Call reports 2006
AMERICAN RIVER BANK — 2006
What AMERICAN RIVER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 612,276,000 | 612,241,000 | 591,404,000 | 602,555,000 |
| Total loans | 380,926,000 | 400,613,000 | 383,196,000 | 391,912,000 |
| Allowance for loan losses | 5,814,000 | 5,971,000 | 5,920,000 | 5,918,000 |
| Securities available for sale | 119,079,000 | 111,972,000 | 109,518,000 | 104,149,000 |
| Securities held to maturity | 41,715,000 | 38,751,000 | 36,501,000 | 44,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,521,000 | 481,207,000 | 493,750,000 | 494,214,000 |
| Interest-bearing deposits | 334,121,000 | 325,328,000 | 338,895,000 | 333,300,000 |
| Noninterest-bearing deposits | 162,400,000 | 155,879,000 | 154,855,000 | 160,914,000 |
| Equity capital | 63,615,000 | 62,505,000 | 61,993,000 | 63,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,223,000 | 18,583,000 | 28,329,000 | 37,969,000 |
| Interest expense | 2,326,000 | 5,089,000 | 8,029,000 | 10,889,000 |
| Net interest income | 6,897,000 | 13,494,000 | 20,300,000 | 27,080,000 |
| Noninterest income | 523,000 | 1,215,000 | 1,809,000 | 2,402,000 |
| Noninterest expense | 3,397,000 | 6,823,000 | 10,229,000 | 13,549,000 |
| Provision for loan losses | 84,000 | 240,000 | 272,000 | 331,000 |
| Pretax income | 3,939,000 | 7,646,000 | 11,608,000 | 15,602,000 |
| Income tax | 1,555,000 | 3,017,000 | 4,585,000 | 6,061,000 |
| Net income | 2,384,000 | 4,629,000 | 7,023,000 | 9,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,734,000 | 45,946,000 | 44,628,000 | 45,843,000 |
| Total capital | 52,026,000 | 51,552,000 | 50,063,000 | 51,284,000 |
| Risk-weighted assets | 428,264,000 | 450,492,000 | 434,226,000 | 434,742,000 |