Call reports 2004
AMERICAN RIVER BANK — 2004
What AMERICAN RIVER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 404,002,000 | 430,177,000 | 455,647,000 | 585,874,000 |
| Total loans | 278,037,000 | 273,259,000 | 275,205,000 | 360,868,000 |
| Allowance for loan losses | 4,152,000 | 4,288,000 | 4,539,000 | 5,550,000 |
| Securities available for sale | 61,725,000 | 81,918,000 | 84,551,000 | 115,997,000 |
| Securities held to maturity | 27,941,000 | 37,331,000 | 42,221,000 | 41,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,798,000 | 351,400,000 | 377,212,000 | 478,084,000 |
| Interest-bearing deposits | 230,230,000 | 239,913,000 | 248,269,000 | 331,677,000 |
| Noninterest-bearing deposits | 102,568,000 | 111,487,000 | 128,943,000 | 146,407,000 |
| Equity capital | 36,028,000 | 36,509,000 | 37,956,000 | 61,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,179,000 | 10,610,000 | 16,368,000 | 22,952,000 |
| Interest expense | 692,000 | 1,409,000 | 2,212,000 | 3,218,000 |
| Net interest income | 4,487,000 | 9,201,000 | 14,156,000 | 19,734,000 |
| Noninterest income | 359,000 | 1,299,000 | 1,646,000 | 2,053,000 |
| Noninterest expense | 2,476,000 | 5,184,000 | 7,763,000 | 10,253,000 |
| Provision for loan losses | 198,000 | 429,000 | 695,000 | 895,000 |
| Pretax income | 2,172,000 | 4,887,000 | 7,344,000 | 10,601,000 |
| Income tax | 850,000 | 1,691,000 | 2,657,000 | 3,921,000 |
| Net income | 1,322,000 | 3,196,000 | 4,687,000 | 6,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,865,000 | 36,254,000 | 37,255,000 | 42,192,000 |
| Total capital | 38,724,000 | 40,132,000 | 41,221,000 | 47,448,000 |
| Risk-weighted assets | 306,041,000 | 308,983,000 | 315,240,000 | 418,617,000 |