Call reports 2013
AMERICAN RIVER BANK — 2013
What AMERICAN RIVER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 587,363,000 | 578,032,000 | 602,568,000 | 592,997,000 |
| Total loans | 251,443,000 | 253,649,000 | 255,549,000 | 257,287,000 |
| Allowance for loan losses | 5,903,000 | 5,680,000 | 5,567,000 | 5,346,000 |
| Securities available for sale | 241,822,000 | 254,585,000 | 268,554,000 | 272,741,000 |
| Securities held to maturity | 1,900,000 | 1,497,000 | 1,303,000 | 1,185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 471,139,000 | 468,137,000 | 491,160,000 | 484,104,000 |
| Interest-bearing deposits | 329,597,000 | 329,194,000 | 345,911,000 | 338,173,000 |
| Noninterest-bearing deposits | 141,542,000 | 138,943,000 | 145,249,000 | 145,931,000 |
| Equity capital | 91,859,000 | 87,696,000 | 89,056,000 | 87,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,651,000 | 9,202,000 | 13,959,000 | 18,881,000 |
| Interest expense | 407,000 | 782,000 | 1,143,000 | 1,490,000 |
| Net interest income | 4,244,000 | 8,420,000 | 12,816,000 | 17,391,000 |
| Noninterest income | 557,000 | 954,000 | 1,398,000 | 1,830,000 |
| Noninterest expense | 3,778,000 | 7,194,000 | 10,614,000 | 14,199,000 |
| Provision for loan losses | 100,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 923,000 | 1,983,000 | 3,419,000 | 4,858,000 |
| Income tax | 209,000 | 530,000 | 1,006,000 | 1,482,000 |
| Net income | 714,000 | 1,453,000 | 2,413,000 | 3,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,512,000 | 70,061,000 | 71,031,000 | 69,705,000 |
| Total capital | 75,254,000 | 73,887,000 | 74,892,000 | 73,685,000 |
| Risk-weighted assets | 297,166,000 | 304,129,000 | 307,321,000 | 317,072,000 |