Call reports 2020
AMERICAN RIVER BANK — 2020
What AMERICAN RIVER BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 715,876,000 | 870,689,000 | 858,463,000 | 869,419,000 |
| Total loans | 393,702,000 | 466,568,000 | 478,171,000 | 478,447,000 |
| Allowance for loan losses | 5,637,000 | 6,198,000 | 6,616,000 | 6,628,000 |
| Securities available for sale | 255,624,000 | 252,120,000 | 266,917,000 | 306,966,000 |
| Securities held to maturity | 240,000 | 233,000 | 15,000 | 12,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 603,143,000 | 741,713,000 | 728,925,000 | 744,425,000 |
| Interest-bearing deposits | 373,343,000 | 431,148,000 | 432,969,000 | 414,082,000 |
| Noninterest-bearing deposits | 229,800,000 | 310,565,000 | 295,956,000 | 330,343,000 |
| Equity capital | 87,540,000 | 90,875,000 | 92,341,000 | 93,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,715,000 | 13,691,000 | 20,745,000 | 27,900,000 |
| Interest expense | 527,000 | 982,000 | 1,317,000 | 1,582,000 |
| Net interest income | 6,188,000 | 12,709,000 | 19,428,000 | 26,318,000 |
| Noninterest income | 439,000 | 800,000 | 1,195,000 | 1,538,000 |
| Noninterest expense | 4,043,000 | 7,729,000 | 11,801,000 | 15,973,000 |
| Provision for loan losses | 495,000 | 1,040,000 | 1,485,000 | 1,520,000 |
| Pretax income | 2,127,000 | 4,778,000 | 7,375,000 | 10,401,000 |
| Income tax | 556,000 | 1,274,000 | 1,972,000 | 2,779,000 |
| Net income | 1,571,000 | 3,504,000 | 5,403,000 | 7,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,599,000 | 67,957,000 | 69,481,000 | 71,271,000 |