Sierra Bancorp Reports First Quarter 2025 Results

About this update from Sierra Bancorp

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Sierra Bancorp reported consolidated net income of $9.1 million, or $0.65 per diluted share, for the first quarter of 2025 compared to $9.3 million, or $0.64 per diluted share, in the first quarter of 2024.","length":407,"tagName":"p"},{"type":"text","content":" Highlights for the First Quarter of 2025 (unless otherwise stated): ","length":67,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":" Solid Quarterly Earnings Metrics ","length":32,"tagName":"p","attribs":{}},{"type":"list","items":[{"val":[{"type":"text","content":"Diluted Earnings Per Share increased from the same quarter in 2024.","length":67,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Improved Efficiency Ratio (1) to 60.62% as compared to 65.97% in the same quarter in 2024.","length":90,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Increased Net Interest Margin to 3.74% as compared to 3.65% in the prior linked quarter and 3.62% in the first quarter of 2024. ","length":127,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":284,"olType":false}]},{"val":[{"type":"text","content":" Stable Balance Sheet ","length":20,"tagName":"p","attribs":{}},{"type":"list","items":[{"val":[{"type":"text","content":"Loan growth, exclusive of change in mortgage warehouse line utilization, of $18.6 million, or 4% annualized.","length":108,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Mortgage warehouse utilization declined $43.2 million during the quarter primarily due to $39 million in paydowns during the final week of the quarter.","length":151,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Reduced higher cost brokered deposits by $85.0 million during the quarter, while all other deposits increased by $43.2 million, or 7% annualized.","length":145,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Noninterest-bearing deposits of $1.0 billion at March 31, 2025, represent 36% of total deposits.","length":96,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Uninsured deposits are approximately 28% of total deposit balances. ","length":67,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":567,"olType":false}]},{"val":[{"type":"text","content":" Strong Capital and Liquidity ","length":28,"tagName":"p","attribs":{}},{"type":"list","items":[{"val":[{"type":"text","content":"Increased Tangible Book Value (1) per share by 1% to $23.44 per share during the quarter.","length":89,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Strong regulatory Community Bank Leverage Ratio increased to 12.1% for our subsidiary bank.","length":91,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Repurchased 476,770 shares of stock during the quarter at an average price of $29.71.","length":85,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Declared dividend of $0.25 per share, payable on May 15, 2025.","length":62,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Overall primary and secondary liquidity sources of $2.3 billion at March 31, 2025.","length":82,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":409,"olType":false}]}],"tagName":"ul","bulletedList":true,"length":1340,"olType":false},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"3","rowspan":"1","val":[{"type":"text","content":"____________________","length":20,"tagName":"p"}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:top;","val":[{"type":"text","content":"(1)","length":3,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","val":[]},{"colspan":"1","rowspan":"1","style":"padding-left:0.0px;","val":[{"type":"text","content":"See reconciliation of non-GAAP financial measures to the corresponding GAAP measurement in "Non-GAAP Financial Measures."","length":131,"tagName":"p"}]}]}],"length":154},{"type":"text","content":" "Consistency is the key to achieving and maintaining momentum." – Darren Hardy","length":88,"tagName":"p","attribs":{}},{"type":"text","content":""As we navigate the uncertainty impacting our global and local economy, our banking team has worked diligently to produce consistently solid results," stated Kevin McPhaill, CEO and President. "These efforts resulted in growth of both commercial and real estate loans, as well as increases in each category of customer transaction deposits in the first quarter of 2025. Net interest margin and efficiency ratio also improved. Our team’s resilience and commitment provide us with optimism as we navigate 2025!" McPhaill concluded.","length":549,"tagName":"p"},{"type":"readMore"},{"type":"text","content":" Quarterly Changes (comparisons to the first quarter of 2024) ","length":60,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Net income for the first quarter of 2025 decreased $0.2 million, or 2%, to $9.1 million. There was a favorable increase in net interest income of $1.4 million and a $2.1 million reduction in noninterest expense, which were offset by an increase in the provision for credit losses of $1.9 million as well as reduction of noninterest income of $1.9 million. The $1.4 million increase in net interest income for the quarter was driven by a 12 basis point increase in the net interest margin due to lower cost of deposits and borrowings and an increase in yield on loans, partially offset by lower yields on investments.","length":616,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Noninterest income for the first quarter of 2025, as compared to the same period in 2024, decreased $1.9 million or 23%. In the