Call reports 2002
AMERICAN RIVER BANK — 2002
What AMERICAN RIVER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 228,923,000 | 237,443,000 | 272,368,000 | 283,866,000 |
| Total loans | 162,914,000 | 172,240,000 | 182,090,000 | 189,055,000 |
| Allowance for loan losses | 2,277,000 | 2,377,000 | 2,584,000 | 2,619,000 |
| Securities available for sale | 30,214,000 | 30,283,000 | 57,090,000 | 51,802,000 |
| Securities held to maturity | 12,131,000 | 10,605,000 | 13,457,000 | 12,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,141,000 | 210,238,000 | 211,769,000 | 223,156,000 |
| Interest-bearing deposits | 142,732,000 | 145,549,000 | 148,241,000 | 153,787,000 |
| Noninterest-bearing deposits | 59,409,000 | 64,689,000 | 63,528,000 | 69,369,000 |
| Equity capital | 23,370,000 | 23,992,000 | 25,804,000 | 26,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,618,000 | 7,290,000 | 11,172,000 | 15,184,000 |
| Interest expense | 673,000 | 1,323,000 | 2,013,000 | 2,676,000 |
| Net interest income | 2,945,000 | 5,967,000 | 9,159,000 | 12,508,000 |
| Noninterest income | 286,000 | 608,000 | 943,000 | 1,279,000 |
| Noninterest expense | 1,449,000 | 2,890,000 | 4,309,000 | 5,817,000 |
| Provision for loan losses | 125,000 | 269,000 | 389,000 | 474,000 |
| Pretax income | 1,657,000 | 3,416,000 | 5,404,000 | 7,496,000 |
| Income tax | 638,000 | 1,331,000 | 2,117,000 | 2,929,000 |
| Net income | 1,019,000 | 2,085,000 | 3,287,000 | 4,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,947,000 | 23,351,000 | 24,555,000 | 24,986,000 |
| Total capital | 25,224,000 | 25,736,000 | 27,144,000 | 27,613,000 |
| Risk-weighted assets | 182,171,000 | 192,713,000 | 210,652,000 | 212,799,000 |