[AMRB] YoY Annual Result on 31-Dec-2003 [#FY]

Stock
[AMRB] American River Bankshares
Announcement Date
18-Mar-2004
Financial Year
2003
Quarter
31-Dec-2003 [#FY]
Profit Trend
YoY- 6.32%
Quarter Report
AMRB's Result
AMRB's Financial Summary
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Annual Result
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
Revenue 29,001 29,509 28,791 21,813 19,119 17,396 16,942 9.36%
PBT 13,718 14,802 14,976 9,205 7,801 7,363 6,649 12.82%
Tax 5,240 5,739 5,792 3,378 3,060 2,904 2,612 12.29%
NP 8,478 9,063 9,184 5,827 4,741 4,459 4,037 13.15%
Tax Rate -38.20% -38.77% -38.68% -36.70% -39.23% -39.44% -39.28% -
Total Cost 20,523 20,446 19,607 15,986 14,378 12,937 12,905 8.03%
Ratio Analysis
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
NP Margin 29.23 30.71 31.90 26.71 24.80 25.63 23.83 3.46%
Per Share
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
EPS 1.40 1.41 1.41 1.02 0.93 0.88 0.79 10.00%
EPS Diluted 1.39 1.39 1.38 0.97 0.86 0.82 0.75 10.82%

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.