Call reports 2005
BRAVERA BANK — 2005
What BRAVERA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 225,331,000 | 233,680,000 | 244,376,000 | 248,576,000 |
| Total loans | 158,288,000 | 167,950,000 | 169,254,000 | 172,953,000 |
| Allowance for loan losses | 1,806,000 | 1,909,000 | 2,030,000 | 2,138,000 |
| Securities available for sale | 42,131,000 | 43,928,000 | 42,761,000 | 45,812,000 |
| Securities held to maturity | 669,000 | 665,000 | 432,000 | 426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,139,000 | 188,923,000 | 204,827,000 | 208,148,000 |
| Interest-bearing deposits | 165,020,000 | 163,243,000 | 21,148,000 | 29,498,000 |
| Noninterest-bearing deposits | 22,119,000 | 25,680,000 | 183,679,000 | 178,650,000 |
| Equity capital | 25,133,000 | 25,492,000 | 25,854,000 | 26,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,871,000 | 5,973,000 | 9,276,000 | 12,798,000 |
| Interest expense | 776,000 | 1,666,000 | 2,657,000 | 3,729,000 |
| Net interest income | 2,095,000 | 4,307,000 | 6,619,000 | 9,069,000 |
| Noninterest income | 476,000 | 985,000 | 1,526,000 | 2,028,000 |
| Noninterest expense | 1,678,000 | 3,339,000 | 5,035,000 | 6,733,000 |
| Provision for loan losses | 90,000 | 215,000 | 420,000 | 629,000 |
| Pretax income | 803,000 | 1,738,000 | 2,690,000 | 3,731,000 |
| Income tax | 269,000 | 594,000 | 925,000 | 1,230,000 |
| Net income | 534,000 | 1,144,000 | 1,765,000 | 2,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,843,000 | 18,032,000 | 18,631,000 | 19,393,000 |
| Total capital | 19,649,000 | 19,941,000 | 20,662,000 | 21,531,000 |
| Risk-weighted assets | 179,510,000 | 189,011,000 | 186,638,000 | 189,458,000 |