Call reports 2009
AMERICAN RIVIERA BANK — 2009
What AMERICAN RIVIERA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 131,575,000 | 130,348,000 | 134,500,000 | 133,145,000 |
| Total loans | 91,172,000 | 103,737,000 | 104,757,000 | 105,945,000 |
| Allowance for loan losses | 1,107,000 | 1,433,000 | 2,695,000 | 2,578,000 |
| Securities available for sale | 11,006,000 | 8,950,000 | 5,938,000 | 5,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,167,000 | 103,883,000 | 109,222,000 | 105,621,000 |
| Interest-bearing deposits | 97,967,000 | 96,071,000 | 97,403,000 | 95,441,000 |
| Noninterest-bearing deposits | 7,200,000 | 7,812,000 | 11,819,000 | 10,179,000 |
| Equity capital | 19,538,000 | 19,527,000 | 17,343,000 | 17,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,715,000 | 3,586,000 | 5,459,000 | 7,287,000 |
| Interest expense | 701,000 | 1,307,000 | 1,815,000 | 2,257,000 |
| Net interest income | 1,014,000 | 2,279,000 | 3,644,000 | 5,030,000 |
| Noninterest income | 4,000 | 9,000 | -294,000 | -347,000 |
| Noninterest expense | 966,000 | 2,012,000 | 3,028,000 | 3,898,000 |
| Provision for loan losses | 46,000 | 373,000 | 2,571,000 | 2,706,000 |
| Pretax income | 6,000 | -97,000 | -2,229,000 | -1,901,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 5,000 | -98,000 | -2,230,000 | -1,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,555,000 | 19,501,000 | 17,303,000 | 17,646,000 |
| Total capital | 20,688,000 | 20,961,000 | 18,818,000 | 19,186,000 |
| Risk-weighted assets | 108,616,000 | 119,346,000 | 119,918,000 | 121,409,000 |
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