Call reports 2012
BRAVERA BANK — 2012
What BRAVERA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 960,940,000 | 942,767,000 | 950,754,000 | 990,471,000 |
| Total loans | 463,530,000 | 502,352,000 | 523,073,000 | 547,288,000 |
| Allowance for loan losses | 5,425,000 | 5,413,000 | 5,659,000 | 6,221,000 |
| Securities available for sale | 301,857,000 | 313,833,000 | 327,114,000 | 331,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 861,354,000 | 843,946,000 | 846,257,000 | 886,925,000 |
| Interest-bearing deposits | 680,559,000 | 659,232,000 | 650,057,000 | 667,784,000 |
| Noninterest-bearing deposits | 180,796,000 | 184,715,000 | 196,200,000 | 219,141,000 |
| Equity capital | 82,461,000 | 86,666,000 | 90,187,000 | 88,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,582,000 | 17,361,000 | 26,437,000 | 35,654,000 |
| Interest expense | 501,000 | 889,000 | 1,199,000 | 1,484,000 |
| Net interest income | 8,081,000 | 16,472,000 | 25,238,000 | 34,170,000 |
| Noninterest income | 3,344,000 | 6,514,000 | 10,266,000 | 14,537,000 |
| Noninterest expense | 7,073,000 | 13,974,000 | 21,122,000 | 29,955,000 |
| Provision for loan losses | 0 | 0 | 535,000 | 1,073,000 |
| Pretax income | 4,346,000 | 9,007,000 | 13,845,000 | 17,677,000 |
| Income tax | 1,290,000 | 2,696,000 | 3,893,000 | 5,096,000 |
| Net income | 3,056,000 | 6,311,000 | 9,952,000 | 12,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,899,000 | 76,328,000 | 79,362,000 | 78,769,000 |
| Total capital | 78,446,000 | 81,864,000 | 85,047,000 | 85,023,000 |
| Risk-weighted assets | 555,134,000 | 578,477,000 | 596,032,000 | 622,155,000 |