Community Valley Bank Announces Profitable 2012 Performance Results and Solid Growth

  Community Valley Bank Announces Profitable 2012 Performance Results and
  Solid Growth

Business Wire

EL CENTRO, Calif. -- February 4, 2013

Robert “Bob” Hahn, President and CEO of Community Valley Bank (OTCBB: CMUV),
recently announced Community Valley Bank’s (CVB) year-end results for 2012.
CVB showed solid growth in both earnings and assets. Deposits grew to $90.0
million, gross loans rose to $80.6 million while total assets reached $108.6

Community Valley Bank earned $295,000 in the fourth quarter. The result is a
2012 profit of $621,000. This is a 30% increase from year-end 2011. The Bank
funded $540,000 into CVB’s Allowance for Loan and Lease Losses reaching
$1,434,000 or 1.78% of gross loans. CVB is continuing to aggressively review
its loan risks while growing loan assets in a challenging economy.

The book value of CVB’s common stock (CMUV) is $5.40 per share with market
value at year-end of $5.00 per share. CVB tier one leverage capital ratio was
11.36%, exceeding the regulatory ratio required for designation as a
“well-capitalized bank.”

CVB has become the bank of businesses in Imperial County and beyond. With a
large array of loan products including SBA and USDA loan programs it continues
to provide area businesses with the largest selection of banking opportunities
addressing all their banking needs. CVB welcomes new loans and deposit

“We expect continued growth and success moving into the New Year,” notes Hahn,
CVB’s Chief Executive Officer. “In our continuing efforts to increase
shareholder value, we will be opening a Loan Production office serving the
Coachella Valley area in the first quarter of 2013. We again thank you for
supporting CVB, the only locally owned and locally managed community bank in
the entire Imperial County, “ Hahn adds.

About Community Valley Bank: Community Valley Bank ( is the
Imperial Valley’s ONLY locally owned and locally headquartered bank. CVB was
chartered as a state bank for Imperial Valley businesses on October 1, 2007,
and now has two locations, 1443 Main Street in El Centro and 310 Main Street
in Brawley, California.

Community Valley Bank is a publicly traded company under the symbol CMUV. All
investor related inquiries should be directed to Community Valley Bank’s Chief
Financial Officer, Toni Umphreyville at (760) 352-1889.

                                     December 31, 2012       December 31, 2011
Consolidated Financial
Condition Data
Loans receivable - net             $ 79,195,000            $ 53,956,000
Cash and cash equivalents            21,628,000              23,798,000
Investment Securities                1,003,000               509,000
Federal Home Loan Bank Stock         283,000                 252,000
Other Assets                         6,565,000               8,031,000
Total Assets                       $ 108,674,000          $ 86,546,000    
Deposits                             90,340,000              74,729,000
Borrowings (FHLB)                    6,000,000               0
Mortgage Indebtedness                744,000                 972,000
Other Liabilities                    446,000                 294,000
Total Liabilities                    97,530,000             75,995,000    
Preferred Stock                      2,400,000               2,400,000
Common Stock                         14,271,000              14,255,000
Costs/Dividends                      (52,000       )         (19,000       )
Surplus                              498,000                 496,000
Total Undivided Profits              (5,973,000    )         (6,594,000    )
Unrealized Gain/Loss                 17,000                  13,000
Stockholder's Equity - net           11,144,000              10,551,000
Total Liabilities and              $ 108,674,000          $ 86,546,000    
Shareholder Equity
                                     December 31, 2012       December 31, 2011
Selected Consolidated Earnings
Total Interest Income/Fees         $ 4,665,000             $ 3,698,000
Total Interest Expense               (681,000      )         (585,000      )
Net Interest Income                  3,984,000               3,113,000
Provision For Losses on Loans        (540,000      )         (540,000      )
Net Interest Income After            3,444,000               2,573,000
Provision For Losses on Loans
Total Other Income                   961,000                 1,419,000
(Noninterest Income)
General Administrative and           (3,784,000    )         (3,514,000    )
Other Expenses
Income Tax (Expense) Benefit         (5,000        )         0             
Net Profit/Loss Year To Date       $ 621,000              $ 478,000       


Community Valley Bank
Robert “Bob” Hahn, Chief Executive Officer
Phone (760) 352-1889
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