Call reports 2007
BRAVERA BANK — 2007
What BRAVERA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 251,395,000 | 251,880,000 | 246,473,000 | 250,683,000 |
| Total loans | 185,537,000 | 187,587,000 | 182,611,000 | 175,539,000 |
| Allowance for loan losses | 4,061,000 | 5,397,000 | 2,644,000 | 2,731,000 |
| Securities available for sale | 46,300,000 | 43,655,000 | 42,039,000 | 40,752,000 |
| Securities held to maturity | 682,000 | 675,000 | 663,000 | 656,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,778,000 | 209,494,000 | 210,116,000 | 219,233,000 |
| Interest-bearing deposits | 185,119,000 | 182,394,000 | 184,461,000 | 196,481,000 |
| Noninterest-bearing deposits | 24,659,000 | 27,100,000 | 25,655,000 | 22,752,000 |
| Equity capital | 26,951,000 | 26,460,000 | 25,387,000 | 21,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,904,000 | 7,887,000 | 11,732,000 | 15,549,000 |
| Interest expense | 1,571,000 | 3,162,000 | 4,750,000 | 6,286,000 |
| Net interest income | 2,333,000 | 4,725,000 | 6,982,000 | 9,263,000 |
| Noninterest income | 593,000 | 1,263,000 | 1,899,000 | 2,546,000 |
| Noninterest expense | 1,842,000 | 3,771,000 | 6,035,000 | 12,254,000 |
| Provision for loan losses | 76,000 | 1,533,000 | 4,253,000 | 4,406,000 |
| Pretax income | 1,008,000 | 684,000 | -1,407,000 | -4,851,000 |
| Income tax | 344,000 | 224,000 | -508,000 | -326,000 |
| Net income | 664,000 | 460,000 | -899,000 | -4,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,582,000 | 20,499,000 | 19,260,000 | 19,554,000 |
| Total capital | 23,079,000 | 23,019,000 | 21,736,000 | 21,998,000 |
| Risk-weighted assets | 203,369,000 | 198,661,000 | 197,829,000 | 197,988,000 |