Call reports 2012
AMERICAN RIVER BANK — 2012
What AMERICAN RIVER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 590,417,000 | 589,794,000 | 584,767,000 | 595,965,000 |
| Total loans | 290,476,000 | 283,849,000 | 276,251,000 | 258,075,000 |
| Allowance for loan losses | 6,265,000 | 6,201,000 | 5,934,000 | 5,781,000 |
| Securities available for sale | 202,772,000 | 221,786,000 | 227,847,000 | 231,780,000 |
| Securities held to maturity | 3,563,000 | 3,049,000 | 2,740,000 | 2,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,507,000 | 476,119,000 | 467,701,000 | 478,923,000 |
| Interest-bearing deposits | 339,928,000 | 337,983,000 | 329,435,000 | 327,056,000 |
| Noninterest-bearing deposits | 140,579,000 | 138,136,000 | 138,266,000 | 151,867,000 |
| Equity capital | 90,703,000 | 92,105,000 | 93,671,000 | 92,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,510,000 | 10,834,000 | 16,168,000 | 21,299,000 |
| Interest expense | 502,000 | 983,000 | 1,454,000 | 1,894,000 |
| Net interest income | 5,008,000 | 9,851,000 | 14,714,000 | 19,405,000 |
| Noninterest income | 486,000 | 939,000 | 1,443,000 | 1,733,000 |
| Noninterest expense | 3,831,000 | 7,502,000 | 11,353,000 | 15,199,000 |
| Provision for loan losses | 580,000 | 955,000 | 1,365,000 | 1,365,000 |
| Pretax income | 1,147,000 | 2,408,000 | 3,515,000 | 4,667,000 |
| Income tax | 354,000 | 681,000 | 914,000 | 1,107,000 |
| Net income | 793,000 | 1,727,000 | 2,601,000 | 3,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,342,000 | 71,342,000 | 72,280,000 | 72,285,000 |
| Total capital | 74,536,000 | 75,486,000 | 76,348,000 | 76,147,000 |
| Risk-weighted assets | 333,882,000 | 329,500,000 | 323,319,000 | 306,827,000 |