first quarter of 2024, we had a loss on the sale of bonds from a balance sheet restructure for $3.0 million offset by a gain on the sale/leaseback of two bank-owned branch buildings for $3.8 million, with no like transaction in the first quarter of 2025. We experienced an unfavorable variance of $1.5 million in bank-owned life insurance (BOLI), but had increases in other noninterest income, primarily life insurance proceeds, and dividends for $0.5 million.","length":588,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":1204,"olType":false},{"type":"text","content":" Linked Quarter Changes (comparisons to the three months ended December 31, 2024) ","length":80,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Net income decreased by $1.3 million, or 12%, due mostly to an 8% increase in the effective tax rate resulting from timing differences for amortization of low-income housing tax credit partnership interests. Net interest income decreased by $0.2 million, or 1%, during the quarter due mostly to lower yields on investments, and a decline in mortgage warehouse loan income. These unfavorable variances were partially offset by organic growth in loans, and lower costs of interest-bearing liabilities.","length":499,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Noninterest income declined by $0.9 million, mostly in service charges on deposits, and an unfavorable variance in BOLI income.","length":127,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Noninterest expenses declined $0.4 million, mostly due to a $0.7 million favorable variance in deferred compensation expenses related to the change in BOLI income described above.","length":179,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":805,"olType":false},{"type":"text","content":" Balance Sheet Quarterly Changes (comparisons to December 31, 2024) ","length":66,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Total assets decreased slightly by 0.2%, or $8.1 million, to $3.6 billion, during the first three months of 2025.","length":113,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Gross loans decreased $24.6 million, due to a $43.2 million decrease in mortgage warehouse line utilization, partially offset by a favorable increase in organic loan growth of $18.6 million.","length":190,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Deposits decreased by $41.8 million, or 1%. The decline in deposits came from an $85.0 million planned decrease in brokered deposits, while overall customer deposits increased $43.2 million.","length":190,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":493,"olType":false},{"type":"text","content":"Other financial highlights are reflected in the following table.","length":64,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;border-bottom:solid black 1.0pt;width:53%;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;border-bottom:solid black 1.0pt;width:1%;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;border-bottom:solid black 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The reason for the increase in the first quarter of 2025 is due to an increase in the balance of unfunded commitments on construction loans.","length":330,"tagName":"p"},{"type":"text","content":"All debt securities in an unrealized loss position were primarily attributable to changes in interest rates and volatility in the financial markets and not a result of an expected credit loss.","length":192,"tagName":"p"},{"type":"text","content":" Noninterest Income ","length":18,"tagName":"p"},{"type":"text","content":"Noninterest income decreased by $0.9 million, or 12%, to $6.6 million in the first quarter of 2025 as compared to the linked quarter. Noninterest income decreased by $1.9 million, or 23%, in the first quarter of 2025 as compared to the same quarter in 2024. The decrease in the first quarter of 2025 of $0.9 million, compared to the fourth quarter of 2024, is primarily due to a $0.6 million unfavorable change in bank-owned life insurance (which is mostly offset by a favorable change in deferred compensation as described below), as well as lower service charges on deposit accounts . Partially offsetting these unfavorable variances were $0.2 million in additional life insurance death benefits.","length":697,"tagName":"p"},{"type":"text","content":"Reasons for the $1.9 million decrease in the first quarter of 2025, as compared to the same quarter last year, is due mostly to a $1.5 million unfavorable change in bank owned life insurance associated with deferred compensation plans (as described further below) as well as $0.9 million in year-over-year differences due to the first quarter of 2024 strategic balance sheet restructure, which included a bond sale and sale/leaseback of branch properties. Partially offsetting these unfavorable variances were $0.3 million in additional life insurance death benefits.","length":567,"tagName":"p"},{"type":"text","content":"Service charges and fees on customer deposit accounts declined by $0.5 million, or 8%, to $5.6 million in the first quarter of 2025 as compared to the fourth quarter of 2024. Lower seasonal analysis fees, returned check charges, and debit card interchange fees were the primary drivers of the unfavorable variance. Service charges and fees were $0.1 million lower in the first quarter of 2025 as compared to the first quarter of 2024 primarily due to lower overdraft-related fees.","length":480,"tagName":"p"},{"type":"text","content":"Within noninterest income and noninterest expense are mostly offsetting amounts