Call reports 2019
BRAVERA BANK — 2019
What BRAVERA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,481,350,000 | 1,493,007,000 | 1,514,750,000 | 1,671,850,000 |
| Total loans | 945,925,000 | 987,027,000 | 1,017,483,000 | 1,086,362,000 |
| Allowance for loan losses | 17,772,000 | 18,607,000 | 18,718,000 | 16,948,000 |
| Securities available for sale | 433,839,000 | 436,158,000 | 424,951,000 | 450,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,338,133,000 | 1,304,853,000 | 1,353,819,000 | 1,495,387,000 |
| Interest-bearing deposits | 1,078,765,000 | 1,071,010,000 | 1,084,861,000 | 1,217,137,000 |
| Noninterest-bearing deposits | 259,368,000 | 233,842,000 | 268,957,000 | 278,250,000 |
| Equity capital | 132,328,000 | 140,780,000 | 145,783,000 | 163,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 14,090,000 | 28,777,000 | 44,370,000 | 60,722,000 |
| Interest expense | 1,811,000 | 4,079,000 | 6,663,000 | 9,457,000 |
| Net interest income | 12,279,000 | 24,698,000 | 37,707,000 | 51,265,000 |
| Noninterest income | 5,433,000 | 10,223,000 | 15,381,000 | 20,782,000 |
| Noninterest expense | 10,791,000 | 21,376,000 | 31,942,000 | 43,499,000 |
| Provision for loan losses | 1,250,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Pretax income | 5,656,000 | 11,519,000 | 19,134,000 | 26,758,000 |
| Income tax | 1,011,000 | 2,158,000 | 3,646,000 | 4,997,000 |
| Net income | 4,645,000 | 9,361,000 | 15,488,000 | 21,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,208,000 | 133,068,000 | 137,125,000 | 150,940,000 |
| Total capital | 142,587,000 | 147,749,000 | 152,193,000 | 166,914,000 |
| Risk-weighted assets | 1,140,009,000 | 1,164,278,000 | 1,194,062,000 | 1,276,961,000 |