Call reports 2012
AMERICAN RIVIERA BANK — 2012
What AMERICAN RIVIERA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 148,048,000 | 154,025,000 | 162,365,000 | 171,413,000 |
| Total loans | 109,532,000 | 116,982,000 | 117,576,000 | 128,077,000 |
| Allowance for loan losses | 2,185,000 | 2,212,000 | 2,240,000 | 2,573,000 |
| Securities available for sale | 10,926,000 | 8,093,000 | 16,252,000 | 15,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,906,000 | 125,451,000 | 132,895,000 | 141,587,000 |
| Interest-bearing deposits | 96,280,000 | 98,516,000 | 102,635,000 | 98,389,000 |
| Noninterest-bearing deposits | 23,626,000 | 26,935,000 | 30,260,000 | 43,198,000 |
| Equity capital | 22,604,000 | 22,763,000 | 23,248,000 | 23,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,929,000 | 3,891,000 | 5,891,000 | 7,945,000 |
| Interest expense | 138,000 | 276,000 | 401,000 | 520,000 |
| Net interest income | 1,791,000 | 3,615,000 | 5,490,000 | 7,425,000 |
| Noninterest income | 43,000 | -183,000 | -68,000 | 77,000 |
| Noninterest expense | 1,239,000 | 2,499,000 | 3,851,000 | 5,259,000 |
| Provision for loan losses | 320,000 | 320,000 | 320,000 | 320,000 |
| Pretax income | 275,000 | 661,000 | 1,299,000 | 1,971,000 |
| Income tax | 0 | 256,000 | 492,000 | 777,000 |
| Net income | 275,000 | 405,000 | 807,000 | 1,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,704,000 | 20,908,000 | 21,363,000 | 22,268,000 |
| Total capital | 22,270,000 | 22,543,000 | 23,018,000 | 23,950,000 |
| Risk-weighted assets | 123,828,000 | 129,424,000 | 131,013,000 | 133,668,000 |