Call reports 2016
AMERICAN RIVER BANK — 2016
What AMERICAN RIVER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 626,328,000 | 626,952,000 | 654,039,000 | 651,205,000 |
| Total loans | 297,336,000 | 310,288,000 | 318,283,000 | 328,901,000 |
| Allowance for loan losses | 5,082,000 | 5,132,000 | 4,983,000 | 4,822,000 |
| Securities available for sale | 260,773,000 | 254,438,000 | 253,458,000 | 253,975,000 |
| Securities held to maturity | 573,000 | 540,000 | 508,000 | 483,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,939,000 | 526,224,000 | 546,394,000 | 545,179,000 |
| Interest-bearing deposits | 335,234,000 | 330,030,000 | 336,579,000 | 343,693,000 |
| Noninterest-bearing deposits | 188,705,000 | 196,194,000 | 209,815,000 | 201,486,000 |
| Equity capital | 85,715,000 | 83,849,000 | 84,997,000 | 84,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,276,000 | 10,505,000 | 15,809,000 | 21,153,000 |
| Interest expense | 234,000 | 455,000 | 678,000 | 910,000 |
| Net interest income | 5,042,000 | 10,050,000 | 15,131,000 | 20,243,000 |
| Noninterest income | 239,000 | 635,000 | 1,068,000 | 1,711,000 |
| Noninterest expense | 3,401,000 | 6,700,000 | 9,973,000 | 13,238,000 |
| Provision for loan losses | 0 | 0 | -668,000 | -1,344,000 |
| Pretax income | 2,162,000 | 4,266,000 | 7,208,000 | 10,374,000 |
| Income tax | 698,000 | 1,410,000 | 2,457,000 | 3,629,000 |
| Net income | 1,464,000 | 2,856,000 | 4,751,000 | 6,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,720,000 | 63,367,000 | 65,319,000 | 67,369,000 |
| Total capital | 70,123,000 | 67,867,000 | 69,829,000 | 71,822,000 |
| Risk-weighted assets | 351,443,000 | 359,289,000 | 360,262,000 | 355,822,000 |