American river bankshares (AMRB)
Balance Sheet / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Dec'10
ASSETS
Cash and due from banks

15,272

15,258

14,512

16,764

16,610

20,987

-24,634

-45,068

22,023

38,467

37,233

22,004

35,915

27,589

43,094

22,671

29,257

23,727

21,638

18,009

17,047

22,449

41,997

19,107

24,131

17,948

35,152

23,694

47,847

55,461

28,651

35,257

46,967

23,768

50,562

35,048

31,871

Federal funds sold

-

-

0

0

0

7,000

-10,000

-8,000

38,000

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest-bearing deposits in banks

11,400

2,552

14,870

2,998

2,835

1,746

1,746

1,746

1,746

1,746

1,248

1,248

1,248

999

999

999

999

750

1,000

1,000

1,000

1,000

1,000

1,000

1,000

1,000

1,000

1,000

750

750

1,000

1,000

1,250

1,250

1,749

2,249

2,248

Total cash and cash equivalents

26,672

17,810

29,382

19,762

19,445

29,733

34,634

53,068

-

38,467

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investment securities:
Available-for-sale, at fair value

255,624

261,965

276,055

264,763

286,602

294,933

277,269

281,660

288,320

262,322

249,879

257,471

263,106

254,020

253,502

254,483

260,818

273,819

266,740

276,211

281,423

289,064

276,912

279,986

275,211

272,791

268,614

254,644

241,881

231,839

227,906

221,846

202,832

208,711

173,309

165,747

154,515

Held-to-maturity, at amortized cost fair value of $261 in 2020 and $266 in 2019

240

248

256

264

277

292

311

330

357

378

404

429

456

483

508

540

573

623

674

740

802

862

935

1,015

1,092

1,185

-

-

-

-

-

-

-

-

-

-

-

Held-to-maturity, at amortized cost

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,303

1,497

1,900

2,117

2,740

3,049

3,563

4,010

4,505

4,983

6,149

Loans, less allowance for loan losses of $5,637 at March 31, 2020 and $5,138 at December 31, 2019

388,044

393,802

369,940

358,408

336,007

318,516

310,322

290,552

299,066

308,713

322,238

316,146

313,969

324,086

313,302

305,088

292,226

289,102

289,774

275,353

261,112

258,057

247,686

246,521

255,465

251,747

249,730

247,778

245,492

252,118

270,196

277,605

284,062

293,731

306,614

316,861

338,533

Premises and equipment, net

996

1,191

1,217

1,136

1,151

1,071

1,072

1,084

1,123

1,158

1,226

1,275

1,342

1,362

1,259

1,305

1,448

1,407

1,435

1,461

1,551

1,518

1,531

1,595

1,523

1,500

1,581

1,673

1,798

1,888

2,182

2,204

2,280

2,355

2,238

2,074

2,026

Federal Home Loan Bank stock

4,259

4,259

4,259

4,259

3,932

3,932

3,932

3,932

3,932

3,932

3,932

3,932

3,779

3,779

3,779

3,779

3,779

3,779

3,779

3,779

3,686

3,686

3,686

3,686

3,248

3,248

3,248

3,248

3,254

3,254

3,254

3,254

3,093

3,093

3,093

3,204

3,486

Goodwill

16,321

16,321

16,321

16,321

16,321

-

16,321

16,321

16,321

-

16,321

16,321

16,321

-

16,321

16,321

16,321

-

16,321

16,321

16,321

-

16,321

16,321

16,321

-

16,321

16,321

16,321

-

16,354

16,404

-

-

-

-

-

Goodwill and other intangible assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

16,454

-

16,557

16,613

-

Other real estate owned

846

846

957

957

957

957

961

961

961

961

961

1,348

1,348

1,348

653

896

896

3,551

3,781

3,781

3,720

4,647

5,201

6,864

6,621

6,621

5,624

8,120

8,946

12,237

13,681

10,366

10,733

8,190

3,827

3,224

2,696

Goodwill (Note 4)

-

-

-

-

-

16,321

-

-

-

16,321

-

-

-

16,321

-

-

-

16,321

-

-

-

16,321

-

-

-

16,321

-

-

-

16,321

-

-

-

16,321

-

-

16,321

Intangible assets (Note 4)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

183

-

-

402

Bank owned life insurance

15,847

15,763

15,676

15,593

15,509

15,429

15,350

15,273

15,197

15,122

15,043

14,962

14,883

14,805

14,722

14,643

14,561

14,483

14,406

14,326

14,245

14,167

14,238

12,815

12,751

12,686

12,618

12,562

12,511

12,858

11,491

-

-

11,292

-

-

-

Accrued interest receivable and other assets

7,204

8,148

7,218

7,748

9,167

6,908

8,076

10,329

8,101

6,502

7,159

6,469

6,884

6,658

5,707

5,086

5,262

7,078

5,646

5,909

4,948

5,983

6,099

5,824

6,331

7,706

-

-

-

-

-

-

-

8,614

-

-

-

Accrued interest receivable and other assets (Notes 11 and 16)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,050

