Call reports 2001
WESTERN SIERRA NATIONAL BANK — 2001
What WESTERN SIERRA NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 379,257,000 | 374,295,000 | 413,803,000 | 402,302,000 |
| Total loans | 258,880,000 | 275,782,000 | 295,720,000 | 311,952,000 |
| Allowance for loan losses | 3,199,000 | 3,323,000 | 3,511,000 | 3,776,000 |
| Securities available for sale | 52,915,000 | 41,816,000 | 41,620,000 | 57,889,000 |
| Securities held to maturity | 10,062,000 | 9,011,000 | 7,719,000 | 7,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,181,000 | 344,759,000 | 381,544,000 | 366,217,000 |
| Interest-bearing deposits | 272,412,000 | 266,839,000 | 287,698,000 | 279,588,000 |
| Noninterest-bearing deposits | 77,769,000 | 77,920,000 | 93,846,000 | 86,629,000 |
| Equity capital | 26,284,000 | 27,289,000 | 30,408,000 | 31,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 7,281,000 | 14,193,000 | 21,254,000 | 28,217,000 |
| Interest expense | 3,271,000 | 6,035,000 | 8,534,000 | 10,537,000 |
| Net interest income | 4,010,000 | 8,158,000 | 12,720,000 | 17,680,000 |
| Noninterest income | 978,000 | 2,163,000 | 3,417,000 | 4,689,000 |
| Noninterest expense | 3,207,000 | 6,441,000 | 9,674,000 | 12,746,000 |
| Provision for loan losses | 75,000 | 275,000 | 515,000 | 785,000 |
| Pretax income | 1,707,000 | 3,705,000 | 6,045,000 | 8,935,000 |
| Income tax | 642,000 | 1,384,000 | 2,295,000 | 3,345,000 |
| Net income | 1,065,000 | 2,321,000 | 3,750,000 | 5,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,920,000 | 27,190,000 | 30,134,000 | 31,988,000 |
| Total capital | 29,119,000 | 30,513,000 | 33,645,000 | 35,764,000 |
| Risk-weighted assets | 274,203,000 | 292,676,000 | 314,584,000 | 332,096,000 |