Call reports 2015
BRAVERA BANK — 2015
What BRAVERA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,293,752,000 | 1,338,382,000 | 1,331,492,000 | 1,311,151,000 |
| Total loans | 703,211,000 | 796,453,000 | 815,496,000 | 819,923,000 |
| Allowance for loan losses | 8,472,000 | 9,529,000 | 10,769,000 | 10,941,000 |
| Securities available for sale | 448,867,000 | 471,623,000 | 450,787,000 | 426,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,166,801,000 | 1,131,715,000 | 1,110,999,000 | 1,152,183,000 |
| Interest-bearing deposits | 908,968,000 | 874,783,000 | 853,899,000 | 867,527,000 |
| Noninterest-bearing deposits | 257,833,000 | 256,933,000 | 257,100,000 | 284,656,000 |
| Equity capital | 112,115,000 | 116,753,000 | 120,620,000 | 120,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 10,256,000 | 22,141,000 | 33,928,000 | 45,445,000 |
| Interest expense | 194,000 | 462,000 | 741,000 | 1,006,000 |
| Net interest income | 10,062,000 | 21,679,000 | 33,187,000 | 44,439,000 |
| Noninterest income | 4,937,000 | 9,223,000 | 13,861,000 | 18,637,000 |
| Noninterest expense | 9,370,000 | 19,681,000 | 29,700,000 | 40,369,000 |
| Provision for loan losses | 682,000 | 1,290,000 | 2,530,000 | 2,986,000 |
| Pretax income | 4,969,000 | 9,964,000 | 14,866,000 | 19,837,000 |
| Income tax | 1,417,000 | 2,761,000 | 4,135,000 | 5,129,000 |
| Net income | 3,552,000 | 7,203,000 | 10,731,000 | 14,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,950,000 | 112,034,000 | 114,290,000 | 115,161,000 |
| Total capital | 113,450,000 | 121,604,000 | 125,096,000 | 126,143,000 |
| Risk-weighted assets | 817,631,000 | 894,664,000 | 907,456,000 | 935,515,000 |