American River Bank in Sacramento, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


American River Bank - Overview

  • General
  • FDIC Certificate #: 24655
    Status: Active
    Federal Reserve ID: 735768
    Bank Holding Company (Regulatory Top Holder): American River Bankshares (RSSDID: 2312837, Location: Rancho Cordova, CA)
    Date Established: August 29, 1983
    WWW: http://www.americanriverbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 14089
    FDIC's unique #: 17116
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 29, 1983
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1545 River Park Drive, Sacramento, CA 95815
    County: Sacramento
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Sacramento, CA (#6920)
    Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
    CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $581.6 mil
    Equity capital: $89.6 mil
    Deposits held in domestic offices: $467.4 mil
    Return on assets (ROA): 0.49% ($2.9 mil)
    Quarterly return on assets: 0.77% ($4.5 mil)
    Return on Equity (ROE): 3.27% ($2.9 mil)
    Quarterly return on equity: 5.04% ($4.5 mil)
    Net income: $2.8 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 0.76% ($4,420.2 mil)
    Quarterly Pretax return on assets: 1.24% ($7,211.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 110Total employees (full-time equivalent)
  • $581,604Total assets
  • $25,187Cash and due from depository institutions
  • $15,130Interest-bearing balances
  • $212,661Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $294,176Net loans & leases
  • $7,041Loan loss allowance
  • $0Trading account assets
  • $2,355Bank premises and fixed assets
  • $8,190Other real estate owned
  • $16,504Goodwill and other intangibles
  • $581,604Life insurance assets
  • $22,531All other assets
  • $492,052Total liabilities and capital
  • $467,438Total liabilities
  • $328,845Total deposits
  • $467,438Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,000Trading liabilities
  • $0Other borrowed funds
  • $5,614Subordinated debt
  • $89,552All other liabilities
  • $89,552Total equity capital
  • $89,552Total bank equity capital
  • $0Perpetual preferred stock
  • $59,452Common stock
  • $0Surplus
  • $30,100Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,423Income earned, not collected on loans
  • $0Earning assets
  • $1,952Long-term assets (5+ years)
  • $521,967Average Assets, year-to-date
  • $209,305Average Assets, quarterly
  • $575,760Volatile liabilities
  • $580,684Insider loans
  • $343,931FHLB advances
  • $563,429Loans and leases held for sale
  • $11,291Unused loan commitments
  • $4,093Tier 1 (core) risk-based capital
  • $69,490Tier 2 risk-based capital
  • $5,700Total risk weighted assets
  • $1,498Total unused commitments
  • $36,478Restructured Loans and leases
  • $3,887Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,199Total interest income
  • $2,608Total interest expense
  • $21,591Net interest income
  • $3,625Provision for loan and lease losses
  • $756Total noninterest income
  • $0Fiduciary activities
  • $761Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$5Additional noninterest income
  • $14,724Total noninterest expense
  • $6,069Salaries and employee benefits
  • $1,615Premises and equipment expense
  • $7,040Additional noninterest expense
  • $3,998Pre-tax net operating income
  • $353Securities gains (losses)
  • $1,507Applicable income taxes
  • $2,844Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,844Net income attributable to bank
  • $0Net charge-offs
  • $2,844Cash dividends
  • $4,169Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 3.27%Return on equity (ROE)
  • 3.27%Retained earnings to average equity (YTD only)
  • 1.29%Net charge-offs to loans
  • 86.95%Credit loss provision to net charge-offs
  • 1.83%Efficiency ratio
  • 64,904Assets per employee
  • 5.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.34%Loss allowance to noncurrent loans
  • 52.45%Noncurrent assets plus other real estate owned to assets
  • 3.72%Noncurrent loans to loans
  • 4.46%Net loans and leases to deposits
  • 62.93%Net loans and leases to core deposits
  • 69.79%Equity capital to assets
  • 15.40%Core capital (leverage) ratio
  • 12.33%Tier 1 risk-based capital ratio
  • 20.20%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $575,760Average earning assets
  • $86,904Average equity
  • $520,995Average loans

List of branches

  • 12 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017116American River Bank1545 River Park Drive, Sacramento, CA 95815August 29, 1983Full Service Brick and Mortar
    1257559Fair Oaks Village Branch10123 Fair Oaks Boulevard, Fair Oaks, CA 95628April 15, 1985Full Service Brick and Mortar
    2257560Limited Service (Courier) Branch9750 Business Park Drive, Sacramento, CA 95827June 13, 1988Limited Service Messenger
    317103Placer/Roseville Branch2240 Douglas Boulevard, Suite 100, Roseville, CA 95661August 08, 1983Full Service Brick and Mortar
    4255584Business Park Drive Branch9750 Business Park Drive, Sacramento, CA 95827January 18, 1991Full Service Brick and Mortar
    546453North Coast Bank Branch90 South E Street, Santa Rosa, CA 95404October 25, 1990Full Service Brick and Mortar
    6289383Healdsburg Branch412 Center Street, Healdsburg, CA 95448June 01, 1993Full Service Brick and Mortar
    8426753Capitol Mall Office520 Capitol Mall, Suite 100, Sacramento, CA 95814March 08, 2004Full Service Brick and Mortar
    917206Bank Of Amador Branch422 Sutter Street, Jackson, CA 95642November 21, 1983Full Service Brick and Mortar
    10257669Buckhorn Branch26395 Buckhorn Ridge Road, Pioneer, CA 95666November 21, 1983Full Service Brick and Mortar
    11257670Ione Branch66 Main Street, Ione, CA 95640September 02, 1986Full Service Brick and Mortar
    13518076Zinfandel Loan Operation3100 Zinfandel Drive, Suite 450, Rancho Cordova, CA 95670December 01, 2010Full Service Brick and Mortar

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