Call reports 2020
AMERICAN RIVIERA BANK — 2020
What AMERICAN RIVIERA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 743,468,000 | 902,503,000 | 930,169,000 | 971,507,000 |
| Total loans | 603,632,000 | 731,837,000 | 720,912,000 | 726,068,000 |
| Allowance for loan losses | 7,171,000 | 7,890,000 | 8,040,000 | 8,467,000 |
| Securities available for sale | 50,470,000 | 57,042,000 | 73,831,000 | 86,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 645,450,000 | 793,156,000 | 828,805,000 | 872,097,000 |
| Interest-bearing deposits | 426,119,000 | 464,408,000 | 497,769,000 | 539,102,000 |
| Noninterest-bearing deposits | 219,331,000 | 328,748,000 | 331,036,000 | 332,995,000 |
| Equity capital | 77,237,000 | 79,725,000 | 82,101,000 | 84,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,260,000 | 16,969,000 | 25,962,000 | 35,437,000 |
| Interest expense | 915,000 | 1,464,000 | 1,819,000 | 2,114,000 |
| Net interest income | 7,345,000 | 15,505,000 | 24,143,000 | 33,323,000 |
| Noninterest income | 634,000 | 1,035,000 | 1,474,000 | 2,087,000 |
| Noninterest expense | 5,531,000 | 11,232,000 | 16,955,000 | 23,094,000 |
| Provision for loan losses | 783,000 | 1,493,000 | 1,702,000 | 2,120,000 |
| Pretax income | 1,639,000 | 3,828,000 | 7,067,000 | 10,341,000 |
| Income tax | 468,000 | 1,092,000 | 2,067,000 | 2,963,000 |
| Net income | 1,171,000 | 2,736,000 | 5,000,000 | 7,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,133,000 | 74,075,000 | 76,530,000 | 79,107,000 |
| Total capital | 79,473,000 | 82,135,000 | 84,626,000 | 87,714,000 |
| Risk-weighted assets | 645,995,000 | 654,740,000 | 647,590,000 | 690,877,000 |
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