Call reports 2013
BRAVERA BANK — 2013
What BRAVERA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,028,780,000 | 975,009,000 | 1,011,527,000 | 1,129,209,000 |
| Total loans | 544,391,000 | 563,880,000 | 584,785,000 | 607,636,000 |
| Allowance for loan losses | 6,457,000 | 6,467,000 | 6,733,000 | 6,532,000 |
| Securities available for sale | 341,601,000 | 351,370,000 | 360,188,000 | 395,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 924,580,000 | 863,484,000 | 908,717,000 | 1,025,835,000 |
| Interest-bearing deposits | 721,223,000 | 672,974,000 | 705,835,000 | 775,249,000 |
| Noninterest-bearing deposits | 203,358,000 | 190,510,000 | 202,882,000 | 250,586,000 |
| Equity capital | 89,989,000 | 88,009,000 | 91,591,000 | 93,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,752,000 | 17,671,000 | 26,979,000 | 36,649,000 |
| Interest expense | 257,000 | 493,000 | 704,000 | 902,000 |
| Net interest income | 8,495,000 | 17,178,000 | 26,275,000 | 35,747,000 |
| Noninterest income | 4,400,000 | 7,958,000 | 12,218,000 | 16,457,000 |
| Noninterest expense | 7,881,000 | 15,859,000 | 24,171,000 | 33,245,000 |
| Provision for loan losses | 221,000 | 519,000 | 816,000 | 1,173,000 |
| Pretax income | 4,808,000 | 8,807,000 | 13,555,000 | 17,865,000 |
| Income tax | 1,468,000 | 2,639,000 | 3,870,000 | 4,874,000 |
| Net income | 3,340,000 | 6,168,000 | 9,685,000 | 12,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,455,000 | 83,457,000 | 84,790,000 | 86,234,000 |
| Total capital | 86,944,000 | 89,952,000 | 91,567,000 | 92,805,000 |
| Risk-weighted assets | 626,740,000 | 633,570,000 | 658,354,000 | 697,052,000 |
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