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

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Balance Sheet ($000)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,697,1121,314,33029.121,627,26417.17
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve9,4638,7847.739,13614.32
Net Loans Receivable1,687,6491,305,54629.271,618,12817.19
Intangible Assets34,08110,751217.0034,276(2.28)
Total Assets2,463,0402,077,99318.532,425,4436.20
Deposits2,106,0531,779,57918.352,087,9223.47
Debt, Senior and Subordinated67,34455,32321.7351,916118.87
Common Equity263,208219,08320.14260,2384.57
Total Shareholders' Equity263,208219,08320.14260,2384.57
Shares Outstanding (actual)15,277,71013,840,42910.3815,258,1000.51
Income Statement ($000)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income23,77618,43528.9722,80017.12
Provision for Loan Losses2,4500NM3002,866.67
Noninterest Income5,7024,99214.224,71683.63
Noninterest Expense17,77515,02118.3316,43032.74
Net Income Before Taxes9,2428,9003.8410,635(52.39)
Provision for Taxes2,1713,158(31.25)2,643(71.43)
Net Income7,0715,74223.157,992(46.10)
Per Share Items ($)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share17.2315.838.8417.064.05
Tangible Book Value15.0015.05(0.37)14.815.08
Diluted EPS Before Extra0.460.4112.200.52(46.15)
Diluted EPS After Extra0.460.4112.200.52(46.15)
Dividends Declared0.16000.140014.290.16000.00
Performance Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.151.1051.34(19)
ROAE10.6610.452112.44(178)
Net Interest Margin4.273.97304.243
Loans / Deposits80.5873.8667377.94265
Efficiency Ratio59.5963.90(431)60.44(85)
Balance Sheet Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.4310.08(64)9.45(2)
Equity/ Assets10.6910.541410.73(4)
Asset Quality Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.990.9450.7128
Loan Loss Reserves/ Gross Loans0.560.67(11)0.560
Loan Loss Reserves/ NPAs38.6845.05(636)53.16(1,448)
Net Charge-offs/ Avg Loans0.510.14370.0447
Regulatory Capital Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio14.3516.64(229)14.69(34)
   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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