Call reports 2016
AMERICAN RIVIERA BANK — 2016
What AMERICAN RIVIERA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 416,152,000 | 428,254,000 | 463,601,000 | 446,303,000 |
| Total loans | 357,821,000 | 358,232,000 | 347,345,000 | 356,473,000 |
| Allowance for loan losses | 2,828,000 | 3,024,000 | 3,226,000 | 3,368,000 |
| Securities available for sale | 7,785,000 | 7,470,000 | 6,581,000 | 5,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,228,000 | 354,168,000 | 392,175,000 | 391,822,000 |
| Interest-bearing deposits | 244,291,000 | 229,366,000 | 256,418,000 | 258,857,000 |
| Noninterest-bearing deposits | 121,937,000 | 124,802,000 | 135,757,000 | 132,965,000 |
| Equity capital | 46,557,000 | 48,104,000 | 49,754,000 | 50,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,816,000 | 10,462,000 | 15,637,000 | 21,097,000 |
| Interest expense | 219,000 | 436,000 | 657,000 | 808,000 |
| Net interest income | 4,597,000 | 10,026,000 | 14,980,000 | 20,289,000 |
| Noninterest income | 209,000 | 507,000 | 808,000 | 1,184,000 |
| Noninterest expense | 4,088,000 | 7,289,000 | 10,441,000 | 13,942,000 |
| Provision for loan losses | 86,000 | 251,000 | 388,000 | 505,000 |
| Pretax income | 632,000 | 2,993,000 | 4,959,000 | 7,026,000 |
| Income tax | 455,000 | 1,387,000 | 1,944,000 | 2,896,000 |
| Net income | 177,000 | 1,606,000 | 3,015,000 | 4,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,253,000 | 43,850,000 | 43,480,000 | 44,117,000 |
| Total capital | 45,282,000 | 47,084,000 | 46,836,000 | 47,615,000 |
| Risk-weighted assets | 377,527,000 | 369,657,000 | 364,428,000 | 380,328,000 |