Call reports 2010
AMERICAN RIVER BANK — 2010
What AMERICAN RIVER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 583,152,000 | 578,720,000 | 580,630,000 | 577,408,000 |
| Total loans | 371,242,000 | 361,005,000 | 352,675,000 | 346,315,000 |
| Allowance for loan losses | 8,379,000 | 7,441,000 | 7,447,000 | 7,585,000 |
| Securities available for sale | 114,467,000 | 131,333,000 | 131,763,000 | 154,455,000 |
| Securities held to maturity | 10,529,000 | 8,445,000 | 7,189,000 | 6,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,211,000 | 469,659,000 | 475,937,000 | 471,277,000 |
| Interest-bearing deposits | 352,823,000 | 340,648,000 | 341,024,000 | 338,486,000 |
| Noninterest-bearing deposits | 122,388,000 | 129,011,000 | 134,913,000 | 132,791,000 |
| Equity capital | 83,886,000 | 84,989,000 | 85,238,000 | 84,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,722,000 | 13,203,000 | 19,555,000 | 25,706,000 |
| Interest expense | 942,000 | 1,833,000 | 2,671,000 | 3,450,000 |
| Net interest income | 5,780,000 | 11,370,000 | 16,884,000 | 22,256,000 |
| Noninterest income | 136,000 | 491,000 | 790,000 | 858,000 |
| Noninterest expense | 3,833,000 | 7,668,000 | 11,421,000 | 15,183,000 |
| Provision for loan losses | 1,637,000 | 3,648,000 | 5,673,000 | 7,361,000 |
| Pretax income | 448,000 | 540,000 | 576,000 | 577,000 |
| Income tax | 113,000 | 78,000 | 21,000 | -122,000 |
| Net income | 335,000 | 462,000 | 555,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,788,000 | 65,994,000 | 66,159,000 | 66,369,000 |
| Total capital | 70,706,000 | 70,811,000 | 70,846,000 | 71,003,000 |
| Risk-weighted assets | 389,910,000 | 382,677,000 | 372,135,000 | 370,520,000 |