American River Bankshares reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2012. For the quarter, interest income was $5,131,000 against $5,808,000 a year ago. Net interest income was $4,691,000 against $5,243,000 a year ago. Income before provision for income taxes was $1,001,000 against $1,647,000 a year ago. Net income was $870,000 or $0.09 per basic and diluted share against $1,028,000 or $0.10 per basic and diluted share a year ago. Return on average assets was 0.58% against 0.70% a year ago. Return on average equity was 3.68% against 4.38% a year ago. Return on average tangible equity was 4.46% against 5.32% a year ago.

For the full year, interest income was $21,299,000 against $24,199,000 a year ago. Net interest income was $19,405,000 against $21,591,000 a year ago. Income before provision for income taxes was $4,067,000 against $3,773,000 a year ago. Net income was $3,207,000 or $0.34 per basic and diluted share against $2,504,000 or $36.0 per basic and diluted share a year ago. Return on average assets was 0.55 against $0.43% a year ago. Return on average equity was 3.42% against 2.74% a year ago. Return on average tangible equity was 4.15% against 3.35% a year ago.