American river bankshares (AMRB)
Income statement / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12Dec'11Dec'10Dec'09
Interest income:
Interest and fees on loans:
Interest on Federal funds sold

5

348

0

0

-

-

-

-

-

-

-

Taxable

16,834

13,924

13,947

14,008

13,566

13,609

14,191

16,687

19,235

22,227

25,378

Exempt from Federal income taxes

781

529

499

723

345

22

0

-

-

-

-

Interest on deposits in banks

201

33

13

7

5

4

3

8

20

-

59

Interest and dividends on investment securities:
Interest on deposits in banks

-

-

-

-

-

-

-

-

-

5

-

Taxable

7,589

6,901

5,300

5,769

6,292

5,528

3,822

3,708

4,224

2,840

2,763

Exempt from Federal income taxes

260

507

655

646

760

802

865

896

720

634

917

Total interest income

25,670

22,242

20,414

21,153

20,968

19,965

18,881

21,299

-

-

-

Dividends

-

-

-

-

-

-

-

-

-

-

5

Total interest income

-

-

-

-

-

-

-

-

24,199

25,706

29,122

Interest expense:
Interest on deposits

2,078

1,359

855

730

817

1,021

1,197

1,610

2,238

2,952

4,003

Interest on borrowings

383

237

206

180

144

147

293

284

-

-

-

Interest on borrowings

-

-

-

-

-

-

-

-

370

498

1,087

Total interest expense

2,461

1,596

1,061

910

961

1,168

1,490

1,894

2,608

3,450

5,090

Net interest income

23,209

20,646

19,353

20,243

20,007

18,797

17,391

19,405

21,591

22,256

24,032

Provision for loan and lease losses

660

175

450

-1,344

0

-541

200

1,365

3,625

7,365

8,530

Net interest income after provision for loan and lease losses

22,549

20,471

18,903

21,587

20,007

19,338

17,191

18,040

17,966

14,891

15,502

Noninterest income:
Service charges

558

476

465

502

-

-

-

-

-

-

-

Gain on sale of securities

115

31

161

314

-

-

-

-

-

-

-

Service charges on deposit accounts

-

-

-

-

498

562

590

724

761

866

1,018

Gain on sale of securities

-

-

-

-

251

208

36

93

353

7

270

Income from other real estate owned properties

-

-

-

279

335

365

316

886

-

-

-

Other income (Note 15)

1,015

1,006

970

950

931

1,042

1,073

1,071

-

-

-

Other noninterest income

-

-

-

-

-

-

-

-

-

-

981

Other income (Note 15)

-

-

-

-

-

-

-

-

994

931

-

Total noninterest income

1,688

1,513

1,596

2,045

2,015

2,177

2,015

2,774

2,108

1,804

2,269

Noninterest expense:
Salaries and employee benefits

11,316

10,203

8,920

8,435

8,528

8,776

8,516

8,260

8,465

7,876

7,279

Occupancy

1,023

1,050

1,053

1,175

1,183

1,188

1,212

1,209

1,140

1,271

1,389

Furniture and equipment

542

553

586

652

690

724

758

812

719

720

759

Federal Deposit Insurance Corporation assessments

126

280

280

328

395

433

382

633

931

1,423

770

Expenses related to other real estate owned

-134

-20

-44

-246

-322

-364

-936

-2,065

-1,288

-1,210

-

Expenses related to other real estate owned

-

-

-

-

-

-

-

-

-

-

1,441

Other expense

3,705

3,404

3,166

3,000

2,962

3,377

3,087

3,768

3,758

3,970

4,173

Total noninterest expense

16,846

15,510

14,049

13,836

14,080

14,862

14,891

16,747

16,301

16,470

15,811

Income before provision for income taxes

7,391

6,474

6,450

9,796

7,942

6,653

4,315

4,067

3,773

225

1,960

Provision for income taxes

1,891

1,574

3,252

3,392

2,674

2,292

1,258

860

1,269

-251

374

Net income

5,500

4,900

3,198

6,404

5,268

4,361

3,057

3,207

2,504

476

1,586

Basic earnings per share

0.94

0.83

0.50

0.95

0.70

0.54

0.34

0.34

0.25

0.05

0.26

Diluted earnings per share

0.94

0.83

0.50

0.94

0.70

0.54

0.34

0.34

0.25

0.05

0.26

Cash dividends per share

-

-

-

-

0.00

0.00

0.00

0.00

0.00

-

0.29