Call reports 2009
BRAVERA BANK — 2009
What BRAVERA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 250,348,000 | 510,452,000 | 519,617,000 | 548,226,000 |
| Total loans | 142,072,000 | 365,696,000 | 373,288,000 | 367,679,000 |
| Allowance for loan losses | 1,930,000 | 4,926,000 | 5,465,000 | 4,470,000 |
| Securities available for sale | 61,856,000 | 112,243,000 | 108,975,000 | 110,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,939,000 | 439,263,000 | 452,050,000 | 486,206,000 |
| Interest-bearing deposits | 199,508,000 | 396,509,000 | 379,077,000 | 391,721,000 |
| Noninterest-bearing deposits | 20,431,000 | 42,754,000 | 72,973,000 | 94,486,000 |
| Equity capital | 25,493,000 | 48,598,000 | 46,240,000 | 47,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,433,000 | 14,126,000 | 21,164,000 | 28,242,000 |
| Interest expense | 933,000 | 3,202,000 | 4,558,000 | 5,872,000 |
| Net interest income | 2,500,000 | 10,924,000 | 16,606,000 | 22,370,000 |
| Noninterest income | 819,000 | 3,956,000 | 6,428,000 | 8,774,000 |
| Noninterest expense | 2,629,000 | 11,080,000 | 16,741,000 | 22,921,000 |
| Provision for loan losses | -1,129,000 | -949,000 | -299,000 | -329,000 |
| Pretax income | 1,819,000 | 4,797,000 | 6,652,000 | 8,675,000 |
| Income tax | 636,000 | 1,632,000 | 2,261,000 | 3,031,000 |
| Net income | 1,183,000 | 3,165,000 | 4,391,000 | 5,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,194,000 | 45,371,000 | 42,269,000 | 43,685,000 |
| Total capital | 25,139,000 | 50,289,000 | 47,277,000 | 48,170,000 |
| Risk-weighted assets | 157,904,000 | 392,682,000 | 401,128,000 | 403,773,000 |