Call reports 2019
AMERICAN RIVER BANK — 2019
What AMERICAN RIVER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 689,566,000 | 689,890,000 | 721,743,000 | 720,971,000 |
| Total loans | 340,575,000 | 363,285,000 | 374,874,000 | 398,799,000 |
| Allowance for loan losses | 4,577,000 | 4,761,000 | 4,953,000 | 5,138,000 |
| Securities available for sale | 286,602,000 | 264,763,000 | 276,055,000 | 261,965,000 |
| Securities held to maturity | 277,000 | 264,000 | 256,000 | 248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 572,518,000 | 581,256,000 | 612,957,000 | 605,162,000 |
| Interest-bearing deposits | 359,367,000 | 367,125,000 | 384,386,000 | 377,782,000 |
| Noninterest-bearing deposits | 213,151,000 | 214,131,000 | 228,571,000 | 227,380,000 |
| Equity capital | 78,009,000 | 81,465,000 | 83,494,000 | 83,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,132,000 | 12,408,000 | 18,963,000 | 25,670,000 |
| Interest expense | 583,000 | 1,231,000 | 1,858,000 | 2,461,000 |
| Net interest income | 5,549,000 | 11,177,000 | 17,105,000 | 23,209,000 |
| Noninterest income | 398,000 | 818,000 | 1,245,000 | 1,560,000 |
| Noninterest expense | 4,073,000 | 8,046,000 | 11,963,000 | 16,028,000 |
| Provision for loan losses | 180,000 | 360,000 | 480,000 | 660,000 |
| Pretax income | 1,730,000 | 3,654,000 | 5,981,000 | 8,196,000 |
| Income tax | 450,000 | 948,000 | 1,567,000 | 2,136,000 |
| Net income | 1,280,000 | 2,706,000 | 4,414,000 | 6,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,740,000 | 62,927,000 | 64,277,000 | 65,467,000 |
| Total capital | 66,417,000 | 67,788,000 | 69,330,000 | 70,705,000 |
| Risk-weighted assets | 387,320,000 | 400,816,000 | 413,444,000 | 439,010,000 |