American Riviera Bancorp (ARBV)

American Riviera Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	28.11	14.56	11.99	12.1	8.18	8.65
Investment Securities	210.27	102.66	106.1	156.21	364.59	172.81
Mortgage-Backed Securities	-	130	156.89	163.37	115.17	35.22
Total Investments	210.27	232.65	262.99	319.58	479.76	208.03
Gross Loans	1,020	991.43	947.95	909.42	796.08	728.93
Allowance for Loan Losses	-12.5	-11.57	-11.65	-10.63	-9.38	-8.47
Other Adjustments to Gross Loans	-	-1.49	-1.54	-1.73	-2.59	-2.86
Net Loans	1,008	978.37	934.76	897.06	784.11	717.6
Property, Plant & Equipment	13.96	13.06	13.99	12.35	10.43	12.47
Goodwill	-	4.8	4.8	4.8	4.8	4.8
Other Intangible Assets	4.89	-	-	0.15	0.18	0.36
Accrued Interest Receivable	-	1.05	5.12	5.37	4.09	3.31
Long-Term Deferred Tax Assets	-	15.33	16.36	17.71	6.71	6.18
Other Long-Term Assets	35.46	19.49	15.02	13.47	8.28	6.93
Total Assets	1,300	1,279	1,265	1,283	1,307	971.62
Interest Bearing Deposits	683.94	608.51	569.91	662.11	731.33	539.1
Institutional Deposits	-	73.8	36.7	22.9	-	-
Non-Interest Bearing Deposits	447.53	431.03	443.07	478.52	470.76	333
Total Deposits	1,131	1,113	1,050	1,164	1,202	872.1
Short-Term Borrowings	22	25	75	-	-	5
Current Portion of Leases	-	1.32	-	-	-	-
Accrued Interest Payable	-	1.05	0.57	0.09	0.03	-0.05
Other Current Liabilities	0.99	1.05	0.58	-	-	-
Long-Term Debt	16.5	16.5	18	18	-	-
Federal Home Loan Bank Debt, Long-Term	-	-	10	-	-	-
Long-Term Leases	-	4.58	6.22	7.07	4.97	6.48
Long-Term Deferred Tax Liabilities	-	2.97	3.18	2.97	2.45	3.18
Other Long-Term Liabilities	11.87	2.12	1.17	3.81	0.73	-
Total Liabilities	1,183	1,168	1,164	1,195	1,210	886.7
Common Stock	67.91	68.04	67.3	66.35	56.56	55.74
Retained Earnings	67.65	63.01	54.27	44.67	40.43	28.6
Comprehensive Income & Other	-17.95	-19.67	-20.93	-23.92	-0.72	0.58
Shareholders' Equity	117.61	111.38	100.64	87.1	96.27	84.92
Total Liabilities & Equity	1,300	1,279	1,265	1,283	1,307	971.62
Total Debt	38.5	47.4	109.22	25.07	4.97	11.48
Net Cash (Debt)	-10.39	-26.46	-89.54	36.73	287.14	118.25
Net Cash Growth	-	-	-	-87.21%	142.82%	144.35%
Net Cash Per Share	-1.79	-4.55	-15.52	6.48	50.81	21.26
Filing Date Shares Outstanding	5.81	5.82	5.77	5.69	4.97	4.94
Total Common Shares Outstanding	5.81	5.82	5.77	5.69	4.97	4.94
Book Value Per Share	20.24	19.15	17.45	15.30	19.35	17.19
Tangible Book Value	112.72	106.58	95.84	82.15	91.29	79.76
Tangible Book Value Per Share	19.40	18.33	16.61	14.43	18.35	16.14

Source: S&P Global Market Intelligence. Banks template. Financial Sources.