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

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Balance Sheet ($000)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,734,5301,560,59411.151,697,1128.82
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve9,7509,0437.829,46312.13
Net Loans Receivable1,724,7801,551,55111.161,687,6498.80
Intangible Assets33,81233,5910.6634,081(3.16)
Total Assets2,522,5022,340,2987.792,463,0409.66
Deposits2,116,3401,988,3866.442,106,0531.95
Debt, Senior and Subordinated107,22664,63865.8967,344236.89
Common Equity273,024255,9426.67263,20814.92
Total Shareholders' Equity273,024255,9426.67263,20814.92
Shares Outstanding (actual)15,300,46015,223,3600.5115,277,7100.60
Income Statement ($000)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income24,05822,5426.7323,7764.74
Provision for Loan Losses1,400(1,440)NM2,450(171.43)
Noninterest Income3,4065,308(35.83)5,702(161.07)
Noninterest Expense16,34617,318(5.61)17,775(32.16)
Net Income Before Taxes10,90110,1507.409,24271.80
Provision for Taxes2,9976,106(50.92)2,171152.19
Net Income7,9044,04495.457,07147.12
Per Share Items ($)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share17.8416.816.1417.2314.30
Tangible Book Value15.6314.617.0415.0016.99
Diluted EPS Before Extra0.510.2696.150.4643.48
Diluted EPS After Extra0.510.2696.150.4643.48
Dividends Declared0.16000.140014.290.16000.00
Performance Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA1.260.68581.1511
ROAE11.786.5352510.66112
Net Interest Margin4.274.30(3)4.270
Loans / Deposits81.9678.4934780.58138
Efficiency Ratio57.7965.80(801)59.59(180)
Balance Sheet Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.619.64(3)9.4318
Equity/ Assets10.8210.94(11)10.6914
Asset Quality Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.680.93(25)0.99(31)
Loan Loss Reserves/ Gross Loans0.560.58(2)0.560
Loan Loss Reserves/ NPAs56.5441.371,51738.681,786
Net Charge-offs/ Avg Loans0.26(0.44)710.51(25)
Regulatory Capital Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio14.3814.79(41)14.353
   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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