Call reports 2004
WESTERN SIERRA NATIONAL BANK — 2004
What WESTERN SIERRA NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 487,440,000 | 545,199,000 | 526,664,000 | 556,868,000 |
| Total loans | 404,073,000 | 418,202,000 | 445,319,000 | 453,771,000 |
| Allowance for loan losses | 5,346,000 | 5,586,000 | 5,842,000 | 6,367,000 |
| Securities available for sale | 35,389,000 | 40,335,000 | 40,449,000 | 38,803,000 |
| Securities held to maturity | 3,311,000 | 3,241,000 | 3,175,000 | 3,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,540,000 | 481,366,000 | 474,193,000 | 502,851,000 |
| Interest-bearing deposits | 303,220,000 | 338,557,000 | 340,046,000 | 359,843,000 |
| Noninterest-bearing deposits | 121,320,000 | 142,809,000 | 134,147,000 | 143,008,000 |
| Equity capital | 41,512,000 | 43,270,000 | 46,088,000 | 48,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,006,000 | 14,426,000 | 22,152,000 | 30,139,000 |
| Interest expense | 1,058,000 | 2,250,000 | 3,491,000 | 4,818,000 |
| Net interest income | 5,948,000 | 12,176,000 | 18,661,000 | 25,321,000 |
| Noninterest income | 1,479,000 | 3,046,000 | 4,510,000 | 6,399,000 |
| Noninterest expense | 3,623,000 | 7,238,000 | 10,950,000 | 15,191,000 |
| Provision for loan losses | 345,000 | 735,000 | 1,166,000 | 1,691,000 |
| Pretax income | 3,459,000 | 7,238,000 | 11,044,000 | 14,827,000 |
| Income tax | 1,265,000 | 2,664,000 | 4,072,000 | 5,308,000 |
| Net income | 2,194,000 | 4,574,000 | 6,972,000 | 9,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,690,000 | 43,079,000 | 45,486,000 | 48,043,000 |
| Total capital | 46,036,000 | 48,665,000 | 51,328,000 | 54,084,000 |
| Risk-weighted assets | 440,628,000 | 467,361,000 | 477,554,000 | 483,581,000 |
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