Call reports 2014
AMERICAN RIVIERA BANK — 2014
What AMERICAN RIVIERA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 188,375,000 | 217,024,000 | 219,633,000 | 225,203,000 |
| Total loans | 148,260,000 | 158,361,000 | 161,690,000 | 164,602,000 |
| Allowance for loan losses | 2,114,000 | 2,132,000 | 2,233,000 | 2,066,000 |
| Securities available for sale | 8,871,000 | 8,552,000 | 7,327,000 | 6,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,387,000 | 180,425,000 | 183,281,000 | 195,338,000 |
| Interest-bearing deposits | 114,967,000 | 136,206,000 | 133,655,000 | 138,162,000 |
| Noninterest-bearing deposits | 42,420,000 | 44,219,000 | 49,626,000 | 57,176,000 |
| Equity capital | 25,454,000 | 25,892,000 | 26,317,000 | 26,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,114,000 | 4,366,000 | 6,673,000 | 8,985,000 |
| Interest expense | 114,000 | 233,000 | 358,000 | 472,000 |
| Net interest income | 2,000,000 | 4,133,000 | 6,315,000 | 8,513,000 |
| Noninterest income | 76,000 | 147,000 | 242,000 | 336,000 |
| Noninterest expense | 1,601,000 | 3,170,000 | 4,878,000 | 6,572,000 |
| Provision for loan losses | 0 | 0 | 0 | -290,000 |
| Pretax income | 475,000 | 1,110,000 | 1,679,000 | 2,567,000 |
| Income tax | 189,000 | 442,000 | 646,000 | 998,000 |
| Net income | 286,000 | 668,000 | 1,033,000 | 1,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,693,000 | 25,131,000 | 25,555,000 | 26,196,000 |
| Total capital | 26,563,000 | 27,147,000 | 27,606,000 | 28,340,000 |
| Risk-weighted assets | 149,299,000 | 161,139,000 | 163,836,000 | 174,403,000 |
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