Call reports 2004
PLACER SIERRA BANK — 2004
What PLACER SIERRA 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 | 938,002,000 | 986,317,000 | 1,495,688,000 | 1,774,703,000 |
| Total loans | 667,503,000 | 697,773,000 | 1,050,999,000 | 1,294,264,000 |
| Allowance for loan losses | 7,514,000 | 7,844,000 | 12,762,000 | 16,200,000 |
| Securities available for sale | 76,661,000 | 119,156,000 | 72,006,000 | 249,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 780,872,000 | 826,229,000 | 1,263,767,000 | 1,503,330,000 |
| Interest-bearing deposits | 547,964,000 | 587,331,000 | 824,490,000 | 1,014,866,000 |
| Noninterest-bearing deposits | 232,908,000 | 238,898,000 | 439,277,000 | 488,464,000 |
| Equity capital | 131,343,000 | 133,459,000 | 203,175,000 | 234,779,000 |
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 | 11,560,000 | 22,728,000 | 52,267,000 | 71,831,000 |
| Interest expense | 1,284,000 | 2,583,000 | 5,181,000 | 7,428,000 |
| Net interest income | 10,276,000 | 20,145,000 | 47,086,000 | 64,403,000 |
| Noninterest income | 2,712,000 | 5,084,000 | 9,835,000 | 13,121,000 |
| Noninterest expense | 7,528,000 | 14,603,000 | 34,360,000 | 45,436,000 |
| Provision for loan losses | 520,000 | 560,000 | 560,000 | 560,000 |
| Pretax income | 5,146,000 | 10,272,000 | 18,666,000 | 28,193,000 |
| Income tax | 1,743,000 | 3,641,000 | 6,875,000 | 10,686,000 |
| Net income | 3,403,000 | 6,631,000 | 11,791,000 | 17,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,805,000 | 79,863,000 | 125,454,000 | 124,674,000 |
| Total capital | 84,582,000 | 87,944,000 | 138,464,000 | 141,114,000 |
| Risk-weighted assets | 667,126,000 | 698,910,000 | 1,100,675,000 | 1,391,645,000 |