Call reports 2019
AMERICAN RIVIERA BANK — 2019
What AMERICAN RIVIERA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 638,802,000 | 661,590,000 | 697,342,000 | 719,000,000 |
| Total loans | 520,858,000 | 541,868,000 | 547,956,000 | 578,462,000 |
| Allowance for loan losses | 5,661,000 | 5,883,000 | 6,145,000 | 6,365,000 |
| Securities available for sale | 44,056,000 | 42,897,000 | 41,723,000 | 43,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 546,292,000 | 564,850,000 | 603,276,000 | 621,167,000 |
| Interest-bearing deposits | 359,244,000 | 378,005,000 | 395,633,000 | 404,492,000 |
| Noninterest-bearing deposits | 187,048,000 | 186,845,000 | 207,643,000 | 216,675,000 |
| Equity capital | 70,884,000 | 72,940,000 | 74,542,000 | 76,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,559,000 | 15,212,000 | 23,195,000 | 31,332,000 |
| Interest expense | 967,000 | 2,024,000 | 3,122,000 | 4,249,000 |
| Net interest income | 6,592,000 | 13,188,000 | 20,073,000 | 27,083,000 |
| Noninterest income | 409,000 | 967,000 | 1,527,000 | 2,100,000 |
| Noninterest expense | 4,499,000 | 9,293,000 | 14,422,000 | 19,621,000 |
| Provision for loan losses | 175,000 | 396,000 | 601,000 | 806,000 |
| Pretax income | 2,338,000 | 4,473,000 | 6,669,000 | 8,899,000 |
| Income tax | 570,000 | 1,199,000 | 1,845,000 | 2,506,000 |
| Net income | 1,768,000 | 3,274,000 | 4,824,000 | 6,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,076,000 | 66,851,000 | 68,806,000 | 70,889,000 |
| Total capital | 70,893,000 | 72,897,000 | 75,121,000 | 77,424,000 |
| Risk-weighted assets | 553,596,000 | 578,093,000 | 595,026,000 | 624,582,000 |
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