Call reports 2005
WESTERN SIERRA NATIONAL BANK — 2005
What WESTERN SIERRA NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 561,076,000 | 583,973,000 | 615,626,000 | 605,986,000 |
| Total loans | 459,411,000 | 475,832,000 | 495,781,000 | 504,367,000 |
| Allowance for loan losses | 6,596,000 | 6,645,000 | 6,959,000 | 7,301,000 |
| Securities available for sale | 35,640,000 | 34,208,000 | 32,387,000 | 31,252,000 |
| Securities held to maturity | 3,017,000 | 2,955,000 | 2,919,000 | 2,888,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,824,000 | 488,900,000 | 516,907,000 | 500,689,000 |
| Interest-bearing deposits | 346,427,000 | 335,488,000 | 339,501,000 | 349,196,000 |
| Noninterest-bearing deposits | 151,397,000 | 153,412,000 | 177,406,000 | 151,493,000 |
| Equity capital | 50,985,000 | 54,173,000 | 57,110,000 | 60,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,120,000 | 16,727,000 | 26,328,000 | 36,430,000 |
| Interest expense | 1,433,000 | 3,164,000 | 5,213,000 | 7,474,000 |
| Net interest income | 6,687,000 | 13,563,000 | 21,115,000 | 28,956,000 |
| Noninterest income | 1,476,000 | 3,609,000 | 5,650,000 | 7,472,000 |
| Noninterest expense | 3,954,000 | 8,141,000 | 12,392,000 | 16,980,000 |
| Provision for loan losses | 175,000 | 475,000 | 845,000 | 1,045,000 |
| Pretax income | 4,035,000 | 8,557,000 | 13,529,000 | 18,404,000 |
| Income tax | 1,452,000 | 3,093,000 | 4,922,000 | 6,724,000 |
| Net income | 2,583,000 | 5,464,000 | 8,607,000 | 11,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,635,000 | 53,525,000 | 56,677,000 | 59,759,000 |
| Total capital | 56,800,000 | 59,870,000 | 63,274,000 | 66,490,000 |
| Risk-weighted assets | 493,381,000 | 506,774,000 | 527,093,000 | 537,177,000 |