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Profile - Western Sierra Bancorp (NasdaqNM:WSBA)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Recent Events
Aug 21Price hit new 52-week high ($15.40)
Location
3350 Country Club Drive
Cameron Park, CA 95682
Phone: (530) 677-5600
Fax: (530) 676-2817
Employees (last reported count): 213
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 21%
·Over the last 6 months:
 · 2 insider sells; 13.0K shares
  (1.8% of insider shares)
·Institutional: 3% (4% of float)
(2 institutions)
·Net Inst. Buying: 11.0K shares (+8.66%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Western Sierra Bancorp is the bank holding company for Western Sierra National Bank. The Company engages in consumer, commercial and agricultural banking, offering a wide range of products and services to individuals and businesses in El Dorado, Placer, Sacramento, Lake, Tuolumne and Sonora counties, California. Western Sierra National Bank does not have any affiliates or subsidiaries, other than Lake Community Bank and Sentinel Associates, Inc. Lake Community Bank engages in the general commercial banking business in Lake County, California. Western Sierra's inactive subsidiary, Sentinel Associates, Inc., was formed for the purpose of developing single-family residential real estate.
More from Market Guide: Expanded Business Description

Financial Summary
WSBA is a bank holding company for Western Sierra National Bank, Roseville 1st National Bank and Lake Community Bank. For the six months ended 6/30/01, total interest income increased 12% to $18.1 million. Net interest income after loan loss provision rose 11% to $10 million. Net income increased 61% to $2.4 million. Net interest income reflects loan growth, partially offset by decreased interest spread. Net income reflects improved operational efficiencies.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Charles Bacchi, 57
Chairman
--  
Richard Seeba, 62
Pres, CEO, Director
$164K
Douglas Nordell, 52
Pres and CEO of Lake Community Bank
133K
Kirk Dowdell, 38
COO
168K
Lesa Fynes, 42
Sr. VP, CFO of Western Sierra, Western Sierra National Bank & Roseville 1st National
104K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:WSBAAs of 31-Aug-2001
Price and Volume
52-Week Low
on 20-Sep-2000
$9.762
Recent Price$15.05 
52-Week High
on 21-Aug-2001
$15.40 
Beta-0.71 
Daily Volume (3-month avg)7,500 
Daily Volume (10-day avg)6,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+38.9%
52-Week Change
relative to S&P500
+86.4%
Share-Related Items
Market Capitalization$51.5M
Shares Outstanding3.42M
Float2.70M
Dividends & Splits
Annual Dividendnone 
Last Split: 21 for 20 on 30-Oct-2000
Per-Share Data
Book Value (mrq)$11.17 
Earnings (ttm)$1.36 
Earnings (mrq)$0.37 
Sales (ttm)$10.18 
Cash (mrq)$9.75 
Valuation Ratios
Price/Book (mrq)1.35 
Price/Earnings (ttm)11.08 
Price/Sales (ttm)1.48 
Income Statements
Sales (ttm)$36.0M
EBITDAN/A 
Income available to common (ttm)$4.81M
Profitability
Profit Margin (ttm)13.4%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.03%
Return on Equity (ttm)13.47%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$33.8M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
1,000 
Daily Volume6,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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