Call reports 2005
BANK OF THE SIERRA — 2005
What BANK OF THE SIERRA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 998,556,000 | 1,006,386,000 | 1,032,289,000 | 1,048,534,000 |
| Total loans | 681,988,000 | 699,681,000 | 723,852,000 | 739,110,000 |
| Allowance for loan losses | 9,651,000 | 10,783,000 | 11,446,000 | 9,330,000 |
| Securities available for sale | 199,003,000 | 207,143,000 | 202,428,000 | 193,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 780,442,000 | 794,279,000 | 802,726,000 | 821,923,000 |
| Interest-bearing deposits | 527,489,000 | 527,212,000 | 532,684,000 | 533,220,000 |
| Noninterest-bearing deposits | 252,953,000 | 267,067,000 | 270,042,000 | 288,703,000 |
| Equity capital | 89,002,000 | 92,732,000 | 96,555,000 | 99,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 14,659,000 | 30,014,000 | 46,990,000 | 64,373,000 |
| Interest expense | 2,332,000 | 4,893,000 | 7,812,000 | 11,147,000 |
| Net interest income | 12,327,000 | 25,121,000 | 39,178,000 | 53,226,000 |
| Noninterest income | 2,926,000 | 5,236,000 | 7,900,000 | 10,680,000 |
| Noninterest expense | 8,501,000 | 16,550,000 | 24,378,000 | 32,528,000 |
| Provision for loan losses | 1,000,000 | 1,900,000 | 2,350,000 | 3,150,000 |
| Pretax income | 5,752,000 | 11,973,000 | 20,425,000 | 27,900,000 |
| Income tax | 1,876,000 | 3,819,000 | 6,919,000 | 9,511,000 |
| Net income | 3,876,000 | 8,154,000 | 13,506,000 | 18,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,646,000 | 87,844,000 | 92,117,000 | 95,791,000 |
| Total capital | 94,339,000 | 97,736,000 | 102,427,000 | 105,259,000 |
| Risk-weighted assets | 775,374,000 | 790,334,000 | 823,427,000 | 844,887,000 |
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