Call reports 2002
WESTERN SIERRA NATIONAL BANK — 2002
What WESTERN SIERRA NATIONAL 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 | 430,997,000 | 448,442,000 | 372,866,000 | 381,698,000 |
| Total loans | 311,852,000 | 330,328,000 | 303,570,000 | 317,758,000 |
| Allowance for loan losses | 4,067,000 | 4,414,000 | 4,113,000 | 4,100,000 |
| Securities available for sale | 54,095,000 | 52,676,000 | 36,050,000 | 34,647,000 |
| Securities held to maturity | 6,569,000 | 6,115,000 | 5,695,000 | 5,475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,448,000 | 399,377,000 | 328,453,000 | 324,596,000 |
| Interest-bearing deposits | 285,872,000 | 289,221,000 | 239,803,000 | 225,782,000 |
| Noninterest-bearing deposits | 103,576,000 | 110,156,000 | 88,650,000 | 98,814,000 |
| Equity capital | 32,192,000 | 34,753,000 | 30,335,000 | 32,085,000 |
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 | 6,746,000 | 13,531,000 | 19,824,000 | 26,023,000 |
| Interest expense | 1,639,000 | 3,102,000 | 4,443,000 | 5,680,000 |
| Net interest income | 5,107,000 | 10,429,000 | 15,381,000 | 20,343,000 |
| Noninterest income | 1,313,000 | 2,643,000 | 4,182,000 | 5,674,000 |
| Noninterest expense | 3,426,000 | 6,848,000 | 10,115,000 | 13,476,000 |
| Provision for loan losses | 300,000 | 640,000 | 940,000 | 1,240,000 |
| Pretax income | 2,693,000 | 5,575,000 | 8,555,000 | 11,348,000 |
| Income tax | 796,000 | 1,657,000 | 2,587,000 | 3,447,000 |
| Net income | 1,897,000 | 3,918,000 | 5,968,000 | 7,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,459,000 | 34,495,000 | 29,670,000 | 31,612,000 |
| Total capital | 36,526,000 | 38,887,000 | 33,707,000 | 35,712,000 |
| Risk-weighted assets | 337,929,000 | 351,369,000 | 323,029,000 | 336,015,000 |
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