Call reports 2003
BANK OF THE SIERRA — 2003
What BANK OF THE SIERRA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 689,581,000 | 733,525,000 | 760,635,000 | 799,763,000 |
| Total loans | 510,237,000 | 555,902,000 | 584,145,000 | 608,965,000 |
| Allowance for loan losses | 5,932,000 | 5,976,000 | 6,176,000 | 6,701,000 |
| Securities available for sale | 84,952,000 | 83,115,000 | 79,156,000 | 84,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 603,605,000 | 613,164,000 | 663,642,000 | 686,957,000 |
| Interest-bearing deposits | 431,629,000 | 486,394,000 | 590,353,000 | 612,237,000 |
| Noninterest-bearing deposits | 171,976,000 | 126,770,000 | 73,289,000 | 74,720,000 |
| Equity capital | 64,404,000 | 66,248,000 | 68,310,000 | 69,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,101,000 | 20,424,000 | 31,314,000 | 42,525,000 |
| Interest expense | 1,730,000 | 3,263,000 | 4,698,000 | 6,104,000 |
| Net interest income | 8,371,000 | 17,161,000 | 26,616,000 | 36,421,000 |
| Noninterest income | 2,186,000 | 4,562,000 | 7,099,000 | 9,984,000 |
| Noninterest expense | 6,620,000 | 13,315,000 | 20,268,000 | 27,497,000 |
| Provision for loan losses | 400,000 | 1,125,000 | 1,925,000 | 3,105,000 |
| Pretax income | 3,540,000 | 7,288,000 | 11,677,000 | 15,961,000 |
| Income tax | 873,000 | 1,971,000 | 3,129,000 | 4,849,000 |
| Net income | 2,667,000 | 5,317,000 | 8,548,000 | 11,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,056,000 | 58,961,000 | 61,445,000 | 62,895,000 |
| Total capital | 62,989,000 | 64,938,000 | 67,623,000 | 69,598,000 |
| Risk-weighted assets | 559,166,000 | 604,213,000 | 648,911,000 | 685,856,000 |