: Commercial and industrial1.6135%748
Percentage Net Loans Charged-off: Loans to individuals0.5562%3,332
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0446%1,441
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6549%506
Percentage Net Loans Charged-off: Total real estate loans0.4862%216
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate1.0306%137
Percentage Net Loans Charged-off: Multi-family residential1.9731%43
Percentage Net Loans Charged-off: 1-4 family residential0.1147%1,131
Percentage Net Loans Charged-off: Home equity loans0.0000%562
All other 1-4 family - Percent of loans charged-off, net0.1245%1,067
Percentage Net Loans Charged-off: Commercial and industrial1.8372%562
Percentage Net Loans Charged-off: Loans to individuals0.5263%3,012
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0584%1,225
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.8088%415
Percentage Net Loans Charged-off: Total real estate loans0.6369%168
Percentage Net Loans Charged-off:Construction & development0.1008%253
Percentage Net Loans Charged-off: Commercial real estate1.0771%134
Percentage Net Loans Charged-off: Multi-family residential2.1537%29
Percentage Net Loans Charged-off: 1-4 family residential0.2046%677
Percentage Net Loans Charged-off: Home equity loans0.0000%450
All other 1-4 family - Percent of loans charged-off, net0.2220%650
Percentage Net Loans Charged-off: Commercial and industrial2.1452%498
Percentage Net Loans Charged-off: Loans to individuals0.3127%3,626
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1756%845
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7662%445
Percentage Net Loans Charged-off: Total real estate loans0.7242%145
Percentage Net Loans Charged-off:Construction & development1.1121%57
Percentage Net Loans Charged-off: Commercial real estate1.2285%91
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.4474%308
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net0.4848%303
Percentage Net Loans Charged-off: Commercial and industrial1.3170%602
Percentage Net Loans Charged-off: Loans to individuals0.3538%3,022
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.3637%529
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9701%448
Percentage Net Loans Charged-off: Total real estate loans0.4965%322
Percentage Net Loans Charged-off:Construction & development0.7114%181
Percentage Net Loans Charged-off: Commercial real estate1.1691%214
Percentage Net Loans Charged-off: Multi-family residential0.0541%158
Percentage Net Loans Charged-off: 1-4 family residential0.2086%930
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.2256%876
Percentage Net Loans Charged-off: Commercial and industrial2.2032%666
Percentage Net Loans Charged-off: Loans to individuals0.9153%2,247
Percentage Net Loans Charged-off: Credit card loans0.0000%1,629
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease3.2403%254
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9875%394
Percentage Net Loans Charged-off: Total real estate loans0.4822%294
Percentage Net Loans Charged-off:Construction & development0.1398%358
Percentage Net Loans Charged-off: Commercial real estate1.2582%163
Percentage Net Loans Charged-off: Multi-family residential0.0745%116
Percentage Net Loans Charged-off: 1-4 family residential0.2143%771
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.2317%728
Percentage Net Loans Charged-off: Commercial and industrial2.1295%592
Percentage Net Loans Charged-off: Loans to individuals0.9579%1,968
Percentage Net Loans Charged-off: Credit card loans0.0000%1,504
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease3.6763%204
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.1797%339
Percentage Net Loans Charged-off: Total real estate loans0.5064%280
Percentage Net Loans Charged-off:Construction & development0.1080%318
Percentage Net Loans Charged-off: Commercial real estate1.0053%187
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.3250%530
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.3513%492
Percentage Net Loans Charged-off: Commercial and industrial2.5340%456
Percentage Net Loans Charged-off: Loans to individuals0.5567%3,031
Percentage Net Loans Charged-off: Credit card loans0.0000%1,362
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease5.5425%138
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.8942%493
Percentage Net Loans Charged-off: Total real estate loans0.4487%312
Percentage Net Loans Charged-off:Construction & development0.4098%150
Percentage Net Loans Charged-off: Commercial real estate0.7437%162
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.3611%422
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net0.3906%387
Percentage Net Loans Charged-off: Commercial and industrial3.3051%322
Percentage Net Loans Charged-off: Loans to individuals1.2656%1,463
Percentage Net Loans Charged-off: Credit card loans0.0000%1,093
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6849%990
Percentage Net Loans Charged-off: Total real estate loans0.3041%712
Percentage Net Loans Charged-off:Construction & development0.9966%202
Percentage Net Loans Charged-off: Commercial real estate0.5404%456
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential0.1459%1,428
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.1569%1,347
Percentage Net Loans Charged-off: Commercial and industrial1.6832%1,070
Percentage Net Loans Charged-off: Loans to individuals2.0683%798
Percentage Net Loans Charged-off: Credit card loans6.0189%284
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6061%1,020
Percentage Net Loans Charged-off: Total real estate loans0.1505%1,161
Percentage Net Loans Charged-off:Construction & development1.0201%185
Percentage Net Loans Charged-off: Commercial real estate0.1786%708
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.0976%1,498
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.1048%1,413
Percentage Net Loans Charged-off: Commercial and industrial1.9147%786
Percentage Net Loans Charged-off: Loans to individuals1.7629%960
Percentage Net Loans Charged-off: Credit card loans5.7149%332
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6794%889
Percentage Net Loans Charged-off: Total real estate loans0.1245%1,209
Percentage Net Loans Charged-off:Construction & development0.4766%234
Percentage Net Loans Charged-off: Commercial real estate0.1157%672
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.1156%1,190
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.1241%1,125
Percentage Net Loans Charged-off: Commercial and industrial2.2050%702
Percentage Net Loans Charged-off: Loans to individuals2.0960%748
Percentage Net Loans Charged-off: Credit card loans4.3605%538
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.0783%459
Percentage Net Loans Charged-off: Total real estate loans0.1830%755
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.2521%347
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential0.1581%812
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.1691%769
Percentage Net Loans Charged-off: Commercial and industrial2.9364%428
Percentage Net Loans Charged-off: Loans to individuals4.8558%235
Percentage Net Loans Charged-off: Credit card loans9.5694%187
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6069%1,360
Percentage Net Loans Charged-off: Total real estate loans0.2616%856
Percentage Net Loans Charged-off:Construction & development0.4226%362
Percentage Net Loans Charged-off: Commercial real estate0.5656%465
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential0.0815%1,895
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net0.0859%1,802
Percentage Net Loans Charged-off: Commercial and industrial0.2289%3,691
Percentage Net Loans Charged-off: Loans to individuals4.0305%284
Percentage Net Loans Charged-off: Credit card loans3.1646%895
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0445%6,319
Percentage Net Loans Charged-off: Total real estate loans0.0060%3,692
Percentage Net Loans Charged-off:Construction & development0.1693%493
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,436
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,307
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net0.0000%3,123
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,805
Percentage Net Loans Charged-off: Loans to individuals0.3638%4,901
Percentage Net Loans Charged-off: Credit card loans1.9704%1,282
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0939%4,748
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3410%2,052
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0533%6,293
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0589%6,469
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0166%8,106
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0000%8,856
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0000%8,921
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA