Call reports 2003
AMERICAN RIVER BANK — 2003
What AMERICAN RIVER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 289,504,000 | 286,643,000 | 292,974,000 | 318,201,000 |
| Total loans | 200,114,000 | 198,336,000 | 203,677,000 | 213,667,000 |
| Allowance for loan losses | 2,830,000 | 2,850,000 | 2,897,000 | 3,097,000 |
| Securities available for sale | 48,530,000 | 44,585,000 | 44,223,000 | 46,381,000 |
| Securities held to maturity | 13,643,000 | 13,795,000 | 17,882,000 | 27,160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,730,000 | 231,189,000 | 239,246,000 | 250,617,000 |
| Interest-bearing deposits | 156,354,000 | 154,807,000 | 158,865,000 | 167,103,000 |
| Noninterest-bearing deposits | 67,376,000 | 76,382,000 | 80,381,000 | 83,514,000 |
| Equity capital | 26,908,000 | 27,665,000 | 28,652,000 | 29,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,900,000 | 7,981,000 | 11,952,000 | 15,912,000 |
| Interest expense | 578,000 | 1,151,000 | 1,651,000 | 2,153,000 |
| Net interest income | 3,322,000 | 6,830,000 | 10,301,000 | 13,759,000 |
| Noninterest income | 316,000 | 632,000 | 1,009,000 | 1,317,000 |
| Noninterest expense | 1,524,000 | 3,037,000 | 4,654,000 | 6,259,000 |
| Provision for loan losses | 164,000 | 347,000 | 546,000 | 764,000 |
| Pretax income | 1,950,000 | 4,078,000 | 6,110,000 | 8,053,000 |
| Income tax | 767,000 | 1,612,000 | 2,411,000 | 3,141,000 |
| Net income | 1,183,000 | 2,466,000 | 3,699,000 | 4,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,817,000 | 26,506,000 | 27,741,000 | 28,949,000 |
| Total capital | 28,546,000 | 29,307,000 | 30,643,000 | 31,971,000 |
| Risk-weighted assets | 217,224,000 | 222,203,000 | 230,534,000 | 240,066,000 |