Call reports 2003
CENTRAL SIERRA BANK — 2003
What CENTRAL SIERRA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Total assets | 142,761,000 | 147,873,000 |
| Total loans | 87,061,000 | 83,151,000 |
| Allowance for loan losses | 1,219,000 | 1,521,000 |
| Securities available for sale | 3,017,000 | 2,013,000 |
| Securities held to maturity | 7,343,000 | 5,312,000 |
| Trading assets | 0 | 0 |
| Total deposits | 123,700,000 | 128,694,000 |
| Interest-bearing deposits | 96,902,000 | 99,580,000 |
| Noninterest-bearing deposits | 26,798,000 | 29,114,000 |
| Equity capital | 11,070,000 | 10,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Interest income | 1,777,000 | 3,536,000 |
| Interest expense | 440,000 | 887,000 |
| Net interest income | 1,337,000 | 2,649,000 |
| Noninterest income | 311,000 | 626,000 |
| Noninterest expense | 1,221,000 | 3,080,000 |
| Provision for loan losses | 10,000 | 315,000 |
| Pretax income | 417,000 | -120,000 |
| Income tax | 169,000 | -48,000 |
| Net income | 248,000 | -72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Tier 1 capital | 11,061,000 | 10,740,000 |
| Total capital | 12,240,000 | 11,900,000 |
| Risk-weighted assets | 94,026,000 | 92,434,000 |