Call reports 2007
AMERICAN RIVIERA BANK — 2007
What AMERICAN RIVIERA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,621,000 | 54,106,000 | 68,777,000 | 73,187,000 |
| Total loans | 26,654,000 | 42,409,000 | 53,320,000 | 62,185,000 |
| Allowance for loan losses | 297,000 | 481,000 | 614,000 | 717,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,242,000 | 29,856,000 | 48,215,000 | 50,530,000 |
| Interest-bearing deposits | 24,028,000 | 26,017,000 | 44,290,000 | 45,252,000 |
| Noninterest-bearing deposits | 3,214,000 | 3,839,000 | 3,925,000 | 5,278,000 |
| Equity capital | 20,702,000 | 20,312,000 | 19,830,000 | 19,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 683,000 | 1,399,000 | 2,409,000 | 3,594,000 |
| Interest expense | 249,000 | 480,000 | 911,000 | 1,427,000 |
| Net interest income | 434,000 | 919,000 | 1,498,000 | 2,167,000 |
| Noninterest income | 11,000 | 23,000 | 34,000 | 49,000 |
| Noninterest expense | 714,000 | 1,484,000 | 2,489,000 | 3,393,000 |
| Provision for loan losses | 160,000 | 344,000 | 478,000 | 580,000 |
| Pretax income | -429,000 | -886,000 | -1,435,000 | -1,757,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | -431,000 | -888,000 | -1,437,000 | -1,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,702,000 | 20,312,000 | 19,830,000 | 19,576,000 |
| Total capital | 21,019,000 | 20,821,000 | 20,472,000 | 20,324,000 |
| Risk-weighted assets | 40,034,000 | 56,040,000 | 67,853,000 | 75,129,000 |
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