In addition, the Bank can offer up to $50 million of FDIC pass-through insurance to clients via the IntraFi network Insured Cash Sweep ("ICS") or Certificate of Deposit Account Registry System ("CDARS") products. Shareholders' Equity Total shareholders' equity was $101.7 million at March 31, 2024, a $1.1 million or 1.0% increase since December 31, 2023, and an increase of $10.1 million or 11.1% over the same period of the prior year. The tax adjusted unrealized loss on securities, which is a component of equity (accumulated other comprehensive income or "AOCI"), increased $0.9 million or 4.5% from $20.9 million at the end of 2023 to $21.9 million at the end of the first quarter of 2024. The Bank fully expects to receive all principal when the investments mature. Company Profile American Riviera Bancorp (OTCQX: ARBV ) is a registered bank holding company headquartered in Santa Barbara, California.