Call reports 2004
BANK OF THE SIERRA — 2004
What BANK OF THE SIERRA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 820,763,000 | 930,288,000 | 944,058,000 | 993,483,000 |
| Total loans | 610,361,000 | 625,829,000 | 651,034,000 | 694,999,000 |
| Allowance for loan losses | 7,286,000 | 7,680,000 | 8,476,000 | 8,842,000 |
| Securities available for sale | 93,199,000 | 196,287,000 | 197,969,000 | 198,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 703,616,000 | 710,948,000 | 730,772,000 | 753,274,000 |
| Interest-bearing deposits | 614,708,000 | 489,581,000 | 501,403,000 | 506,970,000 |
| Noninterest-bearing deposits | 88,908,000 | 221,367,000 | 229,369,000 | 246,304,000 |
| Equity capital | 80,449,000 | 80,232,000 | 85,451,000 | 87,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 11,952,000 | 24,369,000 | 37,845,000 | 52,157,000 |
| Interest expense | 1,386,000 | 3,143,000 | 5,024,000 | 7,086,000 |
| Net interest income | 10,566,000 | 21,226,000 | 32,821,000 | 45,071,000 |
| Noninterest income | 2,546,000 | 5,188,000 | 7,839,000 | 9,811,000 |
| Noninterest expense | 7,346,000 | 14,499,000 | 21,348,000 | 29,150,000 |
| Provision for loan losses | 900,000 | 1,673,000 | 2,673,000 | 3,473,000 |
| Pretax income | 4,871,000 | 10,247,000 | 16,658,000 | 22,278,000 |
| Income tax | 1,508,000 | 3,691,000 | 5,853,000 | 7,853,000 |
| Net income | 3,363,000 | 6,556,000 | 10,805,000 | 14,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,418,000 | 75,764,000 | 79,158,000 | 81,814,000 |
| Total capital | 80,706,000 | 83,578,000 | 87,771,000 | 90,793,000 |
| Risk-weighted assets | 699,241,000 | 704,115,000 | 731,084,000 | 780,711,000 |
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