Call reports 2006
BRAVERA BANK — 2006
What BRAVERA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 249,492,000 | 255,076,000 | 258,983,000 | 255,909,000 |
| Total loans | 176,514,000 | 183,363,000 | 186,626,000 | 186,242,000 |
| Allowance for loan losses | 2,232,000 | 2,399,000 | 3,732,000 | 3,770,000 |
| Securities available for sale | 50,849,000 | 49,271,000 | 50,620,000 | 48,194,000 |
| Securities held to maturity | 419,000 | 413,000 | 401,000 | 689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,275,000 | 207,573,000 | 204,306,000 | 211,557,000 |
| Interest-bearing deposits | 178,027,000 | 181,127,000 | 176,333,000 | 180,855,000 |
| Noninterest-bearing deposits | 26,248,000 | 26,446,000 | 27,973,000 | 30,702,000 |
| Equity capital | 26,868,000 | 26,479,000 | 25,746,000 | 26,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,587,000 | 7,398,000 | 11,349,000 | 15,358,000 |
| Interest expense | 1,129,000 | 2,459,000 | 3,954,000 | 5,535,000 |
| Net interest income | 2,458,000 | 4,939,000 | 7,395,000 | 9,823,000 |
| Noninterest income | 535,000 | 1,126,000 | 1,671,000 | 2,253,000 |
| Noninterest expense | 1,829,000 | 3,823,000 | 5,627,000 | 7,414,000 |
| Provision for loan losses | 122,000 | 300,000 | 2,892,000 | 3,235,000 |
| Pretax income | 1,042,000 | 1,942,000 | 547,000 | 1,427,000 |
| Income tax | 359,000 | 723,000 | 4,000 | 408,000 |
| Net income | 683,000 | 1,219,000 | 543,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,196,000 | 20,236,000 | 19,202,000 | 19,798,000 |
| Total capital | 22,428,000 | 22,635,000 | 21,795,000 | 22,361,000 |
| Risk-weighted assets | 193,129,000 | 205,364,000 | 205,575,000 | 203,796,000 |