Call reports 2002
CENTRAL SIERRA BANK — 2002
What CENTRAL SIERRA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 138,386,000 | 133,288,000 | 135,716,000 | 137,389,000 |
| Total loans | 77,218,000 | 82,871,000 | 86,046,000 | 86,684,000 |
| Allowance for loan losses | 1,168,000 | 1,182,000 | 1,207,000 | 1,210,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,617,000 | 18,091,000 | 15,095,000 | 11,487,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,824,000 | 114,824,000 | 117,328,000 | 118,659,000 |
| Interest-bearing deposits | 96,680,000 | 91,024,000 | 92,514,000 | 93,771,000 |
| Noninterest-bearing deposits | 23,144,000 | 23,800,000 | 24,814,000 | 24,888,000 |
| Equity capital | 10,237,000 | 10,342,000 | 10,505,000 | 10,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,682,000 | 5,564,000 | 7,395,000 |
| Interest expense | 694,000 | 1,244,000 | 1,759,000 | 2,241,000 |
| Net interest income | 1,167,000 | 2,438,000 | 3,805,000 | 5,154,000 |
| Noninterest income | 259,000 | 524,000 | 795,000 | 1,112,000 |
| Noninterest expense | 1,154,000 | 2,284,000 | 3,415,000 | 4,624,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 45,000 |
| Pretax income | 257,000 | 648,000 | 1,145,000 | 1,597,000 |
| Income tax | 102,000 | 258,000 | 462,000 | 640,000 |
| Net income | 155,000 | 390,000 | 683,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,237,000 | 10,342,000 | 10,505,000 | 10,779,000 |
| Total capital | 11,332,000 | 11,476,000 | 11,662,000 | 11,932,000 |
| Risk-weighted assets | 87,561,000 | 90,703,000 | 92,487,000 | 92,218,000 |