7,008

6,561

7,546

7,103

18,687

19,247

-

19,266

19,722

20,693

Total Assets

716,053

720,353

721,281

689,211

689,368

688,092

669,994

675,256

695,147

655,622

655,644

641,605

659,251

651,450

653,846

625,811

626,140

634,640

625,194

616,890

605,855

617,754

615,606

594,734

603,694

592,753

602,241

577,545

587,261

596,389

584,558

589,672

590,481

581,518

581,720

569,725

578,940

LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits:
Noninterest bearing

229,793

227,055

228,517

214,012

213,012

214,745

209,322

221,402

212,685

215,528

205,938

196,212

200,417

201,113

209,586

195,903

188,585

190,548

178,038

173,324

158,590

155,698

159,863

149,169

155,860

145,516

144,673

138,463

141,259

151,201

137,289

137,572

136,654

133,440

132,145

123,550

126,636

Interest-bearing

373,343

377,782

384,387

367,125

359,367

375,929

366,498

359,914

387,502

340,552

345,004

341,668

350,545

343,693

336,579

330,030

335,234

340,142

343,331

338,659

342,569

354,995

350,532

341,689

345,032

338,174

345,911

329,194

329,597

327,055

329,436

337,982

339,928

328,845

331,444

331,713

338,486

Total deposits

603,136

604,837

612,904

581,137

572,379

590,674

575,820

581,316

600,187

556,080

550,942

537,880

550,962

544,806

546,165

525,933

523,819

530,690

521,369

511,983

501,159

510,693

510,395

490,858

500,892

483,690

-

-

-

-

-

-

-

-

-

-

-

Total deposits

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

490,584

467,657

470,856

478,256

466,725

475,554

476,582

462,285

463,589

455,263

465,122

Short-term borrowings

5,000

9,000

5,000

2,000

19,000

5,000

6,500

6,500

3,500

3,500

2,000

2,000

3,500

3,500

5,000

5,000

3,500

3,500

3,500

3,500

3,500

3,500

3,500

1,500

3,000

8,000

8,000

8,000

7,000

2,000

2,000

2,000

-

5,000

5,000

7,000

7,000

Long-term borrowings

10,500

10,500

10,500

13,500

10,500

10,500

9,000

9,000

12,000

12,000

13,500

13,500

12,000

12,000

9,000

6,000

7,500

7,500

7,500

7,500

7,500

7,500

7,500

9,500

8,000

8,000

8,000

8,000

11,000

16,000

16,000

12,000

14,000

14,000

14,000

10,000

10,000

Accrued interest payable and other liabilities

10,563

13,107

10,028

11,655

9,913

7,197

6,939

6,547

7,362

7,121

6,947

6,852

9,681

7,294

9,015

5,312

6,019

6,875

6,547

5,716

5,823

6,414

6,032

5,312

5,884

6,043

5,886

5,434

5,672

6,139

5,987

7,776

5,751

6,134

6,019

6,275

7,274

Total liabilities

629,199

637,444

638,432

608,292

611,792

613,371

598,259

603,363

623,049

578,701

573,389

560,232

576,143

567,600

569,180

542,245

540,838

548,565

538,916

528,699

517,982

528,107

527,427

507,170

517,776

505,733

512,470

489,091

494,528

502,395

490,712

497,330

496,333

487,419

488,608

478,538

489,396

Commitments and contingencies

-

-

-

-

-

-

0

0

0

-

-

-

0

0

0

0

0

0

-

0

0

0

0

-

0

0

0

0

0

0

0

0

0

-

0

0

0

Shareholders' equity:
Preferred stock, no par value; 10,000,000 shares authorized; none outstanding

0

0

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

-

Common stock, no par value; 20,000,000 shares authorized; issued and outstanding - 5,903,228 shares at September 30, 2019 and 5,858,428 shares at December 31, 2018

30,634

30,536

30,466

30,373

30,281

30,103

30,165

30,082

30,501

34,463

38,139

37,739

40,641

42,484

42,402

42,311

45,838

49,554

49,483

53,307

53,236

57,126

57,079

57,031

57,898

61,108

64,168

64,134

66,353

67,977

67,947

67,901

71,005

72,016

71,970

71,922

71,814

Retained earnings

51,600

50,581

49,487

48,329

47,347

46,494

45,660

44,801

43,826

42,779

43,437

42,646

41,674

40,822

38,907

37,094

35,790

34,418

32,961

31,492

30,106

29,150

27,954

26,830

25,795

24,789

23,899

23,006

22,354

21,732

20,862

20,082

19,237

18,525

17,497

16,448

16,021

Accumulated other comprehensive income (loss), net of taxes

4,620

1,792

2,896

2,217

-52

-1,876

-4,090

-2,990

-2,229

-321

679

988

793

544

3,357

4,161

3,674

2,103

3,834

3,392

4,531

3,371

3,146

3,703

2,225

1,123

1,704

1,314

4,026

4,285

5,037

4,359

3,906

3,558

3,645

2,817

1,709

Total shareholders' equity

-

-

-

-

-

-

-

-

72,098

-

82,255

81,373

83,108

83,850

84,666

83,566

85,302

86,075

86,278

88,191

87,873

89,647

88,179

87,564

85,918

87,020

-

-

-

-

-

-

-

-

-

-

-

Total shareholders' equity

86,854

82,909

82,849

80,919

77,576

74,721

71,735

71,893

-

76,921

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

89,771

88,454

92,733

93,994

93,846

92,342

94,148

94,099

93,112

91,187

89,544

Total liabilities and shareholders' euity

716,053

720,353

721,281

689,211

689,368

688,092

669,994

675,256

695,147

655,622

655,644

641,605

659,251

651,450

653,846

625,811

626,140

634,640

625,194

616,890

605,855

617,754

615,606

594,734

603,694

592,753

602,241

577,545

587,261

596,389

584,558

589,672

590,481

581,518

581,720

569,725

578,940