Call reports 2015
AMERICAN RIVER BANK — 2015
What AMERICAN RIVER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 605,993,000 | 617,433,000 | 625,135,000 | 634,549,000 |
| Total loans | 266,408,000 | 280,709,000 | 294,703,000 | 294,162,000 |
| Allowance for loan losses | 5,308,000 | 5,359,000 | 4,929,000 | 4,975,000 |
| Securities available for sale | 281,374,000 | 276,162,000 | 266,694,000 | 273,773,000 |
| Securities held to maturity | 802,000 | 740,000 | 674,000 | 623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,279,000 | 512,149,000 | 521,450,000 | 531,078,000 |
| Interest-bearing deposits | 342,569,000 | 338,658,000 | 343,332,000 | 340,142,000 |
| Noninterest-bearing deposits | 158,710,000 | 173,491,000 | 178,118,000 | 190,936,000 |
| Equity capital | 88,171,000 | 88,550,000 | 86,682,000 | 86,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,902,000 | 10,184,000 | 15,643,000 | 20,968,000 |
| Interest expense | 248,000 | 491,000 | 732,000 | 961,000 |
| Net interest income | 4,654,000 | 9,693,000 | 14,911,000 | 20,007,000 |
| Noninterest income | 366,000 | 847,000 | 1,328,000 | 1,785,000 |
| Noninterest expense | 3,596,000 | 6,882,000 | 10,202,000 | 13,515,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,591,000 | 3,876,000 | 6,288,000 | 8,528,000 |
| Income tax | 538,000 | 1,347,000 | 2,209,000 | 2,915,000 |
| Net income | 1,053,000 | 2,529,000 | 4,079,000 | 5,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,319,000 | 68,837,000 | 66,527,000 | 68,079,000 |
| Total capital | 71,496,000 | 73,208,000 | 70,971,000 | 72,549,000 |
| Risk-weighted assets | 332,943,000 | 348,629,000 | 354,939,000 | 356,964,000 |