Call reports 2015
AMERICAN RIVIERA BANK — 2015
What AMERICAN RIVIERA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 230,318,000 | 224,435,000 | 227,060,000 | 248,809,000 |
| Total loans | 165,920,000 | 171,481,000 | 191,373,000 | 211,832,000 |
| Allowance for loan losses | 2,107,000 | 2,155,000 | 2,374,000 | 2,703,000 |
| Securities available for sale | 8,255,000 | 7,429,000 | 6,184,000 | 5,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,377,000 | 195,011,000 | 198,034,000 | 219,009,000 |
| Interest-bearing deposits | 143,847,000 | 136,812,000 | 135,477,000 | 146,441,000 |
| Noninterest-bearing deposits | 56,530,000 | 58,199,000 | 62,557,000 | 72,568,000 |
| Equity capital | 27,454,000 | 27,889,000 | 28,077,000 | 28,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,406,000 | 4,821,000 | 7,420,000 | 10,239,000 |
| Interest expense | 108,000 | 214,000 | 306,000 | 406,000 |
| Net interest income | 2,298,000 | 4,607,000 | 7,114,000 | 9,833,000 |
| Noninterest income | 156,000 | 305,000 | 430,000 | 560,000 |
| Noninterest expense | 1,720,000 | 3,574,000 | 5,598,000 | 7,590,000 |
| Provision for loan losses | 0 | 0 | 163,000 | 353,000 |
| Pretax income | 734,000 | 1,338,000 | 1,783,000 | 2,450,000 |
| Income tax | 291,000 | 533,000 | 847,000 | 1,148,000 |
| Net income | 443,000 | 805,000 | 936,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,443,000 | 27,906,000 | 28,091,000 | 28,499,000 |
| Total capital | 29,595,000 | 30,139,000 | 30,546,000 | 31,241,000 |
| Risk-weighted assets | 172,156,000 | 180,834,000 | 196,798,000 | 219,342,000 |