Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2019

Actual and required capital amounts (in thousands) and ratios are presented below at year end.


	2019			2018
	Capital Amount		Ratio	Capital Amount		Ratio
Leverage Ratio
Sierra Bancorp and subsidiary	$	306,744	11.91%	$	282,484	11.49%
Minimum requirement for "Well-Capitalized" institutions		128,769	5.0%		122,962	5.0%
Minimum regulatory requirement		103,016	4.0%		98,370	4.0%

Bank of the Sierra	$	301,963	11.73%	$	280,184	11.39%
Minimum requirement for "Well-Capitalized" institutions		128,753	5.0%		140,092	5.0%
Minimum regulatory requirement		103,002	4.0%		98,364	4.0%


	2019			2018
	Capital Amount		Ratio	Capital Amount		Ratio
Common Equity Tier 1 Capital Ratio
Sierra Bancorp and subsidiary	$	271,799	13.27%	$	247,717	12.61%
Minimum requirements for "Well-Capitalized" institutions		133,095	6.5%		127,709	6.5%
Minimum regulatory requirement		92,143	4.5%		88,414	4.5%

Bank of the Sierra	$	301,963	14.75%	$	280,184	14.25%
Minimum requirements for "Well-Capitalized" institutions		133,077	6.5%		127,776	6.5%
Minimum regulatory requirement		92,130	4.5%		88,461	4.5%

Tier 1 Risk-Based Capital Ratio
Sierra Bancorp and subsidiary	$	306,744	14.98%	$	282,484	14.38%
Minimum requirement for "Well-Capitalized" institutions		163,809	8.0%		157,181	8.0%
Minimum regulatory requirement		122,857	6.0%		117,885	6.0%

Bank of the Sierra	$	301,963	14.75%	$	280,184	14.25%
Minimum requirement for "Well-Capitalized" institutions		163,787	8.0%		157,263	8.0%
Minimum regulatory requirement		122,840	6.0%		117,947	6.0%

Total Risk-Based Capital Ratio
Sierra Bancorp and subsidiary	$	316,981	15.48%	$	292,618	14.89%
Minimum requirement for "Well-Capitalized" institutions		204,762	10.0%		196,476	10.0%
Minimum regulatory requirement		163,809	8.0%		157,181	8.0%

Bank of the Sierra	$	312,200	15.25%	$	290,318	14.77%
Minimum requirement for "Well-Capitalized" institutions		204,734	10.0%		196,579	10.0%
Minimum regulatory requirement		163,787	8.0%		157,263	8.0%