Call reports 2002
BRAVERA BANK — 2002
What BRAVERA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 187,088,000 | 189,598,000 | 198,405,000 | 200,102,000 |
| Total loans | 118,991,000 | 126,715,000 | 129,408,000 | 123,631,000 |
| Allowance for loan losses | 1,136,000 | 1,239,000 | 1,296,000 | 1,304,000 |
| Securities available for sale | 36,191,000 | 29,853,000 | 32,105,000 | 36,551,000 |
| Securities held to maturity | 1,922,000 | 1,928,000 | 1,881,000 | 1,887,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,847,000 | 161,630,000 | 164,036,000 | 166,465,000 |
| Interest-bearing deposits | 144,457,000 | 143,249,000 | 143,476,000 | 143,967,000 |
| Noninterest-bearing deposits | 15,390,000 | 18,382,000 | 20,559,000 | 22,498,000 |
| Equity capital | 25,426,000 | 26,250,000 | 27,024,000 | 26,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,694,000 | 5,452,000 | 8,369,000 | 11,232,000 |
| Interest expense | 918,000 | 1,779,000 | 2,657,000 | 3,496,000 |
| Net interest income | 1,776,000 | 3,673,000 | 5,712,000 | 7,736,000 |
| Noninterest income | 309,000 | 589,000 | 895,000 | 1,214,000 |
| Noninterest expense | 1,369,000 | 2,792,000 | 4,185,000 | 5,756,000 |
| Provision for loan losses | 45,000 | 464,000 | 539,000 | 614,000 |
| Pretax income | 671,000 | 1,077,000 | 1,954,000 | 2,651,000 |
| Income tax | 269,000 | 224,000 | 618,000 | 993,000 |
| Net income | 402,000 | 853,000 | 1,336,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,797,000 | 17,389,000 | 17,972,000 | 17,635,000 |
| Total capital | 17,933,000 | 18,628,000 | 19,268,000 | 18,939,000 |
| Risk-weighted assets | 122,226,000 | 129,850,000 | 135,516,000 | 144,934,000 |