Call reports 2013
AMERICAN RIVIERA BANK — 2013
What AMERICAN RIVIERA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 175,117,000 | 180,188,000 | 173,375,000 | 183,305,000 |
| Total loans | 137,324,000 | 136,264,000 | 134,525,000 | 141,587,000 |
| Allowance for loan losses | 2,315,000 | 2,330,000 | 2,321,000 | 2,066,000 |
| Securities available for sale | 15,907,000 | 11,929,000 | 11,400,000 | 10,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,989,000 | 144,869,000 | 142,501,000 | 152,589,000 |
| Interest-bearing deposits | 106,467,000 | 104,890,000 | 102,563,000 | 113,704,000 |
| Noninterest-bearing deposits | 31,522,000 | 39,979,000 | 39,938,000 | 38,885,000 |
| Equity capital | 23,993,000 | 24,353,000 | 24,869,000 | 25,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,005,000 | 4,060,000 | 6,420,000 | 8,456,000 |
| Interest expense | 113,000 | 230,000 | 343,000 | 457,000 |
| Net interest income | 1,892,000 | 3,830,000 | 6,077,000 | 7,999,000 |
| Noninterest income | 75,000 | 277,000 | 382,000 | 466,000 |
| Noninterest expense | 1,404,000 | 2,900,000 | 4,464,000 | 6,131,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 563,000 | 1,212,000 | 2,000,000 | 2,339,000 |
| Income tax | 224,000 | 481,000 | 797,000 | 938,000 |
| Net income | 339,000 | 731,000 | 1,203,000 | 1,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,549,000 | 22,980,000 | 23,517,000 | 24,463,000 |
| Total capital | 24,271,000 | 24,726,000 | 25,244,000 | 26,295,000 |
| Risk-weighted assets | 137,145,000 | 139,738,000 | 137,518,000 | 146,303,000 |
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