Call reports 2025
AMERICAN RIVIERA BANK — 2025
What AMERICAN RIVIERA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,288,204,000 | 1,299,874,000 | 1,421,889,000 | 1,366,841,000 |
| Total loans | 994,788,000 | 1,020,262,000 | 1,041,839,000 | 1,081,696,000 |
| Allowance for loan losses | 11,859,000 | 12,497,000 | 12,689,000 | 12,689,000 |
| Securities available for sale | 175,644,000 | 161,946,000 | 164,335,000 | 169,660,000 |
| Securities held to maturity | 41,416,000 | 41,394,000 | 41,414,000 | 41,433,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,141,924,000 | 1,137,783,000 | 1,274,796,000 | 1,213,783,000 |
| Interest-bearing deposits | 689,361,000 | 683,942,000 | 778,384,000 | 748,301,000 |
| Noninterest-bearing deposits | 452,563,000 | 453,841,000 | 496,412,000 | 465,482,000 |
| Equity capital | 134,213,000 | 137,547,000 | 134,285,000 | 140,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 15,348,000 | 31,037,000 | 47,788,000 | 65,566,000 |
| Interest expense | 3,986,000 | 8,043,000 | 12,363,000 | 16,646,000 |
| Net interest income | 11,362,000 | 22,994,000 | 35,425,000 | 48,920,000 |
| Noninterest income | 820,000 | 1,749,000 | 2,688,000 | 3,571,000 |
| Noninterest expense | 8,250,000 | 16,365,000 | 24,858,000 | 33,793,000 |
| Provision for loan losses | 287,000 | 924,000 | 1,117,000 | 1,117,000 |
| Pretax income | 3,565,000 | 7,469,000 | 11,912,000 | 17,605,000 |
| Income tax | 980,000 | 1,965,000 | 3,205,000 | 4,082,000 |
| Net income | 2,585,000 | 5,504,000 | 8,707,000 | 13,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,424,000 | 150,596,000 | 144,116,000 | 149,243,000 |
| Total capital | 160,414,000 | 164,087,000 | 158,022,000 | 162,908,000 |
| Risk-weighted assets | 1,105,181,000 | 1,120,985,000 | 1,147,640,000 | 1,190,587,000 |
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