Call reports 2018
AMERICAN RIVIERA BANK — 2018
What AMERICAN RIVIERA BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 539,859,000 | 591,259,000 | 589,115,000 | 616,574,000 |
| Total loans | 432,359,000 | 477,837,000 | 489,401,000 | 508,397,000 |
| Allowance for loan losses | 4,529,000 | 4,895,000 | 5,196,000 | 5,543,000 |
| Securities available for sale | 38,861,000 | 48,179,000 | 46,482,000 | 45,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,330,000 | 531,612,000 | 503,647,000 | 513,307,000 |
| Interest-bearing deposits | 317,450,000 | 363,003,000 | 337,502,000 | 343,758,000 |
| Noninterest-bearing deposits | 154,880,000 | 168,609,000 | 166,145,000 | 169,549,000 |
| Equity capital | 55,830,000 | 57,486,000 | 59,061,000 | 60,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,985,000 | 12,489,000 | 19,441,000 | 26,952,000 |
| Interest expense | 287,000 | 711,000 | 1,339,000 | 2,093,000 |
| Net interest income | 5,698,000 | 11,778,000 | 18,102,000 | 24,859,000 |
| Noninterest income | 302,000 | 599,000 | 926,000 | 1,079,000 |
| Noninterest expense | 3,894,000 | 7,828,000 | 11,951,000 | 16,298,000 |
| Provision for loan losses | 268,000 | 631,000 | 925,000 | 1,294,000 |
| Pretax income | 1,838,000 | 3,932,000 | 6,151,000 | 8,336,000 |
| Income tax | 486,000 | 1,105,000 | 1,755,000 | 2,446,000 |
| Net income | 1,352,000 | 2,827,000 | 4,396,000 | 5,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,635,000 | 51,518,000 | 53,553,000 | 55,250,000 |
| Total capital | 54,304,000 | 56,547,000 | 58,928,000 | 60,941,000 |
| Risk-weighted assets | 456,508,000 | 501,941,000 | 517,655,000 | 536,330,000 |