Call reports 2003
PLACER SIERRA BANK — 2003
What PLACER SIERRA 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 | 974,424,000 | 967,661,000 | 996,545,000 | 948,738,000 |
| Total loans | 598,806,000 | 594,365,000 | 612,648,000 | 650,317,000 |
| Allowance for loan losses | 8,265,000 | 7,693,000 | 7,891,000 | 8,030,000 |
| Securities available for sale | 132,177,000 | 123,076,000 | 154,714,000 | 144,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 826,332,000 | 820,131,000 | 849,017,000 | 794,094,000 |
| Interest-bearing deposits | 609,989,000 | 607,958,000 | 618,501,000 | 574,690,000 |
| Noninterest-bearing deposits | 216,343,000 | 212,173,000 | 230,516,000 | 219,404,000 |
| Equity capital | 125,040,000 | 125,318,000 | 124,918,000 | 128,249,000 |
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 | 11,826,000 | 23,269,000 | 34,550,000 | 46,322,000 |
| Interest expense | 2,110,000 | 4,126,000 | 5,752,000 | 7,189,000 |
| Net interest income | 9,716,000 | 19,143,000 | 28,798,000 | 39,133,000 |
| Noninterest income | 2,083,000 | 4,600,000 | 6,856,000 | 11,853,000 |
| Noninterest expense | 7,788,000 | 15,190,000 | 22,567,000 | 31,333,000 |
| Provision for loan losses | 0 | 240,000 | 449,000 | 659,000 |
| Pretax income | 4,011,000 | 8,313,000 | 13,320,000 | 19,696,000 |
| Income tax | 1,539,000 | 3,193,000 | 5,158,000 | 7,732,000 |
| Net income | 2,472,000 | 5,120,000 | 8,162,000 | 11,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,407,000 | 68,650,000 | 68,919,000 | 73,219,000 |
| Total capital | 76,057,000 | 76,267,000 | 76,719,000 | 81,297,000 |
| Risk-weighted assets | 611,413,000 | 608,826,000 | 623,491,000 | 644,804,000 |