Call reports 2003
WESTERN SIERRA NATIONAL BANK — 2003
What WESTERN SIERRA NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 414,188,000 | 436,452,000 | 449,979,000 | 453,189,000 |
| Total loans | 336,335,000 | 346,051,000 | 351,367,000 | 374,173,000 |
| Allowance for loan losses | 4,406,000 | 4,680,000 | 4,901,000 | 5,024,000 |
| Securities available for sale | 33,310,000 | 34,550,000 | 39,932,000 | 36,828,000 |
| Securities held to maturity | 5,294,000 | 5,099,000 | 3,698,000 | 3,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,784,000 | 389,334,000 | 398,891,000 | 397,166,000 |
| Interest-bearing deposits | 275,399,000 | 285,897,000 | 291,038,000 | 284,187,000 |
| Noninterest-bearing deposits | 93,385,000 | 103,437,000 | 107,853,000 | 112,979,000 |
| Equity capital | 34,309,000 | 34,604,000 | 36,771,000 | 39,096,000 |
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 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,318,000 | 12,824,000 | 19,447,000 | 26,173,000 |
| Interest expense | 1,215,000 | 2,470,000 | 3,693,000 | 4,796,000 |
| Net interest income | 5,103,000 | 10,354,000 | 15,754,000 | 21,377,000 |
| Noninterest income | 1,347,000 | 2,869,000 | 4,478,000 | 5,862,000 |
| Noninterest expense | 3,163,000 | 6,377,000 | 9,846,000 | 13,282,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,230,000 |
| Pretax income | 2,987,000 | 6,246,000 | 9,505,000 | 12,745,000 |
| Income tax | 940,000 | 1,971,000 | 2,952,000 | 3,906,000 |
| Net income | 2,047,000 | 4,275,000 | 6,553,000 | 8,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,667,000 | 33,906,000 | 36,192,000 | 38,487,000 |
| Total capital | 38,073,000 | 38,586,000 | 41,093,000 | 43,511,000 |
| Risk-weighted assets | 355,772,000 | 374,226,000 | 397,123,000 | 415,063,000 |
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