Call reports 2010
BRAVERA BANK — 2010
What BRAVERA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 553,114,000 | 539,620,000 | 557,760,000 | 572,647,000 |
| Total loans | 367,604,000 | 375,174,000 | 384,689,000 | 385,149,000 |
| Allowance for loan losses | 5,242,000 | 5,335,000 | 5,462,000 | 4,641,000 |
| Securities available for sale | 109,759,000 | 107,169,000 | 117,258,000 | 126,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 492,193,000 | 473,698,000 | 489,103,000 | 503,042,000 |
| Interest-bearing deposits | 408,238,000 | 392,871,000 | 397,397,000 | 397,590,000 |
| Noninterest-bearing deposits | 83,955,000 | 80,827,000 | 91,705,000 | 105,452,000 |
| Equity capital | 48,323,000 | 50,372,000 | 53,184,000 | 54,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,760,000 | 13,617,000 | 20,696,000 | 27,833,000 |
| Interest expense | 1,131,000 | 2,084,000 | 2,916,000 | 3,594,000 |
| Net interest income | 5,629,000 | 11,533,000 | 17,780,000 | 24,239,000 |
| Noninterest income | 2,437,000 | 4,808,000 | 8,079,000 | 10,971,000 |
| Noninterest expense | 6,016,000 | 11,811,000 | 17,871,000 | 24,218,000 |
| Provision for loan losses | 790,000 | 990,000 | 1,230,000 | 620,000 |
| Pretax income | 1,262,000 | 3,542,000 | 6,760,000 | 10,374,000 |
| Income tax | 372,000 | 938,000 | 1,787,000 | 2,769,000 |
| Net income | 890,000 | 2,604,000 | 4,973,000 | 7,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,967,000 | 44,874,000 | 46,777,000 | 49,125,000 |
| Total capital | 47,973,000 | 49,940,000 | 51,900,000 | 53,866,000 |
| Risk-weighted assets | 400,205,000 | 404,943,000 | 409,423,000 | 409,976,000 |