Call reports 2009
AMERICAN RIVER BANK — 2009
What AMERICAN RIVER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 553,979,000 | 552,663,000 | 566,504,000 | 592,452,000 |
| Total loans | 417,118,000 | 406,525,000 | 395,264,000 | 384,415,000 |
| Allowance for loan losses | 5,924,000 | 7,763,000 | 7,577,000 | 7,913,000 |
| Securities available for sale | 67,255,000 | 64,892,000 | 65,672,000 | 96,622,000 |
| Securities held to maturity | 21,086,000 | 17,932,000 | 14,617,000 | 12,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,585,000 | 451,292,000 | 465,899,000 | 475,835,000 |
| Interest-bearing deposits | 324,247,000 | 334,572,000 | 346,499,000 | 351,428,000 |
| Noninterest-bearing deposits | 114,338,000 | 116,720,000 | 119,400,000 | 124,407,000 |
| Equity capital | 64,177,000 | 62,488,000 | 64,059,000 | 82,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,770,000 | 15,088,000 | 22,257,000 | 29,153,000 |
| Interest expense | 1,412,000 | 2,715,000 | 3,949,000 | 5,090,000 |
| Net interest income | 6,358,000 | 12,373,000 | 18,308,000 | 24,063,000 |
| Noninterest income | 484,000 | 670,000 | 1,460,000 | 1,939,000 |
| Noninterest expense | 3,539,000 | 7,361,000 | 11,912,000 | 15,586,000 |
| Provision for loan losses | 1,274,000 | 5,172,000 | 6,177,000 | 8,701,000 |
| Pretax income | 2,029,000 | 670,000 | 1,931,000 | 1,985,000 |
| Income tax | 736,000 | 75,000 | 504,000 | 379,000 |
| Net income | 1,293,000 | 595,000 | 1,427,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,676,000 | 45,223,000 | 46,124,000 | 65,381,000 |
| Total capital | 52,208,000 | 50,564,000 | 51,326,000 | 70,445,000 |
| Risk-weighted assets | 442,403,000 | 424,792,000 | 413,560,000 | 407,594,000 |