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SIERRA BANCORP (NASDAQ - BSRR)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,265,4551,135,02511.491,259,2861.96
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve9,70110,423(6.93)9,880(7.25)
Net Loans Receivable1,255,7541,124,60211.661,249,4062.03
Intangible Assets11,0717,83841.2510,8418.49
Total Assets2,032,8731,796,53713.161,973,24012.09
Deposits1,695,4711,464,62815.761,633,83115.09
Debt, Senior and Subordinated107,504117,633(8.61)115,235(26.84)
Common Equity205,878190,3408.16208,528(5.08)
Total Shareholders' Equity205,878190,3408.16208,528(5.08)
Shares Outstanding (actual)13,776,58913,254,0883.9413,789,501(0.37)
Income Statement ($000)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income17,76515,51314.5216,90720.30
Provision for Loan Losses000.0000.00
Noninterest Income5,2354,46517.254,90327.09
Noninterest Expense14,72012,11421.5114,4288.10
Net Income Before Taxes8,4068,0993.795,777182.03
Provision for Taxes2,8892,7375.551,848225.32
Net Income5,5175,3622.893,929161.67
Per Share Items ($)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share14.9414.364.0615.12(4.71)
Tangible Book Value14.1413.772.6914.34(5.46)
Diluted EPS Before Extra0.400.400.000.28171.43
Diluted EPS After Extra0.400.400.000.28171.43
Dividends Declared0.12000.11009.090.12000.00
Performance Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.121.24(12)0.8131
ROAE10.5211.25(73)7.50302
Net Interest Margin4.034.0123.9310
Loans / Deposits74.6477.50(286)77.08(244)
Efficiency Ratio62.2158.9832372.02(981)
Balance Sheet Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.6410.20(57)10.07(44)
Equity/ Assets10.1310.59(47)10.57(44)
Asset Quality Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.121.41(29)1.19(7)
Loan Loss Reserves/ Gross Loans0.770.92(15)0.78(2)
Loan Loss Reserves/ NPAs42.6041.2713341.9664
Net Charge-offs/ Avg Loans0.06(0.00)60.050
Regulatory Capital Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio16.5316.173616.3023
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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