CVB Financial Corp. (CVB) is a bank holding company of Citizens Business Bank (the Bank). The Company�s primary operations are related to banking activities, including the acceptance of deposits and the lending and investing of money through the operations of the Bank. The Bank also provides automobile and equipment leasing to customers through its Citizens Financial Services Group and trust and investment-related services to customers through its CitizensTrust Division. The Bank�s customers consist primarily of small to mid-sized businesses and individuals located in San Bernardino County, Riverside County, Orange County, Los Angeles County, Madera County, Fresno County, Tulare County, Kern County and San Joaquin County. As of December 31, 2011, the Bank operated 42 Business Financial Centers, five Commercial Banking Centers, and two trust office locations. It operates in two segments: Business Financial and Commercial Banking Centers (Centers) and Treasury.