Central Valley Community Bancorp reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2016. For the quarter, total interest income was $13,091,000 against $10,894,000 a year ago. Net interest income before provision for credit losses was $12,773,000 against $10,638,000 a year ago. Net interest income after provision for credit losses was $12,773,000 against $10,638,000 a year ago. Income before provision for income taxes was $4,098,000 against $3,514,000 a year ago. Net income was $2,606,000 or $0.21 per diluted share against of $2,903,000 or $0.27 per diluted share a year ago. Return on average assets was 0.72% against of 0.92% a year ago. Return on average equity was 6.19% against 8.42% a year ago. The decrease in ROE reflects a decrease in net income, as well as an increase in shareholders' equity. Annualized return on average assets ROA was 0.72% for the fourth quarter of 2016 compared to 0.92% for the same period in 2015. This decrease is due to a decrease in net income and an increase in average assets. The decrease in net income during the fourth quarter of 2016 compared to the same period in 2015 is primarily due to an increase in non-interest expenses of $1.9 million, as well as an increase in the provision for income taxes of $881,000, and offset by an increase in net interest income of $2.1 million. For the year, total interest income was $46,676,000 against $41,822,000 a year ago. Net interest income before provision for credit losses was $45,580,000 against $40,775,000 a year ago. Net interest income after provision for credit losses was $51,430,000 against $40,175,000 a year ago. Income before provision for income taxes was $22,099,000 against $13,546,000 a year ago. Net income was $15,182,000 or $1.33 per basic and diluted share against $10,964,000 or $1.00 per diluted share a year ago. Net income for the year increased 38.47% in 2016 compared to 2015, primarily driven by a decrease in provision for credit losses as well as an increase in net interest income, partially offset by an increase in non-interest expenses, and an increase in provision for income taxes. Net interest income before the provision for credit losses for the year ended December 31, 2016 was $45,580,000, compared to $40,775,000 for the year ended December 31, 2015, an increase of $4,805,000 or 11.78%. Return on average equity for the year ended December 31, 2016 was 9.84%, compared to 8.12% for the year ended December 31, 2015. Annualized return on average assets ROA was 1.15% for the year ended December 31, 2016 and 0.90% for the year ended December 31, 2015.