Vitals
  • Total Assets
    577.7M 3.0 %
  • Total Deposits
    453.8M -8.8 %
  • Total Net Loans
    495.0M 9.3 %
  • Net Income
    2.9M 12.7 %
  • Book Value
    62.9M 23.3 %
  • Book Value x2
    125.8M 23.3 %
  • Book Value x3
    188.6M 23.3 %
ROAA

2.009

ROAE

18.929

Efficiency Ratio

49.354

Net Interest Margin

5.577

Balance Sheet Highlights
Financial Highlights Western Sierra National Bank All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 577,669 523,813
Total Net Loans 494,958 409,974
Total Deposits 453,827 403,829
Total Equity 62,880 62,026
Profitability
Net Income 2,910 5,302
Return on Average Assets 2.009 1.515
Return on Average Equity 18.929 14.17
Net Interest Margin 5.577 4.977
Efficiency Ratio 49.354 69.95
Noninterest Income/Revenue 14.982 18.998
Balance Sheet Ratios
Loan-to-Deposit 109.063 85.349
Securities/Assets .058 .575
Total Equity/Total Assets .109 .118
Tangible Equity/Tangible Assets .109 -.191
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 62,678 52,941
Tier 2 Capital 6,688 5,884
Total Capital 69,366 58,207
Total Risk Weighted Assets 533,724 413,878
Leverage Ratio 10.82 13.439
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.74 17.258
Total Capital Ratio 13 18.405

Timeline for Western Sierra National Bank

Umpqua Bank

Western Sierra National Bank was acquired by Umpqua Bank 17 years

View Profile Jun 03 2006

Western Sierra National Bank

Western Sierra National Bank became a new parent organization for Western Sierra National Bank.

View Profile Mar 01 2002

Western Sierra National Bank

Western Sierra National Bank became a new subsidiary organization for Western Sierra National Bank.

View Profile Mar 01 2002

Sentinel Community Bank

Acquisition: Western Sierra National Bank acquired a new subsidiary, Sentinel Community Bank, 23 years

View Profile Jun 01 2000

Roseville 1St National Bank

Acquisition: Western Sierra National Bank acquired a new subsidiary, Roseville 1St National Bank, 24 years

View Profile May 05 2000

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Complete timeline for Western Sierra National Bank is available.

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Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Umpqua Bank Buyer 24,730,514 Acquisition Discontinued 6/3/2006
Sentinel Community Bank Seller 91,424 Pooling of Interests Discontinued 6/1/2000
Roseville 1St National Bank Seller 78,238 Pooling of Interests Discontinued 5/5/2000
Relationships Role Relationship Start Relationship End
Western Sierra Bancorp Parent 12/31/1996 6/2/2006
Western Sierra National Bank Parent 3/1/2002 2/1/2006
Western Sierra National Bank Subsidary 3/1/2002 2/1/2006
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