Call reports 2007
AMERICAN RIVER BANK — 2007
What AMERICAN RIVER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 572,782,000 | 575,435,000 | 565,706,000 | 571,825,000 |
| Total loans | 388,594,000 | 393,791,000 | 393,403,000 | 403,801,000 |
| Allowance for loan losses | 5,980,000 | 6,012,000 | 5,929,000 | 5,923,000 |
| Securities available for sale | 89,674,000 | 85,579,000 | 80,250,000 | 78,910,000 |
| Securities held to maturity | 41,425,000 | 39,294,000 | 37,063,000 | 34,754,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,955,000 | 482,128,000 | 473,491,000 | 456,519,000 |
| Interest-bearing deposits | 338,780,000 | 332,071,000 | 333,108,000 | 322,979,000 |
| Noninterest-bearing deposits | 147,175,000 | 150,057,000 | 140,383,000 | 133,540,000 |
| Equity capital | 59,640,000 | 60,717,000 | 61,486,000 | 60,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,466,000 | 18,966,000 | 28,423,000 | 37,488,000 |
| Interest expense | 2,917,000 | 5,806,000 | 8,580,000 | 11,075,000 |
| Net interest income | 6,549,000 | 13,160,000 | 19,843,000 | 26,413,000 |
| Noninterest income | 627,000 | 1,339,000 | 1,983,000 | 2,534,000 |
| Noninterest expense | 3,484,000 | 7,073,000 | 10,660,000 | 14,032,000 |
| Provision for loan losses | 122,000 | 261,000 | 311,000 | 446,000 |
| Pretax income | 3,570,000 | 7,165,000 | 10,866,000 | 14,480,000 |
| Income tax | 1,367,000 | 2,752,000 | 4,181,000 | 5,542,000 |
| Net income | 2,203,000 | 4,413,000 | 6,685,000 | 8,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,264,000 | 43,748,000 | 44,099,000 | 42,576,000 |
| Total capital | 47,573,000 | 49,207,000 | 49,475,000 | 48,158,000 |
| Risk-weighted assets | 429,143,000 | 437,135,000 | 434,686,000 | 445,691,000 |