Rancho Cordova-based American River Bankshares, parent of American River Bank, reported a profit of $652,000, or 7 cents per share, for the second quarter ended June 30.
That was down from $845,000, or 9 cents a share, in the second quarter of 2012.
In this year's first quarter, ARB reported net income of $622,000, 7 cents per share.
Through the first six months of this year, net income was nearly $1.3 million, or 14 cents a share, compared with $1.6 million, or 16 cents a share, last year.
"In a very competitive market, sequential quarterly growth in loans and net income are tangible signs that staying focused on our long-term plan is delivering traction," said David Taber, ARB president and CEO.
Call The Bee's Mark Glover, (916) 321-1184.