Call reports 2008
BRAVERA BANK — 2008
What BRAVERA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 257,170,000 | 248,313,000 | 247,625,000 | 257,779,000 |
| Total loans | 162,491,000 | 165,483,000 | 164,275,000 | 163,645,000 |
| Allowance for loan losses | 3,300,000 | 3,131,000 | 2,704,000 | 2,459,000 |
| Securities available for sale | 44,306,000 | 58,537,000 | 59,914,000 | 61,282,000 |
| Securities held to maturity | 644,000 | 622,000 | 616,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,443,000 | 217,916,000 | 218,484,000 | 226,804,000 |
| Interest-bearing deposits | 202,854,000 | 197,158,000 | 189,833,000 | 197,796,000 |
| Noninterest-bearing deposits | 21,589,000 | 20,758,000 | 28,651,000 | 29,008,000 |
| Equity capital | 22,622,000 | 22,463,000 | 23,103,000 | 24,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,714,000 | 7,384,000 | 10,834,000 | 14,200,000 |
| Interest expense | 1,437,000 | 2,712,000 | 3,873,000 | 4,959,000 |
| Net interest income | 2,277,000 | 4,672,000 | 6,961,000 | 9,241,000 |
| Noninterest income | 1,034,000 | 1,709,000 | 2,367,000 | 3,077,000 |
| Noninterest expense | 2,319,000 | 4,623,000 | 6,971,000 | 9,381,000 |
| Provision for loan losses | 558,000 | 436,000 | 287,000 | -12,000 |
| Pretax income | 434,000 | 1,322,000 | 2,070,000 | 2,949,000 |
| Income tax | 74,000 | 315,000 | 538,000 | 1,094,000 |
| Net income | 360,000 | 1,007,000 | 1,532,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,034,000 | 20,802,000 | 21,447,000 | 21,891,000 |
| Total capital | 22,385,000 | 22,958,000 | 23,609,000 | 23,946,000 |
| Risk-weighted assets | 187,071,000 | 176,873,000 | 172,381,000 | 171,531,000 |