Call reports 2016
BRAVERA BANK — 2016
What BRAVERA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,292,345,000 | 1,330,083,000 | 1,328,048,000 | 1,333,885,000 |
| Total loans | 818,653,000 | 841,420,000 | 843,286,000 | 841,083,000 |
| Allowance for loan losses | 9,911,000 | 11,365,000 | 12,468,000 | 15,784,000 |
| Securities available for sale | 419,467,000 | 419,624,000 | 419,526,000 | 417,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,155,471,000 | 1,143,206,000 | 1,098,346,000 | 1,171,261,000 |
| Interest-bearing deposits | 904,735,000 | 896,740,000 | 854,973,000 | 911,971,000 |
| Noninterest-bearing deposits | 250,736,000 | 246,466,000 | 243,373,000 | 259,290,000 |
| Equity capital | 120,293,000 | 117,712,000 | 121,234,000 | 117,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 11,352,000 | 22,930,000 | 34,636,000 | 46,358,000 |
| Interest expense | 255,000 | 517,000 | 888,000 | 1,311,000 |
| Net interest income | 11,097,000 | 22,413,000 | 33,748,000 | 45,047,000 |
| Noninterest income | 5,178,000 | 9,257,000 | 13,781,000 | 18,742,000 |
| Noninterest expense | 10,245,000 | 20,573,000 | 30,452,000 | 39,961,000 |
| Provision for loan losses | 501,000 | 2,684,000 | 4,012,000 | 7,480,000 |
| Pretax income | 5,529,000 | 8,415,000 | 13,146,000 | 16,429,000 |
| Income tax | 1,600,000 | 2,630,000 | 3,559,000 | 4,465,000 |
| Net income | 3,929,000 | 5,785,000 | 9,587,000 | 11,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,212,000 | 109,148,000 | 113,101,000 | 115,627,000 |
| Total capital | 122,174,000 | 120,561,000 | 125,634,000 | 128,228,000 |
| Risk-weighted assets | 921,021,000 | 999,958,000 | 998,834,000 | 999,343,000 |