Call reports 2014
AMERICAN RIVER BANK — 2014
What AMERICAN RIVER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 603,556,000 | 595,425,000 | 615,859,000 | 617,911,000 |
| Total loans | 260,863,000 | 252,021,000 | 253,229,000 | 263,518,000 |
| Allowance for loan losses | 5,373,000 | 5,462,000 | 5,460,000 | 5,301,000 |
| Securities available for sale | 275,161,000 | 279,936,000 | 276,863,000 | 289,014,000 |
| Securities held to maturity | 1,092,000 | 1,015,000 | 935,000 | 862,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,100,000 | 491,170,000 | 510,679,000 | 511,063,000 |
| Interest-bearing deposits | 345,032,000 | 341,689,000 | 350,532,000 | 354,994,000 |
| Noninterest-bearing deposits | 156,068,000 | 149,481,000 | 160,147,000 | 156,069,000 |
| Equity capital | 86,110,000 | 87,722,000 | 88,390,000 | 89,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,996,000 | 10,063,000 | 15,029,000 | 19,965,000 |
| Interest expense | 304,000 | 595,000 | 882,000 | 1,168,000 |
| Net interest income | 4,692,000 | 9,468,000 | 14,147,000 | 18,797,000 |
| Noninterest income | 633,000 | 1,146,000 | 1,673,000 | 2,132,000 |
| Noninterest expense | 3,627,000 | 7,199,000 | 10,811,000 | 14,444,000 |
| Provision for loan losses | 0 | 0 | -200,000 | -541,000 |
| Pretax income | 1,698,000 | 3,432,000 | 5,309,000 | 7,234,000 |
| Income tax | 599,000 | 1,211,000 | 1,882,000 | 2,531,000 |
| Net income | 1,099,000 | 2,221,000 | 3,427,000 | 4,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,564,000 | 67,698,000 | 68,923,000 | 70,216,000 |
| Total capital | 71,531,000 | 71,521,000 | 72,905,000 | 74,277,000 |
| Risk-weighted assets | 318,517,000 | 315,801,000 | 316,958,000 | 323,653,000 |