[AMRB] QoQ Quarter Result on 31-Dec-2002 [#Q4]

Stock
[AMRB] American River Bankshares
Announcement Date
19-Mar-2003
Financial Year
2002
Quarter
31-Dec-2002 [#Q4]
Profit Trend
QoQ- 5.92%
YoY- 26.97%
Quarter Report
AMRB's Result
AMRB's Financial Summary
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Quarter Result
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
Revenue 4,911 4,864 4,583 4,707 4,439 4,175 4,075 13.23%
PBT 2,072 2,185 1,735 2,085 1,994 1,701 1,583 19.63%
Tax 812 882 686 814 794 674 622 19.42%
NP 1,260 1,303 1,049 1,271 1,200 1,027 961 19.77%
Tax Rate -39.19% -40.37% -39.54% -39.04% -39.82% -39.62% -39.29% -
Total Cost 3,651 3,561 3,534 3,436 3,239 3,148 3,114 11.17%
Ratio Analysis
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
NP Margin 25.66 26.79 22.89 27.00 27.03 24.60 23.58 5.79%
Per Share
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
EPS 0.25 0.26 0.21 0.25 0.23 0.20 0.19 20.05%
EPS Diluted 0.23 0.24 0.19 0.25 0.21 0.19 0.18 17.73%

PBT = Profit before Tax, NP = Net Profit, NP Margin = Net Profit Margin, EPS = Earning Per Share, EPS Diluted = Earning Per Share Diluted.

NP Margin, QoQ ⃤ & YoY ⃤ figures in Percentage; EPS & EPS Diluted figures in Cent.

All figures in '000 unless specified.