Call reports 2005
PLACER SIERRA BANK — 2005
What PLACER SIERRA 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 | 1,827,624,000 | 1,858,090,000 | 1,855,935,000 | 1,854,693,000 |
| Total loans | 1,294,319,000 | 1,325,861,000 | 1,351,851,000 | 1,375,486,000 |
| Allowance for loan losses | 16,738,000 | 16,475,000 | 16,236,000 | 16,714,000 |
| Securities available for sale | 220,533,000 | 233,649,000 | 229,720,000 | 228,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,558,270,000 | 1,587,271,000 | 1,577,511,000 | 1,576,688,000 |
| Interest-bearing deposits | 1,063,143,000 | 1,081,687,000 | 1,078,960,000 | 1,070,495,000 |
| Noninterest-bearing deposits | 495,127,000 | 505,584,000 | 498,551,000 | 506,193,000 |
| Equity capital | 236,436,000 | 242,646,000 | 246,339,000 | 250,072,000 |
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 | 23,530,000 | 48,297,000 | 74,226,000 | 101,327,000 |
| Interest expense | 2,778,000 | 6,130,000 | 9,821,000 | 13,976,000 |
| Net interest income | 20,752,000 | 42,167,000 | 64,405,000 | 87,351,000 |
| Noninterest income | 3,354,000 | 7,432,000 | 11,811,000 | 16,065,000 |
| Noninterest expense | 13,472,000 | 26,432,000 | 39,584,000 | 52,591,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 10,634,000 | 23,112,000 | 36,576,000 | 50,769,000 |
| Income tax | 4,163,000 | 9,253,000 | 14,586,000 | 20,229,000 |
| Net income | 6,471,000 | 13,859,000 | 21,990,000 | 30,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,964,000 | 133,923,000 | 139,539,000 | 142,404,000 |
| Total capital | 145,978,000 | 150,692,000 | 156,069,000 | 159,421,000 |
| Risk-weighted assets | 1,412,472,000 | 1,442,888,000 | 1,466,483,000 | 1,471,945,000 |