Call reports 2002
BANK OF THE SIERRA — 2002
What BANK OF THE SIERRA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 662,807,000 | 675,290,000 | 679,062,000 | 698,786,000 |
| Total loans | 488,355,000 | 503,281,000 | 501,942,000 | 511,594,000 |
| Allowance for loan losses | 5,380,000 | 5,800,000 | 5,316,000 | 5,939,000 |
| Securities available for sale | 89,854,000 | 89,142,000 | 82,737,000 | 83,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,929,000 | 578,622,000 | 571,495,000 | 609,507,000 |
| Interest-bearing deposits | 433,263,000 | 427,488,000 | 423,930,000 | 546,094,000 |
| Noninterest-bearing deposits | 138,666,000 | 151,134,000 | 147,565,000 | 63,413,000 |
| Equity capital | 56,611,000 | 59,140,000 | 61,405,000 | 62,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 10,384,000 | 20,889,000 | 31,449,000 | 41,985,000 |
| Interest expense | 2,173,000 | 4,274,000 | 6,267,000 | 8,189,000 |
| Net interest income | 8,211,000 | 16,615,000 | 25,182,000 | 33,796,000 |
| Noninterest income | 2,153,000 | 4,038,000 | 5,958,000 | 8,041,000 |
| Noninterest expense | 5,982,000 | 11,952,000 | 18,745,000 | 25,632,000 |
| Provision for loan losses | 600,000 | 1,550,000 | 2,450,000 | 3,350,000 |
| Pretax income | 3,688,000 | 7,296,000 | 10,091,000 | 13,135,000 |
| Income tax | 1,174,000 | 2,189,000 | 2,701,000 | 3,581,000 |
| Net income | 2,514,000 | 5,107,000 | 7,390,000 | 9,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,034,000 | 51,980,000 | 53,616,000 | 55,129,000 |
| Total capital | 55,420,000 | 57,783,000 | 58,935,000 | 61,070,000 |
| Risk-weighted assets | 505,316,000 | 526,427,000 | 534,850,000 | 555,858,000 |
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