Call reports 2025
BANK OF THE SIERRA — 2025
What BANK OF THE SIERRA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,603,679,000 | 3,766,071,000 | 3,706,266,000 | 3,826,215,000 |
| Total loans | 2,306,664,000 | 2,434,609,000 | 2,491,789,000 | 2,546,846,000 |
| Allowance for loan losses | 27,050,000 | 21,680,000 | 25,180,000 | 21,480,000 |
| Securities available for sale | 620,288,000 | 668,834,000 | 596,933,000 | 625,330,000 |
| Securities held to maturity | 302,138,000 | 298,500,000 | 294,526,000 | 290,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,853,421,000 | 2,983,054,000 | 2,941,140,000 | 2,883,364,000 |
| Interest-bearing deposits | 1,813,039,000 | 1,908,727,000 | 1,859,833,000 | 1,880,813,000 |
| Noninterest-bearing deposits | 1,040,382,000 | 1,074,327,000 | 1,081,307,000 | 1,002,551,000 |
| Equity capital | 432,518,000 | 430,250,000 | 435,186,000 | 442,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 41,453,000 | 84,170,000 | 128,108,000 | 171,388,000 |
| Interest expense | 10,260,000 | 21,238,000 | 32,121,000 | 42,383,000 |
| Net interest income | 31,193,000 | 62,932,000 | 95,987,000 | 129,005,000 |
| Noninterest income | 6,520,000 | 15,071,000 | 23,129,000 | 30,469,000 |
| Noninterest expense | 21,829,000 | 44,779,000 | 67,647,000 | 89,904,000 |
| Provision for loan losses | 1,961,000 | 3,171,000 | 6,880,000 | 6,095,000 |
| Pretax income | 13,935,000 | 30,077,000 | 44,633,000 | 63,595,000 |
| Income tax | 3,658,000 | 7,827,000 | 11,378,000 | 16,160,000 |
| Net income | 10,277,000 | 22,250,000 | 33,255,000 | 47,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 433,634,000 | 431,307,000 | 432,874,000 | 437,868,000 |