Call reports 2014
BRAVERA BANK — 2014
What BRAVERA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,163,537,000 | 1,184,738,000 | 1,218,534,000 | 1,229,285,000 |
| Total loans | 605,391,000 | 643,310,000 | 675,210,000 | 694,859,000 |
| Allowance for loan losses | 6,771,000 | 7,184,000 | 7,588,000 | 7,713,000 |
| Securities available for sale | 419,743,000 | 461,858,000 | 470,452,000 | 456,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,054,573,000 | 1,044,085,000 | 1,061,111,000 | 1,062,704,000 |
| Interest-bearing deposits | 822,095,000 | 811,323,000 | 807,931,000 | 792,105,000 |
| Noninterest-bearing deposits | 232,477,000 | 232,761,000 | 253,179,000 | 270,598,000 |
| Equity capital | 97,281,000 | 101,453,000 | 105,672,000 | 108,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,332,000 | 19,297,000 | 29,727,000 | 40,220,000 |
| Interest expense | 181,000 | 352,000 | 550,000 | 734,000 |
| Net interest income | 9,151,000 | 18,945,000 | 29,177,000 | 39,486,000 |
| Noninterest income | 4,270,000 | 8,134,000 | 12,859,000 | 16,836,000 |
| Noninterest expense | 8,900,000 | 18,144,000 | 27,149,000 | 36,349,000 |
| Provision for loan losses | 227,000 | 627,000 | 940,000 | 1,145,000 |
| Pretax income | 4,292,000 | 8,308,000 | 14,024,000 | 18,884,000 |
| Income tax | 1,240,000 | 2,249,000 | 3,932,000 | 5,246,000 |
| Net income | 3,052,000 | 6,059,000 | 10,092,000 | 13,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,670,000 | 92,911,000 | 97,184,000 | 100,354,000 |
| Total capital | 96,473,000 | 100,123,000 | 104,802,000 | 108,097,000 |
| Risk-weighted assets | 702,128,000 | 740,579,000 | 777,951,000 | 797,700,000 |