Call reports 2005
AMERICAN RIVER BANK — 2005
What AMERICAN RIVER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 579,749,000 | 605,221,000 | 612,969,000 | 611,676,000 |
| Total loans | 362,162,000 | 354,536,000 | 367,306,000 | 373,879,000 |
| Allowance for loan losses | 5,730,000 | 5,790,000 | 5,789,000 | 5,726,000 |
| Securities available for sale | 113,858,000 | 124,365,000 | 125,874,000 | 124,125,000 |
| Securities held to maturity | 39,557,000 | 42,687,000 | 47,025,000 | 45,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,978,000 | 511,232,000 | 519,629,000 | 501,026,000 |
| Interest-bearing deposits | 329,579,000 | 355,148,000 | 343,139,000 | 336,309,000 |
| Noninterest-bearing deposits | 148,399,000 | 156,084,000 | 176,490,000 | 164,717,000 |
| Equity capital | 59,134,000 | 60,831,000 | 61,854,000 | 62,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,763,000 | 15,865,000 | 24,509,000 | 33,569,000 |
| Interest expense | 1,359,000 | 2,931,000 | 4,740,000 | 6,751,000 |
| Net interest income | 6,404,000 | 12,934,000 | 19,769,000 | 26,818,000 |
| Noninterest income | 444,000 | 932,000 | 1,432,000 | 1,901,000 |
| Noninterest expense | 3,164,000 | 6,367,000 | 9,575,000 | 12,700,000 |
| Provision for loan losses | 217,000 | 272,000 | 317,000 | 357,000 |
| Pretax income | 3,510,000 | 7,270,000 | 11,357,000 | 15,710,000 |
| Income tax | 1,362,000 | 2,814,000 | 4,401,000 | 6,081,000 |
| Net income | 2,148,000 | 4,456,000 | 6,956,000 | 9,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,257,000 | 42,405,000 | 44,183,000 | 45,602,000 |
| Total capital | 46,494,000 | 47,566,000 | 49,521,000 | 50,797,000 |
| Risk-weighted assets | 417,654,000 | 410,867,000 | 425,187,000 | 428,559,000 |