Call reports 2011
AMERICAN RIVER BANK — 2011
What AMERICAN RIVER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 571,818,000 | 568,205,000 | 579,763,000 | 581,604,000 |
| Total loans | 333,220,000 | 324,982,000 | 314,887,000 | 301,217,000 |
| Allowance for loan losses | 7,362,000 | 7,887,000 | 7,888,000 | 7,041,000 |
| Securities available for sale | 160,033,000 | 165,687,000 | 173,249,000 | 208,651,000 |
| Securities held to maturity | 5,487,000 | 4,983,000 | 4,505,000 | 4,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 471,929,000 | 461,238,000 | 469,515,000 | 467,438,000 |
| Interest-bearing deposits | 335,756,000 | 331,714,000 | 331,444,000 | 328,845,000 |
| Noninterest-bearing deposits | 136,173,000 | 129,524,000 | 138,071,000 | 138,593,000 |
| Equity capital | 85,215,000 | 86,455,000 | 88,495,000 | 89,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,954,000 | 12,321,000 | 18,390,000 | 24,199,000 |
| Interest expense | 725,000 | 1,403,000 | 2,043,000 | 2,608,000 |
| Net interest income | 5,229,000 | 10,918,000 | 16,347,000 | 21,591,000 |
| Noninterest income | 396,000 | 371,000 | 552,000 | 756,000 |
| Noninterest expense | 3,906,000 | 7,597,000 | 11,083,000 | 14,724,000 |
| Provision for loan losses | 1,375,000 | 3,075,000 | 3,625,000 | 3,625,000 |
| Pretax income | 346,000 | 644,000 | 2,544,000 | 4,351,000 |
| Income tax | 73,000 | 120,000 | 821,000 | 1,507,000 |
| Net income | 273,000 | 524,000 | 1,723,000 | 2,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,698,000 | 67,012,000 | 68,293,000 | 69,490,000 |
| Total capital | 71,222,000 | 71,361,000 | 72,627,000 | 73,823,000 |
| Risk-weighted assets | 358,997,000 | 349,644,000 | 343,071,000 | 343,931,000 |