FDIC Certificate #: 58281 Status: Active Federal Reserve ID: 3388482 Date Established: July 18, 2006 WWW:http://www.americanrivierabank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 445289 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: July 18, 2006 Last Structure Change Effective Date: September 30, 2008 Last Structure Change Process Date: September 30, 2008 Last Data Update: September 30, 2008 Data Source Date: April 05, 2012
Location
Address: 1033 Anacapa Street, Santa Barbara, CA 93101 County: Santa Barbara Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Los Angeles (West) Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Santa Barbara-Santa Maria-Lompoc, CA (#7480) Core Based Statistical Area (CBSA): Santa Barbara-Santa Maria-Goleta, CA (#42060) CBSA Metro Statistical Area: Santa Barbara-Santa Maria-Goleta, CA (#42060)
Financial Summary
Total assets: $142.2 mil Equity capital: $22.3 mil Deposits held in domestic offices: $114.3 mil Return on assets (ROA): 2.40% ($3.4 mil) Quarterly return on assets: 1.02% ($1.4 mil) Return on Equity (ROE): 16.25% ($3.6 mil) Quarterly return on equity: 6.39% ($1.4 mil) Net income: $3.3 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.67% ($953.0 mil) Quarterly Pretax return on assets: -0.61% (-$867.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$142,235Total assets
$9,195Cash and due from depository institutions
$5,290Interest-bearing balances
$11,239Securities
$5,040Federal funds sold & reverse repurchase agreements
$105,483Net loans & leases
$2,541Loan loss allowance
$0Trading account assets
$728Bank premises and fixed assets
$3,549Other real estate owned
$0Goodwill and other intangibles
$142,235Life insurance assets
$7,001All other assets
$119,958Total liabilities and capital
$114,263Total liabilities
$90,893Total deposits
$114,263Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,000Trading liabilities
$0Other borrowed funds
$695Subordinated debt
$22,277All other liabilities
$22,277Total equity capital
$22,277Total bank equity capital
$0Perpetual preferred stock
$24,892Common stock
$1,514Surplus
$-4,129Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$451Long-term assets (5+ years)
$127,052Average Assets, year-to-date
$52,427Average Assets, quarterly
$137,685Volatile liabilities
$138,978Insider loans
$115,818FHLB advances
$139,799Loans and leases held for sale
$3,014Unused loan commitments
$0Tier 1 (core) risk-based capital
$20,393Tier 2 risk-based capital
$2,008Total risk weighted assets
$1,006Total unused commitments
$21,799Restructured Loans and leases
$1,782Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,058Total interest income
$739Total interest expense
$6,319Net interest income
$810Provision for loan and lease losses
-$146Total noninterest income
$0Fiduciary activities
$31Service charges on deposit accounts
$0Trading account gains & fees
-$177Additional noninterest income
$4,479Total noninterest expense
$2,217Salaries and employee benefits
$736Premises and equipment expense
$1,526Additional noninterest expense
$884Pre-tax net operating income
$39Securities gains (losses)
-$2,383Applicable income taxes
$3,306Income before extraordinary items
$0Extraordinary gains - net
$3,306Net income attributable to bank
$0Net charge-offs
$3,306Cash dividends
$1,440Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.52%Yield on earning assets
0.58%Cost of funding earning assets
4.95%Net interest margin
-0.11%Noninterest income to earning assets
3.51%Noninterest expense to earning assets
2.37%Net operating income to assets
2.40%Return on assets (ROA)
0.67%Pretax return on assets
16.25%Return on equity (ROE)
16.25%Retained earnings to average equity (YTD only)
1.46%Net charge-offs to loans
56.25%Credit loss provision to net charge-offs
1.18%Efficiency ratio
72,558Assets per employee
6.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.35%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
2.50%Noncurrent loans to loans
0.00%Net loans and leases to deposits
92.32%Net loans and leases to core deposits
97.44%Equity capital to assets
15.66%Core capital (leverage) ratio
14.59%Tier 1 risk-based capital ratio
17.61%Total risk-based capital ratio
Memoranda
$19Average assets
$137,685Average earning assets
$20,348Average equity
$127,776Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
445289
American Riviera Bank
1033 Anacapa Street, Santa Barbara, CA 93101
July 18, 2006
Full Service Brick and Mortar
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