Call reports 2017
AMERICAN RIVIERA BANK — 2017
What AMERICAN RIVIERA BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 466,725,000 | 496,038,000 | 518,294,000 | 515,153,000 |
| Total loans | 383,695,000 | 396,876,000 | 405,948,000 | 414,166,000 |
| Allowance for loan losses | 3,735,000 | 4,001,000 | 4,076,000 | 4,260,000 |
| Securities available for sale | 8,405,000 | 18,694,000 | 22,352,000 | 33,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,727,000 | 439,521,000 | 462,080,000 | 448,756,000 |
| Interest-bearing deposits | 265,066,000 | 280,232,000 | 299,245,000 | 300,424,000 |
| Noninterest-bearing deposits | 146,661,000 | 159,289,000 | 162,835,000 | 148,332,000 |
| Equity capital | 51,883,000 | 53,216,000 | 54,644,000 | 54,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,236,000 | 10,725,000 | 16,605,000 | 22,320,000 |
| Interest expense | 225,000 | 488,000 | 762,000 | 1,038,000 |
| Net interest income | 5,011,000 | 10,237,000 | 15,843,000 | 21,282,000 |
| Noninterest income | 272,000 | 558,000 | 827,000 | 1,063,000 |
| Noninterest expense | 3,300,000 | 6,696,000 | 10,145,000 | 13,736,000 |
| Provision for loan losses | 387,000 | 639,000 | 707,000 | 914,000 |
| Pretax income | 1,596,000 | 3,460,000 | 5,818,000 | 7,695,000 |
| Income tax | 641,000 | 1,342,000 | 2,317,000 | 4,159,000 |
| Net income | 955,000 | 2,118,000 | 3,501,000 | 3,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,857,000 | 46,199,000 | 47,697,000 | 48,438,000 |
| Total capital | 48,722,000 | 50,330,000 | 51,906,000 | 52,835,000 |
| Risk-weighted assets | 403,429,000 | 413,723,000 | 424,305,000 | 432,628,000 |