| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Total interest expense | - | - | 11,341 | 14,008 |
| Loans, including fees | 32,924 | 31,634 | 30,149 | 29,998 |
| Taxable securities | 9,104 | 9,295 | 9,138 | 11,991 |
| Tax-exempt securities | 1,580 | 1,577 | 1,576 | 1,584 |
| Federal funds sold and other | 329 | 211 | 590 | 1,225 |
| Total interest income | 43,937 | 42,717 | 41,453 | 44,798 |
| Deposits | 9,606 | 9,326 | 9,372 | 11,980 |
| Federal funds purchased and repurchase agreements | 420 | 596 | 71 | 62 |
| Federal home loan bank advances | 857 | 1,057 | 816 | 786 |
| Long-term debt | 429 | 430 | 430 | 429 |
| Subordinated debentures | 657 | 655 | 652 | 751 |
| Total interest expense | 11,969 | 12,064 | - | - |
| Net interest income | 31,968 | 30,653 | 30,112 | 30,790 |
| Debt securities, held-to-maturity, credit loss expense (reversal) | - | - | - | -1 |
| Credit loss expense - loans | 3,709 | 1,210 | 1,961 | 1,240 |
| Credit loss (benefit) expense - unfunded commitments | -20 | -10 | 110 | -120 |
| Net interest income after credit loss expense | 28,279 | 29,453 | 28,041 | 29,431 |
| Service charges and fees on deposit accounts-Deposit Account | 6,065 | 5,855 | - | - |
| Increase in cash surrender value of life insurance | 410 | 1,316 | -265 | 540 |
| Service charges and fees on deposit accounts | - | - | 5,581 | 6,205 |
| Net (loss) gain on sale of fixed assets | - | -19 | -2 | - |
| Net gain (loss) on sale of securities available-for-sale | - | 1 | 122 | 73 |
| Earnings on separate account life insurance | 608 | - | - | - |
| Other income | 975 | 1,400 | 1,206 | 971 |
| Total noninterest income | 8,058 | 8,553 | 6,642 | 7,789 |
| Salaries and benefits | 12,827 | 12,544 | 13,003 | 12,363 |
| Occupancy and equipment costs | 3,234 | 3,142 | 2,978 | 2,995 |
| Other | 7,574 | 8,081 | 6,436 | 7,452 |
| Total noninterest expense | 23,635 | 23,767 | 22,417 | 22,810 |
| Income before taxes | 12,702 | 14,239 | 12,266 | 14,410 |
| Provision for income taxes | 3,003 | 3,606 | 3,165 | 3,807 |
| Net income | 9,699 | 10,633 | 9,101 | 10,603 |
| Earnings per share basic | 0.73 | 0.78 | 0.66 | 0.75 |
| Earnings per share diluted | 0.72 | 0.78 | 0.65 | 0.74 |
| Weighted average number of diluted shares outstanding | 13,470,658 | 13,637,252 | 13,916,341 | 14,335,706 |
| Weighted average number of shares outstanding basic | 13,361,594 | 13,563,910 | 13,820,008 | 14,188,051 |
SIERRA BANCORP (BSRR)
SIERRA BANCORP (BSRR)