related to bank owned life insurance and non-qualified deferred compensation. This created a year-over-year unfavorable variance of $1.5 million within noninterest income and a favorable year-over-year $1.5 million variance for noninterest expense.","length":328,"tagName":"p"},{"type":"text","content":" Noninterest Expense ","length":19,"tagName":"p"},{"type":"text","content":"Total noninterest expense decreased $0.4 million, or 2%, in the first quarter of 2025 as compared to the fourth quarter of 2024, and decreased $2.1 million, or 9%, compared to the first quarter of 2024. The primary driver of lower expense in the first quarter of 2025 as compared to the linked quarter, and the same period in 2024, is deferred directors’ fees as part of the Company’s deferred compensation plan. The lower deferred compensation expense was offset by lower bank-owned life insurance income, mostly due to fluctuations in underlying values of assets in the separate account BOLI policies that are designed to have similar assets to those in the deferred compensation plans.","length":688,"tagName":"p"},{"type":"text","content":"Salaries and benefits were $0.3 million higher in the first quarter of 2025 as compared to the fourth quarter of 2024, and $0.2 million lower than the first quarter of 2024. The increase in the linked quarter was due to a change in timing of 401(k) contributions by the Company. The decrease in the year-over-year quarterly comparison is due to several factors, including severance payments in the first quarter of 2024, with no like payments in the first quarter of 2025, and a decrease in deferred compensation expense, due to fluctuations in BOLI income. Overall full-time equivalent employees were 489 at March 31, 2025, as compared to 485 at December 31, 2024, and 492 at March 31, 2024.","length":692,"tagName":"p"},{"type":"text","content":"Occupancy expense decreased $0.2 million for the linked quarters and was mostly unchanged for the first quarter of 2025 as compared to the same quarter last year. The reason for the decreases in the linked quarter comparison is mostly due to modest rent and utility expense decreases as we terminated a storage facility and a satellite administrative office lease.","length":364,"tagName":"p"},{"type":"text","content":"Other noninterest expense decreased $0.5 million, or 7%, in the first quarter of 2025 as compared to the fourth quarter of 2024 and decreased $1.9 million over the first quarter of 2024. The primary reason for the positive variance in both comparisons was decreased directors’ deferred compensation expense which is linked to the fluctuation in BOLI income. Additionally for the first quarter of 2025, as compared to the same period in 2024, debit card processing costs and debit card losses were $0.4 million lower because of the Company’s conversion from Mastercard to VISA.","length":576,"tagName":"p"},{"type":"text","content":"The Company's effective tax rate was 25.8% in the first quarter of 2025 relative to 17.7% in the fourth quarter of 2024, and 26.3% for the first quarter of 2024. The variances in the effective tax rates are due to fluctuations in tax credits and related amortization, as well as tax-exempt income as a percentage of total taxable income.","length":341,"tagName":"p"},{"type":"text","content":" Balance Sheet Summary ","length":21,"tagName":"p"},{"type":"text","content":"The $8.1 million decrease in total assets during the first quarter of 2025 is a result of a $39.1 million decrease in investment securities and a $24.6 million decrease in gross loans, partially offset by a $59.0 million increase in cash on hand.","length":246,"tagName":"p"},{"type":"text","content":"Investment securities decreased $39.1 million, or 4.0%, to $922.4 million primarily due to paydowns in the portfolio, which were partially used to offset brokered deposit maturities.","length":182,"tagName":"p"},{"type":"text","content":"Gross loan balances decreased $24.6 million, or 1%, during the first quarter of 2025. Organic loan growth contributed to a $22.5 million increase in commercial real estate loans, a $2.3 million increase in other construction loans and a $3.4 million increase in commercial loans. Consumer loans had a modest decline, while residential real estate loans decreased $4.9 million, and farmland loans decreased $4.3 million. Mortgage warehouse line utilization decreased $43.2 million, or 13%, due to a combination of seasonality and two large line paydowns shortly before quarter-end. The Company continues to see an increased pipeline of new mortgage warehouse customers.","length":668,"tagName":"p"},{"type":"text","content":"As indicated in the loan rollforward below, new credit extended for the first quarter of 2025 decreased $13.6 million over the linked quarter comparison and increased $31.4 million over the same period in 2024. For the first three months ended 2025, we had $32.7 million in loan paydowns and maturities, along with a $12.1 million decrease in line of credit utilization, and a $46.1 million decrease in mortgage warehouse utilization.","length":434,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;border-bottom:solid black 1.0pt;width:32%;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;border-bottom:solid black 1.0pt;width:1%;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;border-bottom:solid black 1.0pt;width:1%;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"2","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;border-bottom:solid 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