Call reports 2008
AMERICAN RIVER BANK — 2008
What AMERICAN RIVER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 585,958,000 | 579,003,000 | 575,311,000 | 561,938,000 |
| Total loans | 406,623,000 | 410,310,000 | 429,181,000 | 419,917,000 |
| Allowance for loan losses | 6,057,000 | 6,151,000 | 6,223,000 | 5,958,000 |
| Securities available for sale | 79,593,000 | 79,191,000 | 63,895,000 | 63,274,000 |
| Securities held to maturity | 32,075,000 | 28,911,000 | 26,655,000 | 24,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,132,000 | 460,829,000 | 437,209,000 | 438,696,000 |
| Interest-bearing deposits | 331,914,000 | 331,480,000 | 315,674,000 | 317,918,000 |
| Noninterest-bearing deposits | 130,218,000 | 129,349,000 | 121,535,000 | 120,778,000 |
| Equity capital | 60,355,000 | 60,953,000 | 61,802,000 | 63,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,579,000 | 16,836,000 | 25,442,000 | 33,562,000 |
| Interest expense | 2,235,000 | 4,093,000 | 5,955,000 | 7,627,000 |
| Net interest income | 6,344,000 | 12,743,000 | 19,487,000 | 25,935,000 |
| Noninterest income | 571,000 | 1,165,000 | 1,737,000 | 2,234,000 |
| Noninterest expense | 3,475,000 | 6,981,000 | 10,565,000 | 14,013,000 |
| Provision for loan losses | 337,000 | 527,000 | 908,000 | 1,743,000 |
| Pretax income | 3,103,000 | 6,433,000 | 9,644,000 | 12,293,000 |
| Income tax | 1,181,000 | 2,452,000 | 3,671,000 | 4,619,000 |
| Net income | 1,922,000 | 3,981,000 | 5,973,000 | 7,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,286,000 | 43,586,000 | 44,899,000 | 46,127,000 |
| Total capital | 47,905,000 | 49,202,000 | 50,632,000 | 51,711,000 |
| Risk-weighted assets | 448,805,000 | 448,648,000 | 458,152,000 | 446,274,000 |