INCOME TAXES 35 Notes to Consolidated Financial Statements (Continued) December 31, 2014 December 31, 2013 Amount Ratio Amount Ratioor a continued decline in real estate values or drought-related decline in agricultural business in the Company’s primary market area could have an adverse (Dollars in thousands) impact on collectability, increase the level of real-estate-related nonperforming Tier 1 Leverage Ratio loans, or have other adverse effects which alone or in the aggregate could have a Central Valley Communitymaterial adverse effect on the financial condition, results of operations and cash Bancorp and Subsidiary $ 95,936 8.36% $ 88,320 8.14%flows of the Company.