Call reports 2003
BRAVERA BANK — 2003
What BRAVERA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 200,430,000 | 200,719,000 | 207,794,000 | 212,775,000 |
| Total loans | 128,152,000 | 132,896,000 | 134,321,000 | 137,076,000 |
| Allowance for loan losses | 1,373,000 | 1,499,000 | 1,527,000 | 1,446,000 |
| Securities available for sale | 36,567,000 | 37,439,000 | 40,862,000 | 45,373,000 |
| Securities held to maturity | 1,892,000 | 1,898,000 | 1,853,000 | 1,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,788,000 | 167,806,000 | 169,816,000 | 174,356,000 |
| Interest-bearing deposits | 149,565,000 | 150,895,000 | 148,727,000 | 150,653,000 |
| Noninterest-bearing deposits | 18,223,000 | 16,911,000 | 21,089,000 | 23,703,000 |
| Equity capital | 25,298,000 | 25,535,000 | 25,338,000 | 25,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,649,000 | 5,378,000 | 8,070,000 | 10,749,000 |
| Interest expense | 770,000 | 1,471,000 | 2,132,000 | 2,776,000 |
| Net interest income | 1,879,000 | 3,907,000 | 5,938,000 | 7,973,000 |
| Noninterest income | 527,000 | 878,000 | 1,231,000 | 1,581,000 |
| Noninterest expense | 1,576,000 | 3,070,000 | 4,611,000 | 6,114,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 755,000 | 1,565,000 | 2,333,000 | 3,140,000 |
| Income tax | 246,000 | 554,000 | 850,000 | 1,142,000 |
| Net income | 509,000 | 1,011,000 | 1,483,000 | 1,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,664,000 | 16,701,000 | 16,916,000 | 17,553,000 |
| Total capital | 18,037,000 | 18,200,000 | 18,443,000 | 18,999,000 |
| Risk-weighted assets | 148,567,000 | 152,825,000 | 154,590,000 | 156,268,000 |