Call reports 2007
BANK OF THE SIERRA — 2007
What BANK OF THE SIERRA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,214,720,000 | 1,214,934,000 | 1,206,890,000 | 1,232,725,000 |
| Total loans | 901,484,000 | 906,036,000 | 903,323,000 | 921,588,000 |
| Allowance for loan losses | 11,612,000 | 12,103,000 | 12,195,000 | 12,276,000 |
| Securities available for sale | 190,615,000 | 186,081,000 | 184,557,000 | 184,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 903,580,000 | 927,228,000 | 888,815,000 | 850,644,000 |
| Interest-bearing deposits | 643,209,000 | 679,395,000 | 654,749,000 | 606,383,000 |
| Noninterest-bearing deposits | 260,371,000 | 247,833,000 | 234,066,000 | 244,261,000 |
| Equity capital | 120,431,000 | 119,814,000 | 125,659,000 | 128,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 21,870,000 | 44,288,000 | 66,569,000 | 88,006,000 |
| Interest expense | 7,203,000 | 14,617,000 | 22,168,000 | 29,155,000 |
| Net interest income | 14,667,000 | 29,671,000 | 44,401,000 | 58,851,000 |
| Noninterest income | 2,782,000 | 7,273,000 | 10,421,000 | 14,018,000 |
| Noninterest expense | 8,780,000 | 17,459,000 | 25,988,000 | 34,960,000 |
| Provision for loan losses | 900,000 | 1,601,000 | 2,302,000 | 3,252,000 |
| Pretax income | 7,774,000 | 17,895,000 | 26,546,000 | 34,671,000 |
| Income tax | 2,619,000 | 6,247,000 | 9,185,000 | 11,982,000 |
| Net income | 5,155,000 | 11,648,000 | 17,361,000 | 22,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,206,000 | 117,328,000 | 121,562,000 | 123,496,000 |
| Total capital | 127,980,000 | 129,594,000 | 133,919,000 | 135,933,000 |
| Risk-weighted assets | 1,011,564,000 | 1,016,907,000 | 1,008,610,000 | 1,023,772,000 |
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