Call reports 2008
AMERICAN RIVIERA BANK — 2008
What AMERICAN RIVIERA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 79,611,000 | 92,909,000 | 96,355,000 | 111,042,000 |
| Total loans | 67,189,000 | 78,211,000 | 79,827,000 | 87,120,000 |
| Allowance for loan losses | 780,000 | 924,000 | 1,051,000 | 1,060,000 |
| Securities available for sale | 0 | 3,000,000 | 4,017,000 | 11,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,539,000 | 65,781,000 | 70,219,000 | 84,672,000 |
| Interest-bearing deposits | 52,740,000 | 59,139,000 | 65,021,000 | 77,770,000 |
| Noninterest-bearing deposits | 5,799,000 | 6,642,000 | 5,198,000 | 6,902,000 |
| Equity capital | 19,271,000 | 19,293,000 | 19,374,000 | 19,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,678,000 | 4,203,000 | 5,810,000 |
| Interest expense | 518,000 | 1,006,000 | 1,537,000 | 2,130,000 |
| Net interest income | 739,000 | 1,672,000 | 2,666,000 | 3,680,000 |
| Noninterest income | 18,000 | 11,000 | 29,000 | 31,000 |
| Noninterest expense | 999,000 | 1,801,000 | 2,646,000 | 3,580,000 |
| Provision for loan losses | 64,000 | 208,000 | 334,000 | 344,000 |
| Pretax income | -306,000 | -326,000 | -285,000 | -213,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -307,000 | -327,000 | -286,000 | -214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,271,000 | 19,293,000 | 19,374,000 | 19,499,000 |
| Total capital | 20,079,000 | 20,248,000 | 20,458,000 | 20,585,000 |
| Risk-weighted assets | 80,481,000 | 93,898,000 | 94,642,000 | 101,152,000 |
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